EXHIBIT 99.25
cANOPY EXCEPTIONS REPORT
| Loan ID | Seller Loan ID | Investor Loan ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| 144871 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | ||||||||||||||||||||
| 970999 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 732861 | D | A | A | A | D | A | A | A | Closed | FCOM1227 | 2026-03-16 03:21 | 2026-04-06 16:38 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-Lender provided recorded corrective documents - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Submitted corrective affidavit, xxx Security Instrument, and PUD Rider - Buyer-04/06/2026 Open-PUD Rider is Missing Property is in a Planned Urban Development (PUD) but without a PUD rider on file. Please provide. - Due Diligence Vendor-03/17/2026 |
Resolved-Lender provided recorded corrective documents - Due Diligence Vendor-04/06/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 29.67 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 282343 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 434806 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 885662 | D | B | C | B | A | A | D | A | Closed | FCRE1194 | 2026-04-06 08:43 | 2026-04-06 10:06 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception in loan file page 329 - Allow Rural property (xxx acres) at 85% LTV. - Due Diligence Vendor-04/06/2026 Ready for Review-Lender approved exception was included in the initial shipping package and is located in your portal under pages 329 and 330. - Buyer-04/06/2026 Open-Document Uploaded. - Due Diligence Vendor-04/06/2026 Open-Per 13.4.1 Guides: Rural Properties - Primary Residence Max 75% LTV - audited LTV is 85% - Due Diligence Vendor-04/06/2026 |
Waived-Exception in loan file page 329 - Allow Rural property (xxx acres) at 85% LTV. - Due Diligence Vendor-04/06/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.48 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
Compensating Factors: - 5+ years of job/Self Employed - FICO 20+ points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxx | |||
| 885662 | D | B | C | B | A | A | D | A | Closed | FPRO1242 | 2026-04-02 04:56 | 2026-04-06 08:35 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Submitted missing appraisal for review. - Buyer-04/02/2026 Open-Appraisal is Missing Provide Appraisal Document with Value of xxx for the subject Property Located at the xxx. - Due Diligence Vendor-04/02/2026 |
Resolved-Appraisal has been provided - Due Diligence Vendor-04/06/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.48 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 885662 | D | B | C | B | A | A | D | A | Closed | FCRE1167 | 2026-04-02 04:59 | 2026-04-03 14:33 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/03/2026 Ready for Review-Letter from the insurance company reflecting xxx Replacement Cost Coverage amount was included in the initial shipping package and is located in your portal under page 223. - Buyer-04/02/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx. - Due Diligence Vendor-04/02/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/03/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.48 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||||
| 818733 | D | A | D | A | A | A | A | A | Closed | FCRE1339 | 2026-04-02 16:31 | 2026-04-07 09:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 Personal Bank Statements Missing | Resolved-Borrower 1 Personal Bank Statements Provided - Due Diligence Vendor-04/07/2026 Ready for Review-Document Uploaded. Submitted missing stmt for review - Buyer-04/06/2026 Open-At time of review the bank statement from xxx was not in the file to support the total deposits for xxx used by Lender of xxx. Please provide documentation to support the deposit used. - Due Diligence Vendor-04/02/2026 |
Resolved-Borrower 1 Personal Bank Statements Provided - Due Diligence Vendor-04/07/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 19.07 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.05 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 866831 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 540478 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 326478 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 833796 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 530158 | C | A | A | A | C | A | A | A | Closed | finding-1954 | 2026-04-03 10:52 | 2026-04-07 16:00 | Resolved | 1 - Information | C | A | Compliance | State Reg | xxx Brokerage/Finder Fee Test | Resolved-*** per lender comment, compliance testing ran with DIDMCA preemption. Thank you - Due Diligence Vendor-04/07/2026 Resolved- - Due Diligence Vendor-04/07/2026 Ready for Review-The xxx Department of Institutions informally advises that the 2% broker fee restriction is preempted by DIDMCA hence this is permissible. - Buyer-04/07/2026 Open- - Due Diligence Vendor-04/06/2026 Open-This loan failed the brokerage/finder fee test. (xxx. Comp. R. & Regs. 0180-17-07(2))The mortgage loan charges a brokerage/finder fee that exceeds 2% of the total loan amount. Under the xxx Rules and Regulations, brokerage fee is synonymous with finder fee.Any brokerage/finder fee of more than 2% of the principal amount of the loan will be presumed to be unfair and unreasonable and shall be grounds to revoke the license or registration of such licensee or registrant, unless such licensee or registrant can provide evidence showing that such fee constitutes fair and reasonable compensation. - Due Diligence Vendor-04/03/2026 Open- - Due Diligence Vendor-04/03/2026 |
Resolved-*** per lender comment, compliance testing ran with DIDMCA preemption. Thank you - Due Diligence Vendor-04/07/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 18.74 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||||
| 475088 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 517463 | C | B | A | A | C | B | A | A | Closed | FCOM1291 | 2026-04-07 15:17 | 2026-04-09 09:04 | Cured | 2 - Non-Material | C | B | Compliance | Right to Rescind | Creditor did not provide the appropriate Right to Cancel Form Model (same creditor with H-8 form type). | Cured-Corrected Right to Cancel Form provided to borrower - Post Consummation - Due Diligence Vendor-04/09/2026 Ready for Review-Document Uploaded. PCCD and NORTC documentation uploaded for review. - Buyer-04/09/2026 Open-Loan Purpose is Refinance and Creditor did not provide the appropriate Right to Cancel Form Model (Same Creditor with H-8 form type). - Due Diligence Vendor-04/07/2026 Open-Loan Purpose is Refinance and Creditor did not provide the appropriate Right to Cancel Form Model (Same Creditor with H-8 form type). ******Documentation provided includes an H8 Right to Cancel form. Lender has been identified as either the current lender or the recorded original lender. The correct form should be an H9 - Due Diligence Vendor-04/07/2026 |
Cured-Corrected Right to Cancel Form provided to borrower - Post Consummation - Due Diligence Vendor-04/09/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 13.78 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 14.16% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.83 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 64.86% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.83 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | ||||
| 533667 | B | B | B | B | A | A | A | A | Closed | FCRE2502 | 2026-04-07 12:00 | 2026-04-07 12:00 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Transaction is not arm's length | Waived-Transaction is not arm's length Non arm's-length transaction; borrower purchasing from brother with no gift of equity/delinquency. Reviewed by xxx pre-submission with max 75% LTV and xxx LLPA (email 2/5/2026 in Untitled folder). - Due Diligence Vendor-04/07/2026 |
Waived-Transaction is not arm's length Non arm's-length transaction; borrower purchasing from brother with no gift of equity/delinquency. Reviewed by xxx pre-submission with max 75% LTV and xxx LLPA (email 2/5/2026 in Untitled folder). - Due Diligence Vendor-04/07/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 43.91% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 81.52 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
Cured-Corrected Right to Cancel Form provided to borrower - Post Consummation - Due Diligence Vendor-04/09/2026 |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx | ||||
| 465516 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 520947 | D | A | D | A | A | A | A | A | Closed | FCRE1326 | 2026-04-07 23:00 | 2026-04-09 09:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 YTD Profit & Loss Missing | Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-04/09/2026 Ready for Review-Document Uploaded. P&L Documentation uploaded for review. - Buyer-04/08/2026 Open-Borrower 1 YTD Profit & Loss Missing Borrower's Income Prove Document 14 Months Business P&L is Missing, Provide Business P&L Statement. - Due Diligence Vendor-04/08/2026 |
Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-04/09/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 32.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 228433 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 472500 | D | A | D | A | A | A | A | A | Closed | FCRE1326 | 2026-04-08 06:00 | 2026-04-09 09:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 YTD Profit & Loss Missing | Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-04/09/2026 Ready for Review-Document Uploaded. P&L uploaded for review. - Buyer-04/09/2026 Open-Borrower 1 YTD Profit & Loss Missing. Not in file at time of review. - Due Diligence Vendor-04/08/2026 |
Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-04/09/2026 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||||
| 575961 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 828372 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 501113 | D | A | D | A | A | A | A | A | Closed | FCRE1467 | 2026-04-09 06:22 | 2026-04-10 08:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-04/10/2026 Ready for Review-Document Uploaded. This is a correspondent loan that is credit underwritten by xxx. The loan not qualified with gift funds rather the following accounts were utilized per the 1003 uploaded: xxx ,xxx, xxx, xxx, xxx, xxx and xxx, xxx. The EMD via xxx Cashiers xxx dated xxx withdrawn on same day from xxx acct per statement ending xxx. Total verified assets are xxx less xxx funds to close = xxx remaining assets/xxx PITIA = xxx months reserves. - Buyer-04/09/2026 Open-Asset 1 Missing Missing GIft letter in the amount of xxx - Due Diligence Vendor-04/09/2026 |
Resolved-Asset 1 Provided - Due Diligence Vendor-04/10/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.06% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.08 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 204043 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 950372 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 399949 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 143885 | D | A | D | A | A | A | A | A | Closed | FCRE1468 | 2026-04-09 22:21 | 2026-04-13 09:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-04/13/2026 Ready for Review-xxx statements uploaded to trailing docs for review. - Buyer-04/10/2026 Open-Asset 2 Missing Bank statement from xxx ending xxx no present at time of review. Please provide documentation to support assets used of xxx - Due Diligence Vendor-04/10/2026 |
Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-04/13/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 16.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||||
| 143885 | D | A | D | A | A | A | A | A | Closed | FCRE1342 | 2026-04-09 23:01 | 2026-04-13 09:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. xxx statements uploaded for review. - Buyer-04/10/2026 Open-Borrower 1 Business Bank Statements Missing - Bank statements used by Lender to calculate income are not present at time of review. Please provide bank statements used to calculate income. xxx - Due Diligence Vendor-04/10/2026 |
Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-04/13/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 16.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 199558 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 808745 | B | B | B | B | A | A | A | A | Closed | FCRE5474 | 2026-04-13 12:47 | 2026-04-14 10:38 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-x - Due Diligence Vendor-04/14/2026 Waived-Condo project does not meet guidelines. Non Warrantable condo with common elements not completed 41% of units are delinquent with HOA fees. - Due Diligence Vendor-04/13/2026 |
Waived-x - Due Diligence Vendor-04/14/2026 Waived-Condo project does not meet guidelines. Non Warrantable condo with common elements not completed 41% of units are delinquent with HOA fees. - Due Diligence Vendor-04/13/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 65.68 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.98% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 |
FTHB with excellent assets and high CO. Minimal debt user. - FICO 20+ points - DTI 5% below max - Reserves > 6 months minimum |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxx | ||||
| 970649 | D | B | D | B | A | A | A | A | Closed | FCRE1161 | 2026-04-13 02:19 | 2026-04-14 10:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-04/14/2026 Ready for Review-Document Uploaded. - Buyer-04/13/2026 Open-Missing Flood Certificate - Due Diligence Vendor-04/13/2026 |
Resolved-Flood Certificate is fully present - Due Diligence Vendor-04/14/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.2 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 970649 | D | B | D | B | A | A | A | A | Closed | FCRE1194 | 2026-04-13 14:34 | 2026-04-13 14:44 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 75% exceeds Guideline LTV of 65% exception approved in email. pg 254, 525 - Due Diligence Vendor-04/13/2026 | Waived-Audited LTV of 75% exceeds Guideline LTV of 65% exception approved in email. pg 254, 525 - Due Diligence Vendor-04/13/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.2 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
no comp factors listed | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx | ||||
| 396680 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 699388 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-04-14 09:07 | 2026-04-15 09:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Updated 1003 & 1008 provided. - Due Diligence Vendor-04/15/2026 Ready for Review-Document Uploaded. Submitted updated 1003, 1008 with removal of duplicate HOI entry of xxx it is escrowed with the mortgage. - Buyer-04/14/2026 Open-missing other dues for xxx in the amount of xxx listed on your 1003 - Due Diligence Vendor-04/14/2026 |
Resolved-Updated 1003 & 1008 provided. - Due Diligence Vendor-04/15/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.57% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.28 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 390414 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 286239 | B | B | B | B | A | A | A | A | Closed | FCRE1197 | 2026-04-14 11:20 | 2026-04-14 14:40 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of xxx is less than Guideline FICO of 700 80% LTV Cash out with Credit Score xxx, Guidelines require 700. - Due Diligence Vendor-04/14/2026 | Waived-Audited FICO of xxx is less than Guideline FICO of 700 80% LTV Cash out with Credit Score xxx, Guidelines require 700. - Due Diligence Vendor-04/14/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 41.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Comp factors: - DTI 5% below max - 0x30x24+ - Multiple paid as agreed mortgages 0x30 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx | ||||
| 930422 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-04-14 11:43 | 2026-04-16 09:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOI policy provided - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. Submitted HOI for xxx for review. - Buyer-04/15/2026 Open-Missing HOI for xxx - Due Diligence Vendor-04/14/2026 |
Resolved-HOI policy provided - Due Diligence Vendor-04/16/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.50 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.50 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.49 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.50 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 110.51 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxx | ||||
| 318618 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 993815 | B | B | B | B | A | A | A | A | Closed | FCRE8712 | 2026-04-14 15:39 | 2026-04-14 15:39 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Missing Verification of Rent | Waived-Missing copy of check for June/July rents - Due Diligence Vendor-04/14/2026 | Comp factors: - FICO 20+ points - DTI 5% below max - Reserves > 6 months minimum - xxx |
Waived-Missing copy of check for June/July rents - Due Diligence Vendor-04/14/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 16.88% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 26.57 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
we have evidence amount cleared for these months for housing history however, copy of check wasn't provided | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxx | |||
| 491158 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 966963 | D | A | D | A | A | A | A | A | Closed | FCRE1258 | 2026-04-15 11:19 | 2026-04-20 09:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Approval Info | Collateral Underwriter Missing | Resolved-desk review provided - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. Desk review uploaded for review. - Buyer-04/17/2026 Open-Please verify Collateral Underwriter Score Provided is actually Missing. Per Guidelines: All appraisals require a third-party desk review CU/LCA score of 2.5 or lower - no 3rd party review required. When both a CU and a LCA SSR are provided, the lower score of the two is used to determine if a review is required. - Due Diligence Vendor-04/15/2026 |
Resolved-desk review provided - Due Diligence Vendor-04/20/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.32 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 13.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 6 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 231351 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 938933 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 716187 | D | A | D | A | A | A | A | A | Closed | FCRE1469 | 2026-04-16 12:51 | 2026-04-17 11:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. Updated 1003 and 1008 uploaded for review. - Buyer-04/17/2026 Counter-Document Uploaded. The Final 1003 & 1008 reflects the xxx account and used to qualify, if no longer including those assets, an updated 1003 removing that account & 1008 are needed. - Due Diligence Vendor-04/17/2026 Ready for Review-This is a Non-Del loan, the loan was credit underwritten by xxx. While the xxx account may be absent from the loan file this is a moot issue. The loan qualifies based on the xxx statement balance of xxx and xxx, xxx, xxx ,transaction history balance. EMD was sourced via the xxx transaction history wired on xxx. Total verified assets xxx less xxx funds to close = xxx remaining assets/xxx PITIA = 62.70 months reserves. - Buyer-04/16/2026 Open-xxx xxx xxx is missing from the loan file. - Due Diligence Vendor-04/16/2026 |
Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-04/17/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.7 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.26 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.26 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.06% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxx | ||||
| 455441 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 282794 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 834804 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 934471 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 672032 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 568087 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 853852 | B | B | A | A | A | A | B | B | Closed | FVAL9739 | 2026-04-17 09:28 | 2026-04-17 09:28 | Waived | 2 - Non-Material | B | B | Property | Appraisal | Property/Appraisal General | Waived-Unit 3 is xxx. (under 500) - Due Diligence Vendor-04/17/2026 |
Waived-Unit 3 is xxx sqft. (under 500) - Due Diligence Vendor-04/17/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 10.39 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 19.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
- FICO 20+ points+ - DTI 5% below max - 0x30x24+ |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx | ||||
| 788340 | D | A | A | A | D | A | A | A | Closed | FCOM1208 | 2026-04-17 00:50 | 2026-04-22 14:25 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. IO Note uploaded for review. - Buyer-04/22/2026 Open-The Note is Incomplete The final CD and amortization reflect xxx, but the provided fixed note reflects xxx. From xxx to xxx, the borrower is paying xxx. From xxx to xxx, the borrower will be paying xxx. Therefore, the underwriter has considered this as a Fixed Rate note. Kindly provide an updated and accurate note document. - Due Diligence Vendor-04/17/2026 |
Resolved-The Note is Present - Due Diligence Vendor-04/22/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 52.78% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.73 Years Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 7.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 10.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 43.73 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 705583 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 979597 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 909667 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 955204 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 355185 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 352499 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 698585 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 269671 | B | B | B | B | A | A | A | A | Closed | FPRO1508 | 2026-04-21 14:27 | 2026-04-21 14:27 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Property Characteristics Do Not Meet Guideline Requirements | Waived-Please review for the possiblity of an exception one unit is only xxx GLA which is below our required Minimum Square Footage -500 sq ft. per unit. - Due Diligence Vendor-04/21/2026 |
Waived-Please review for the possiblity of an exception one unit is only xxx GLA which is below our required Minimum Square Footage - 500 sq ft. per unit. - Due Diligence Vendor-04/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.00 Years Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 5.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 57.41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 16.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
- 5+ years of job/Self-Employed - FICO 20+ points |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx | ||||
| 743379 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 342857 | D | A | D | A | A | A | A | A | Closed | FCRE5770 | 2026-04-21 00:57 | 2026-04-22 09:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. Credit report uploaded - Buyer-04/21/2026 Open-Borrower 1 Credit Report is Missing. At time of review there was no initial credit report in the file. Please provide the required documentation - Credit Report. - Due Diligence Vendor-04/21/2026 |
Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-04/22/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 34.88% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.28 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.5% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | ||||
| 342857 | D | A | D | A | A | A | A | A | Closed | FCRE5116 | 2026-04-21 00:57 | 2026-04-22 09:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-04/22/2026 Ready for Review-Credit report uploaded with Mortgage history - Buyer-04/21/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Verification of Mortgage (VOM) Document is Missing. At time of review the required documentation to verify mortgage payment history was missing from the file. Please provide documentation to support mortgage payment history. - Due Diligence Vendor-04/21/2026 |
Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-04/22/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 34.88% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.28 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.5% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||||
| 483952 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 911314 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 312272 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-04-22 10:22 | 2026-04-23 09:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved- - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. Updated 1003, approval and 1008 uploaded for review. The xxx HOA fee is taken from the xxx report and the xxx taxes and insurance were taken from the escrows noted on the xxx mortgage statement. - Buyer-04/22/2026 Open-Missing HOA ( xxx) on primary res and other dues/ ins and/or taxes listed on 1003 in the amount of xxx listed on 1003 - Due Diligence Vendor-04/22/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.95% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.17 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxx | |||||
| 999353 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 441854 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 412524 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 503518 | C | A | A | A | C | A | A | A | Closed | FCOM2276 | 2026-04-23 14:22 | 2026-05-01 09:51 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-PCCD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. Submitted PCCD with LOE and Proof of Delivery - Buyer-04/30/2026 Open-******* Borrower executed documents on xxx. After Final Closing Disclosure Disbursement date of xxx. Please provide Post Consummation Closing Disclosure with actual disbursement date. - Due Diligence Vendor-04/23/2026 |
Resolved-PCCD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-05/01/2026 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||||
| 503518 | C | A | A | A | C | A | A | A | Closed | finding-3617 | 2026-04-23 20:18 | 2026-05-01 09:51 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-PCCD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-05/01/2026 Resolved- - Due Diligence Vendor-05/01/2026 Ready for Review-Submitted PCCD with LOE and Proof of Delivery - Buyer-04/30/2026 Open- - Due Diligence Vendor-04/24/2026 Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. - Due Diligence Vendor-04/24/2026 Open- - Due Diligence Vendor-04/24/2026 |
Resolved-PCCD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-05/01/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||||
| 258663 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 624428 | C | B | C | B | C | A | A | A | Closed | FPRO1508 | 2026-04-30 18:07 | 2026-04-30 18:09 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Property Characteristics Do Not Meet Guideline Requirements | Waived-Client exception granted with compensating factors to accept ADUs under 400 sq ft. - Due Diligence Vendor-04/30/2026 Open-Subject property includes 2 ADUs that are each under the guideline minimum of 400 sq ft. - Due Diligence Vendor-04/30/2026 |
Waived-Client exception granted with compensating factors to accept ADUs under xxx . - Due Diligence Vendor-04/30/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.79 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 30.62 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.00 Years Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 30.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
FICO 20+ over minimum, reserves 6+ months over minimum, 0x30x24 payment history | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxx | ||||
| 624428 | C | B | C | B | C | A | A | A | Closed | FCOM2276 | 2026-04-24 14:10 | 2026-04-30 10:55 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-PCCD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. Submitted PCCD with LOE and Proof of Delivery - Buyer-04/30/2026 Open-*******Borrower executed documents on xxx, after Final Closing Disclosure Disbursement date of xxx. Please provide Post Consummation Closing Disclosure with actual disbursement date. - Due Diligence Vendor-04/24/2026 |
Resolved-PCCD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/30/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.79 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 30.62 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.00 Years Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 30.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 690010 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 139726 | C | A | A | A | C | A | A | A | Closed | finding-3652 | 2026-04-23 15:19 | 2026-04-27 09:15 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC event details for Lock extension, provided - Due Diligence Vendor-04/27/2026 Resolved- - Due Diligence Vendor-04/27/2026 Ready for Review-The file originated with Lender Credits per the initial LE, which can be subject to change depending on updates to loan terms. In this case, there were two lock extensions where pricing was xxx after the first adjustment on xxx, decreased to xxx after the second adjustment (see lock confirmations). - Buyer-04/24/2026 Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits (xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ****On xxx a cure in the amount of xxx was issued to the borrower. On xxx that disclosed cure was either removed or reduced.~~~~~ A cure once disclosed is a binding credit for the purposes of determining good faith. A later reduction to tolerance based fees is not a valid change of circumstance for a reduction or removal of a disclosed cure credit. Cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/24/2026 Open- - Due Diligence Vendor-04/24/2026 Open- - Due Diligence Vendor-04/23/2026 Open- - Due Diligence Vendor-04/23/2026 |
Resolved-COC event details for Lock extension, provided - Due Diligence Vendor-04/27/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 20.82 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 40.1% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||||
| 127019 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 178084 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 593210 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 365394 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 415898 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 980784 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 651009 | C | A | A | A | C | A | A | A | Closed | finding-3617 | 2026-04-27 13:04 | 2026-04-30 13:19 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-PCCD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/30/2026 Resolved- - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. PCCD documentation uploaded for review. - Buyer-04/29/2026 Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. *****Borrower executed documents on xxx, after Final Closing Disclosure Disbursement date of xxx. Please provide Post Consummation Closing Disclosure with actual disbursement date. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/27/2026 |
Resolved-PCCD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/30/2026 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||||
| 998844 | C | B | A | A | C | B | A | A | Closed | finding-3634 | 2026-04-27 14:20 | 2026-05-01 10:02 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. PCCD and cure documentation uploaded for review. - Seller-05/01/2026 Counter-***The loan closed on xxx, fees subject to zero tolerance cannot increase post-closing. COC dated xxx is not valid. - Due Diligence Vendor-04/28/2026 Ready for Review-The loan did not disburse until xxx per the COC CD dated/signed xxx provided in the initial shipping package pages 834 - 839, the lock expired hence the increase in the loan discount points, with COC provided page 852 of the initial shipping package. - Seller-04/27/2026 Open-Post Consummation harm to borrower: Consummation is the date borrower(s) and lender entered a contract by executing the Deed of Trust, note and Closing Disclosing. Charges cannot be increased or added for any reason, Post consummation. 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/27/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/27/2026 |
Ready for Review-Document Uploaded. PCCD and cure documentation uploaded for review. - Seller-05/01/2026 Ready for Review-The loan did not disburse until xxx per the COC CD dated/signed xxx provided in the initial shipping package pages 834 - 839, the lock expired hence the increase in the loan discount points, with COC provided page 852 of the initial shipping package. - Seller-04/27/2026 |
Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-05/01/2026 |
Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 5.5 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 998844 | C | B | A | A | C | B | A | A | Closed | finding-3631 | 2026-04-27 14:20 | 2026-05-01 10:02 | Cured | 2 - Non-Material | C | B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-05/01/2026 Ready for Review-PCCD and cure documentation uploaded to trailing docs for review. - Seller-05/01/2026 Counter-***The loan closed on xxx, fees subject to zero tolerance cannot increase post-closing. COC dated xxx is not valid. - Due Diligence Vendor-04/28/2026 Ready for Review-The loan did not disburse until xxx per the COC CD dated/signed xxx provided in the initial shipping package pages 834 - 839, the lock expired hence the increase in the loan discount points, with COC provided page 852 of the initial shipping package. - Seller-04/27/2026 Open-Post Consummation harm to borrower: Consummation is the date borrower(s) and lender entered a contract by executing the Deed of Trust, note and Closing Disclosing. Charges cannot be increased or added for any reason, Post consummation. 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/27/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/27/2026 |
Ready for Review-PCCD and cure documentation uploaded to trailing docs for review. - Seller-05/01/2026 Ready for Review-The loan did not disburse until xxx per the COC CD dated/signed xxx provided in the initial shipping package pages 834 - 839, the lock expired hence the increase in the loan discount points, with COC provided page 852 of the initial shipping package. - Seller-04/27/2026 |
Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-05/01/2026 |
Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 5.5 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 998844 | C | B | A | A | C | B | A | A | Closed | finding-3632 | 2026-04-27 14:20 | 2026-05-01 10:02 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-05/01/2026 Ready for Review-PCCD and cure documentation uploaded to trailing docs for review. - Buyer-05/01/2026 Counter-***The loan closed on xxx, fees subject to zero tolerance cannot increase post-closing. COC dated xxx is not valid. - Due Diligence Vendor-04/28/2026 Ready for Review-The loan did not disburse until xxx per the COC CD dated/signed xxx provided in the initial shipping package pages 834 - 839, the lock expired hence the increase in the loan discount points, with COC provided page 852 of the initial shipping package. - Buyer-04/27/2026 Open-Post Consummation harm to borrower: Consummation is the date borrower(s) and lender entered a contract by executing the Deed of Trust, note and Closing Disclosing. Charges cannot be increased or added for any reason, Post consummation. 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/27/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/27/2026 |
Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-05/01/2026 |
Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 5.5 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||||
| 838389 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 622566 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 147009 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 247972 | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2026-04-27 04:03 | 2026-04-28 08:33 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. 1008 Uploaded for review. - Buyer-04/27/2026 Open-1008/Underwriting Summary Not Provided Final 1008 is Missing, Provide Updated Final 1008. - Due Diligence Vendor-04/27/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/28/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.41 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 253.37 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 5.08 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 17.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 75.99% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxx | ||||
| 244247 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 512265 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | ||||||||||||||||||||
| 166469 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 389038 | D | A | D | A | A | A | A | A | Closed | FCRE1241 | 2026-04-29 01:56 | 2026-04-29 17:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-04/29/2026 Ready for Review-The property is a FSBO, the executed For Sale By Owner Supplement Escrow Instructions and General Provisions was provided in the initial shipping package pages 313 - 320. - Buyer-04/29/2026 Open-Purchase Contract Is Missing A copy of the final executed sales contract was missing at the time of review. Please provide. - Due Diligence Vendor-04/29/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-04/29/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 44.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.21 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.13 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||||
| 911185 | D | A | A | A | D | A | A | A | Closed | FCOM1220 | 2026-04-29 02:54 | 2026-04-30 11:52 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. Submitted DOT for review. - Buyer-04/29/2026 Open-The Deed of Trust is Missing. Not in file at time of review. Please provide a copy of the executed Mortgage Deed - Due Diligence Vendor-04/29/2026 |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-04/30/2026 |
Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 15.51 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.99 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 968411 | D | A | A | A | D | A | A | A | Closed | FCOM8844 | 2026-04-29 01:04 | 2026-05-01 10:23 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. - Buyer-05/01/2026 Counter-Apologies for the confusion, Missing Occupancy Affidavit from the Loan file - Due Diligence Vendor-05/01/2026 Ready for Review-There are no proceeds. Transaction is a full doc no cash-out refinance of an investment property with borrower needing xxx in funds to close to pay an existing first mortgage per page 146. Additionally, loan closed vested as individual, not as an entity. Business purpose applies to DSCR transactions. - Buyer-04/30/2026 Open-Business Purpose Disclosure stating how funds will be used or letter from borrower regarding the use of funds is missing. Occupancy Certificate Missing - Due Diligence Vendor-04/29/2026 |
Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-05/01/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.15 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 23.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 16.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 38.45 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | ||||
| 155040 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 832644 | B | B | B | B | A | A | A | A | Closed | FCRE8201 | 2026-04-29 15:05 | 2026-04-29 15:07 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Martial settlement will not be finalized before closing - Due Diligence Vendor-04/29/2026 | Waived-Martial settlement will not be finalized before closing - Due Diligence Vendor-04/29/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 55.52% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.83 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.93 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 |
Borrower is doing a refinance to remove spouse from property and buy out per marital settlement. Exception proceed with current settlement in place which has not been finalized based on the following comp factors: - Self-employed 5+ years - Credits score 63 points above minimum - LTV 10% below max - Residual income > xxx - No child support or alimony owed - Ancillary income not used for qualifying - FICO 20+ points - 5+ years in subject property ownership - 5+ years business ownership - 0x30x24+ |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxx | ||||
| 203036 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 153770 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 805066 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 746251 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-05-01 09:13 | 2026-05-01 14:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-REO documents provided for xxx- Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. HOI and Tax Cert for xxx uploaded for review. - Buyer-05/01/2026 Counter-Newly closed Loan - Final CD provided however the loan is not escrowed, Missing Tax Cert, HOI Policy and HOA (if applicable) to verify Full PITIA for xxx - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. Final CD and Appraisal for xxx uploaded for review. - Buyer-05/01/2026 Open-Missing verification of PITIA for non-subject property xxx - Due Diligence Vendor-05/01/2026 |
Resolved-REO documents provided for xxx - Due Diligence Vendor-05/01/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 10.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 44.26% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 141.07 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.32 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.32 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 535094 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 124801 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 762116 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 681690 | B | B | B | B | A | A | A | A | Closed | FCRE1437 | 2026-05-04 09:36 | 2026-05-04 09:36 | Waived | 2 - Non-Material | B | B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines - Using 100% rent to qualify other REO and concurrent investment purchase. - xxx does not allow layered entity vesting. - Due Diligence Vendor-05/04/2026 |
Waived-Income and Employment Do Not Meet Guidelines - Using 100% rent to qualify other REO and concurrent investment purchase. - xxx does not allow layered entity vesting. - Due Diligence Vendor-05/04/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 44.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 41.87 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
- FICO 20+ points - 0x30x24+ |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx | ||||
| 433979 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 785441 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 331416 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 630739 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 380279 | D | B | D | B | A | A | A | A | Closed | FCRE1826 | 2026-04-23 14:53 | 2026-05-06 15:01 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | US Driver’s License or other US or foreign government-issued photo ID Missing | Waived-Lender exception for Work Visa EAD Code xxx - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. Submitted EAD and Post-Closing Lender Exception - Buyer-05/06/2026 Open-BR1 is a Non-Permanent Resident Alien and required documentation was missing at time of review. Please provide the required documentation per guidelines - Due Diligence Vendor-04/23/2026 |
EA08 work visa provided. - 05/06/2026 |
Waived-Lender exception for Work Visa EAD Code xxx - Due Diligence Vendor-05/06/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 9.68 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx credit score 20 months reserves xxx residual income |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxx | ||
| 639248 | C | B | A | A | C | B | A | A | Closed | finding-3634 | 2026-04-27 13:56 | 2026-05-08 09:20 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-05/08/2026 Resolved- - Due Diligence Vendor-05/08/2026 Ready for Review-PCCD cure documentation uploaded to trailing docs for review. - Buyer-05/07/2026 Open-The following charges have been increased: Credit report resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/28/2026 Open- - Due Diligence Vendor-04/28/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Loan Failed Charges that cannot increase failure with the variance of xxx due to the increase in the Credit Report from the initial LE dated xxx & Revised Laon Estimate dated xxx,xxx to the Initial Closing Disclosure dated xxx and Final CD dated xxx, xxx, however no COC addressing the failure, kindly provide cure of xxx or COC addressing the change. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/27/2026 |
Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-05/08/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.02 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 13.88 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 33.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||||
| 639248 | C | B | A | A | C | B | A | A | Closed | finding-3631 | 2026-04-27 13:56 | 2026-05-08 09:20 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-05/08/2026 Resolved- - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. PCCD cure documentation uploaded for review. - Buyer-05/07/2026 Open-The following charges have been increased: Credit report resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/28/2026 Open- - Due Diligence Vendor-04/28/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/27/2026 |
Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-05/08/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.02 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 13.88 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 33.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 639248 | C | B | A | A | C | B | A | A | Closed | finding-3632 | 2026-04-27 13:56 | 2026-05-08 09:20 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-05/08/2026 Resolved- - Due Diligence Vendor-05/08/2026 Ready for Review-PCCD cure documentation uploaded to trailing docs for review. - Seller-05/07/2026 Open-The following charges have been increased: Credit report resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/28/2026 Open- - Due Diligence Vendor-04/28/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/27/2026 |
Ready for Review-PCCD cure documentation uploaded to trailing docs for review. - Seller-05/07/2026 |
Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-05/08/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.02 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 13.88 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 33.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 883067 | C | A | C | A | A | A | A | A | Closed | FCRE1182 | 2026-05-04 08:39 | 2026-05-06 15:37 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008 comments states not eligible for GSE due to bank statement income calculation. - Due Diligence Vendor-05/06/2026 Ready for Review-Loan was not qualified using a manual underwrite. This is a xxx product with income calculations and DTI matching DU under page 912. - Buyer-05/06/2026 Counter-Please provide 1008 showing manual underwriting with bank statement income. - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. 1008 uploaded for review. - Buyer-05/05/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-05/04/2026 |
Resolved-1008 comments states not eligible for GSE due to bank statement income calculation. - Due Diligence Vendor-05/06/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 61.89% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.28 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.42 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.25 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | ||||
| 883067 | C | A | C | A | A | A | A | A | Closed | FCRE1193 | 2026-05-04 08:40 | 2026-05-06 11:22 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Corrected income for 85% lender guidelines vs 75% and netted rental income/loss against income instead of in DTI ratio. - Due Diligence Vendor-05/06/2026 Ready for Review-1008 uploaded to trailing docs for review. - Buyer-05/05/2026 Open-Audited DTI of 68.71% exceeds Guideline DTI of 50% no 1008 in file to verify loan and DTI exceeds guidelines. looks like there is another loan in process but without any notes or comments unclear of what or if anything is being paid off or consolidated to get DTI in line. - Due Diligence Vendor-05/04/2026 |
Resolved-Corrected income for 85% lender guidelines vs 75% and netted rental income/loss against income instead of in DTI ratio. - Due Diligence Vendor-05/06/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 61.89% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.28 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.42 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.25 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||||
| 898003 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 412829 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 459394 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 360004 | B | B | B | B | A | A | A | A | Closed | FCRE8201 | 2026-05-05 15:54 | 2026-05-05 15:54 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Using 100% rent to qualify other REO and concurrent investment purchase per - Due Diligence Vendor-05/05/2026 | Waived-Using 100% rent to qualify other REO and concurrent investment purchase per - Due Diligence Vendor-05/05/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 43.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 42.82 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
Comp Factors: - Income |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx | ||||
| 360004 | B | B | B | B | A | A | A | A | Closed | FCRE7856 | 2026-05-05 15:53 | 2026-05-05 15:53 | Waived | 2 - Non-Material | B | B | Credit | Borrower | Ineligible Vesting | Waived-Ineligible Vesting. xxx does not allow layered entity vesting - Vesting to layered entity on this loan and 2nd purchase loan xxx Both are investment purchases for 4-unit properties. Vesting to xxx with xxx as the owning member. Borrower is 100% owner of xxx and xxx is 100% owner of xxx . - Due Diligence Vendor-05/05/2026 |
Waived-Ineligible Vesting. xxx does not allow layered entity vesting - Vesting to layered entity on this loan and 2nd purchase loan xxx. Bothare investment purchases for 4-unit properties. Vesting to xxx as the owning member. Borrower is 100% owner of xxx is 100% owner of xxx. xxx. - Due Diligence Vendor-05/05/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 43.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 42.82 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
Comp Factors: - FICO 20+ points - 0x30x24+ |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx | ||||
| 229675 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 746217 | C | B | A | A | C | B | A | A | Closed | finding-3631 | 2026-05-05 15:13 | 2026-05-08 09:29 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-05/08/2026 Resolved- - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. PCCD cure documentation uploaded for review. - Seller-05/07/2026 Open-*** Recording charges of xxx were disclosed to the borrower in the Initial Loan Estimate, establishing a 10% baseline of xxx. Final charge to borrower is xxx. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/06/2026 Open- - Due Diligence Vendor-05/06/2026 Open- - Due Diligence Vendor-05/05/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/05/2026 Open- - Due Diligence Vendor-05/05/2026 |
Ready for Review-Document Uploaded. PCCD cure documentation uploaded for review. - Seller-05/07/2026 |
Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-05/08/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 22.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.50 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 22.67 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 746217 | C | B | A | A | C | B | A | A | Closed | finding-3632 | 2026-05-05 15:13 | 2026-05-08 09:29 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-05/08/2026 Resolved- - Due Diligence Vendor-05/08/2026 Ready for Review-PCCD cure documentation uploaded to trailing docs for review. - Buyer-05/07/2026 Open-*** Recording charges of xxx were disclosed to the borrower in the Initial Loan Estimate, establishing a 10% baseline of xxx. Final charge to borrower is xxx. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/06/2026 Open- - Due Diligence Vendor-05/06/2026 Open- - Due Diligence Vendor-05/05/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/05/2026 Open- - Due Diligence Vendor-05/05/2026 |
Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-05/08/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 22.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.50 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 22.67 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||||
| 746217 | C | B | A | A | C | B | A | A | Closed | finding-3635 | 2026-05-05 15:13 | 2026-05-08 09:29 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-05/08/2026 Resolved- - Due Diligence Vendor-05/08/2026 Ready for Review-PCCD cure documentation uploaded to trailing docs for review. - Seller-05/07/2026 Open-*** Recording charges of xxx were disclosed to the borrower in the Initial Loan Estimate, establishing a 10% baseline of xxx. Final charge to borrower is xxx. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/06/2026 Open- - Due Diligence Vendor-05/06/2026 Open- - Due Diligence Vendor-05/05/2026 Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (xxx) exceed the comparable charges (xxx) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-05/05/2026 Open- - Due Diligence Vendor-05/05/2026 |
Ready for Review-PCCD cure documentation uploaded to trailing docs for review. - Seller-05/07/2026 |
Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-05/08/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 22.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.50 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 22.67 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 853914 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 701854 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 903643 | B | B | B | B | A | A | A | A | Closed | FCRE3874 | 2026-05-06 06:51 | 2026-05-06 15:13 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Appraiser marked rural and zoned xxx - Due Diligence Vendor-05/06/2026 Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Exception in file page 504 - Due Diligence Vendor-05/06/2026 |
Waived-Appraiser marked rural and zoned xxx - Due Diligence Vendor-05/06/2026 Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Exception in file page 504 - Due Diligence Vendor-05/06/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 20.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 25.25 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 31.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years |
Compensating Factors: - FICO - 20+ points - DTI - 5% below max - >1 year as real estate investor - 0x30x24+ |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx | ||||
| 507019 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 629301 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 498026 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 430949 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 656484 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 181090 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 805742 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 273104 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 783480 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 300038 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | ||||||||||||||||||||
| 920543 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 385129 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 525218 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 244044 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 593782 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 971044 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 780940 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 458934 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 939459 | C | A | A | A | C | A | A | A | Closed | FCOM8891 | 2026-05-13 12:03 | 2026-05-14 09:58 | Resolved | 1 - Information | C | A | Compliance | Closing Package | Other Compliance | Resolved-***Received FCD with all pages - Due Diligence Vendor-05/14/2026 Ready for Review-Submitted complete Final CD with all pages - Buyer-05/13/2026 Open-Final Closing Disclosure dated xxx, Page 5 is missing. - Due Diligence Vendor-05/13/2026 |
Resolved-***Received FCD with all pages - Due Diligence Vendor-05/14/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.75 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.08 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 10.87% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||||
| 939459 | C | A | A | A | C | A | A | A | Closed | FCOM4227 | 2026-05-13 05:53 | 2026-05-14 09:57 | Resolved | 1 - Information | A | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-***Received FCD with all pages - Due Diligence Vendor-05/14/2026 Ready for Review-Document Uploaded. Submitted complete Final CD with all pages - Buyer-05/13/2026 Open-Final Closing Disclosure dated xxx, Page 5 is missing. - Due Diligence Vendor-05/13/2026 |
Resolved-***Received FCD with all pages - Due Diligence Vendor-05/14/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.75 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.08 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 10.87% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 545590 | B | B | B | B | A | A | A | A | Closed | FCRE1440 | 2026-05-13 14:26 | 2026-05-13 14:26 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing history VOR from private owner/ bank debits for 9 payments and 3 payments cash. No lates. Borrowers are long term tenants paying month to month to private landlord. Bank debits supported for 9 of 12 months with 3 months paid cash. LOE from landlord, FNMA VOR provided with no lates. Property prole reflects Landlord as owner of record and bank debits via xxx paid to owner/landlord - Due Diligence Vendor-05/13/2026 |
Waived-Housing history VOR from private owner/ bank debits for 9 payments and 3 payments cash. No lates. Borrowers are long term tenants paying month to month to private landlord. Bank debits supported for 9 of 12 months with 3 months paid cash. LOE from landlord, FNMA VOR provided with no lates. Property prole reflects Landlord as owner of record and bank debits via xxx paid to owner/landlord - Due Diligence Vendor-05/13/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 31.35% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
Comp Factors: - Ancillary income not used for qualifying - DTI 5% below max - Limited credit usage - Self-employed 5+ years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxx | ||||
| 673165 | B | B | B | B | A | A | A | A | Closed | FCRE8201 | 2026-05-14 08:07 | 2026-05-14 08:07 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Qualifying with 100% of rent per the unpublished guidelines and using 85% of rent for departing residence. - Due Diligence Vendor-05/14/2026 | Waived-Qualifying with 100% of rent per the unpublished guidelines and using 85% of rent for departing residence. - Due Diligence Vendor-05/14/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 19.94 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 10.50 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.31 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.30 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.58 Years |
Comp Factors: - Income |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxx | ||||
| 260428 | B | B | B | B | A | A | A | A | Closed | FCRE8201 | 2026-05-14 12:12 | 2026-05-14 12:12 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Using 85% vacancy factor vs 75% for departing residence. - Due Diligence Vendor-05/14/2026 | Waived-Using 85% vacancy factor vs 75% for departing residence. - Due Diligence Vendor-05/14/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.94 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 110.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - validated Borrower At Current Residence For Five (5) Or More Years - 6.50 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 59.09% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.95 Years |
Comp Factors: - 5+ years of job/Self-Employed - FICO 20+ points - LTV 10% below max - Unpublished guidelines permit 85%. - Multiple paid as agreed mortgages 0x30 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxx | ||||
| 179994 | D | A | D | A | A | A | A | A | Closed | FCRE1157 | 2026-05-13 01:04 | 2026-05-14 11:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/14/2026 Ready for Review-Document Uploaded. 5/14/2026 – Submitted HOI to Canopy for review. - Buyer-05/14/2026 Open-Missing Hazard Insurance Policy at time of review. Please provide documentation to support required hazard insurance is in place. - Due Diligence Vendor-05/13/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/14/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 46.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 42.62% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 49.65% Is Less Than The Guideline Maximum Of 65% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 512663 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |