Exhibit 99.2 - Schedule 5
| Loan Number | Seller Loan Number | Originator | Last Name | Note Date | Original Balance | State | TPR QM ATR Status | Loan Status | Exception Date | Remediation Status | Exception ID | Exception Type | Exception Category | Exceptions | Exception Rebuttal | Exception Rebuttal Date | Exception Rebuttal Response | Exception Rebuttal Response Date | Compensating Factors | Initial Overall Loan Grade | Final Overall Loan Grade | Initial Exception Grade | Final Exception Grade | Initial Credit Grade | Final Credit Grade | Initial Property Valuation Grade | Final Property Valuation Grade | Initial Compliance Grade | Final Compliance Grade | Initial Overall Grade (DBRS/Morningstar) | Initial Credit Grade (DBRS/Morningstar) | Initial Property Valuation Grade (DBRS/Morningstar) | Initial Compliance Grade (DBRS/Morningstar) | Initial Overall Grade (Fitch) | Initial Credit Grade (Fitch) | Initial Property Valuation Grade (Fitch) | Initial Compliance Grade (Fitch) | Initial Overall Grade (Kroll) | Initial Credit Grade (Kroll) | Initial Property Valuation Grade (Kroll) | Initial Compliance Grade (Kroll) | Initial Overall Grade (Moodys) | Initial Credit Grade (Moodys) | Initial Property Valuation Grade (Moodys) | Initial Compliance Grade (Moodys) | Initial Overall Grade (S&P) | Initial Credit Grade (S&P) | Initial Property Valuation Grade (S&P) | Initial Compliance Grade (S&P) | Final Overall Grade (DBRS/Morningstar) | Final Credit Grade (DBRS/Morningstar) | Final Property Grade (DBRS/Morningstar) | Final Compliance Grade (DBRS/Morningstar) | Final Overall Grade (Fitch) | Final Credit Grade (Fitch) | Final Property Grade (Fitch) | Final Compliance Grade (Fitch) | Final Overall Grade (Kroll) | Final Credit Grade (Kroll) | Final Property Grade (Kroll) | Final Compliance Grade (Kroll) | Final Overall Grade (Moodys) | Final Credit Grade (Moodys) | Final Property Grade (Moodys) | Final Compliance Grade (Moodys) | Final Overall Grade (S&P) | Final Credit Grade (S&P) | Final Property Grade (S&P) | Final Compliance Grade (S&P) |
| 2004956 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 04/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.16% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2004956 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 04/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.16% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2004956 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/11/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 04/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.16% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2005158 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 04/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.04% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.8% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2005158 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. | Informational Only | 04/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.04% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.8% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2005158 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 04/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.04% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.8% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2077356 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/15/2025 | Resolved | XXXX | Compliance | Intent to Proceed is Missing | The intent to proceed is missing. Document Required: The intent to proceed is missing. | Document Uploaded. Hello, Please see attached auth form Thank you, | 08/20/2025 | Proof of Intent to Proceed has been provided. | 08/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.45% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.21% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2077356 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/14/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 08/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.45% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.21% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2077356 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/14/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 08/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.45% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.21% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2041748 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/16/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 06/16/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.06% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2041748 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/16/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 06/16/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.06% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2041748 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/13/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 06/16/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.06% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2041665 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 06/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.86% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2041665 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 06/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.86% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2041665 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/10/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 06/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.86% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2041695 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 06/04/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 06/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.98% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2041695 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 06/05/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 06/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.98% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2041695 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 06/04/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 06/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.98% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2041700 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 06/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.26% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2041700 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 06/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.26% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2041700 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 06/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.26% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2041604 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 06/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.24% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.7% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2041604 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 06/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.24% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.7% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2041604 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 06/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.24% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.7% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2041832 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/08/2025 | Resolved | XXXX | Property | Ineligible Property | Please provide additional documentation from the XXXX to verify the terms required in the event of a foreclosure, the company or assignee has the discretion to: XXX) terminate the lease agreement or PPA and require the owner of the equipment to remove the panels and supporting equipment, XXX) become the beneficiary of the borrower's lease agreement or PPA without incurring a transfer fee, or XXX) enter into a new lease agreement or PPA, with the owner of the equipment, under terms no less favorable than the existing lease agreement or PPA. | Document Uploaded. The XXXX are not securing the property, just the fixture. The UCC filing protects the solar co’s panels and they can reposes the panels if the loan goes into default. | 06/11/2025 | Required language regrading transfer and termination is present in PPA. Condition cleared.; Lender comments reviewed. XXX CES Lending guide XX/XX/XXXX page XXX indicates the required wording for a PPA as follows: In the event of a foreclosure, the company or assignee has the discretion to: XXX) terminate the lease agreement or PPA and require the owner of the equipment to remove the panels and supporting equipment, XXX) become the beneficiary of the borrower's lease agreement or PPA without incurring a transfer fee, or XXX) enter into a new lease agreement or PPA, with the owner of the equipment, under terms no less favorable than the existing lease agreement or PPA. Documentation from the XXXX to verify the terms required per the lender guidelines are missing. Condition remains. | 06/17/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.29% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.64% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2041832 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/08/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 06/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.29% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.64% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | A | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2041832 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2025 | Resolved | XXXX | Compliance | No Compliance Findings | Transaction meets BP guidelines. Transaction is a cash out refinance and is exempt from TRID/QM. According to the BP letter on page XXX that no part of the proceeds of the loan will be used for consumer purpose. The loan is in compliance with all applicable laws and regulations. | Informational Only | 06/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.29% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.64% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | A | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2041686 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/11/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 06/12/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.18% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.23% is less than Guideline CLTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2041686 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/10/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 06/12/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.18% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.23% is less than Guideline CLTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2041686 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/10/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 06/12/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.18% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.23% is less than Guideline CLTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2041740 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/10/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 06/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.34% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2041740 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/10/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 06/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.34% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2041740 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 06/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.34% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068531 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/11/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 08/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.09% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.76% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068531 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/11/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 08/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.09% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.76% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068531 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/13/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 08/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.09% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.76% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068231 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/14/2025 | Cured | XXXX | Compliance | Charges That Cannot Increase Test | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero-tolerance violation in the amount of XXX is due to increase from in transfer taxes on the revised LE. The file contains a COC but no valid reason was given for the increase. The fee increased again on the final CD but a cure for XXX was given but this was not sufficient to cover both increases to the transfer taxes | Document Uploaded. Please see attached. ; Document Uploaded. Please see attached. | 08/26/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Finding remains. The original lender credit of XXX was insufficient and still requires the additional $XXX. 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease 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). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero-tolerance violation in the amount of XXX is due to increase from in transfer taxes on the revised LE. The file contains a COC but no valid reason was given for the increase. The fee increased again on the final CD but a cure for XXX was given but this was not sufficient to cover both increases to the transfer taxes | 08/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.84% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | B | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 2068231 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/18/2025 | Resolved | XXXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing evidence of the XXX loan being paid off per another transaction XXX per UW notes. Additional condition may apply. | Document Uploaded. Please see attached. ; Document Uploaded. Please see attached. | 08/21/2025 | Lender provided XXX pay history, settlement Statement reflecting payoff of XXX and credit report. Condition cleared.; Borrower 1 Credit Report is not partially present.; Finding remains as we are still missing evidence of the XXX account being paid off. The account was never reporting to credit agencies, so a credit report will not reflect this as paid off. | 08/22/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.84% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 2068231 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/14/2025 | Resolved | XXXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Primary residence 2nd Mtg with XXX need XXX months satisfactory housing history with monthly payment terms. | Document Uploaded. Please see attached. ; Document Uploaded. Please see attached. | 08/21/2025 | Lender provided XXX pay history, settlement Statement and credit report. Condition cleared.; Housing History Meets Guideline Requirements; Finding remains as we did not receive anything reflecting the loan deport pay history. | 08/22/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.84% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 2068231 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/14/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 08/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.84% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2068394 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/30/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 08/04/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.3% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.79% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068394 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/30/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 08/04/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.3% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.79% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068394 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/31/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 08/04/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.3% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.79% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068597 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/31/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 08/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.25% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068597 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/31/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 08/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.25% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068597 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/04/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 08/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.25% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2067961 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/31/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 08/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.43% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2067961 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/31/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 08/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.43% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2067961 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/04/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 08/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.43% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068057 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/12/2025 | Cured | XXXX | Compliance | Charges That Cannot Increase Test | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Document Signing fee and an increase from XXX to XXX for the Notary Fee. Change of circumstance notices are provided however the reason for the increases are insufficient. | Document Uploaded. Attached Refund Check, PCCD, LOE and Proof of Delivery XXX. ; Document Uploaded. Attached COC | 08/21/2025 | Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; The COCs indicate "new information requires additional services" but there is no indicates as to what the new information is. Provide clarification for review | 08/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.66% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.99% is less than Guideline CLTV of 90% | C | B | C | B | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 2068057 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/12/2025 | Resolved | XXXX | Compliance | Qualified Mortgage Safe Harbor Threshold | HPML compliant This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §XXX(b)(XXX), (e)(XXX) his loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XX/XX/XXXX or more percentage points for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 08/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.66% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.99% is less than Guideline CLTV of 90% | C | B | A | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2068057 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/13/2025 | Resolved | XXXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Lenders DTI per 1008is XXX% VS audit DTI of XXX%. The XXX reflects an additional XXX monthly debt for borrower that is not evidenced per the 1003 or credit report, please submit evidence of the additional debt. | Document Uploaded. | 08/19/2025 | Condition cleared as we have received the credit report. ; Borrower 1 Credit Report is not partially present. | 08/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.66% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.99% is less than Guideline CLTV of 90% | C | B | C | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 2068057 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/08/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 08/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.66% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.99% is less than Guideline CLTV of 90% | C | B | A | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2068012 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/04/2025 | Resolved | XXXX | Compliance | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Intent Attached | 08/06/2025 | Proof of Intent to Proceed has been provided. | 08/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.11% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2068012 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/04/2025 | Resolved | XXXX | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 08/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.11% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068012 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/04/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 08/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.11% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068012 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/01/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 08/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.11% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068012 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/01/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 08/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.11% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068149 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/01/2025 | Resolved | XXXX | Credit | Borrower 1 Paystubs Missing | Borrower 1 Paystubs Missing The file is missing a paystub to calculate the Borrowers current income. A WVOE for current employer found in the loan file, however it only confirms the borrower's hire date, position and probably of continued employment. Audit used Lenders income for qualifying. Income will need to be calculated upon receipt of missing income document. Additional conditions may apply. | Document Uploaded. Please see attached Paystub. | 08/11/2025 | Lender provided YTD paystub supporting Lender's income calculation. Condition cleared.; Borrower 1 Paystubs Provided Lender provided YTD paystub supporting Lender's income calculation. Condition cleared. | 09/03/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.33% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.73% is less than Guideline CLTV of 75% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2068149 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/01/2025 | Resolved | XXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing 1st lien Statement with XXX bank acct ending XXX for REO located at XXX. Provide Statement and if account is not escrowed, will need proof of property taxes and insurance. | Document Uploaded. Please see attached 1st lien Statement for XXX. | 08/11/2025 | Lender provided mortgage Statement ending XXX for REO property verifying mortgage includes escrows for both taxes and insurance. Condition cleared. | 08/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.33% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.73% is less than Guideline CLTV of 75% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2068149 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/01/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 08/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.33% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.73% is less than Guideline CLTV of 75% | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068149 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/04/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 08/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.33% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.73% is less than Guideline CLTV of 75% | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068445 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/31/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 08/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.93% is less than Guideline LTV of 60% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068445 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/31/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 08/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.93% is less than Guideline LTV of 60% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068445 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/04/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 08/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.93% is less than Guideline LTV of 60% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068566 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/01/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 08/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.85% is less than Guideline LTV of 60% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068566 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/01/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 08/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.85% is less than Guideline LTV of 60% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068566 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/04/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 08/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.85% is less than Guideline LTV of 60% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068585 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/05/2025 | Resolved | XXXX | Compliance | Intent to Proceed is Missing | The intent to proceed is missing. | Document Uploaded. copy of Intent to Proceed | 08/07/2025 | Lender provided verification of Borrower's Intent to Proceed. Condition cleared.; Proof of Intent to Proceed has been provided. | 08/08/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 40.57% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.94% is less than Guideline CLTV of 75% | B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2068585 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/04/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 08/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 40.57% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.94% is less than Guideline CLTV of 75% | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068585 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/04/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 08/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 40.57% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.94% is less than Guideline CLTV of 75% | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068154 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/01/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 08/06/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.17% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.68% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068154 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 08/06/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.17% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.68% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068154 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/06/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 08/06/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.17% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.68% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068261 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/13/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML not compliant, file does not contain proof the appraisal was delivered at least XXX days prior to consummation | Document Uploaded. Please see attached e-Consent screen and appraisal proof of delivery, it was sent to the bwr and we just re-app the loan. | 08/22/2025 | Appraisal delivery provided; HPML Compliant, Exception resolved | 08/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.32% is less than Guideline LTV of 85% | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2068261 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/13/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Appraisal Delivery to the Borrower is Greater than XXX days Prior to Consummation (12 CFR 1026.35(c)(6)) | Confirmation of Appraisal delivery date to the borrower of XX/XX/XXXX is less than XXX days prior to consummation of XX/XX/XXXX. A copy of the appraisal was provided on XX/XX/XXXX which is not at least XXX days prior to consummation | Document Uploaded. Please see attached e-Consent screen and appraisal proof of delivery, it was sent to the bwr and we just re-app the loan. | 08/22/2025 | Date of Borrower Receipt of Appraisal exceeds XXX business days from Closing Date, or Unable to Determine | 08/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.32% is less than Guideline LTV of 85% | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2068261 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/13/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 08/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.32% is less than Guideline LTV of 85% | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068261 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/13/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 08/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.32% is less than Guideline LTV of 85% | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068320 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/07/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 08/11/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.86% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.14% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068320 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/07/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 08/11/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.86% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.14% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068320 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/07/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 08/11/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.86% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.14% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068091 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 08/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.34% is less than Guideline LTV of 60% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068091 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 08/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.34% is less than Guideline LTV of 60% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068091 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/06/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 08/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.34% is less than Guideline LTV of 60% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068503 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/13/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 08/15/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.42% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.09% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068503 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/14/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 08/15/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.42% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.09% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068503 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/15/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 08/15/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.42% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.09% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068219 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/14/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 08/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.26% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 29.44% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068219 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/15/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 08/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.26% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 29.44% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068219 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/15/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 08/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.26% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 29.44% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068220 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/15/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 08/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.68% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.93% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068220 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/15/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 08/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.68% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.93% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068220 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/15/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 08/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.68% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.93% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068499 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/05/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 08/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.98% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068499 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/05/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 08/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.98% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068499 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/06/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 08/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.98% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068286 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/11/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 08/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.05% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068286 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/12/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 08/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.05% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068286 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/12/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 08/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.05% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068298 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/06/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 08/11/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.21% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.75% is less than Guideline CLTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068298 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/06/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 08/11/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.21% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.75% is less than Guideline CLTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068298 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/08/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 08/11/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.21% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.75% is less than Guideline CLTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068383 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/14/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 08/18/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.98% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.94% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068383 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/14/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 08/18/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.98% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.94% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068383 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/14/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 08/18/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.98% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.94% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2041556 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 06/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.55% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.1% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2041556 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 06/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.55% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.1% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2041556 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 06/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.55% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.1% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2041589 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/13/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 06/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.87% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2041589 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/13/2025 | Resolved | XXXX | Compliance | MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test | This loan failed the XXX 209 CMR 32.35 higher-priced mortgage loan test. (XXX 209 CMR 32.35 sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations hile the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 06/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.87% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2041589 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/14/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 06/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.87% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2041589 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/14/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 06/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.87% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2041591 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/14/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 06/16/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.11% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2041591 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/14/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 06/16/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.11% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2041591 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/14/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 06/16/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.11% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2048751 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/16/2025 | Rescinded | XXXX | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Please provide evidence of rent loss coverage. | Rent loss coverage is not required by guidelines. Condition rescinded. | 07/08/2025 | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2048751 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/16/2025 | Resolved | XXXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The DTI variance is due to the final application omitted an XXX revolving account ending XXX with a XXX per month payment. The loan file does not contain documentation to support the omission of this debt, resulting in a DTI that exceeds Lender guidelines. Audited DTI of XXX% exceeds Guideline DTI of XXX% The DTI variance is due to the final application omitted an XXX revolving account ending XXX with a XXX per month payment. The loan file does not contain documentation to support the omission of this debt, resulting in a DTI that exceeds Lender guidelines. | Why didn't the uploaded XXX Statement confirming zero balance did not clear this condition?; Document Uploaded. Please see attached XXX Statement confirming XXX balance as of XX/XX/XXXX. | 06/25/2025 | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; XXX XXX balance Statement; Audited DTI of XXX% exceeds Guideline DTI of XXX%; XXX zero balance Statement | 06/25/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.22% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2048751 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/16/2025 | Resolved | XXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Please provide a copy of the note, final HUD and/or credit update verifying the mortgage payment and mortgage payment history for the borrower's primary residence at XXX. Recalculation of DTI upon receipt of documents will be completed. | Document Uploaded. Please see attached Note and FSS for borrower's primary residence. | 06/24/2025 | Note and CD for borrower primary residence; Note and CD for borrower primary residence | 06/25/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.22% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2048751 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/16/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 06/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.22% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2048751 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/16/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 06/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.22% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068544 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/12/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 08/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.1% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.86% is less than Guideline CLTV of 70% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068544 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/13/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational Only | 08/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.1% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.86% is less than Guideline CLTV of 70% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2068544 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/13/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational Only | 08/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.1% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.86% is less than Guideline CLTV of 70% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2086278 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/22/2024 | Acknowledged | XXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report | Investor provided exception for acknowledgement of missing fraud report. Originator is not able to provide due to seasoning of loan. | 07/10/2024 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.44% is less than Guideline LTV of 89.9% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | D | B | D | B | A | A | B | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||
| 2086278 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/20/2024 | Acknowledged | XXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged | 07/10/2024 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.44% is less than Guideline LTV of 89.9% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | B | B | D | B | A | A | B | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||
| 2086278 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/22/2024 | Resolved | XXXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Subject loan is a 2nd lien and the loan application in the file is only for the first lien. The file is missing the 1003 for the subject transaction. | The Final 1003 is Present; The Final 1003 is Present | 06/24/2024 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.44% is less than Guideline LTV of 89.9% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | D | A | D | B | A | A | B | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||
| 2086278 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/22/2024 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/29/2024 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.44% is less than Guideline LTV of 89.9% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | A | A | D | B | A | A | B | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||
| 2086263 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/25/2024 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/29/2024 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.3% is less than Guideline LTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2086263 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/23/2024 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/29/2024 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.3% is less than Guideline LTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2086263 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/23/2024 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/29/2024 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.3% is less than Guideline LTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2086289 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/20/2024 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Missing proof of appraisal delivery to borrower at least XXX days prior to consummation | Appraisal receipt provided; exception downgraded to a XXX | 07/18/2024 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | A | A | D | A | A | A | B | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2086289 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/20/2024 | Resolved | XXXX | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Missing proof of appraisal delivery to borrower at least XXX days prior to consummation | Appraisal receipt provided; exception downgraded to a XXX | 07/18/2024 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | A | A | D | A | A | A | B | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2086289 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/20/2024 | Acknowledged | XXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged | 07/10/2024 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | B | B | D | A | A | A | B | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2086289 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/22/2024 | Resolved | XXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report | Fraud Report Received. Condition Resolved.; Fraud Report Received. No additional applications in process, no other inquiries on credit. Condition resolved.; Third Party Fraud Report is provided | 06/13/2024 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | D | A | D | A | A | A | B | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2086289 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/22/2024 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/29/2024 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | A | A | D | A | A | A | B | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2086291 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/19/2024 | Resolved | XXXX | Credit | Missing Property Tax Cert | Missing Property Tax Cert | Resolved, tax cert provided in loan file. | 07/10/2024 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.86% is less than Guideline LTV of 85% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2086291 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/19/2024 | Resolved | XXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Fraud Report Received. Condition Resolved.; Fraud report received, reflects SSN found on SSA's frozen high group list and to obtain proof of SSN. Copy of SSN and DL in file and matches credit. No fraud alert or frozen credit reflected. Condition resolved; Third Party Fraud Report is provided | 06/13/2024 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.86% is less than Guideline LTV of 85% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2086291 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/21/2024 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/29/2024 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.86% is less than Guideline LTV of 85% | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2086291 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/19/2024 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/29/2024 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.86% is less than Guideline LTV of 85% | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2086293 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/20/2024 | Resolved | XXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report The file does not contain evidence that a fraud report was obtained. | Fraud Report Received. No issues. Condition resolved.; Third Party Fraud Report is provided | 06/13/2024 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.76% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.9% is less than Guideline LTV of 89.99% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2086293 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/20/2024 | Resolved | XXXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided The XXX in the file lists the Purchase price as $XXX. Per the Contract addendum, the Final CD, and the AUS for the Sr Lien the Purchase price was reduced to $XXX. The XXX Lists the LTV as XXX% it should be XXX and the HCLTV is listed as XXX and should be XXX% | Approval/Underwriting Summary is fully present. Received corrected XXX reflecting the correct Selling Price, LTV/CLTV. Exception resolved. | 06/10/2024 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.76% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.9% is less than Guideline LTV of 89.99% | D | A | B | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2086293 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/24/2024 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/29/2024 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.76% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.9% is less than Guideline LTV of 89.99% | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2086293 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/20/2024 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/29/2024 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.76% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.9% is less than Guideline LTV of 89.99% | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2086294 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/21/2024 | Acknowledged | XXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged | 07/10/2024 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 84.8% is less than Guideline CLTV of 95% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.65% is less than Guideline LTV of 95% | Borrower has stable job time - Borrower has XXX years on job. | D | B | B | B | D | A | A | A | B | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2086294 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/19/2024 | Resolved | XXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Fraud Report Received. No issues. Condition resolved.; Third Party Fraud Report is provided; Fraud Report Received. No issues. Condition resolved.; Third Party Fraud Report is provided | 06/12/2024 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 84.8% is less than Guideline CLTV of 95% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.65% is less than Guideline LTV of 95% | Borrower has stable job time - Borrower has XXX years on job. | D | B | D | A | D | A | A | A | B | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2086294 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/21/2024 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/29/2024 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 84.8% is less than Guideline CLTV of 95% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.65% is less than Guideline LTV of 95% | Borrower has stable job time - Borrower has XXX years on job. | D | B | A | A | D | A | A | A | B | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2086295 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/21/2024 | Acknowledged | XXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged | 07/10/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.32% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | B | B | D | A | A | A | B | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2086295 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/23/2024 | Resolved | XXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report The file does not contain a fraud report. | Fraud Report Received. Condition Resolved.; Fraud Report Received. No evidence of XXX on credit for loans listed in fraud report. Condition Resolved.; Third Party Fraud Report is provided | 06/13/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.32% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | D | A | D | A | A | A | B | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2086295 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/23/2024 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/29/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.32% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | A | A | D | A | A | A | B | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2086297 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/20/2024 | Resolved | XXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report The file does not contain a required Fraud report. | Fraud Report Received. Condition Resolved.; Fraud Report Received. Borrower Employer/Info verified in file. No issues. Condition resolved.; Third Party Fraud Report is provided | 06/13/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.32% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.94% is less than Guideline CLTV of 85% | D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2086297 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/24/2024 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant and allowed per lender guidelines, therefore downgraded to A. | HPML Compliant | 05/29/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.32% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.94% is less than Guideline CLTV of 85% | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2086297 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/24/2024 | Resolved | XXXX | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant and allowed per lender guidelines, therefore downgraded to A. | HPML Compliant | 05/29/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.32% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.94% is less than Guideline CLTV of 85% | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2086297 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/20/2024 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/29/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.32% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.94% is less than Guideline CLTV of 85% | D | A | A | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2086302 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/21/2024 | Resolved | XXXX | Credit | Balloon Rider is Missing | Balloon Rider is Missing The Loan has a Balloon Payment and a Balloon Rider was not provided. | Exception resolved. Balloon Rider not disclosed as rider requiring borrower signature on Mortgage. | 07/10/2024 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.19% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.73% is less than Guideline LTV of 85% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2086302 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/21/2024 | Resolved | XXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report The file does not contain a required Fraud report. | Fraud Report Received. Condition Resolved.; Fraud Report Received-possible SAM hit for appraiser. Not one in the same. Subject appraiser located in XXX vs. XXX on p XXX of report. Condition resolved.; Third Party Fraud Report is provided | 06/13/2024 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.19% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.73% is less than Guideline LTV of 85% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2086302 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/26/2024 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/29/2024 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.19% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.73% is less than Guideline LTV of 85% | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2086302 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/21/2024 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/29/2024 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.19% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.73% is less than Guideline LTV of 85% | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2086270 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/23/2024 | Acknowledged | XXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged | 07/10/2024 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.53% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.85% is less than Guideline LTV of 85% | D | B | B | B | D | A | A | A | B | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2086270 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/21/2024 | Resolved | XXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Fraud Report received. Condition resolved.; Third Party Fraud Report is provided | 06/13/2024 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.53% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.85% is less than Guideline LTV of 85% | D | B | D | A | D | A | A | A | B | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2086270 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/21/2024 | Resolved | XXXX | Credit | OFAC Check Not Completed and/or Cleared | OFAC Check Not Completed and/or Cleared | Fraud Report received. Condition resolved.; OFAC Check Completed and Cleared | 06/13/2024 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.53% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.85% is less than Guideline LTV of 85% | D | B | C | A | D | A | A | A | B | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2086270 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/21/2024 | Resolved | XXXX | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists | Fraud Report received. Condition resolved.; All Interested Parties Checked against Exclusionary Lists | 06/13/2024 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.53% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.85% is less than Guideline LTV of 85% | D | B | C | A | D | A | A | A | B | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2086270 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/21/2024 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/29/2024 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.53% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.85% is less than Guideline LTV of 85% | D | B | A | A | D | A | A | A | B | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2020035 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/12/2025 | Resolved | XXXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The reviewer determined the XXX mo. average of the borrower's income as a Real EState Professional following allowances for mileage and eligible expenses is $XXX. The lender determined an average of XXX the primary difference being the mileage allowances in the lender's calculation, that the reviewer could not reconcile in the returns. The lender also issued deductions for nonrecurring losses in both XXX and XXX that do not appear consistent with the tax returns. The reviewers XXX mo average from XXX and Jumps = $-XXX. The lender's calculation is XXX with the difference being a XXX mile or XXX business mileage credit that the reviewer did not reconcile to the tax returns. The reviewer determined XXX in qualifying mo. income, while the lender's calculation (per the income calculation worksheet) was $XXX. This figure does not reconcile with the figures used in the approval. | Document Uploaded. I asked our underwriting team to take a look at your comments. Based on their response, it's possible that you don't have the latest income calculation tool. Please see attached; Document Uploaded. Per the TPO product profile in effect at application, with a credit score of XXX the maximum DTI is XXX% XX/XX/XXXX, product profile XX/XX/XXXX. | 04/25/2025 | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Income calculation wksht provided; If GL are changed to reflect DTI up to XXX% the file will fail the Max CLTV of 80%. Lender XXX reflects XXX as value and Appraisal in file is $XXX; CES profile XX/XX/XXXX provided | 04/26/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.52% is less than Guideline LTV of 85% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2020035 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/12/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 03/25/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.52% is less than Guideline LTV of 85% | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2020035 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/12/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 03/25/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.52% is less than Guideline LTV of 85% | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031170 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/26/2025 | Resolved | XXXX | Credit | Title Document Missing | Title Document is missing | Title Document is fully Present; Document Uploaded. Transactional Cert | 05/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.28% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031170 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/27/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.28% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031170 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/26/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.28% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018578 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/19/2025 | Acknowledged | XXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Required Affiliated Business Disclosure Missing | Exception is non-material and graded as level 2/B. | 05/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.62% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | B | B | B | B | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2018578 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 04/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.62% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | B | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2018578 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 04/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.62% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | B | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2018578 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/19/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 04/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.62% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | B | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2018578 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/19/2025 | Resolved | XXXX | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | HPML is compliant This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 04/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.62% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | B | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2018575 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/19/2025 | Acknowledged | XXXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. The appraisal located in the loan file reflects the subject is missing flooring in the several rooms, hall way, a door frame is missing, hole in the dry wall, poor drywall condition in the bathroom, no tile/open drywall in the shower are. | We acknowledge that repairs are needed in the home, however, the appraisal was completed As Is. Per the appraiser's comments, the cost to cure was considered in the final value. All repairs are cosmetic in nature and do not pose health or safety concerns. The cost to cure is only XXX% of the value, and with a CLTV of 65.2% the impact is negligible. | 05/02/2025 | Lender acknowledgement received: According to the lender - We acknowledge that repairs are needed in the home, however, the appraisal was completed As Is. Per the appraiser's comments, the cost to cure was considered in the final value. All repairs are cosmetic in nature and do not pose health or safety concerns. The cost to cure is only XXX% of the value, and with a CLTV of 65.2% the impact is negligible. | 05/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.05% is less than Guideline LTV of 75% | C | B | C | B | A | A | C | B | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| 2018575 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/19/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 04/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.05% is less than Guideline LTV of 75% | C | B | A | A | A | A | C | B | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||
| 2018575 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/21/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 04/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.05% is less than Guideline LTV of 75% | C | B | A | A | A | A | C | B | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||
| 2018574 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/23/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 04/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.25% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.88% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018574 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/19/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 04/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.25% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.88% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018574 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/19/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 04/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.25% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.88% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018573 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/23/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 04/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.15% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.67% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018573 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/19/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 04/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.15% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.67% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018573 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/21/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 04/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.15% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.67% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018571 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/19/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 04/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.25% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.98% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018571 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/19/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 04/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.25% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.98% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018571 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 04/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.25% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.98% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018572 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/19/2025 | Resolved | XXXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: The loan file contained an AVM; however, the picture is of trees and not the subject property. | I agree with the reviewer about the photo…it appears it was taken through bushes. However, I contend this is non-material. The property address is our subject. The Property Condition Inspection provides several clear photos of the subject. | 05/05/2025 | Property/Appraisal Meets Guidelines; Reviewed lender comments, confirmed photo of subject is on the property condition report. | 05/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.1% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.31% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2018572 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 04/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.1% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.31% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | A | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018572 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/19/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 04/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.1% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.31% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | A | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018570 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/19/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 04/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.46% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018570 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/18/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 04/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.46% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018570 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/18/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 04/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.46% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018569 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/18/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 04/23/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.17% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.93% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018569 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/18/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 04/23/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.17% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.93% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018569 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 04/23/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.17% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.93% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018566 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/23/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 04/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.52% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.18% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018566 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/23/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 04/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.52% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.18% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018566 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/23/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 04/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.52% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.18% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018565 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/21/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 05/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.49% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018565 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/23/2025 | Resolved | XXXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% 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 XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n 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 XXX 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the total amount of XXX is due to an increase in Recording fee from XXX on the initial LE to XXX on the final CD. The total comparable charges increased by $XXX. | Document Uploaded. | 05/05/2025 | Cure provided prior to review; exception resolved; Cure provided prior to review; exception resolved | 05/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.49% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2018565 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/18/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 04/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.49% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018565 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/18/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 04/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.49% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018564 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 04/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.55% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.88% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018564 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 04/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.55% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.88% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018564 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/21/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 04/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.55% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.88% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018562 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/21/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 04/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.21% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018562 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 04/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.21% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018562 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 04/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.21% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018563 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/21/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 05/05/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.35% is less than Guideline LTV of 75% | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018563 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/21/2025 | Resolved | XXXX | Compliance | Charges That Cannot Increase Test | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Loan Discount Fee on the revised LE issued XX/XX/XXXX without a valid reason. | Document Uploaded. | 05/05/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 05/05/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.35% is less than Guideline LTV of 75% | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2018563 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/21/2025 | Resolved | XXXX | Compliance | MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the XXX 209 CMR 32.35 higher-priced mortgage loan test. (XXX 209 CMR 32.35 sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations hile the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 05/05/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.35% is less than Guideline LTV of 75% | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018563 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/21/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 04/23/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.35% is less than Guideline LTV of 75% | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018563 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 04/23/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.35% is less than Guideline LTV of 75% | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018561 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/22/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 04/23/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.85% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018561 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 04/23/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.85% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018561 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 04/20/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 04/23/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.85% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 1932080 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/04/2024 | Acknowledged | XXXX | Credit | Hazard insurance dwelling coverage is not sufficient | Hazard Insurance coverage of XXX is less than required coverage required Guidelines require Coverage A of the hazard insurance to cover XXX% of the replacement costs indicated. The hazard insurance provided is insufficient as the Replacement Cost Estimator reflects $XXX; however, Coverage A of the hazard insurance policy indicates coverage of XXX which is insufficient. | Provided invoice for HOI. Policy documented coverage is XXX Insurance company Reconstruction cost of XXX from XX/XX/XXXX. RCE provided in file dated XX/XX/XXXX reflects estimated replacement cost of $XXX. No new documents provided. | 12/02/2024 | Client exception provided for coverage supported by the following compensating factors: XXX years on job, credit score XXX LTV/CLTV of 6%/XXX%. Exception downgraded to a level 2/B.; RCE from XX/XX/XXXX provided reflected reconstruction cost of XXX No new documentation provided and documented coverage of XXX is insufficient based on RCE in file of XXX Condition remains. Please confirm with Insurer guaranteed replacement coverage is included in policy endorsements. ; RCE from XX/XX/XXXX provided reflected reconstruction cost of XXX No new documentation provided and documented coverage of XXX is insufficient based on RCE in file of XXX Condition remains.; Document Uploaded. ; Documents provided for rebuttal on Cost for replacement are dated XX/XX/XXXX. Estimates XXX for reconstruction with debris removal. Homeowners replacement cost estimator in file is dated XX/XX/XXXX with replacement cost of XXX Please provide updated document from insurer regarding current cost to replace. ; Document Uploaded. | 05/28/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 25.12% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.34% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 1932080 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2024 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 10/10/2024 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 25.12% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.34% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 1932080 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/04/2024 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 10/10/2024 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 25.12% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 5.34% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 1885213 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 10/10/2024 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. | HPML Compliant | 10/15/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.92% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 1885213 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 10/08/2024 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 10/15/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.92% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 1885213 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 10/08/2024 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 10/15/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.92% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018559 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 04/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.79% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.67% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018559 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 04/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.79% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.67% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2018559 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/22/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 04/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.79% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.67% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 1932045 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2024 | Acknowledged | XXXX | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. | Policy effective date XX/XX/XXXX uploaded. | 12/09/2024 | Client exception provided supported by the following compensating factors: XXX years on job, credit score XXX LTV/CLTV of 15%/XXX%. Exception downgraded to a level 2/B.; Loan disbursed XX/XX/XXXX. Policy in file and policy uploaded for condition reflect effective date of XX/XX/XXXX. Please provide prior insurance binder to reflect loan coverage at date of disbursement. ; Document Uploaded. | 05/28/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.66% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.56% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 1932045 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2024 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 11/08/2024 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.66% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.56% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 1932045 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/08/2024 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 11/08/2024 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.66% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.56% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 1990583 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/28/2025 | Resolved | XXXX | Compliance | Loan Originator NMLS Status is Not Active | Loan Originator NMLS Status is Not Active XXX was not an active loan Originator as of XX/XX/XXXX; Note dated XX/XX/XXXX. | Document Uploaded. | 02/10/2025 | Loan Originator NMLS Status is Active; Renewal approved through XXX | 05/28/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.41% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | A | D | B | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 1990583 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/28/2025 | Resolved | XXXX | Compliance | Regulation § 1026.43(c)(2)(vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. | Regulation § 1026.43(c)(2)(vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. Marital Settlement Agreement and Parenting Plan indicated child support payment of XXX and alimony payment of $XXX; debt was not included at the time origination and supporting documentation of omission was not provided at the time of audit review. | Unable to Resolve-Unable to Cure | 03/07/2025 | The consumer's current debt obligations, alimony, and child support or other debt obligations were confirmed.; ; Lender is unable to cure the DTI finding, this will remain open as a material grade XXX Audited DTI of XXX% exceeds Guideline DTI of XXX% Marital Settlement Agreement and Parenting Plan indicated child support payment of XXX and alimony payment of $XXX; debt was not included at the time origination and supporting documentation of omission was not provided at the time of audit review. | 05/28/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.41% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | A | D | B | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 1990583 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/28/2025 | Acknowledged | XXXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Marital Settlement Agreement and Parenting Plan indicated child support payment of XXX and alimony payment of $XXX; debt was not included at the time origination and supporting documentation of omission was not provided at the time of audit review. | Unable to Resolve-Unable to Cure | 03/07/2025 | Client exception for DTI provided supported by the following compensating factors: XXX years on job, credit score XXX Exception downgraded to a level 2/B.; Lender is unable to cure the DTI finding, this will remain open as a material grade XXX Audited DTI of XXX% exceeds Guideline DTI of XXX% Marital Settlement Agreement and Parenting Plan indicated child support payment of XXX and alimony payment of $XXX; debt was not included at the time origination and supporting documentation of omission was not provided at the time of audit review. | 05/28/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.41% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | B | D | B | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 1990583 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/28/2025 | Resolved | XXXX | Credit | Missing Divorce Decree | Copy of Dissolution of Marriage executed by Court, Petitioner, and Respondent was not provided to verify the terms for the Marital Settlement Agreement and Parenting Plan dated XX/XX/XXXX. | Document Uploaded. | 02/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.41% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | D | A | D | B | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 1990583 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/31/2025 | Resolved | XXXX | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal fee. COC in file doesn't not provide a reason for the increase. 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). | Document Uploaded. | 02/07/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 02/08/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.41% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | A | D | B | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 1990583 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 02/03/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.41% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | A | A | D | B | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2019858 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2025 | Acknowledged | XXXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Child support/alimony of XXX with reduction of XXXX as per prior condition, DTI is XXX% | Received Client and Seller response requesting an exception for DTI supported by the following compensating factors: Stable employment as XXX for XXX years, XXX FICO, LTV/CLTV of 22%XXX%. Exception downgraded to a level 2/B. | 05/16/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.86% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2019858 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/17/2025 | Resolved | XXXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing court ordered documentation to support the termination/exclusion of Alimony in the amount of XXX monthly and Child Support in the amount of XXX monthly. | Document Uploaded. Please see attached. I noticed that two of the borrower's kids are XXX years old and above so I assumed that the child support obligation was probably lower. We reached out to the borrower who explained that his total monthly obligation is $XXX. In that case, his DTI is XXX% | 04/21/2025 | Borrower 1 Credit Report is not partially present.; Transfer confirmation provided, however no dollar amount on either to confirm. Allotment shows one deposit to his account of XXX on XX/XX/XXXX. | 04/21/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.86% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 2019858 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/17/2025 | Resolved | XXXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing documentation to support XXXX of XXX monthly. The document in the file is missing all pages and is partially redacted. The document our file reflects the income was reduced on XX/XX/XXXX, but the bank Statements reflect a higher deposit from VA on XX/XX/XXXX than on XX/XX/XXXX which is not supported by the document in the file. | I acknowledge the reviewer's comments, however, I contend the loan is still eligible. Per the letter in file, page XXX the borrower's entitlement beginning on XX/XX/XXXX was XXX which matches the bank Statement deposit on XX/XX/XXXX. If we use this income instead of the higher amount, the DTI is still within tolerance. I agree we have an issue with alimony and child support.. will work on that next. Thanks! | 04/10/2025 | Income and Employment Meet Guidelines | 04/12/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.86% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 2019858 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 03/27/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.86% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2030943 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/23/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.87% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030943 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/25/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.87% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030943 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/25/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.87% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2040899 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2025 | Resolved | XXXX | Credit | Borrower 1 Paystubs Missing | Borrower 1 Paystubs Missing - Missing most recent pay stub covering at least XXX days YTD income required by guidelines. Borrower recently got a new employment on XX/XX/XXXX according to VVOE at XXX XXX however, no documentation in file reflects income earned from this employment. Lender qualified the borrower using income from previous employment. | I put this in front of our underwriters who responded: Borrower is union, applicant was currently working for XXX via the XXX XXX - they are one in the same. Therefore, the WVOE for the union reflecting start date of XX/XX/XXXX also represents the employment at XXX. | 05/07/2025 | Borrower 1 Paystubs Provided.; Union employment verified; Borrower 1 Paystubs Provided. | 05/28/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.88% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 2040899 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2025 | Acknowledged | XXXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete - Final 1003 reflects employment start date is XX/XX/XXXX at XXX XXX however, VVOE reflects XX/XX/XXXX. | Client exception provided supported by the following compensating factors: years in industry. Exception downgraded to a level 2/B. | 05/28/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.88% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | D | B | D | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2040899 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/11/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 04/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.88% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2040899 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 04/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.88% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2024086 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/16/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/20/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.16% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2024086 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/16/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/20/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.16% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2024086 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/16/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/20/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.16% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030735 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/19/2025 | Resolved | XXXX | Credit | Title Document is Partially Present | Title Document is incomplete or only partially present A Residential Equity Loan Policy Certificate (RELP) evidencing coverage under a Master Residential Equity Loan Policy (MRELP) is required, if the subject property is located in XXX | Title Document is fully Present; Document Uploaded. warranty transaction cert | 05/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.07% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030735 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/20/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.07% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030735 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/19/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.07% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2024035 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/26/2025 | Cured | XXXX | Compliance | Charges That Cannot Increase Test | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the the appraisal fee. | Document Uploaded. | 05/20/2025 | Cure package provided, exception downgraded to a 2/B; Cure package provided, exception downgraded to a 2/B | 05/20/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.46% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.51% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 2024035 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/01/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/01/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.46% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.51% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2024035 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/01/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/01/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.46% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.51% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2030713 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/27/2025 | Resolved | XXXX | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 80.22% exceeds Guideline CLTV of 80%. Lender used XXX lien balance of XXX to calculate CLTV of 79.986%; however, lowest documented XXX lien balance is XXX per internal screen prints. | Document Uploaded. | 06/05/2025 | Audited CLTV of 79.75% is less than or equal to Guideline CLTV of 80%; Audited CLTV of 80.22% exceeds Guideline CLTV of 80%; Pmac balance update | 06/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 41.23% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2030713 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/27/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 41.23% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030713 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/27/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 41.23% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030944 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/29/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/29/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.4% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030944 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/29/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/29/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.4% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030944 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/29/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/29/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.4% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030769 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/30/2025 | Resolved | XXXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Borrower (XXX) VVOE document is missing in the file. | Document Uploaded. | 05/14/2025 | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX) | 05/15/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.35% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2030769 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/01/2025 | Resolved | XXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of PITIA for REO properties. XXX, MISSING MORTGAGE Statement and tax verification. XXX: Missing HOI, tax verification and mortgage Statement. | Document Uploaded. | 05/14/2025 | Condition resolved as we have received the PITIA for both XXX and XXX. | 05/15/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.35% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2030769 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/01/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/01/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.35% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030769 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/30/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/01/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.35% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2040897 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/26/2025 | Acknowledged | XXXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% DTI Variance: Bonus/Overtime/Commission Income Calculation - The lender calculated the Bonus+Overtime+Commission income of XXX based on the XXX YTD average with a timeframe of XX/XX/XXXX months (XX/XX/XXXX-XX/XX/XXXX). However, the audit used the correct timeframe for XXX of XXX months (XX/XX/XXXX-XX/XX/XXXX) and calculated a combined figure of $XXX. The paystubs show the borrower is paid bi-weekly and is paid around XXX days after the pay period end date. Therefore, the first pay period of the XXX YTD is XX/XX/XXXX-XX/XX/XXXX. | Client exception for DTI provided supported by the following compensating factors: XXX years on job, good residual income. Exception downgraded to a level 2/B. | 05/28/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.56% is less than Guideline LTV of 75% | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2040897 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/23/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/28/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.56% is less than Guideline LTV of 75% | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2040897 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/26/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/28/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.56% is less than Guideline LTV of 75% | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2040895 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/06/2025 | Resolved | XXXX | Credit | Title Document is Partially Present | Title Document is incomplete or only partially present State of XXX. Guidelines require an Errors & Omissions certificate evidencing the loan is covered under a Service Agreement for which there is an Errors & Omissions Liability Policy. Missing Transactional Certificate or Warranty Transaction Certificate. | Title Document is fully Present; Document Uploaded. O&E provided; Document Uploaded. O&E provided | 06/25/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.12% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.51% is less than Guideline LTV of 85% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2040895 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/06/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/08/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.12% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.51% is less than Guideline LTV of 85% | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2040895 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/06/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/08/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.12% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.51% is less than Guideline LTV of 85% | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031077 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/01/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.59% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031077 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/01/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.59% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031077 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/30/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.59% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2024033 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/19/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.73% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2024033 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/19/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.73% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2024033 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/19/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.73% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030865 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/28/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/29/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.88% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030865 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/29/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/29/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.88% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030865 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/29/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/29/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.88% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031149 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/20/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.84% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.86% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031149 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/19/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.84% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.86% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031149 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/19/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.84% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.86% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2040893 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/20/2025 | Acknowledged | XXXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The audit calculated rental income for other REO XXX XXX as XXX per month, not XXX as lender did not include HOI and tax expenses combined, which was XXX not $XXX. Therefore, rental income was calculated lower than lenders. In addition the property expenses for other REO XXX XXX were verified at XXX which is much higher than lender expenses, as lender only included property taxes and not the HOA dues claimed on the XXX personal tax returns, which were XXX annually. Both of these REOs mis-calculations are the cause of the DTI exceeding the guideline maximum of XXX% The borrower does not have the minimum FICO required for DTI > XXX% | Client exception for DTI provided supported by the following compensating factors: XXX years on job, XXX FICO, XXX%/69% LTV/CLTV. Exception downgraded to a level 2/B. | 05/28/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.8% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.06% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2040893 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/19/2025 | Resolved | XXXX | Credit | Income/Employment General | Missing B1 XXX and XXX W-2s from XXX. | Document Uploaded. Borrower 1 is self XXX and is not a W-2 employee XXX years tax returns were provided | 06/03/2025 | ; SE VOE provided | 06/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.8% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.06% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 2040893 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/19/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.8% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.06% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2040893 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/19/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.8% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.06% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2030915 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/01/2025 | Resolved | XXXX | Compliance | Charges That Cannot Increase Test | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. -The Transfer taxes increased from XXX to XXX on the Final CD dated XX/XX/XXXX. The subject XXX increased from XXX to XXX on the revised CD, dated XX/XX/XXXX, which accompanied a COC dated XX/XX/XXXX; however, the transfer taxes remained at XXX as initially disclosed. Afterwards, on XX/XX/XXXX, the Final CD was issued and reflected increased transfer taxes of XXX while the XXX remained at XXX The XXX increase took place on XX/XX/XXXX, while the transfer taxes increase took place more than XXX business days after, on XX/XX/XXXX, and therefore, it is not a valid COC, as it did not meet the timing requirements. | Document Uploaded. | 05/14/2025 | Rebuttal reviewed and accepted for the sufficient cure issued on the final CD to be applied to the Transfer Tax increase. Exception resolved.; Rebuttal reviewed and accepted for the sufficient cure issued on the final CD to be applied to the Transfer Tax increase. Exception resolved. | 05/15/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.67% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2030915 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/01/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.67% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030915 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/01/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.67% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030853 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/12/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 05/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.08% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Screen is not populated for it to be completed invalid error | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030853 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/12/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.08% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Screen is not populated for it to be completed invalid error | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030853 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/12/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.08% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Screen is not populated for it to be completed invalid error | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030900 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/09/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.11% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 40% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030900 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/09/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.11% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 40% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030900 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/09/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.11% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 40% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031126 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/08/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/09/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.84% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.02% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031126 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/07/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/09/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.84% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.02% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031126 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/07/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/09/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.84% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.02% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031132 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/29/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 04/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.02% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031132 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/29/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 04/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.02% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031132 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/29/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 04/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 32.02% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2024038 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/01/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 05/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.18% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2024038 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/01/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.18% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2024038 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/01/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.18% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031034 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/29/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.28% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.48% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031034 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/29/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.28% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.48% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031034 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/29/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.28% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.48% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2024020 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/07/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 05/09/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.42% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2024020 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/07/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/09/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.42% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2024020 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/07/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/09/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.42% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031036 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/29/2025 | Resolved | XXXX | Credit | Title Document is Partially Present | Title Document is incomplete or only partially present As per guidelines XXX State required MRELP Document, MRELP is missing in loan file. | Documentation provided is sufficient. Exception resolved.; Title Document is fully Present; Document Uploaded. | 05/02/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.89% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.01% is less than Guideline CLTV of 80% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031036 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/29/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/01/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.89% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.01% is less than Guideline CLTV of 80% | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031036 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/29/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/01/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.89% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.01% is less than Guideline CLTV of 80% | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030899 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/15/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines: therefore, downgraded to A. | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 05/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.89% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030899 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/15/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.89% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030899 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/15/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.89% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031122 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/05/2025 | Cured | XXXX | Compliance | Charges That Cannot Increase Test | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130 Cure Required, refund in the amount of XXX with PCCD, LOE, Copy of Refund Check and Proof of delivery or a valid COC. The XXX% tolerance violation is due to the increase in the Flood Certificate Fee from XXX to XXX on the revised CD dated XX/XX/XXXX without a valid COC. Please provide a valid COC or cure package. | Document Uploaded. | 05/14/2025 | Cure package provided to the borrower; exception downgraded to a 2/B | 05/15/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.16% is less than Guideline LTV of 85% | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 2031122 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/02/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/05/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.16% is less than Guideline LTV of 85% | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2031122 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/02/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/05/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.16% is less than Guideline LTV of 85% | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2030845 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/19/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.37% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.78% is less than Guideline CLTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030845 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/16/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.37% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.78% is less than Guideline CLTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030845 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/16/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.37% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.78% is less than Guideline CLTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030898 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/13/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.39% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030898 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/12/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.39% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030898 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/12/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.39% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031052 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/05/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.29% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031052 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/04/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.29% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031052 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/04/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.29% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030761 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/09/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 05/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.26% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030761 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/09/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.26% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030761 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/09/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 12.26% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2034769 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/14/2025 | Resolved | XXXX | Credit | The Final 1003 is Missing | The Final 1003 is Missing The Final 1003 is Missing | The Final 1003 is Present; Document Uploaded. | 06/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.43% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2034769 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/15/2025 | Resolved | XXXX | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the HOA Certification Handling Fee on LE XX/XX/XXXX. COC in file does not provide a reason for the increase. 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). | Document Uploaded. | 05/27/2025 | Valid coc provided; exception resolved; Valid coc provided; exception resolved | 05/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.43% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2034769 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/14/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.43% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031050 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/14/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/15/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.38% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031050 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/13/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/15/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.38% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031050 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/13/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/15/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.38% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031023 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/05/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 05/05/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.44% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.63% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031023 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/04/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/05/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.44% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.63% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031023 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/04/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/05/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.44% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.63% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030842 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/29/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/29/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.55% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030842 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/28/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/29/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.55% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030842 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/28/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/29/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.55% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2034764 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/28/2025 | Cured | XXXX | Compliance | Charges That Cannot Increase Test | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The COC in file indicates the reason is due a system error which is not a valid COC. Cure required | Document Uploaded. Refund check was issued and unfortunately mailed via USPS. We are pending evidence of the cleared check. ;. | 06/11/2025 | Cure package provided to borrower; exception downgraded to a 2/B | 06/12/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.8% is less than Guideline LTV of 80% | D | B | C | B | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 2034764 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/27/2025 | Resolved | XXXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% 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 XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n 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 XXX 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). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Title State Premium Tax | Document Uploaded. | 06/09/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 06/09/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.8% is less than Guideline LTV of 80% | D | B | C | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 2034764 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/27/2025 | Resolved | XXXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing XXX Consumer Direct Lending Stand-alone Closed-End Second (CES) Product Profile XX/XX/XXXX requires for employment verification a re-verification of employment be completed XXX business days prior to close date of XX/XX/XXXX. The loan file is missing a VVOE for borrower from employer XXXX. | Document Uploaded. | 06/09/2025 | vvoe provided ; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX) | 06/09/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.8% is less than Guideline LTV of 80% | D | B | D | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 2034764 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/27/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/28/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.8% is less than Guideline LTV of 80% | D | B | A | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2031044 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/28/2025 | Resolved | XXXX | Credit | Title Document is Partially Present | Title Document is incomplete or only partially present The title document in the file is incomplete containing only page number 2 of 3 of the title document. | Title Document is fully Present; Document Uploaded. Warranty transaction cert | 05/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.13% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031044 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/27/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 05/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.13% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031044 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/28/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.13% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030726 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/27/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.79% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.31% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030726 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/27/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.79% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.31% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030726 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/27/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 10.79% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.31% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030880 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/14/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/15/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.54% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030880 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/13/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/15/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.54% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030880 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/13/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/15/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.54% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030985 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/28/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/29/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.79% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030985 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/28/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/29/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.79% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030985 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/28/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/29/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.79% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030744 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/20/2025 | Resolved | XXXX | Credit | PUD Rider is Missing | PUD Rider is Missing The subject property is a PUD; a PUD Rider was recorded with both the 1st lien mortgage and existing 2nd lien mortgage. The subject mortgage does not indicate that a PUD rider was attached to the mortgage at closing. | The PUD Rider is Present or is Not Applicable (XXX is PUD); Document Uploaded. DOT with PUD rider | 06/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.72% is less than Guideline LTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030744 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/20/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.72% is less than Guideline LTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030744 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/20/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.72% is less than Guideline LTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2024059 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/09/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/12/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.64% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2024059 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/09/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/12/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.64% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2024059 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/09/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/12/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.64% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030729 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/13/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/14/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.73% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.57% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030729 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/12/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/14/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.73% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.57% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030729 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/12/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/14/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.73% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.57% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031002 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/20/2025 | Resolved | XXXX | Credit | Borrower 2 W2/1099 Missing | Borrower 2 W2/1099 Missing. Guidelines require most current XXX year W2/XXX. Loan file missing co-borrower's current W2. | Document Uploaded. | 06/05/2025 | Borrower 2 W2/XXX Provided or Not Applicable (Number of Borrowers equals XXX); WVOE | 06/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 46.45% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2031002 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/21/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant- Appraisal requirement met This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 05/22/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 46.45% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031002 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/20/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/22/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 46.45% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2024057 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/21/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.24% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.89% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2024057 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/20/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.24% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.89% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2024057 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/20/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.24% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.89% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030977 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/23/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.12% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030977 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/23/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.12% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030977 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/23/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.12% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2024056 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/14/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/15/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.35% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2024056 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/13/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/15/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.35% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2024056 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/13/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/15/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.35% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030836 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/29/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.25% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.9% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030836 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/28/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.25% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.9% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030836 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/28/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.25% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.9% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031174 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/28/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.38% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031174 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/28/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.38% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031174 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/28/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.38% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031173 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/27/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.35% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031173 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/27/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.35% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2031173 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/27/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.35% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023974 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/16/2025 | Resolved | XXXX | Credit | Title Document is Partially Present | Title Document is incomplete or only partially present Missing Master Residential Equity Loan Policy Certificate. | Resolved as we received the missing MRELP. ; Title Document is fully Present; Document Uploaded. | 05/22/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.92% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023974 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/16/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.92% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2023974 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/16/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.92% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030709 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/16/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/19/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.07% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.11% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030709 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/15/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/19/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.07% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.11% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2030709 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/15/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/19/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.07% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.11% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2040889 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/27/2025 | Acknowledged | XXXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% XXX) B1 Overtime Income Calculation - The lender calculated the XXX YTD average Overtime Income of XXX based on a XXX-month timeframe (XX/XX/XXXX-XX/XX/XXXX). However, the audit used the accurate XXX-month timeframe with the same dates of XX/XX/XXXX-XX/XX/XXXX. Therefore, the audit's calculation is lower at $XXX. XXX) B2 Base Income Calculation - The lender calculated the XXX YTD average Base Income of XXX based on a XXX YTD timeframe of XXX months (XX/XX/XXXX-XX/XX/XXXX). However, the audit determined the correct XXX YTD timeframe was XX/XX/XXXX months (XX/XX/XXXX-XX/XX/XXXX) and calculated a XXX YTD average income of XXX which is in line with the hourly base average income calculation of XXX based on the weekly work hours from the paystub. The paystub shows the borrower is paid weekly and is paid after the pay period end date. The current paystub pay indicates that an average of XXX weekly periods have been included in the XXX YTD; therefore, the first pay period of XXX YTD would be XX/XX/XXXX-XX/XX/XXXX. | Client exception provided for DTI supported by the following compensating factors: XXX years on job, good residual income. Exception downgraded to a level 2/B. | 05/28/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.5% is less than Guideline LTV of 75% | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2040889 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/27/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/28/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.5% is less than Guideline LTV of 75% | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2040889 | XXXXX | XXX | XXXXXX | XX/XX/XXXX | $XXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/27/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/28/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.5% is less than Guideline LTV of 75% | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |