Exhibit 99.03
Schedule 3. Canopy Rating Agency Grades Detail 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 |
| 2137571 | 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 | ||||||||||||||||||||
| 2158224 | C | B | A | A | B | B | C | B | Closed | 2026-02-19 06:57 | 2026-02-25 09:18 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-desk review provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. - Seller-02/23/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4.2) CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided - Due Diligence Vendor-02/19/2026 |
Ready for Review-Document Uploaded. - Seller-02/23/2026 |
Resolved-desk review provided - Due Diligence Vendor-02/25/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 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 - 12.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.43 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months 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 - 12.16 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.91 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | ||||
| 2158224 | C | B | A | A | B | B | C | B | Closed | 2026-02-19 07:02 | 2026-02-19 07:02 | Waived | 2 - Non-Material | B | B | Compliance | TILA | CD: General Form Requirements Not Met | Waived-9 OCCURRENCES OF OVERDRAFTS AND NEGATIVE BALANCES EXCEED THE MAX ALLOWED OF 3 IN THE LAST 12 MONTHS - Due Diligence Vendor-02/19/2026 | Waived-9 OCCURRENCES OF OVERDRAFTS AND NEGATIVE BALANCES EXCEED THE MAX ALLOWED OF 3 IN THE LAST 12 MONTHS - Due Diligence Vendor-02/19/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 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 - 12.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.43 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months 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 - 12.16 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.91 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
DTI < 43%, FICO SCORE 42+ THAN MINIMUM REQUIRED BY LOAN PROGRAM, BORROWER IS AN EXPERIENCED INVESTOR | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxx | |||||
| 2158224 | C | B | A | A | B | B | C | B | Closed | 2026-02-19 07:01 | 2026-02-19 07:01 | Waived | 2 - Non-Material | B | B | Property | Appraisal | Property/Appraisal General | Waived-APPRAISAL REPORT DATE IS 10/16/2025. EXCEPTION REQUIRED FOR APPRAISAL DATED MORE THAN 45 DAYS OF SUBMISSION XXXX. - Due Diligence Vendor-02/19/2026 | Waived-APPRAISAL REPORT DATE IS xxx. EXCEPTION REQUIRED FOR APPRAISAL DATED MORE THAN 45 DAYS OF SUBMISSION TO xxx. - Due Diligence Vendor-02/19/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 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 - 12.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.43 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months 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 - 12.16 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.91 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
DTI < 43%, FICO SCORE 42+ THAN MINIMUM REQUIRED BY LOAN PROGRAM, BORROWER IS AN EXPERIENCED INVESTOR | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxx | |||||
| 2137570 | 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 | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 2144459 | D | A | D | A | A | A | A | A | Closed | 2026-02-27 04:58 | 2026-03-19 15:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Personal Guaranty is Partial/Incomplete | Resolved-Personal Guaranty is Present and complete. - Due Diligence Vendor-03/19/2026 Ready for Review-Document Uploaded. - Seller-03/19/2026 Counter-a Personal Guaranty would need to be wet signed. - Due Diligence Vendor-03/07/2026 Ready for Review-can the personal guaranty form be esigned? - Seller-03/04/2026 Counter-Closed in LLC but lender guidelines require a personal guaranty or lender exception. - Due Diligence Vendor-03/03/2026 Ready for Review-FYI, we closed this loan in an LLC. All docs are in the LLC name. - Seller-03/02/2026 Open-Personal Guaranty is incomplete. Missing personal guaranty. Guaranty in file currently is by the LLC only. - Due Diligence Vendor-02/27/2026 |
Ready for Review-Document Uploaded. - Seller-03/19/2026 Ready for Review-can the personal guaranty form be esigned? - Seller-03/04/2026 Ready for Review-FYI, we closed this loan in an LLC. All docs are in the LLC name. - Seller-03/02/2026 |
Resolved-Personal Guaranty is Present and complete. - Due Diligence Vendor-03/19/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 59.53 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 2144649 | 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 | ||||||||||||||||||||
| 2140008 | D | A | D | A | A | A | A | A | Closed | 2026-03-02 13:40 | 2026-03-05 12:03 | 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-03/05/2026 Ready for Review-Document Uploaded. Tax Bill attached. HOA Bill for XXXX – no insurance. - Seller-03/04/2026 Open-. Provide taxes and insurance for property located at xxx and insurance for xxx. Subject to review and possible additional conditions. - Due Diligence Vendor-03/02/2026 |
Ready for Review-Document Uploaded. Tax Bill attached. HOA Bill for xxx – no insurance. - Seller-03/04/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 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 - 13.09 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 - 13.08 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.15% 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 |
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 | |||||
| 2144460 | C | A | A | A | C | A | A | A | Closed | 2026-03-02 21:04 | 2026-03-06 18:33 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-**Received PCCD - Due Diligence Vendor-03/06/2026 Resolved- - Due Diligence Vendor-03/06/2026 Ready for Review-Document Uploaded. - Seller-03/05/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ***The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-03/04/2026 Open- - Due Diligence Vendor-03/04/2026 Open- - Due Diligence Vendor-03/03/2026 Open- - Due Diligence Vendor-03/03/2026 |
Ready for Review-Document Uploaded. - Seller-03/05/2026 |
Resolved-**Received PCCD - Due Diligence Vendor-03/06/2026 |
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 - 10.16 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 - 7.87 Years 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 0.02 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 69.38% Is Below The Guideline Maximum Of 80% 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 | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | ||||
| 2140009 | 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 | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 2144461 | 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 | ||||||||||||||||||||
| 2140010 | 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 | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 2158770 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 2144463 | 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 | ||||||||||||||||||||
| 2144464 | 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 | ||||||||||||||||||||
| 2144465 | B | B | B | B | A | A | A | A | Closed | 2026-03-20 07:12 | 2026-03-30 14:21 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Document Uploaded. - Due Diligence Vendor-03/30/2026 Waived-Audited Reserves of 3.98 are less than Guideline Required Reserves of 6 Reduced reserves to 3 months instead of 6 months - Due Diligence Vendor-03/20/2026 |
Waived-Document Uploaded. - Due Diligence Vendor-03/30/2026 Waived-Audited Reserves of 3.98 are less than Guideline Required Reserves of 6 Reduced reserves to 3 months instead of 6 months - Due Diligence Vendor-03/20/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Strong residual income, good credit | 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 | Originator Pre-Close | Yes | xxx | ||||
| 2158706 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 2156392 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 2155470 | D | A | D | A | C | A | D | A | Closed | 2026-04-02 12:05 | 2026-04-03 13:15 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. - Seller-04/02/2026 Open- - Due Diligence Vendor-04/02/2026 |
Ready for Review-Document Uploaded. - Seller-04/02/2026 |
Resolved-desk review provided - Due Diligence Vendor-04/03/2026 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx | |||||
| 2155470 | D | A | D | A | C | A | D | A | Closed | 2026-03-30 14:58 | 2026-04-03 13:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Business License provided - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. - Seller-04/02/2026 Open-Borrower 1 CPA Letter Missing Please provide the CPA letter or business license for xxx - Due Diligence Vendor-03/30/2026 |
Ready for Review-Document Uploaded. - Seller-04/02/2026 |
Resolved-Business License provided - Due Diligence Vendor-04/03/2026 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx | |||||
| 2155470 | D | A | D | A | C | A | D | A | Closed | 2026-03-31 00:30 | 2026-04-03 09:01 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. - Seller-04/02/2026 Open- - Due Diligence Vendor-04/01/2026 Open- - Due Diligence Vendor-04/01/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ******* Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-03/31/2026 Open- - Due Diligence Vendor-03/31/2026 |
Ready for Review-Document Uploaded. - Seller-04/02/2026 |
Resolved-PCCD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-04/03/2026 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx | |||||
| 2156379 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 2156380 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 2155469 | C | B | A | A | C | B | A | A | Closed | 2026-04-02 13:25 | 2026-04-06 11:47 | Waived | 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). | Waived-This case has been downgraded to EV2-B due to the use of H8 when H9 was required. The investor has elected to have the grading based on substantially similar rulings from the xxx (xxx). - Due Diligence Vendor-04/06/2026 Counter-Some lenders have requested assigning an EV grade of H8 instead of H9 based on a “substantially similar” interpretation using circuit court rulings as the determining factor; however, XXXX has not requested this approach. - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please see the attached email from our attorney regarding the H9 NORTC. - Seller-04/03/2026 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-04/02/2026 |
Ready for Review-Document Uploaded. Please see the attached email from our attorney regarding the H9 NORTC. - Seller-04/03/2026 |
Waived-This case has been downgraded to EV2-B due to the use of H8 when H9 was required. The investor has elected to have the grading based on substantially similar rulings from the xxx. - Due Diligence Vendor-04/06/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.8% 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 16.5% 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 0.01 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 | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxx | ||||
| 2155471 | D | A | D | A | A | A | A | A | Closed | 2026-04-02 02:28 | 2026-04-06 12:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. - Seller-04/03/2026 Open-Missing Lender Worksheet or Bank Statement Summary Please provide lender worksheet for bank statement income of xxx. - Due Diligence Vendor-04/02/2026 |
Ready for Review-Document Uploaded. - Seller-04/03/2026 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/06/2026 |
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 700 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 - 6.07 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |
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 | ||||
| 2155472 | 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 | ||||||||||||||||||||
| 2153210 | 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 | ||||||||||||||||||||
| 2153208 | 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 | ||||||||||||||||||||
| 2153209 | 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 | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 2153207 | 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 | ||||||||||||||||||||
| 2158754 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 2158737 | C | A | C | A | A | A | A | A | Closed | 2026-04-13 08:45 | 2026-04-23 12:33 | Resolved | 1 - Information | C | A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved-LOE is present to support deposit. - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. - Buyer-04/22/2026 Open-Income and Employment Do Not Meet Guidelines . Provide documentation to evidence large wire for $xxx made on xxx showing wire however no there is description to evidence commission related. - Due Diligence Vendor-04/13/2026 |
Resolved-LOE is present to support deposit. - Due Diligence Vendor-04/23/2026 |
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 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 34.67 Years 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 0.06 |
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 | |||||
| 2158753 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 2158696 | 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 | ||||||||||||||||||||
| 2158697 | D | A | D | A | A | A | A | A | Closed | 2026-04-16 02:20 | 2026-04-21 14:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | Resolved-12 month personal bank statements and income worksheet provided - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. - Seller-04/20/2026 Counter-The 12 months of B/S provided does not match the monthly deposits on the Lender's Income worksheet. - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. - Seller-04/17/2026 Open-All bank statement docs are missing in file. Account #xxx Bank name : xxx ( xxx ) - Due Diligence Vendor-04/16/2026 |
Ready for Review-Document Uploaded. - Seller-04/20/2026 Ready for Review-Document Uploaded. - Seller-04/17/2026 |
Resolved-12 month personal bank statements and income worksheet provided - Due Diligence Vendor-04/21/2026 |
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 14.66% 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 | ||||
| 2158735 | 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 |