MORGAN STANLEY CAPITAL I INC. ABS-15G
Exhibit 99.4 - Schedule 2
| Client Name: | ||||||
| Client Project Name: | MSRM 2026-NQM7 | |||||
| Start - End Dates: | 10/23/2025 - 4/07/2026 | |||||
| Deal Loan Count: | 132 | |||||
| Conditions Report 2.0 | ||||||
| Loans in Report: | 132 | |||||
| Loans with Conditions: | 78 | |||||
| 26 - Total Active Conditions | ||||||
| 26 - Non-Material Conditions | ||||||
| 23 - Credit Review Scope | ||||||
| 6 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 3 - Category: Assets | ||||||
| 5 - Category: Credit/Mtg History | ||||||
| 4 - Category: Legal Documents | ||||||
| 3 - Category: LTV/CLTV | ||||||
| 2 - Category: Terms/Guidelines | ||||||
| 1 - Property Valuations Review Scope | ||||||
| 1 - Category: FEMA | ||||||
| 2 - Compliance Review Scope | ||||||
| 2 - Category: Right of Rescission | ||||||
| 131 - Total Satisfied Conditions | ||||||
| 47 - Credit Review Scope | ||||||
| 2 - Category: Application | ||||||
| 6 - Category: Assets | ||||||
| 8 - Category: Credit/Mtg History | ||||||
| 3 - Category: DTI | ||||||
| 16 - Category: Income/Employment | ||||||
| 1 - Category: Insurance | ||||||
| 4 - Category: Legal Documents | ||||||
| 1 - Category: Terms/Guidelines | ||||||
| 6 - Category: Title | ||||||
| 19 - Property Valuations Review Scope | ||||||
| 7 - Category: Appraisal | ||||||
| 1 - Category: FEMA | ||||||
| 10 - Category: Property | ||||||
| 1 - Category: Value | ||||||
| 65 - Compliance Review Scope | ||||||
| 9 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 1 - Category: Compliance Manual | ||||||
| 2 - Category: Documentation | ||||||
| 2 - Category: Right of Rescission | ||||||
| 51 - Category: TILA/RESPA Integrated Disclosure | ||||||
| 7 - Total Waived Conditions | ||||||
| 6 - Credit Review Scope | ||||||
| 1 - Category: Assets | ||||||
| 1 - Category: Credit/Mtg History | ||||||
| 1 - Category: DTI | ||||||
| 1 - Category: Income/Employment | ||||||
| 1 - Category: Legal Documents | ||||||
| 1 - Category: LTV/CLTV | ||||||
| 1 - Property Valuations Review Scope | ||||||
| 1 - Category: Appraisal | ||||||
| ©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |
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| Client Name: | ||||||||||||||||||||||||||||||||||||
| Client Project Name: | MSRM 2026-NQM7 | |||||||||||||||||||||||||||||||||||
| Start - End Dates: | 10/23/2025 - 4/07/2026 | |||||||||||||||||||||||||||||||||||
| Deal Loan Count: | 132 | |||||||||||||||||||||||||||||||||||
| Conditions Report 2.0 | ||||||||||||||||||||||||||||||||||||
| Loans in Report: | 132 | |||||||||||||||||||||||||||||||||||
| Loans with Conditions: | 78 | |||||||||||||||||||||||||||||||||||
| Loan Number | Original Principal Balance | State | Initial Lender ATR/QM Status | Loan Level ATR/QM Status | Initial Securitization Overall Loan Grade | Final Securitization Overall Loan Grade | Initial Securitization Credit Loan Grade | Final Securitization Credit Loan Grade | Initial Securitization Property Valuations Loan Grade | Final Securitization Property Valuations Loan Grade | Initial Securitization Compliance Loan Grade | Final Securitization Compliance Loan Grade | Initial S&P Overall Loan Grade | Final S&P Overall Loan Grade | Initial S&P Credit Loan Grade | Final S&P Credit Loan Grade | Initial S&P Property Valuations Loan Grade | Final S&P Property Valuations Loan Grade | Initial S&P Compliance Loan Grade | Final S&P Compliance Loan Grade | Condition Category | Condition Sub Category | Condition Status | Initial Securitization Condition Grade | Final Securitization Condition Grade | Initial S&P Condition Grade | Final S&P Condition Grade | Condition Code | Condition Description | Condition Material Indicator | Initial Comments | Client/Seller Response Comments | Conclusion Comments | TRID Error Type | Cure Method | Compensating Factors |
| 10110817 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves = $XXX, 24.85 months. 3 months required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 785 FICO score is above the 660 min. CFCFS1737: LTV below guideline requirements - XXX Comments: 70% LTV is below the 75% max. | |||||||||||||||
| 10110822 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | B | B | D | A | N/A | N/A | D | B | B | B | D | A | N/A | N/A | Credit | Terms/Guidelines | Active | B | B | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | Loan amount below the minimum loan amount. Exception approved to allow loan amount below $XXX. XXX considers this non material due to compensating factors, borrower is experienced investor, credit score is 720/700 required, borrower has 57 months reserves with 3 required, and housing payment is decreasing by 61%, $XXX per month. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1746: Significant housing expense reduction - XXX Comments: Payment reduced by $1334.11/month or 61.15% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit Score 720 exceeds the minimum of 700 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Back $XXX, 57.73 months reserves, 3 months required CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 64 months reviewed for primary residence mtg, exceeds the required 12 months |
| 10110822 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | B | B | D | A | N/A | N/A | D | B | B | B | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation with either a CDA or UCDP CU score of <2.5 | 2-27-26 Client uploaded CDA. | 2-27-26 XXX reviewed CDA and updated data. Exception satisfied. | (No Data) | Not Applicable | CFCFS1746: Significant housing expense reduction - XXX Comments: Payment reduced by $1334.11/month or 61.15% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit Score 720 exceeds the minimum of 700 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Back $XXX, 57.73 months reserves, 3 months required CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 64 months reviewed for primary residence mtg, exceeds the required 12 months |
| 10110950 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves= $XXX, 132.78 months. 9 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 62.92%; guidelines allows 75%. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 718 is above the required 620. | |||||||||||||||
| 10026516 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - XXX Comments: 12 years living at primary residence. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 377 months of 0x30 consumer credit history per CBR. CFCFS1737: LTV below guideline requirements - XXX Comments: 80% LTV is below the 85% max. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 756 credit score is above the 700 min. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 11.39 months reserves are above the 0 required. | |||||||||||||||
| 10026520 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - XXX Comments: 3 years living at primary residence. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 0x30 consumer credit history since 4/2020 per CBR. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 715 FICO score is above the 660 min. CFCFS1737: LTV below guideline requirements - XXX Comments: 70% current LTV is below the 75% maximum allowed per guidelines. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 120.38 months of reserves are above the required 3 months. | |||||||||||||||
| 10026524 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 106.99 months reserves are above the required 0. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 739 FICO score above the required 660. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 2 years mortgage history is above the required 1. | |||||||||||||||
| 10110965 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | VOM from XXX Verifies only 6 months payments, obtain additional 6 months on previous loan which title work indicates is same lender. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 38.03 months or reserves are above the 3 required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 732 FICO score is above the 700 min. |
| 10026566 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 789 qualifying credit score per CBR. CFCFS1736: Significant time at current residence - XXX Comments: 24 years living at primary home. CFCFS1737: LTV below guideline requirements - XXX Comments: 70% LTV per review; 80% LTV is maximum allowed per guidelines. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 229 months of 0x30 consumer credit history per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 31.54 months of reserves in file. | |||||||||||||||
| 10110811 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Assets: $XXX, 11.42 months; 3 months required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 717 is 17 points above minimum program requirement of 700. CFCFS2860: Good credit history - XXX Comments: Borrower has 0x30 for 83 months. | |||||||||||||||
| 10110881 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | A | B | A | A | A | N/A | N/A | B | A | B | A | A | A | N/A | N/A | Credit | Credit/Mtg History | Satisfied | B | A | B | A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing evidence of borrower's primary residence located at XXX being owned by XXX free and clear of liens. | 2-23-26 Client emailed evidence that primary residence is not in borrower's name and lives rent free. | 2-24-26 XXX reviewed evidence of primary residence (Property report) which reflects property is not in borrower's name and a letter stating living rent free dated XXX Property report establishes that property is not in borrower's name therefore there is no mortgage to verify or need for property to be free and clear. Borrower is considered a first time investor as properties owned less than 12 months, however borrower meets guidelines for first time investor as DSCR is over 1 with FICO over 680. Borrower is not a first time homeowner as 3 other properties are owned. The fraud report with active MERS ties the borrower to XXX along with LLC Articles of Organization provided in trailing docs. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 14.98 months of reserves are above the required 0. CFCFS1737: LTV below guideline requirements - XXX Comments: 80% LTV is below the 85% max. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 758 FICO score is above the 660 min. |
| 10026593 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing 12 month payment history. Active Funding opened XXX and XXX opened XXX. Guidelines require a full 12 month payment history or evidence property was owned free and clear prior to XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 709 exceeds the minimum of 700 CFCFS5269: Minimal use of credit - XXX Comments: 13% revolving credit utilized CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Reserves $XXX, 155.87 months reserves, 3 months required |
| 10026593 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | Please provide Final HUD-1. HUD-1 in file has a disbursement date of XXX. Transaction date is XXX | 1-8-26 Client uploaded final HUD. | 1-8-26 XXX reviewed HUD and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 709 exceeds the minimum of 700 CFCFS5269: Minimal use of credit - XXX Comments: 13% revolving credit utilized CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Reserves $XXX, 155.87 months reserves, 3 months required |
| 10026593 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation per Guidelines a CDA or AVM is required due to appraisal being a transfer. | 1-8-26 Client uploaded AVM. | 1-8-26 XXX reviewed AVM and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 709 exceeds the minimum of 700 CFCFS5269: Minimal use of credit - XXX Comments: 13% revolving credit utilized CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Reserves $XXX, 155.87 months reserves, 3 months required |
| 10110928 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Satisfied | A | A | A | A | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Guidelines allow 4 HEM financed properties. Per file and system borrower will have 6. Provide Approved credit committee review. | 1-27-26 Client uploaded approved credit committee review for 6 HEM loans. | 1-27-26 XXX reviewed approved credit committee review which is acceptable. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 761 FICO score is above the 700 min. CFCFS5269: Minimal use of credit - XXX Comments: Borrower has minimal credit usage ratio of 5%. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 32.05 months of reserves are above the required 9. |
| 10110928 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | LTV/CLTV | Active | B | B | B | B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | 5% LTV exception as loan is considered a cash out due to the pay off of a PIK loan (Sec 1.4.1.2).Loan closed at 79.9989% and max is 75%. | 1-27-26 Client uploaded post close exception. | 1-27-26 Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 761 FICO score is above the 700 min. CFCFS5269: Minimal use of credit - XXX Comments: Borrower has minimal credit usage ratio of 5%. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 32.05 months of reserves are above the required 9. |
| 10110900 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS5269: Minimal use of credit - XXX Comments: 12% consumer credit utilization in file CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close assets are $XXX, 15.71 months, 3 months required. | |||||||||||||||
| 10026608 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 795 is above the required 660. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves= $XXX, 13.02 months. 0 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 80% is below the maximum allowable of 85%. | |||||||||||||||
| 10026615 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of777 is above the required 740 CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 41.18% is below the maximum allowable of 75% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves: $XXX or 21.67 months of PITIA. 6 months required. | |||||||||||||||
| 10026618 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 744 is 4 points above minimum program requirement of 740. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 56.529%; guidelines allow 80%. CFCFS2860: Good credit history - XXX Comments: Borrower has 0x30 for 81 months. CFCFS1736: Significant time at current residence - XXX Comments: 21 years living at primary residence. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 357 months of 0x30 consumer credit history per CBR. | |||||||||||||||
| 10110929 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves = $XXX, 90.91 months. 3 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 18.53% and maximum is 75% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score is 811 and minimum is 620 | |||||||||||||||
| 10110922 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 683 is above minimum program requirement of 620. CFCFS5269: Minimal use of credit - XXX Comments: Borrower only using 19% of available revolving credit. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 47.847%; guidelines allow 75%. | |||||||||||||||
| 10110839 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 68.03 is below guideline requirement max of 70. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified reserves of $XXX or 78.72 months PITI reserve exceeds required reserves of 3 months. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Representative score of 702 exceeds guideline requirement of 660. | |||||||||||||||
| 10110859 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3824: Borrower contributed an additional down payment - XXX Comments: Borrower contributed an additional 5% towards down payment above the required 15%. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 80%; guidelines allows 85%. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 701 is above the required 660. | |||||||||||||||
| 10110841 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS2860: Good credit history - XXX Comments: No late payments on credit report. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 814 FICO score is above the 700 min. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 140.40 months of reserves are above the required 3. | |||||||||||||||
| 10110834 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC150 | Income docs do not meet guidelines | No | Lease in file reflects tenant as XXX and wire transfers for rent are from XXX. Provide satisfactory evidence linking XXX to XXX. Lease and evidence of rent is a requirement due to subject property being borrowers previous primary residence (sec 1.8.2.4). | 2-6-26 Client replied: Uploaded PC exception for borrower being owner of leasing entity and proof borrower owns both co. | 2-10-26 XXX reviewed information reflecting the owner of XXX and XXX to be XXX. Post close exception appears to be incorrect. Client confirmed that exception was not accurate. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: 46.387% LTV is below the 65% max. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves = $XXX, 17.04 months. 6 months required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 677 FICO score is above the 660 min |
| 10110834 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing evidence that borrower is not part of the leasing entity XXX or XXX. Guidelines state: Lease agreements made to entities are acceptable - the borrower cannot be part of the entity. (Sec 1.8.2.1.1) | 2-6-26 Client replied: Uploaded PC exception for borrower being owner of leasing entity and proof borrower owns both co. | 2-10-26 XXX reviewed information reflecting the owner of XXX and XXX to be XXX. Post close exception appears to be incorrect. Client confirmed that exception was not accurate. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: 46.387% LTV is below the 65% max. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves = $XXX, 17.04 months. 6 months required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 677 FICO score is above the 660 min |
| 10110834 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide final settlement statement/HUD 1. | 2-3-26 Client uploaded final HUD | 2-04-26 XXX reviewed final HUD and updated data. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: 46.387% LTV is below the 65% max. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves = $XXX, 17.04 months. 6 months required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 677 FICO score is above the 660 min |
| 10110834 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR2300 | Missing Second Appraisal required per guidelines | No | Missing 2nd Appraisal and 1007 (from XXX) required for loan amount supporting a value of at least $XXX and Fair market rent of $XXX. Note: Same Appraisal sent 2 times. | 2-3-26 Client uploaded 2nd appraisal. | 2-4-26 XXX reviewed appraisal and updated data. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: 46.387% LTV is below the 65% max. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves = $XXX, 17.04 months. 6 months required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 677 FICO score is above the 660 min |
| 10110936 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Missing Approved credit committee review for borrower having more than 4 loans. 1008 indicates a 8 pack of loans and there is a letter in the file from borrower indicating 8 properties. | 2-18-26 Client replied: UPLOADED - Credit Committee Approval | 2-19-26 XXX reviewed credit committee review approval and updated max financed properties to 9 (8 HEM, 1 other). Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Representative score of 756 exceeds guideline requirement of 700. CFCFS5269: Minimal use of credit - XXX Comments: Borrowers credit usage ratio of 4% reflects a minimal use of credit. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified reserves of $XXX or 107.08 months PITI reserve exceeds required reserves of 3 months. |
| 10110936 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | Legal Documents | Active | B | B | B | B | CRDLGL4033 | Missing Legal Document(s) | No | Missing a copy of blanket loan note with XXX required per guidelines when subject property is encumbered by a blanket/cross collateralized loan, the transaction is considered cash out. Copy of the note will be required to verify the payoff/release terms. (sec 1.8.2.4)XXX deems non-material/non-fatal to lending decision as payoff in file indicates the payoff to release the subject property and compensating factors: 107.08 months cash reserves/3 required, credit score 756/700 minimum and minimal credit use at 4%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Representative score of 756 exceeds guideline requirement of 700. CFCFS5269: Minimal use of credit - XXX Comments: Borrowers credit usage ratio of 4% reflects a minimal use of credit. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified reserves of $XXX or 107.08 months PITI reserve exceeds required reserves of 3 months. |
| 10110958 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Missing Approved credit committee review for borrower having more than 4 loans. 1008 indicates a 8 pack of loans. | 2-19-26 Client replied: Please see the uploaded doc | 2-19-26 XXX reviewed approved credit committee review form reflecting 8 HEM loans. Changed Max number of financed properties to 9 (8 HEM and 1 other). Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 756 exceeds the minimum required 700. CFCFS5269: Minimal use of credit - XXX Comments: 4% Consumer credit utilization in file CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 107.06 months piti reserves. 3 required. |
| 10110958 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Legal Documents | Active | D | B | D | B | CRDLGL4033 | Missing Legal Document(s) | No | Missed exception: Missing a copy of blanket loan note with XXX required per guidelines when subject property is encumbered by a blanket/cross collateralized loan, the transaction is considered cash out. Copy of the note will be required to verify the payoff/release terms. (sec 1.8.2.4)XXX deems non-material/non-fatal to lending decision as payoff in file indicates the payoff to release the subject property and compensating factors: 107.06 months cash reserves/3 required, credit score 756/700 minimum and minimal credit use at 4%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 756 exceeds the minimum required 700. CFCFS5269: Minimal use of credit - XXX Comments: 4% Consumer credit utilization in file CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 107.06 months piti reserves. 3 required. |
| 10110947 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Missed exception: Missing Approved credit committee review for borrower having more than 4 loans. 1008 indicates a 8 pack of loans and there is a letter in the file from borrower indicating 8 properties. | 2-19-26 Client replied: please see the upl appr letter | 2-19-26 XXX reviewed approved credit committee review form reflecting 8 HEM loans. Changed Max number of financed properties to 9 (8 HEM and 1 other). Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 756 FICO score is above the 700 min. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 106.57 months of reserves are above the required 3. CFCFS5269: Minimal use of credit - XXX Comments: Minimal credit use at 4%. CFCFS2860: Good credit history - XXX Comments: No late payments on credit report. |
| 10110947 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | Legal Documents | Active | B | B | B | B | CRDLGL4033 | Missing Legal Document(s) | No | Missed exception: Missing a copy of blanket loan note with XXX required per guidelines when subject property is encumbered by a blanket/cross collateralized loan, the transaction is considered cash out. Copy of the note will be required to verify the payoff/release terms. (sec 1.8.2.4)XXX deems non-material/non-fatal to lending decision as payoff in file indicates the payoff to release the subject property and compensating factors: 106.57 months cash reserves/3 required, credit score 756/700 minimum and minimal credit use at 4%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 756 FICO score is above the 700 min. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 106.57 months of reserves are above the required 3. CFCFS5269: Minimal use of credit - XXX Comments: Minimal credit use at 4%. CFCFS2860: Good credit history - XXX Comments: No late payments on credit report. |
| 10110945 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Legal Documents | Active | B | B | B | B | CRDLGL4033 | Missing Legal Document(s) | No | Missing a copy of blanket loan note with XXX required per guidelines when subject property is encumbered by a blanket/cross collateralized loan, the transaction is considered cash out. Copy of the note will be required to verify the payoff/release terms. (sec 1.8.2.4)XXX deems non-material/non-fatal to lending decision as payoff in file indicates the payoff to release the subject property and compensating factors: 106.69 months cash reserves/3 required, credit score 756/700 minimum and minimal credit use at 4%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - XXX Comments: Borrower is utilizing 4% of the available revolving credit limit. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves = $XXX or 106.69 months. 3 months reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified credit score 756. Guideline minimum 700. |
| 10110916 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Active | B | B | B | B | CRDTER3262 | Property issues indicated | No | Subject property is zoned commercial/business however no commercial use of property is noted. Exception is on file. XXX considers this non material as appraisal verifies residential use is highest and best use, neighborhood is residential in nature, with both residential and retail businesses. Borrower also has reserves of 130 months, with 3 required, LTV is below required 75% at 57.3% and credit score is 737/700 minimum. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of737 is above the required 700 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves: $XXX or 130.28 months of PITIA. 3 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 57.3 is below the maximum allowable of 75 |
| 10110884 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - XXX Comments: 70.59% LTV is below guideline maximum of 80%. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has owned primary residence for 4 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 715 credit score exceeds guideline minimum of 600. | |||||||||||||||
| 10110893 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP130 | Application is incomplete | No | Application for both borrowers is missing the residency status. (XXX- XXX, XXX- XXX) | 2-10-26 Client uploaded 1003.2-12-26 Client uploaded 1003. | 2-11-26 XXX reviewed 1003s - XXX was checked XXX - XXX is still blank. Provide 1003 for XXX. Exception remains. 2-13-26 XXX reviewed 1003 which reflects Permanent resident. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 718 is above the required 660. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 80% is below the maximum allowable of 85%. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves = $XXX, 1.81 months. 0 months required. |
| 10110893 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Title | Satisfied | C | A | C | A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Mortgage reflects XXX and XXX, joint tenants and title does not reflect XXX as Proposed Insured. | 2-25-26: Client uploaded corrected Warranty Deed which puts XXX and XXX in title as joint tenants to the property. | 2-25-26: XXX reviewed corrected Warranty Deed which puts XXX and XXX in title as joint tenants to the property. Title and mortgage now match. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 718 is above the required 660. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 80% is below the maximum allowable of 85%. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves = $XXX, 1.81 months. 0 months required. |
| 10110878 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraised value | 3-3-26 Client uploaded field review. | 3-4-26 XXX reviewed the field review which supports the original appraisal. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score is 785 and minimum is 740 CFCFS5269: Minimal use of credit - XXX Comments: 0% consumer credit utilization in file CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 109.57 months piti reserves |
| 10110941 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 45.78%; guidelines allows 70%. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves= $XXX, 150.69 months. 3 months required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 696 is above the required 660. | |||||||||||||||
| 10110880 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing leases on all 3 units to finalize DSCR calculation. Lender used income of $6,395 and market rents were $7,900. | 2-10-26 Client uploaded leases. | 2-11-26 XXX reviewed leases and updated comments. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified reserves of $XXX or 34.58 months PITI reserve exceeds required reserves of 3 months. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Mortgage payment history of 29 months exceeds the required 12 months. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Representative score of 751 exceeds guideline requirement of 700. |
| 10110880 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Title | Satisfied | D | A | D | A | CRDTIL865 | Title incomplete | No | Missing full title report - missing schedule B and C. | XXX Client uploaded title. | 2-11-26 XXX reviewed title which includes schedule B & C. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified reserves of $XXX or 34.58 months PITI reserve exceeds required reserves of 3 months. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Mortgage payment history of 29 months exceeds the required 12 months. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Representative score of 751 exceeds guideline requirement of 700. |
| 10110886 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - XXX Comments: 4 years living at primary residence. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 174 months on 0x30 mortgage history per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 6.93 months of reserves in file. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 724 mid-score per CBR. | |||||||||||||||
| 10110842 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has owned primary residence for 5 years. CFCFS1737: LTV below guideline requirements - XXX Comments: 75% LTV is below guideline maximum of 95%. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close assets of $XXX, 26.68 months, 3 months required | |||||||||||||||
| 10110862 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified credit score 820. Guideline minimum 660. CFCFS1736: Significant time at current residence - XXX Comments: Borrowers have owned current residence 20 years. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves = $XXX, 13.29 months. No reserves are required. | |||||||||||||||
| 10110960 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP130 | Application is incomplete | No | Application does not reflect borrowers residency status. | 2-11-26 Client uploaded 1003. | 2-13-26 XXX reviewed 1003 reflecting US Citizen. Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history - XXX Comments: No late payments on credit report. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 31.04 months of reserves are above the required 3. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 709 FICO score is above the 700 min. |
| 10110953 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 68.966%; guidelines allow 80%. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 806 is 66 points above minimum program requirement of 740. CFCFS5269: Minimal use of credit - XXX Comments: Borrower only using 2% of available revolving credit. | |||||||||||||||
| 10110902 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves: $XXX or 120.95 months of PITIA. 3 months required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of737 is above the required 640 CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 57.14 is below the maximum allowable of 75 | |||||||||||||||
| 10110801 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR167 | Appraisal not Signed | No | The appraisal in the file is not signed by the appraiser Please provide a copy of the signed appraisal. | 2-19-26 Client replied: Signed Appraisal uploaded | 2-19-26 XXX reviewed appraisal which is signed. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves = $XXX, 136.37 months. 3 months reserves are required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 47.73% is below the guideline maximum of 70% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified credit score 761. guideline minimum 600. |
| 10110856 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1739: Positive mortgage payment history - XXX Comments: Borrowers have29 months mortgage payment history 0x30. CFCFS5269: Minimal use of credit - XXX Comments: Borrower only using 3% of available revolving credit. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 758 is 18 points above minimum program requirement of 740. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Assets: $XXX, 64.94 months; 0 months required. | |||||||||||||||
| 10110956 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missed exception: Missing third party valuation to support original appraised value.Per Guidelines (sec 1.9.1.1.4, page 73) All transferred appraisals require a secondary valuation: CDA within 10% of appraised value or an AVM that supports value with a satisfactory FSD score and confidence score. | XXX Client uploaded AVM. | 2-10-26 XXX reviewed AVM and updated data. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 4.71 months of reserves exceeds guideline requirements of 3 months. CFCFS1737: LTV below guideline requirements - XXX Comments: 73.90% LTV for Subject Property is below guideline max LTV of 75% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrowers Fico Score of 742 is above required guideline minimum Fico Score of 700. |
| 10110956 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations | FEMA | Active | B | B | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | No inspection since the FEMA Disaster #XXX XXX - Severe Winter Storm.XXX grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a nonmaterial B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 4.71 months of reserves exceeds guideline requirements of 3 months. CFCFS1737: LTV below guideline requirements - XXX Comments: 73.90% LTV for Subject Property is below guideline max LTV of 75% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrowers Fico Score of 742 is above required guideline minimum Fico Score of 700. |
| 10110948 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 42.7 months of reserves are above the required 6 months. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 790 FICO score is above the 740 min. CFCFS1737: LTV below guideline requirements - XXX Comments: 64.935% LTV is below the 70% max. | |||||||||||||||
| 10101113 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 141.26 months. 6 months required. CFCFS1736: Significant time at current residence - XXX Comments: In residence 28 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 789 exceeds guideline minimum of 640 for a DSCR purchase with a ratio < 1.0. | |||||||||||||||
| 10101497 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing Satisfactory signed Gift letter for $XXX Gift of Equity listed on final HUD per guidelines on page 61. Donor must be from a family member. | 3.11.26 please find an exception for gift of equity letter | 3.11..2026-Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Representative score of 736 exceeds guideline requirement of 700. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified reserves of $XXX or 41.37 months PITI reserve exceed required reserves of ($XXX x XXX = $XXX). CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 12.38 is below guideline requirement max of 50. |
| 10101000 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Assets | Active | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Require 12 months PITI Reserves $XXX. Borrower is a FTHB with no prior housing history. Verified reserves in the amount of $XXX. Short $XXX. XXX deems this non-material. Compensating factors: FICO 691, 5 years in the same profession, 18 years at current residence. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 691 exceeds 680 the minimum required per lender guidelines CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 29.48% is below 50.00% the maximum allowable per lender guidelines CFCFS2854: Significant time in profession - XXX Comments: Borrower has 5 years' time in the same profession |
| 10100935 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero tolerance fail for $XXX. Rate lock extension fee added to CD XXX for $XXX and increased to $XXX on CD's XXX and XXX. No documentation provide disclosing addition of fee. Please provide either documentation or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 12.5.25-Client provided COC issued XXX for increase in Rate Lock Ext fee on XXX CD. Provide COC for the addition of the rate lock fee on XXX 12.12.25-Client provided COCs, Satisfied. | 12.12.25-Satisfied. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 8 years CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 52.63%, max allowed by G/L is 80% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves required $XXX X XXX = $XXX Post close reserves $XXX or 47.14 months PITIA |
| 10100936 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | Missing Condo Master Hazard Policy; file contains a walls-in policy only (page 554) | 1.14.26 master policy uploaded1.21.26 exception satisfied | 1.21.26 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves required $XXX X XXX = $XXX. Post close reserves $XXX or 873.86 months PITIA CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO is 789, max allowed by G/L is 680 CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: The borrower has a 32 year credit history with 13 open and active tradelines 0X30 CFCFS1744: DTI below guideline requirement - XXX Comments: DTI is 12.32%, max allowed by G/L is 50% LTV |
| 10100936 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Property Valuations | Property | Satisfied | C | A | C | A | PRVAPROP177 | Property Issues Indicated | No | Missing HOA Condo Questionnaire | 1.7.26 HOA condo cert1.21.26 exception satisfied | 1.21.26 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves required $XXX X XXX = $XXX. Post close reserves $XXX or 873.86 months PITIA CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO is 789, max allowed by G/L is 680 CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: The borrower has a 32 year credit history with 13 open and active tradelines 0X30 CFCFS1744: DTI below guideline requirement - XXX Comments: DTI is 12.32%, max allowed by G/L is 50% LTV |
| 10007275 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: 6.4 years employed with XXX XXX XXXX by XXXX XXXX. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 723 qualifying credit score per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 8.83 months of reserves in file. | |||||||||||||||
| 10100937 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 26.5 years living at primary residence. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 80 is below guideline requirement max of 90. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Representative score of 756 exceeds guideline requirement of 660. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified reserves of $XXX or 17.45 months PITI reserve exceeds required reserves of ($XXX x XXX = $XXX). | |||||||||||||||
| 10100938 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 40.21% is above the minimum program requirements of 50% CFCFS1737: LTV below guideline requirements - XXX Comments: 64.89% LTV for Subject Property is below guideline max LTV of 80% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median Fico Score 732 > 72 points above guideline program minimum of 660. | |||||||||||||||
| 10100940 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance fail for $4125.00. Rate lock extension fee added to CD's. No documentation provided disclosing addition of fee. Please provide either documentation or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 12.30.25-Client provided COCs, Satisfied. | 12.30.25-Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 59.46%, max allowed by G/L is 85% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves required $XXX X XXX = $XXX. Post close reserves $XXXor 63.09 months PITIA CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO is 770, minimum required by G/L is 660 |
| 10100942 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide initial CD including proof of receipt. | 1.27.26-Client provided CD issued XXX, e-signed XXX. Satisfied. | 1.27.26-Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: 62.90% LTV per review; 80% LTV is maximum allowed per guidelines. CFCFS2860: Good credit history - XXX Comments: Good Credit History CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 122 Months Reserves CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 43+ Months reporting positive CFCFS1741: Credit score exceeds guidelines - XXX Comments: 722 mid-score per CBR. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 369 months of 0x30 consumer credit history per CBR. |
| 10100942 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide initial CD including proof of receipt. | 1.27.26-Client provided CD issued XXX, e-signed XXX. Satisfied. | 1.27.26-Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: 62.90% LTV per review; 80% LTV is maximum allowed per guidelines. CFCFS2860: Good credit history - XXX Comments: Good Credit History CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 122 Months Reserves CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 43+ Months reporting positive CFCFS1741: Credit score exceeds guidelines - XXX Comments: 722 mid-score per CBR. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 369 months of 0x30 consumer credit history per CBR. |
| 10100942 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Provide Initial CD , including proof of receipt. | 1.27.26-Client provided CD issued XXX, e-signed XXX. Satisfied. | 1.27.26-Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: 62.90% LTV per review; 80% LTV is maximum allowed per guidelines. CFCFS2860: Good credit history - XXX Comments: Good Credit History CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 122 Months Reserves CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 43+ Months reporting positive CFCFS1741: Credit score exceeds guidelines - XXX Comments: 722 mid-score per CBR. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 369 months of 0x30 consumer credit history per CBR. |
| 10100942 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | 11 Months Bank Statements provided. Missing XXX | 1.26.26 Okay with 11 months. Used a 12-month income calculation with 11 months statements | 1.27.26 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: 62.90% LTV per review; 80% LTV is maximum allowed per guidelines. CFCFS2860: Good credit history - XXX Comments: Good Credit History CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 122 Months Reserves CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 43+ Months reporting positive CFCFS1741: Credit score exceeds guidelines - XXX Comments: 722 mid-score per CBR. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 369 months of 0x30 consumer credit history per CBR. |
| 10100943 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3658 | TRID - Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance | No | Initial CD:XXX APR Stated as 6.738%, Final CD: XXX APR Stated as 6.985%, difference of 0.247%, exceeds the 0.125% tolerance. | 1.1.26-Client provided CD issued XXX, e-signed XXX. Provide proof of receipt of CD issued XXX.1.8.26-Client provided activity log screenshot reflecting CD issued XXX was Not delivered to borrower. CD XXX removed from testing. Satisfied. | 1.8.26-Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 78.22 is below guideline requirement max of 80. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Representative score of 757 exceeds guideline requirement of 660. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified reserves of $XXX or 15.11 months PITI reserve exceed required reserves of ($XXX x XXX = $XXX). CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 30.02 is below guideline requirement of 50. |
| 10100944 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Property | Satisfied | D | A | D | A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing Condo Questionnaire for the Subject Condo Project: Promenade at XXX Condo Asso. has not been uploaded by the Lender. | 1.12.2026 Client responded condo questionnaire.1.12.2026 Client sent the Condo Questionnaire. Exception satisfied | 1.12.2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 6 years and 1 months. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median Fico Score 697 > 37 points above guideline program minimum of 660. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 42.43% is above the minimum program requirements of 50% |
| 10101119 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH124 | Collections, Liens, etc. not paid as required by guidelines | No | XXX XXX Acct #XXX Balance of $XXX indicates last activity as XXX. Provide evidence this account is Current or Paid in Full | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 45 Months Reserves CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 114+ Months reporting CFCFS2860: Good credit history - XXX Comments: Good Credit History |
| 10101004 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance fail for $455.38. Discount point increased from $531.00 (0.125%) on LE XXX to $986.38 (0.25%) on final CD XXX. No documentation provided disclosing increase in fee. Please provide either documentation of increase or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 1.7.26-Client provided COC issued XXX. Satisfied. | 1.7.26-Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 78.36 months of reserves exceeds guideline requirements of 0 months. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 47.50% is above the minimum program requirements of 50% CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 9 years and 4 months. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median Fico Score 633 > 33 points above guideline program minimum of 600. |
| 10101004 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | Missing Acceptable Evidence of XXX Business has not been uploaded by the Lender for XXX | 1.12.2026-Client's response: XXXXXX docs please clear.1.12.2026-XXX's response: Received the Operating Agreement for XXX., exception satisfied. | 1.12.2026-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 78.36 months of reserves exceeds guideline requirements of 0 months. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 47.50% is above the minimum program requirements of 50% CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 9 years and 4 months. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median Fico Score 633 > 33 points above guideline program minimum of 600. |
| 10101005 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; XXX's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM Safe APOR, XXX status is QM Rebuttable APOR due to Benchmark Date XXX, loan has a test APR of 8.314%, the Benchmark Rate was 6.230%, Variance 2.084%, Maximum allowed is 1.5000% | 12.15.25 Client response; We accept the determination on this and please clear the exception.12.16.25 XXX memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon XXXs review. | 12.16.25 XXX memo; exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 641 exceeds 640 the minimum required per lender guidelines CFCFS2854: Significant time in profession - XXX Comments: Borrower is in the same profession for 40 years CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum required per lender guidelines |
| 10101005 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide Proof of Receipt for LE dated XXX | 12.16.25-Client provided LE issued XXX, e-signed XXX. Provide proof of receipt of initial CD issued XXXXXX evidence that the borrower received the CD disclosed on XXX provided. The screen shot shows that the CD package was delivered to the borrower on XXX. . Additionally the Audit log from XXX shows 2 events. Login and Per Package Consent. The log in shows the borrower accessed the system once they received notification there was a document for them to review, and the Per Package Consent is required to be completed prior to viewing the documents and is populated once the borrower agrees (actual text of the consent language is on page 2). | 12.24.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 641 exceeds 640 the minimum required per lender guidelines CFCFS2854: Significant time in profession - XXX Comments: Borrower is in the same profession for 40 years CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum required per lender guidelines |
| 10101005 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide Proof of Receipt for LE dated XXX | 12.16.25-Client provided LE issued XXX, e-signed XXX. Provide proof of receipt of initial CD issued XXX.XXX -XXX evidence that the borrower received the CD disclosed on XXX provided. The screen shot shows that the CD package was delivered to the borrower on XXX. . Additionally the Audit log from XXX shows 2 events. Login and Per Package Consent. The log in shows the borrower accessed the system once they received notification there was a document for them to review, and the Per Package Consent is required to be completed prior to viewing the documents and is populated once the borrower agrees (actual text of the consent language is on page 2). | 12.24.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 641 exceeds 640 the minimum required per lender guidelines CFCFS2854: Significant time in profession - XXX Comments: Borrower is in the same profession for 40 years CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum required per lender guidelines |
| 10101005 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Credit | Ability to Repay/Qualified Mortgage | Active | B | B | B | B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon XXX's review | No | Client agreed to QM rebuttable APOR status based upon XXX review. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 641 exceeds 640 the minimum required per lender guidelines CFCFS2854: Significant time in profession - XXX Comments: Borrower is in the same profession for 40 years CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum required per lender guidelines |
| 10101006 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $39.00. Appraisal fee increased from $885.00 on LE XXX to $924.00 on subsequent LE's and all CD's. No documentation provided disclosing increase in fee. Please provide either documentation or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 1.12.26-Client provided COC, satisfied. | 1.12.26-Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: 34.98% LTV for Subject Property is below guideline max LTV of 75% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median Fico Score 653 > 53 points above guideline program minimum of 600. |
| 10101006 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Missing XXX #XXX Bank Statements from XXX thru XXX have have not been uploaded by the Lender. | 1.15.2026-Client's response: XXXplease find the bank stmt for review.1.15.2026-XXX's response: Received the XXX Bank Statements for account #XXX, exception is satisfied. | 1.15.2026-Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: 34.98% LTV for Subject Property is below guideline max LTV of 75% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median Fico Score 653 > 53 points above guideline program minimum of 600. |
| 10101008 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | C | A | A | A | C | B | A | A | C | B | A | A | Property Valuations | Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported | No | Desk review provided =$XXX. -11% variance from Appraisal. If the value of the desk review is more than 10% below the appraised value of the property, XXX may choose to use the value of the desk review as the basis for making the loan. $XXX was used for qualification. 61.90 LTV% | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 61.90% is below guideline maximum of 70% for a Full Doc cash out refinance with a 624 credit score CFCFS1736: Significant time at current residence - XXX Comments: In residence 10 years. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 27.72 months. Reserves not required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 624 exceeds guideline minimum of 600 for a Full Doc cash out refinance at 61.90% LTV. |
| 10100947 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing income worksheet to verify expense ratio used. | 1.16.2026-Client's response: XXXincome worksheet1.16.2026-XXX's response: Received the Income Worksheet with the expense factor, exception is satisfied. | 1.16.2026-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 75.97 months. 6 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 36.36% is below guideline maximum of 80% for an Alt Doc cash out refinance with an 804 credit score. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 804 exceeds guideline minimum of 620 for an Alt Doc cash out refinance at 36.36% LTV. |
| 10100947 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance fail for $3000.00. Rate lock extension fee was added to all CD's. No documentation provided disclosing addition of fee. Please provide either documentation or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 1.12.26-Client provided COC, satisfied. | 1.12.26- satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 75.97 months. 6 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 36.36% is below guideline maximum of 80% for an Alt Doc cash out refinance with an 804 credit score. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 804 exceeds guideline minimum of 620 for an Alt Doc cash out refinance at 36.36% LTV. |
| 10100947 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing income worksheet to verify expense ratio used. | 1.16.2026-Client's response: XXXincome worksheet1.16.2026-XXX's response: Received the Income Worksheet with the expense factor, exception is satisfied. | 1.16.2026=Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 75.97 months. 6 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 36.36% is below guideline maximum of 80% for an Alt Doc cash out refinance with an 804 credit score. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 804 exceeds guideline minimum of 620 for an Alt Doc cash out refinance at 36.36% LTV. |
| 10100948 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing the income worksheet to verify the actual expense ratio used in income calculations | (No Data) | 12.12.2025 Exception cited in error | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 28 months mortgage payment history exceeds 12 months the minimum required per lender guidelines CFCFS2854: Significant time in profession - XXX Comments: Borrower is in the same profession for 19 years, 10 months CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 788 exceeds 680 the minimum required per lender guidelines CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 85.00% is below 90.00% the maximum allowable per lender guidelines CFCFS1739: Positive mortgage payment history - XXX Comments: 28 months positive mortgage payment history exceeds 12 months the minimum required per lender guidelines CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 24.63% is below 50.00% the maximum allowable per lender guidelines |
| 10101009 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 659 exceeds 640 the minimum required per lender guidelines CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum required per lender guidelines CFCFS1736: Significant time at current residence - XXX Comments: Borrower occupies the subject property as their primary residence for 15 years CFCFS2854: Significant time in profession - XXX Comments: Borrower is in the same profession for 15 years CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 39.50% is below 50.00% the maximum allowable per lender guidelines | |||||||||||||||
| 10100950 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | D | A | C | B | D | B | D | B | D | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero Tolerance Fail of $7,425 due to Discount Points fee added on LE XXX. Provide a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower (amount of $7345.60 due to tolerance cure in file of $79.40) with proof of delivery via tracking method within 60 days of consummation. | 1.13.26-Client provided COC, satisfied. | 1.13.26- satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been XXX employed for 10.5 years CFCFS1744: DTI below guideline requirement - XXX Comments: DTI is 21.72%, max allowed by G/L is 50% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves required $XXX X XXX = $XXX. Post close reserves $XXX or 29.33 months PITI |
| 10100950 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | D | A | C | B | D | B | D | B | D | A | C | B | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide 12 months canceled checks for the mortgage payments made to XXX. | 3.31.26 Acknowledged by client. | 3.31.26 waived. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been XXX employed for 10.5 years CFCFS1744: DTI below guideline requirement - XXX Comments: DTI is 21.72%, max allowed by G/L is 50% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves required $XXX X XXX = $XXX. Post close reserves $XXX or 29.33 months PITI |
| 10100950 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | D | A | C | B | D | B | D | B | D | A | C | B | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV is 80%. Max LTV for a 679 FICO is 75%. XXX deems this non-material. Compensating factors are 29.33 months reserves, XXX employed for over 10 years, 21.72% DTI | 3.31.26 Acknowledged by client. | 3.31.26 waived | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been XXX employed for 10.5 years CFCFS1744: DTI below guideline requirement - XXX Comments: DTI is 21.72%, max allowed by G/L is 50% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves required $XXX X XXX = $XXX. Post close reserves $XXX or 29.33 months PITI |
| 10100950 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | D | A | C | B | D | B | D | B | D | A | C | B | Credit | Title | Satisfied | D | A | D | A | CRDTIL865 | Title incomplete | No | File contains a Subordination Agreement. Provide the mortgage amount and the monthly payment from XXX | 1.21.2026- rcvd | 1.21.26 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been XXX employed for 10.5 years CFCFS1744: DTI below guideline requirement - XXX Comments: DTI is 21.72%, max allowed by G/L is 50% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves required $XXX X XXX = $XXX. Post close reserves $XXX or 29.33 months PITI |
| 10100950 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | D | A | C | B | D | B | D | B | D | A | C | B | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR100 | Missing Appraisal | No | Missing Original Appraisal | 1.21.2026-Client's response: XXX XXX XXX, 12:37:26 pmAppraisal provided, please clear finding.1.21.2026-XXX's response: Received the appraisal, exception is satisfied. | 1.21.2026-Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been XXX employed for 10.5 years CFCFS1744: DTI below guideline requirement - XXX Comments: DTI is 21.72%, max allowed by G/L is 50% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves required $XXX X XXX = $XXX. Post close reserves $XXX or 29.33 months PITI |
| 10100950 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | D | A | C | B | D | B | D | B | D | A | C | B | Property Valuations | FEMA | Satisfied | B | A | B | A | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Missing Original Appraisal | 1.21.2026-Client's response: XXX XXX XXX, 12:37:26 pmAppraisal provided, please clear finding.1.21.2026-XXX's response: Received the appraisal, exception is satisfied. | 1.21.2026-XXX's response: Received the appraisal, exception is satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been XXX employed for 10.5 years CFCFS1744: DTI below guideline requirement - XXX Comments: DTI is 21.72%, max allowed by G/L is 50% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves required $XXX X XXX = $XXX. Post close reserves $XXX or 29.33 months PITI |
| 10101501 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | XXX disclosed on application | 1.16.2026-Client's response: XXXXXX property was sold in XXX please clear.1.16.2026-XXX's response: Received the documentation showing the property sold in XXX, exception satisfied. | 1.16.2026-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 85.71 months. 3 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 69.18% is below guideline maximum of 80% for an Alt Doc rate/term refinance with a 742 credit score. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 742 exceeds guideline minimum of 620 for an Alt Doc rate/term refinance at 69.18% LTV. |
| 10101011 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the same employer for 8.8 years CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 20.36%, maximum allowed by guidelines is 80% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves, LTV 75% - None Required. Post close reserves $9682.70 or 3.75 months PITIA CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 72 months of 0x30 mortgage history per CBR. | |||||||||||||||
| 10101111 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Property Valuations | Property | Satisfied | D | A | D | A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing All Condo Documents including Condo Questionnaire, Master Policy | 12.19.2025-Client's response: XXXCopy of the HOA questionnaire along with an email from the HOA clarifying the only collections issues no active litigation. Please clear finding.12.19.2025-XXX's response: Received the HOA Certification and Master Policy, exception is satisfied. | 12.19.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 171+ Months reporting CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 35+ Months reporting positive CFCFS2860: Good credit history - XXX Comments: Good Credit History CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 63 Months Reserves |
| 10100951 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 99 months mortgage payment history exceeds 12 months the minimum required per lender guidelines CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 739 exceeds 660 the minimum required per lender guidelines CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 74.47% is below 85.00% the maximum allowable per lender guidelines CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 16.28% is below 50.00% the maximum allowable per lender guidelines | |||||||||||||||
| 10100952 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide proof of receipt for CD XXX. | 1.10.26-Client provided LE issued XXX. e-signed XXXClient provided Int. CD issued XXX, e-signed XXX. Satisfied. | 1.10.26- Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: Borrower2 has significant time at current job, 6 years and 9 months. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median Fico Score 741 > 84 points above guideline program minimum of 660. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 48.61% is above the minimum program requirements of 50% |
| 10100952 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide proof of receipt for LE XXX and CD XXX. | 1.10.26-Client provided LE issued XXX. e-signed XXX Client provided Int. CD issued XXX, e-signed XXX. Satisfied. | 1.10.26- Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: Borrower2 has significant time at current job, 6 years and 9 months. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median Fico Score 741 > 84 points above guideline program minimum of 660. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 48.61% is above the minimum program requirements of 50% |
| 10100952 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $4,633.96 due to Credit Report fee increase on LE XXX, and Lender Credit decreased on LE XXX & XXX. Provide a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower with proof of delivery via tracking method within 60 days of consummation. | 1.10.26-Client provided COCs , Satisfied. | 1.10.26- Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: Borrower2 has significant time at current job, 6 years and 9 months. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median Fico Score 741 > 84 points above guideline program minimum of 660. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 48.61% is above the minimum program requirements of 50% |
| 10101013 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; XXX's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM Safe APOR. XXX status is QM Rebuttable APOR due to Benchmark Date XXX Loan has a test APR 7.790% the Benchmark Rate was 6.230%; Variance 1.560%: Max allowed is 1.5000% | 1.12.2026-Client agrees. | 1.12.26 exception sattisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 714 exceeds 600 the minimum required per lender guidelines CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 52.76% is below 90.00% the maximum allowable per lender guidelines CFCFS2854: Significant time in profession - XXX Comments: B1 has 20 years' time in the same profession CFCFS1734: Borrower has significant time at current job - XXX Comments: B1 is XXX for 9 years,10 months |
| 10101013 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Credit | Ability to Repay/Qualified Mortgage | Active | B | B | B | B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon XXX's review | No | Client declared QM Safe APOR. XXX status is QM Rebuttable APOR due to Benchmark Date XXX Loan has a test APR 7.790% the Benchmark Rate was 6.230%; Variance 1.560%: Max allowed is 1.5000% | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 714 exceeds 600 the minimum required per lender guidelines CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 52.76% is below 90.00% the maximum allowable per lender guidelines CFCFS2854: Significant time in profession - XXX Comments: B1 has 20 years' time in the same profession CFCFS1734: Borrower has significant time at current job - XXX Comments: B1 is XXX for 9 years,10 months |
| 10101013 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide 12 months canceled checks for the rent that was paid to the private landlord. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 714 exceeds 600 the minimum required per lender guidelines CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 52.76% is below 90.00% the maximum allowable per lender guidelines CFCFS2854: Significant time in profession - XXX Comments: B1 has 20 years' time in the same profession CFCFS1734: Borrower has significant time at current job - XXX Comments: B1 is XXX for 9 years,10 months |
| 10100954 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations | Property | Satisfied | C | A | C | A | PRVAPROP177 | Property Issues Indicated | No | Property is a For sale by Owner. Missing Termite Inspection | 12.23.2025-Client's response: XXXCredit exception for the termite inspection, borrower has lived at the property for 2 years. Please clear finding.12.23.2025-Upon further review XXX deems this non-material. Compensating factors: borrower has lived in subject property for 2 years, FICO 759, 3 years at current employer. | 12.23.2025.-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves required $XXX X XXX = $XXX. Post close reserves $XXX or 9.12 months PITIA CFCFS1744: DTI below guideline requirement - XXX Comments: DTI is 18.41%,max allowed by G/L is 50% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO is 759, minimum required by G/L is 660 |
| 10100955 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 770 exceeds 660 the minimum required per lender guidelines CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 44.83% is below 50.00% the maximum allowable per lender guidelines CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum amount required per lender guidelines | |||||||||||||||
| 10100956 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Insufficient Funds to Close: Missing proof of liquidation or copy of outgoing wire from XXX sourcing funds to close | 12.22.25 The XXX Account XXX is a money market account, no liquidation needed, it was wired directly to Escrow. | 12.22.25 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been XXX for 10 years CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 80%, max allowed by G/L is 90% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves required $XXX X XXX = $XXX. Post close reserves $XXX or 80.75 months PITIA CFCFS1744: DTI below guideline requirement - XXX Comments: DTI is 21.56%, max allowed by G/L is 80% |
| 10100956 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST205 | Insufficient Funds to Close | No | Missing proof of liquidation from XXX souring liquid funds to close or copy of outgoing wire | 12.22.25 The XXX Account XXX is a money market account, no liquidation needed, it was wired directly to Escrow. | 12.22.25 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been XXX for 10 years CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 80%, max allowed by G/L is 90% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves required $XXX X XXX = $XXX. Post close reserves $XXX or 80.75 months PITIA CFCFS1744: DTI below guideline requirement - XXX Comments: DTI is 21.56%, max allowed by G/L is 80% |
| 10101017 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | C | A | C | B | D | B | D | A | C | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance fail for $40. Appraisal fee increased to $890 on CD's XXX and XXX. No documentation provided disclosing increase in fee. Please provide either documentation or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 1.5.26-Client provided COC, Satisfied. | 1.5.26-Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 34.6% max allowed by G/L is 90% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves LTV = 75% - None Required. Post close reserves $XXX or 8.83 months PITIA CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been XXX for 5 years |
| 10101017 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | C | A | C | B | D | B | D | A | C | A | C | B | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Missing bank statements from XXX #XXX for the months of XXX,XXX,XXX,XXX,XXX. | 1.5.2026-Client's response: XXXA copy of the bank statements for XXX, XXX, XXX and XXX account XXX provided. There is no bank statement for XXX Please clear finding.1.5.2026-XXX's response: Received the XXX bank statements for #XXX, exception is satisfied. | 1.5.2026-Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 34.6% max allowed by G/L is 90% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves LTV = 75% - None Required. Post close reserves $XXX or 8.83 months PITIA CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been XXX for 5 years |
| 10101017 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | C | A | C | B | D | B | D | A | C | A | C | B | Property Valuations | Property | Satisfied | C | A | C | A | PRVAPROP177 | Property Issues Indicated | No | Missing final building permit with Certificate of Occupancy | 1.5.2026-Client's response: XXXCopy of cert provided, please clear finding.1.5.2025-XXX's response: Received the COO, exception is satisfied. | 1.5.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 34.6% max allowed by G/L is 90% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves LTV = 75% - None Required. Post close reserves $XXX or 8.83 months PITIA CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been XXX for 5 years |
| 10100957 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 48.34% is above the minimum program requirements of 50% CFCFS1737: LTV below guideline requirements - XXX Comments: 80% LTV for Subject Property is below guideline max LTV of 85% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median Fico Score 725 > 65 points of minimum guideline requirements of 660. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 24.86 months of reserves exceeds guideline requirements of 6 months. | |||||||||||||||
| 10101020 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 70 is below guideline requirement max of 80. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified reserves of $XXX or 7.40 months PITI reserve exceed required reserves of $XXX. CFCFS1749: Additional documented income not used in qualifying - XXX Comments: Additional income of $3,808.70, representing a 32.48 month average of calculated bonus income not used in qualifying. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Representative score of 641 exceeds guideline requirement of 600. | |||||||||||||||
| 10100958 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide acceptable Evidence of 2 years of XXX for Both Borrowers for XXX such as Business License and/or CPA Letter. | 1.5.26 Secretary of XXX search provided.1.5.26 exception satisfied | 1.5.26 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 25.61 months of reserves exceeds guideline requirements of 6 months. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 36.18% is above the minimum program requirements of 50% CFCFS1737: LTV below guideline requirements - XXX Comments: 80% LTV for Subject Property is below guideline max LTV of 90% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median Fico Score 733 > 73 points above guideline program minimum of 660. |
| 10100959 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provided proof of receipt for initial CD issued XXX at least 3 business days prior to consummation. | 12.17.25-Client provided CD issued XXX, e-signed XXX. Satisfied. | 12.17.25- Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 47 months mortgage payment history exceeds 12 months the minimum required per lender guidelines CFCFS1736: Significant time at current residence - XXX Comments: Borrower resides at the subject property for 16 years, 3 months CFCFS2854: Significant time in profession - XXX Comments: Borrower is in the same profession for 19 years,9 months CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum required per lender guidelines |
| 10100959 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provided proof of receipt for initial CD issued XXX at least 3 business days prior to consummation. | 12.17.25-Client provided CD issued XXX, e-signed XXX. Satisfied. | 12.17.25-Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 47 months mortgage payment history exceeds 12 months the minimum required per lender guidelines CFCFS1736: Significant time at current residence - XXX Comments: Borrower resides at the subject property for 16 years, 3 months CFCFS2854: Significant time in profession - XXX Comments: Borrower is in the same profession for 19 years,9 months CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum required per lender guidelines |
| 10100960 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide confirmation of receipt for CD dated XXX | 2.19.25-Client provided CD issued XXX, e-signed XXX. Satisfied. | 12.19.25- Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves required $XXX X XXX = $XXX. Post close reserves $XXX or 152.73 months PITIA CFCFS1744: DTI below guideline requirement - XXX Comments: DTI is 18.61%, max allowed by G/L is 50% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO is 748, minimum required by G/L is 660 |
| 10100960 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide confirmation of receipt for CD dated XXX | 2.19.25-Client provided CD issued XXX, e-signed XXX. Satisfied. | 12.19.25- Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves required $XXX X XXX = $XXX. Post close reserves $XXX or 152.73 months PITIA CFCFS1744: DTI below guideline requirement - XXX Comments: DTI is 18.61%, max allowed by G/L is 50% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO is 748, minimum required by G/L is 660 |
| 10101022 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $882.50 due to Rate Lock Extension fee added on CD XXX ($441.25) and increased on CD XXX ($882.50). Provide a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower with proof of delivery via tracking method within 60 days of consummation. | 1.26.26-Client provided COC disclosed/entered XXX for Increase of rate lock ext. from $441.25 to $882.5.Provide the COC for the addition of this fee on XXX2.10.26-Client provided COC, Satisfied. | 2.10.26- Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 20.76 months of reserves exceeds guideline requirements of 0 months. CFCFS1737: LTV below guideline requirements - XXX Comments: 57.87% LTV for Subject Property is below guideline max LTV of 75% CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 41.28% is above the minimum program requirements of 50% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median Fico Score of 669 > 69 required guideline requirements of 600 |
| 10101022 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | Missing Verbal VOE for B1 within 10 days of closing. | 1.23.26 XXX voe for review.1.26.26 XXX VOE verified the borrower was terminated on XXX from XXX. Subject closed. XXX. Borrower was then hired XXX to XXX, XXX. No LOE / information / income documentation was provided for review for XXX, XXX. Please provide sufficient documentation from new employer to meet eligibility requirements. exception remains. 2.10.2026-Clients response: XXXplease see paystub...... pay rate of 64.90 = 11250 per month. previous income qualifed with $8900 so either case borrower qualifies for loan as new pay is more. voe was also already in file showing active please clear.2.10.2026-XXX's response: Received the VOE from XXX, XXX and current paystub that supports income. Exception is satisfied. | 1.26.26 exception remains. 2.10.2026-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 20.76 months of reserves exceeds guideline requirements of 0 months. CFCFS1737: LTV below guideline requirements - XXX Comments: 57.87% LTV for Subject Property is below guideline max LTV of 75% CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 41.28% is above the minimum program requirements of 50% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median Fico Score of 669 > 69 required guideline requirements of 600 |
| 10100961 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Right of Rescission | Active | B | B | B | B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | ROR form in file has date of transaction stuck thru and date corrected, midnight of date only contains initials. Provide completed ROR form with corrected date of XXX for midnight of date section of ROR including borrower initials. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - XXX Comments: 8.1 years employed with Conlon Development. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 172 months of 0x30 consumer credit history per CBR. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 765 qualifying credit score per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 31.21 months of reserves in file. CFCFS1737: LTV below guideline requirements - XXX Comments: 76.92% LTV per review; 80% LTV is maximum allowed per guidelines. |
| 10100961 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Right of Rescission | Satisfied | C | B | C | B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Provide PCCD with Corrected Closing Date/Disbursement Date (and closing cost/cash to close if applicable). Closing occurred on XXX per the notary, Funding on XXX. Earliest Expiration Date (midnight of date) is XXX .Borrower did not receive full 3 day rescission period. | 1.9.26-Client provided PCCD updating disbursement date & cost, Satisfied. | 1.9.26-Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - XXX Comments: 8.1 years employed with Conlon Development. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 172 months of 0x30 consumer credit history per CBR. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 765 qualifying credit score per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 31.21 months of reserves in file. CFCFS1737: LTV below guideline requirements - XXX Comments: 76.92% LTV per review; 80% LTV is maximum allowed per guidelines. |
| 10100961 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance fail for $200.00. Appraisal re-inspection fee added to CD XXX. No documentation provided disclosing addition of fee. Please provide either documentation or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. | 1.9.26-Client provided COC, Satisfied. | 1.9.26- Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - XXX Comments: 8.1 years employed with Conlon Development. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 172 months of 0x30 consumer credit history per CBR. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 765 qualifying credit score per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 31.21 months of reserves in file. CFCFS1737: LTV below guideline requirements - XXX Comments: 76.92% LTV per review; 80% LTV is maximum allowed per guidelines. |
| 10100963 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof of receipt of CD's issued XXX & CD issued XXX | 12.11.25-Client provided e-package tracking for CDs issued XXX reflecting receipt XXX. Satisfied. | 12.11.25- Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 22.73 months. 6 months required. CFCFS1734: Borrower has significant time at current job - XXX Comments: Per business license borrower has been in business since XXX CFCFS1736: Significant time at current residence - XXX Comments: In residence 6 years. |
| 10100963 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof of receipt of CD's issued XXX & CD issued XXX | 12.11.25-Client provided e-package tracking for CDs issued XXX reflecting receipt XXX. Satisfied. | 12.11.25-. Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 22.73 months. 6 months required. CFCFS1734: Borrower has significant time at current job - XXX Comments: Per business license borrower has been in business since XXX. CFCFS1736: Significant time at current residence - XXX Comments: In residence 6 years. |
| 10101033 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD issued and confirmed 3 days prior to consummation date of XXX. | 1.4.25-Client provided CD issued XXX, e-signed XXX. Satisfied. | 1.4.25-Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: 12.5 years living at primary residence. CFCFS2854: Significant time in profession - XXX Comments: B1 has 30 years in the Construction/Builder profession. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 724 qualifying credit score per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 42.33 months of reserves in file. 6 months reserves required per guidelines. |
| 10101033 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD issued and confirmed 3 days prior to consummation date of XXX. | 1.4.25-Client provided CD issued XXX, e-signed XXX. Satisfied. | 1.4.25-Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: 12.5 years living at primary residence. CFCFS2854: Significant time in profession - XXX Comments: B1 has 30 years in the Construction/Builder profession. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 724 qualifying credit score per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 42.33 months of reserves in file. 6 months reserves required per guidelines. |
| 10101033 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Credit | LTV/CLTV | Active | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Max LTV for rural 75%. Loan to value is 80%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: 12.5 years living at primary residence. CFCFS2854: Significant time in profession - XXX Comments: B1 has 30 years in the Construction/Builder profession. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 724 qualifying credit score per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 42.33 months of reserves in file. 6 months reserves required per guidelines. |
| 10101108 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 61.28 months. 6 months required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 817 exceeds guideline minimum of 640 for a DSCR with a ratio < 1.0. CFCFS2860: Good credit history - XXX Comments: Borrower has not been 1X30 with consumer debt since XXX | |||||||||||||||
| 10101034 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; XXX's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM Safe Harbor APOR; XXX status is Non-QM: Lender documented all ATR UW factors dues to total charges of 3.561% exceeds fees test Threshold. | 12.22.25 Client response; We accept the determination on this and please clear the exception.12.26.25 XXX memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon XXXs review. | 12.26.25 XXX memo; exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 22.18% is below guideline maximum of 75% for an Alt Doc cash out refinance with a 643 credit score. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 6.39 months. Reserves not required. CFCFS2854: Significant time in profession - XXX Comments: In profession 20 years. |
| 10101034 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide confirmation of receipt for LE XXX Also, please provide initial CD issued and confirmed 3 days prior to confirmation. | 12.23.25-Client provided initial CD issued XXX, e-signed XXX. Satisfied. | 12.23.25- Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 22.18% is below guideline maximum of 75% for an Alt Doc cash out refinance with a 643 credit score. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 6.39 months. Reserves not required. CFCFS2854: Significant time in profession - XXX Comments: In profession 20 years. |
| 10101034 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide confirmation of receipt for LE XXX. Also, please provide initial CD issued and confirmed 3 days prior to confirmation. | 12.23.25-Client provided screen shot of doc package sent. Provide e-sign summary reflecting Loan Estimate either Reviewed or Signed. (see email sent.)1.2.26-Re-review per client email, reply sent of docs needed. Provide proof of receipt for LE issued XXX.1.5.26-Re-review per client email, reply sent.1.5.26-Client provided e-sign process Summary for LE issued XXX reflecting log-in on XXX providing access to documents sent (received). Satisfied | 1.5.26-Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 22.18% is below guideline maximum of 75% for an Alt Doc cash out refinance with a 643 credit score. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 6.39 months. Reserves not required. CFCFS2854: Significant time in profession - XXX Comments: In profession 20 years. |
| 10101034 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | Credit | Ability to Repay/Qualified Mortgage | Active | B | B | B | B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon XXX's review | No | Client agreed to Non-QM status based upon XXX review as fees exceeded 3% | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 22.18% is below guideline maximum of 75% for an Alt Doc cash out refinance with a 643 credit score. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 6.39 months. Reserves not required. CFCFS2854: Significant time in profession - XXX Comments: In profession 20 years. |
| 10101034 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | XXX Bank payment $681.00 not accounted for at origination. | 12.22.25 Excluded due to proof of 6 months paid by different individual and this is a joint account.12.26.25 exception satisfied | 12.26.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 22.18% is below guideline maximum of 75% for an Alt Doc cash out refinance with a 643 credit score. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 6.39 months. Reserves not required. CFCFS2854: Significant time in profession - XXX Comments: In profession 20 years. |
| 10101034 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | Credit | DTI | Satisfied | C | A | C | A | CRDDTI187 | Debt Ratio > 50% | No | XXX Bank payment $681.00 not accounted for at origination. | 12.22.25 Excluded due to proof of 6 months paid by different individual and this is a joint account.12.26.25 exception satisfied | .12.26.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 22.18% is below guideline maximum of 75% for an Alt Doc cash out refinance with a 643 credit score. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 6.39 months. Reserves not required. CFCFS2854: Significant time in profession - XXX Comments: In profession 20 years. |
| 10101099 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 174 months credit history exceeds guidelines. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 71+ months reserves exceeds guidelines. CFCFS2860: Good credit history - XXX Comments: Guarantor demonstrates good credit history. | |||||||||||||||
| 10100966 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - XXX Comments: Good Credit History CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 58+ Months reporting CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 7 Months Reserves | |||||||||||||||
| 10100967 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide initial CD with proof of receipt at least 3 business days prior to closing. | 1.7.26-Client provided CD issued XXX, e-signed XXX. Satisfied. | 1.7.26- Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 32.50 months. 6 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 64.12% is below guideline maximum of 80% for an Alt Doc cash out refinance with a 735 credit score. CFCFS1734: Borrower has significant time at current job - XXX Comments: Per state registry borrower has been in business since XXX |
| 10100967 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance fail of $XXX due to discount points added on LE XXX , increased on XXX. Provide COCs for these increase OR Post -Close CD, LOX, Copy of tolerance check & proof of delivery within 60 days of consummation. | 1.7.26-Client provided COC issued XXX for undisclosed discount point decrease from $XXX to value on LE XXX of $XXX . In file LE issued XXX is first instance of discount points-amount of $5131.00. This then INCREASED on LE XXX to the amount of $XXX. Provide supporting COCs for the initial addition on LE XXX& increase on LE XXX OR PCCD, LOX, Copy of tolerance check & proof of delivery within 60 days of consummation.1.8.26-Client provided COC issued XXX for addition of Discount points in the amount of $5131.00 on XXX LE. Satisfied for addition of discount.Client prior provided COC issued XXX for a discount point decrease from $XXX(this amount is Not on Any LE or CD in file) to amount of $XXX on LE XXX. Provide the LE that disclosed discount points totaling $XXX per the COC issued XXX for decrease From that amount or explanation to why COC shows a amount not disclosed in file. 1.15.26-Client provided COC, Satisfied. | 1.15.26-Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 32.50 months. 6 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 64.12% is below guideline maximum of 80% for an Alt Doc cash out refinance with a 735 credit score. CFCFS1734: Borrower has significant time at current job - XXX Comments: Per state registry borrower has been in business since XXX |
| 10100967 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Lease payment for XXX $452.00 not included in debts. Lease payments cannot be removed. | 1.6.26 The XXX lease is being paid by the business, see bank statements in file.1.13.26 exception satisfied | 1.13.26 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 32.50 months. 6 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 64.12% is below guideline maximum of 80% for an Alt Doc cash out refinance with a 735 credit score. CFCFS1734: Borrower has significant time at current job - XXX Comments: Per state registry borrower has been in business since XXX |
| 10100967 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Credit | DTI | Satisfied | C | A | C | A | CRDDTI187 | Debt Ratio > 50% | No | Lease payment for XXX $452.00 not included in debts. Lease payments cannot be removed. | 1.6.26 The XXX lease is being paid by the business, see bank statements in file. 1.13.26 exception satisfied | 1.13.26 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 32.50 months. 6 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 64.12% is below guideline maximum of 80% for an Alt Doc cash out refinance with a 735 credit score. CFCFS1734: Borrower has significant time at current job - XXX Comments: Per state registry borrower has been in business since XXX |
| 10100968 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 742 exceeds 660 the minimum required per lender guidelines CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 80.00% is below 9.0.00% the maximum allowable per lender guidelines CFCFS2854: Significant time in profession - XXX Comments: Borrower is in the same profession for 13 years CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum required per lender guidelines CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 46.60% is below 50.00% the maximum allowable per lender guidelines | |||||||||||||||
| 10101038 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance fail for $10937.50. Origination fee and discount points were added on LE XXX through final CD XXX. No documentation provided disclosing addition of fees. Please provide either documentation or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 1.5.26-Client provided COC, Satisfied. | 1.5.26- Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 28.22 months. Reserves not required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 41.18% is below guideline maximum of 80%. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 32.18% is below guideline maximum of 55%. |
| 10101038 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Credit | Assets | Satisfied | C | A | C | A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing 2 months statements for XXX#XXX used to qualify. | 1.5.2026-Client's response: XXX2 months bank stmts.1.5.2026-XXX's response: Received the September and October XXX bank statements for account XXX, exception is satisfied. | 1.5.2026-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 28.22 months. Reserves not required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 41.18% is below guideline maximum of 80%. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 32.18% is below guideline maximum of 55%. |
| 10101039 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof of receipt of CD issued XXX. | 1.12.26--Client provided e-sign process Summary for CD issued XXX reflecting log-in on XXX providing access to documents sent (received).Satisfied. | 1.12.26--Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 22.70 months of reserves exceeds guideline requirements of 0 months. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 49.60% is above the minimum program requirements of 55% CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Median Fico Score 650 > 50 points above guideline program minimum of 600. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 29 years and 11 months. |
| 10101039 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof of receipt of CD issued XXX | 1.12.26--Client provided e-sign process Summary for CD issued XXX reflecting log-in on XXX providing access to documents sent (received).Satisfied. | 1.12.26--.Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 22.70 months of reserves exceeds guideline requirements of 0 months. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 49.60% is above the minimum program requirements of 55% CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Median Fico Score 650 > 50 points above guideline program minimum of 600. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 29 years and 11 months. |
| 10101039 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide Lender Income Worksheets with expense factors for XXX and XXX. and missing XXX Bank XXX XXX/XXX. | 1.12.2026 Client responded -please find the income worksheet and august was not sent so not used.1.12.2026 Client provided the Income worksheet verifying a 50% expense factor. Exception satisfied | 1.12.2026 Exception Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 22.70 months of reserves exceeds guideline requirements of 0 months. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 49.60% is above the minimum program requirements of 55% CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Median Fico Score 650 > 50 points above guideline program minimum of 600. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 29 years and 11 months. |
| 10100970 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; XXX's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM Safe Harbor APOR; XXX status is Non-QM: Lender documented all ATR UW factors dues to total charges of 4.446% exceeds fees test Threshold. | 12.22.25 Client response; We accept the determination on this and please clear the exception.12.22.25 XXX memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon XXXs review. | 12.22.25 XXX memo; exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 23.06 months of reserves exceeds guideline requirements of 6 months. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 4 years and 9 months. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 15.07% is above the minimum program requirements of 50% |
| 10100970 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Credit | Ability to Repay/Qualified Mortgage | Active | B | B | B | B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon XXX's review | No | Client agrees to Non-QM status based upon XXX review | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 23.06 months of reserves exceeds guideline requirements of 6 months. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 4 years and 9 months. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 15.07% is above the minimum program requirements of 50% |
| 10101510 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS2860: Good credit history - XXX Comments: Good Credit History CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 227+ Months Reporting CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 27+ Months Reporting | |||||||||||||||
| 10100972 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 70%, max allowed by G/L is 80% CFCFS1744: DTI below guideline requirement - XXX Comments: DTI is 33.12%, max allowed by G/L is 50% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO is 717, minimum required by G/L is 660 | |||||||||||||||
| 10100973 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $677.25 due to Lender Credit decrease on final LE XXX and CD XXX. Provide a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower with proof of delivery via tracking method within 60 days of consummation. | 1.7.26-Client provided COCs, Satisfied. | 1.7.26-Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 13.93 months of reserves exceeds guideline requirements of 6 months. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 46.31% is above the minimum program requirements of 50% CFCFS1737: LTV below guideline requirements - XXX Comments: 40% LTV for Subject Property is below guideline max LTV of 85% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median Fico Score of 733 > 73 required guideline requirements of 660% CFCFS1736: Significant time at current residence - XXX Comments: 29 years living at primary residence. |
| 10101041 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; XXX's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM Safe APOR, XXX status is QM Rebuttable APOR due to Benchmark Date XXX loan has a test APR 8.071%, the Benchmark Rate was 6.260%; Variance 1.811%; max allowed is 1.5000%. | 12.22.25 Client response; We accept the determination on this and please clear the exception.12.23.25 XXX memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon XXXs review. | 12.23.25 XXX memo; exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - XXX Comments: Borrower is in the same profession for 18 years CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 85.00% is below 90.00% the maximum allowable as per lender guidelines CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 707 exceeds 680 the minimum required per lender guidelines CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum required per lender guidelines CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 53 months mortgage payment history exceeds 12 months the minimum required per lender guidelines |
| 10101041 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide Proof of Receipt for initial CD dated XXX | 12.23.25-Client provided CD issued XXX, e-signed XXX Satisfied. | 12.23.25- Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - XXX Comments: Borrower is in the same profession for 18 years CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 85.00% is below 90.00% the maximum allowable as per lender guidelines CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 707 exceeds 680 the minimum required per lender guidelines CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum required per lender guidelines CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 53 months mortgage payment history exceeds 12 months the minimum required per lender guidelines |
| 10101041 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide Proof of Receipt for initial CD dated XXX | 12.23.25-Client provided CD issued XXX, e-signed XXX Satisfied. | 12.23.25-Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - XXX Comments: Borrower is in the same profession for 18 years CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 85.00% is below 90.00% the maximum allowable as per lender guidelines CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 707 exceeds 680 the minimum required per lender guidelines CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum required per lender guidelines CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 53 months mortgage payment history exceeds 12 months the minimum required per lender guidelines |
| 10101041 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Credit | Ability to Repay/Qualified Mortgage | Active | B | B | B | B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon XXX's review | No | Client agreed to QM rebuttable APOR status based upon XXX review. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS2854: Significant time in profession - XXX Comments: Borrower is in the same profession for 18 years CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 85.00% is below 90.00% the maximum allowable as per lender guidelines CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 707 exceeds 680 the minimum required per lender guidelines CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum required per lender guidelines CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 53 months mortgage payment history exceeds 12 months the minimum required per lender guidelines |
| 10101512 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 46.11% is above the minimum program requirements of 50% CFCFS1737: LTV below guideline requirements - XXX Comments: 64.15% LTV for Subject Property is below guideline max LTV of 80% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median Fico Score 715 > 95 points above guideline program minimum of 620. | |||||||||||||||
| 10100974 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide evidence that borrower acknowledged receipt of CD XXX 3 days prior to consummation date of XXX. | 1.8.26-Client provided CD issued XXX e-signed XXX. Satisfied. | 1.8.26- Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 28 months Mortgage payment history exceeds 12 months the minimum required per lender guidelines CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 702 exceeds 680 the minimum required per lender guidelines CFCFS2854: Significant time in profession - XXX Comments: Borrower is in the same profession for 10 years CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 26.65% is below 50.00% the maximum allowable per lender guidelines |
| 10100974 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of CD XXX 3 days prior to consummation date of XXX. | 1.8.26-Client provided CD issued XXX, e-signed XXX. Satisfied. | 1.8.26-Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 28 months Mortgage payment history exceeds 12 months the minimum required per lender guidelines CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 702 exceeds 680 the minimum required per lender guidelines CFCFS2854: Significant time in profession - XXX Comments: Borrower is in the same profession for 10 years CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 26.65% is below 50.00% the maximum allowable per lender guidelines |
| 10100974 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | Credit | Assets | Waived | C | B | C | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Short PITI reserves in the amount of $XXX. Verified $XXX. Required $XXX. XXX deems exception nonmaterial = grade 2/B. FICO 702; DTI 26.65l 0 mtg lates, same profession 10+ years. | 3.31.26 Acknowledged by client. | 3.31.26 waived | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 28 months Mortgage payment history exceeds 12 months the minimum required per lender guidelines CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 702 exceeds 680 the minimum required per lender guidelines CFCFS2854: Significant time in profession - XXX Comments: Borrower is in the same profession for 10 years CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 26.65% is below 50.00% the maximum allowable per lender guidelines |
| 10101043 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median Fico Score of 635 > 35 required guideline requirements of 600 CFCFS1737: LTV below guideline requirements - XXX Comments: 36.36% LTV for Subject Property is below guideline max LTV of 65% CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 29.34% is above the minimum program requirements of 50% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 78.24 months of reserves exceeds guideline requirements of 0 months. | |||||||||||||||
| 10100975 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Right of Rescission | Active | B | B | B | B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | ROR received XXX (executed). Provide correctly dated ROR including borrower initials for changes for "date of transaction & Midnight of date." to reflect as XXX & XXX respectively. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: 51.47% LTV for Subject Property is below guideline max LTV of 85% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median Fico Score of 778 > 118 required guideline requirements of 660 CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 34.55% is above the minimum program requirements of 50% |
| 10100975 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance of $2100.00 due to Lender credit decreased with no coc on LE issued XXX Provide COC reflecting valid reason for the fee changes or PCCD with cure, copy of cure check, LOE to Borrower and Evidence of delivery via tracking information within 60 days of consummation. | 1.26.26-Client provided COC disclosed 12/23 for lender credit increase from $XXX to $XXX. Provide COC for Lender credit -Decrease- From $XXX on LE XXX to $XXX on LE XXX1.27.26-Client provided COC, Satisfied. | 1.27.26- Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: 51.47% LTV for Subject Property is below guideline max LTV of 85% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median Fico Score of 778 > 118 required guideline requirements of 660 CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 34.55% is above the minimum program requirements of 50% |
| 10100976 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing lender bank calculation worksheet. | 1.19.2026-Client's response: XXXIncome worksheet provided, please clear finding.1.19.2026-XXX's response: Received the Income Worksheet, exception is satisfied. | 1.19.2026-Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 795 mid-score per CBR. CFCFS1736: Significant time at current residence - XXX Comments: In residence 8 years. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 31.90 months. 6 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 58.33% is below guideline maximum of 85% for an Alt Doc rate/term refinance with a 795 credit score. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 239 months of 0x30 consumer credit history per CBR. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 94 months of 0x30 mortgage history per CBR. |
| 10100976 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Compliance | Right of Rescission | Satisfied | C | B | C | B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR disbursement date of XXX is before the end of rescission period of XXX. | 1.14.26-Client provided PCCD , Satisfied. | 1.14.26-Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 795 mid-score per CBR. CFCFS1736: Significant time at current residence - XXX Comments: In residence 8 years. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 31.90 months. 6 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 58.33% is below guideline maximum of 85% for an Alt Doc rate/term refinance with a 795 credit score. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 239 months of 0x30 consumer credit history per CBR. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 94 months of 0x30 mortgage history per CBR. |
| 10100976 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing lender bank calculation worksheet. Missing the expense ratio used to calculate income. | 1.19.2026-Client's response: XXXIncome worksheet provided, please clear finding.1.19.2026-XXX's response: Received the Income Worksheet, exception is satisfied. | 1.19.2026-Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 795 mid-score per CBR. CFCFS1736: Significant time at current residence - XXX Comments: In residence 8 years. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 31.90 months. 6 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 58.33% is below guideline maximum of 85% for an Alt Doc rate/term refinance with a 795 credit score. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 239 months of 0x30 consumer credit history per CBR. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 94 months of 0x30 mortgage history per CBR. |
| 10101047 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero tolerance fail for $325.00. Appraisal reinspection fee added to final CD. No documentation provided disclosing addition of fee. Please provide either documentation or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 1.14.26-Client provided COC, Satisfied. | 1.14.26-Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been XXX employed for 5 years CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves required $XXX X 3 = $XXX. Post close reserves $XXX or 33.26 months PITIA CFCFS1741: Credit score exceeds guidelines - XXX Comments: 721 mid-score per CBR. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 37 months of 0x30 mortgage payment history per CBR. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI is 16.78%, max allowed by G/L is 50% |
| 10101047 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Title | Satisfied | D | A | D | A | CRDTIL796 | Missing Title | No | Missing Title report | 1.19.2026 The client responded - Prelim provided, please clear finding.1.19.2026 The client provided the Preliminary title. Exception satisfied. | 1.19.2026 Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been XXX employed for 5 years CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves required $XXX X 3 = $XXX. Post close reserves $XXX or 33.26 months PITIA CFCFS1741: Credit score exceeds guidelines - XXX Comments: 721 mid-score per CBR. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 37 months of 0x30 mortgage payment history per CBR. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI is 16.78%, max allowed by G/L is 50% |
| 10100981 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Title | Satisfied | D | A | D | A | CRDTIL796 | Missing Title | No | Missing evidence of Title in file. | 12.19.25 prelim for review12.19.25 exception satisfied | 12.19.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 784 mid-score per CBR. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 137 months of 0x30 consumer credit history per CBR. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 52 months of 0x30 rental history per VOR in file. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 24.37 months of reserves in file. 6 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: 80% LTV per review; 90% LTV is maximum allowed per guidelines. |
| 10100981 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations | Property | Satisfied | D | A | D | A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing required Condo Questionnaire in file for subject condo property. | 12.19.25 condo cert for reviewXXX HOA cert determined findings related to safety, soundness and and structural integrity and habitability. HOA cert states see enclosed report. *No report was provided for review Exception remains*1.5.2025-Client's response:XXXplease find the inspection report.1.5.2025-XXX's response: Received the inspection report; Unit XXX has no issues per the report; exception is satisfied. | 12.21.25 Exception remains. 1.5.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 784 mid-score per CBR. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 137 months of 0x30 consumer credit history per CBR. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 52 months of 0x30 rental history per VOR in file. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 24.37 months of reserves in file. 6 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: 80% LTV per review; 90% LTV is maximum allowed per guidelines. |
| 10101049 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD, with proof of receipt. | 1.8.25-Client provided CD issued XXX, e-signed XXX. Satisfied. | 1.8.25- Satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history - XXX Comments: Good Credit History CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 208+ Months reporting CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 82+ Months reporting CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 14 Months Reserves |
| 10101049 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD, with proof of receipt. | 1.8.25-Client provided CD issued XXX, e-signed XXX. Satisfied. | 1.8.25-Satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history - XXX Comments: Good Credit History CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 208+ Months reporting CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 82+ Months reporting CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 14 Months Reserves |
| 10101049 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Please provide initial CD, with proof of receipt. Additional conditions may apply. | 1.8.25-Client provided CD issued XXX, e-signed XXX. Zero tolerance fail for $1335.00 Due to lender credit decrease on XXX. Provide COC for decrease in lender credit on CD XXX OR Provide tolerance cure (not including $615.00 in file for cure) of $1335.00, PCCD. LOX, Copy of tolerance check with proof of delivery within 60 days of consummation.1.16.26-Client provided COC, Satisfied. | 1.16.26- Satisfied. | Numeric | Not Applicable | CFCFS2860: Good credit history - XXX Comments: Good Credit History CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 208+ Months reporting CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 82+ Months reporting CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 14 Months Reserves |
| 10101049 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Please provide initial CD, with proof of receipt. | 1.8.25-Client provided CD issued XXX, e-signed XXX. Satisfied. | 1.8.25- Satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history - XXX Comments: Good Credit History CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 208+ Months reporting CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 82+ Months reporting CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 14 Months Reserves |
| 10100983 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | C | A | D | A | D | A | A | A | C | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC806 | Notary Status is missing | No | Missing executed Notary page | 1.15.26-Client provided Notarized , executed mortgage. Satisfied. | 1.15.26- Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the same employer for 9.4 years CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves required $XXX X XXX = $XXX. Post close reserves $XXX or 60.93 months PITIA CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO is 740, minimum required by G/L is 660 |
| 10100983 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | C | A | D | A | D | A | A | A | C | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC869 | Mortgage not signed | No | Missing executed Mortgage page | 1.15.26-Client provided Notarized , executed mortgage. Satisfied. | 1.15.26- Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the same employer for 9.4 years CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves required $XXX X XXX = $XXX. Post close reserves $XXX or 60.93 months PITIA CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO is 740, minimum required by G/L is 660 |
| 10100983 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | C | A | D | A | D | A | A | A | C | A | D | A | Property Valuations | Property | Satisfied | C | A | C | A | PRVAPROP177 | Property Issues Indicated | No | Missing Condo Questionnaire | 1.14.26 condo cert for review.1.21.26 exception satisfied | 1.21.26 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the same employer for 9.4 years CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves required $XXX X XXX = $XXX. Post close reserves $XXX or 60.93 months PITIA CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO is 740, minimum required by G/L is 660 |
| 10100984 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Assets | Active | B | B | B | B | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Loan transaction is a Rate/Term Refinance which limits the amount of cash back to $5,000. Borrower received $XXX in cash back. XXX deems this non-material. Compensating factors: 8 years at current residence, 17 years in the same profession, 21 months in reserves. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 21.11 months. 6 months required. CFCFS1736: Significant time at current residence - XXX Comments: In residence 8 years. CFCFS1734: Borrower has significant time at current job - XXX Comments: Per VOE borrower has been on job since XXX |
| 10100986 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | Missing Verbal Verification of employment for both borrowers | 1.14.26 voes for reviews1.21.26 exception satisfied | 1.21.26 exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - XXX Comments: Borrower 1 is in the same profession for 20 years CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum required per lender guidelines CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 39.05% is below 50.00% the maximum allowable per lender guidelines |
| 10100986 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | LTV/CLTV | Active | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 85.00% exceeds 80.00% the maximum allowable for XXX, Purchase, Loan amount $XXX Full Doc with credit score of 661 | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - XXX Comments: Borrower 1 is in the same profession for 20 years CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum required per lender guidelines CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 39.05% is below 50.00% the maximum allowable per lender guidelines |
| 10101109 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX or 42.14 months. 6 months required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 787 exceeds guideline minimum of 640 for a DSCR with a ratio < 1.00. CFCFS2860: Good credit history - XXX Comments: Borrower has never been 1X30 with history from XXX. | |||||||||||||||
| 10101516 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 1.19.2026-Client's response: XXXFSS provided, please clear finding.1.19.2026-XXX's response: Received the Final HUD1, exception satisfied. | 1.19.2026-Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Representative score of 800 exceeds guideline requirement of 620. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified reserves of $XXX or 46.01 months PITI reserve exceeds required reserves of ($XXX x XXX = $XXX). CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 16.17 is below guideline requirement max of 50. |
| 10101517 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Missing Complete W-2's with proof of year on forms. Unable to determine years of income. | 1.19.2026-Client's response: XXXA copy of the W2s for 2023 and 2024 provided. Please clear finding.1.19.2026-XXX's response: Received the 2023 and 2024 W-2's, exception is satisfied. | 1.19.2026-Exception satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 138 months of 0x30 consumer credit history per CBR. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 33.51% is above the minimum program requirements of 50% CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 20 years and 9 months. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median Fico Score of 799 > 170 required guideline requirements of 620 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 107.38 months of reserves exceeds guideline requirements of 3 months. CFCFS1737: LTV below guideline requirements - XXX Comments: 75% LTV for Subject Property is below guideline max LTV of 80% |
| 10101093 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Property Valuations | Property | Satisfied | D | A | D | A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing HOA Certificate/Questionnaire | 1.13.26 Condo questionnaire provided, please clear finding.1.13.26 exception satisfied | 1.13.26 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 57.33 months. 6 months required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 817 exceeds guideline minimum of 640 for a DSCR with a ratio < 1.00 CFCFS2860: Good credit history - XXX Comments: Borrower has never been 1X30 with history from XXX |
| 10100991 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide proof of receipt for CD dated XXX | 1.14.26-Client provided CD issued XXX, e-signed XXX Satisfied. | 1.14.26- Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - XXX Comments: Borrower is in the same profession for 13 years, 9 months CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 20 months mortgage payment history exceeds 12 months the minimum required per lender guidelines CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 773 exceeds 660 the minimum required per lender guidelines CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 72.19% is below 80.00% the maximum allowable per lender guidelines CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum required per lender guidelines CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 31.01% is below 50.00% the maximum allowable per lender guidelines |
| 10100991 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide proof of receipt for CD dated XXX | 1.14.26-Client provided CD issued XXX, e-signed XXX. Satisfied. | 1.14.26- Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - XXX Comments: Borrower is in the same profession for 13 years, 9 months CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 20 months mortgage payment history exceeds 12 months the minimum required per lender guidelines CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 773 exceeds 660 the minimum required per lender guidelines CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 72.19% is below 80.00% the maximum allowable per lender guidelines CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum required per lender guidelines CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 31.01% is below 50.00% the maximum allowable per lender guidelines |
| 10100991 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $250 due to a second appraisal fee of $225 increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 1.14.26-Client provided COC, satisfied. | 1.14.26- satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - XXX Comments: Borrower is in the same profession for 13 years, 9 months CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 20 months mortgage payment history exceeds 12 months the minimum required per lender guidelines CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 773 exceeds 660 the minimum required per lender guidelines CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 72.19% is below 80.00% the maximum allowable per lender guidelines CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $XXX the minimum required per lender guidelines CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 31.01% is below 50.00% the maximum allowable per lender guidelines |
| 10101060 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 16.44 months of reserves exceeds guideline requirements of 6 months. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 17.25% is above the minimum program requirements of 50% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median Fico Score 741 > 141 points above guideline program minimum of 600. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 10 years and 3 months. | |||||||||||||||
| 10100992 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Assets | Active | C | B | C | B | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing 2 consecutive months statements for XXX & XXX. XXX - XXX statements were provided. Missing XXX statement. XXX deems non material grade 2/B as sufficient chain of assets were documented. | 1.21.26 sept-nov stmts were provided. Missing October statement. | 1.021.26 exception deemed non material grade 2/B. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 32.78 months. 6 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 36.41% is below guideline maximum of 85% for an Alt Doc Rate/Term refinance with a 783 credit score CFCFS1734: Borrower has significant time at current job - XXX Comments: Per CPA letter borrower has been in business since XXX. CFCFS1736: Significant time at current residence - XXX Comments: 15 years living at primary residence. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 357 months of 0x30 consumer credit history per CBR. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 783 mid-score per CBR. |
| 10101520 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been with the same employer for 18 years CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 60%, max allowed by G/L is 80% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO is 735, minimum required by G/L is 620 | |||||||||||||||
| 10101103 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Property | Satisfied | D | A | D | A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Provide the HOA Certificate/Questionnaire. | 1.19.2026-Client's response: January 14th 2026, 9:24:28 amHOA certification provided, please clear finding.1.19.2026-XXX's response: Received the HOA Certification, exception is satisfied. | 1.19.2026-Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 3 years and 6 months. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median Fico Score of 710 > 90 required guideline requirements of 620 CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 228 months of 0x30 consumer credit history per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 59.38 months of reserves exceeds guideline requirements of 9 months. |
| 10101062 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide confirmation of receipt for CD's XXX and XXX. | 1.21.26-Client provided CDs issued XXX & XXX, each e-signed on the date issued. Satisfied. | 1.21.26-Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 29.54%, max allowed by G/L is 65% CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 26.4 years CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been XXX for 22.9 years CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves, LTV = 75% - None Required. Post close reserves $XXX or 50.47 months PITIA |
| 10101062 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide confirmation of receipt for CD's XXX and XXX | 1.21.26-Client provided CDs issued XXX & XXX, each e-signed on the date issued. Satisfied. | 1.21.26- Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 29.54%, max allowed by G/L is 65% CFCFS1736: Significant time at current residence - XXX Comments: The borrower has occupied the subject property for 26.4 years CFCFS1734: Borrower has significant time at current job - XXX Comments: The borrower has been XXX for 22.9 years CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves, LTV = 75% - None Required. Post close reserves $XXX or 50.47 months PITIA |
| 10100993 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH124 | Collections, Liens, etc. not paid as required by guidelines | No | Missing proof $303.00 collection account with XXX XXX has been paid | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - XXX Comments: Borrower is in the same profession for 11 years, 5 months CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 777 exceeds 720 the minimum required per lender guidelines CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 25 months mortgage payment history exceeds 12 months the minimum required per lender guidelines CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 7.73% is below 50.00% the maximum allowable per lender guidelines CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified cash reserves in the amount of $XXX exceeds $248,949.12 the minimum amount required per lender guidelines |
| 10101063 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 8 Months Reserves CFCFS1736: Significant time at current residence - XXX Comments: 18 years 7 months at Current Residence CFCFS2854: Significant time in profession - XXX Comments: 9+ Years in current profession | |||||||||||||||
| 10100994 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 51.90 months of reserves exceeds guideline requirements of 6 months. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 40.73% is above the minimum program requirements of 50% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median Fico Score of 766 > 106 required guideline requirements of 660 CFCFS1737: LTV below guideline requirements - XXX Comments: 50.01% LTV for Subject Property is below guideline max LTV of 80% | |||||||||||||||
| 10100996 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing Evidence of Receipt for $XXX HELOC Withdrawal | 1.19.26 Funds sent in the amount of $XXX as stated on wire.1.21.26 exception satisfied | 1.21.26 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 32+ Months reporting CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 203+ Months reporting positive CFCFS2860: Good credit history - XXX Comments: Good Credit History |
| 10100996 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations | Property | Satisfied | D | A | D | A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing Condo Documents / Condo Questionnaire | 1.15.26 Condo questionnaire provided, please clear finding.1.21.26 exception satisfied | 1.21.26 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 32+ Months reporting CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 203+ Months reporting positive CFCFS2860: Good credit history - XXX Comments: Good Credit History |
| 10101067 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 31.51% is below 55.00% the maximum allowable per lender guidelines CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 99 months mortgage payment history exceeds 12 months the minimum required per lender guidelines CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 103 months of 0x30 consumer credit history per CBR. CFCFS1737: LTV below guideline requirements - XXX Comments: 55.76% LTV per review; 80% LTV is maximum allowed per guidelines. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 779 credit score exceeds 620 the minimum required per lender guidelines | |||||||||||||||
| 10101068 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; XXX's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM: Safe Harbor (APOR), XXX status is QM Rebuttable Presumption APOR due to Benchmark Date 12/18/25, loan has a test APR 8.465, the Benchmark Rate was 6.27%; Variance 2.195; max allowed is 1.5000% | 1.21.26 Client response; We accept the determination on this and please clear the exception.1.21.26 XXX memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon XXXs review. | 1.21.26 XXX memo; exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - XXX Comments: The borrower has been in the same line of work for 14.4 years CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves required $XXX X XXX = $XXX. Post close reserves $XXX or 30.28 months PITIA CFCFS1744: DTI below guideline requirement - XXX Comments: DTI is 20.21%, max allowed by G/L is 50% |
| 10101068 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Credit | Ability to Repay/Qualified Mortgage | Active | B | B | B | B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon XXX's review | No | Client agreed to QM rebuttable APOR status based upon XXXs review. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS2854: Significant time in profession - XXX Comments: The borrower has been in the same line of work for 14.4 years CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves required $XXX X XXX = $XXX. Post close reserves $XXX or 30.28 months PITIA CFCFS1744: DTI below guideline requirement - XXX Comments: DTI is 20.21%, max allowed by G/L is 50% |
| 10101524 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 75 is below guideline requirement max of 80. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Representative score of 742 exceeds guideline requirement of 620. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 10.71 is below guideline requirement max of 50. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified reserves of $XXX or 53.14 months PITI reserve exceeds required reserves of ($XXX x XXX = $XXX). | |||||||||||||||
| 10161141 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Missing Initial Closing Disclosure delivered to borrower(s) 3 business days prior to consummation. | (No Data) | Initial CD provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: The borrowers qualifying credit score is 804 and above the guide requirement. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: The borrower has 235 months reserves after closing. |
| 10161141 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Missing Initial Closing Disclosure delivered to borrower(s) 3 business days prior to consummation. | (No Data) | Initial CD provided | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: The borrowers qualifying credit score is 804 and above the guide requirement. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: The borrower has 235 months reserves after closing. |
| 10161141 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial Closing Disclosure delivered to borrower(s) 3 business days prior to consummation. | (No Data) | Initial CD provided | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: The borrowers qualifying credit score is 804 and above the guide requirement. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: The borrower has 235 months reserves after closing. |
| 10162228 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | The HOA statement or attestation that there is no HOA for investment property XXX., is missing from the loan file. | Received lender lox. No HOA for XXX Property is a XXX | Satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - XXX Comments: Borrower has positive mortgage payment history reported on credit report 0X30/ 0X60/ 0X90. CFCFS5269: Minimal use of credit - XXX Comments: Borrower has low credit utilization of 4.44%. |
| 10217431 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Guidelines specify reserves required for 3 months ($XXX). Total reserves verified in the amount of $XXX(818 months) CFCFS1741: Credit score exceeds guidelines - XXX Comments: Guidelines require min score of 700. Mid fico score 730. | |||||||||||||||
| 10217433 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1744: DTI below guideline requirement - XXX Comments: DTI is more than 5 points below maximum DTI requirements. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 1,205 months reserves exceeds minimum reserve requirement by more than 6 months | |||||||||||||||
| 10110981 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | A | C | B | N/A | N/A | D | B | D | A | C | B | N/A | N/A | Credit | Title | Satisfied | D | A | D | A | CRDTIL865 | Title incomplete | No | Please provide complete Title, only Schedule A was provided. | 12-8-25 Client uploaded title. | 12-9-25 XXX reviewed title and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 760 is 20 points above minimum program requirement of 740. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Assets $XXX, 54.30 months; 3 months required. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrowers have0x30x93 months mortgage payment history exceeding guideline requirement of 1x30x12. |
| 10110981 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | A | C | B | N/A | N/A | D | B | D | A | C | B | N/A | N/A | Property Valuations | Appraisal | Waived | C | B | C | B | PRVAAPPR4789 | Appraisal Deficiency | No | Missing photos and comparable map for Short Term Rental Comparables provided. | 12-8-25 Client replied: please refer to pages 21-22 of the appraisal pkg- for the comparable photos and pages 32-34 for the comparable map. 12-10-25 Client uploaded exception. 01/27/2026 - Acknowledged by client. | 12-9-25 XXX reviewed file - pages 21-22 from the appraisal package are the sales comparables. File is missing the Short Term rental comparable photos and map. Exception remains. 12-10-25 XXX reviewed exception and discussed with management.XXX deems non-material/non-fatal to lending decision due to compensating factors: 54.30 months cash reserves/3 required, Credit score of 760/740 minimum, and mortgage history of 93 months/12 required. Non-material exception remains. 01/27/2026 - Non-material exception remains | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 760 is 20 points above minimum program requirement of 740. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Assets $XXX, 54.30 months; 3 months required. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrowers have0x30x93 months mortgage payment history exceeding guideline requirement of 1x30x12. |
| 10110892 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has owned current residence 9 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Verified credit score 715. Guideline minimum 700 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves = $XXX, 5.6 months. No reserves are required. | |||||||||||||||
| 9694017 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | Legal Documents | Waived | B | B | B | B | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | Loan File is Missing or Contains Insufficient Documentation for Basic Review | (No Data) | The file includes an exception approval dated XXX for the loan amount of XXX | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 70 months reserves |
| 9694017 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER4631 | Loan parameters do not meet guidelines | No | The guidelines indicate under the bank statement program, XXX occurrences are allowed within the last 12 months, XXX occurrence is defined as the account having a negative daily balance for more than 24 hours and to avoid being treated as a XXX there should be no fee associated with resolving an overdraft. In this case, there were 5 XXX (XXX, XXX, XXX, XXX & XXX) occurrences. These did not result in a negative daily balance as the checks were returned but did result in an overdraft charge for each. An LOE was not in the file. | Received lox regarding XXX and negative daily balances. | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 70 months reserves |
| 10217407 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST205 | Insufficient Funds to Close | No | Borrower is short $XXX for closing. The final 1003 shows a XXX account #XXX with a balance that would be sufficient to cover the shortage to close. | Received XXX acct #XXX supporting assets | Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Guidelines require min score of 720. Mid fico score 752. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 80%. Max allowed LTV is 85%. |
| 10217407 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | 3 months reserves required. Borrower has no verified assets to cover reserves after closing. The final 1003 shows a XXX account #XXX which was not documented in the file. The balance for this account on the 1003 would be sufficient to cover the reserve requirement. | Received XXX acct #XXX supporting assets | Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Guidelines require min score of 720. Mid fico score 752. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 80%. Max allowed LTV is 85%. |
| 10217407 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | DTI | Waived | C | B | C | B | CRDDTI187 | Debt Ratio > 50% | No | Debt Ratio > 50% | Received exception request and approval. | Waived | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Guidelines require min score of 720. Mid fico score 752. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 80%. Max allowed LTV is 85%. |
| 10217407 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC150 | Income docs do not meet guidelines | No | The borrower is moving from XXX to XXX. A letter indicate how this move will effect the continuation of the business income used for qualifying was not in the file. | CPA letter provided to cure. | Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Guidelines require min score of 720. Mid fico score 752. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 80%. Max allowed LTV is 85%. |
| 10217407 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Income/Employment | Waived | D | B | D | B | CRDINC3204 | Income Documentation Missing | No | Evidence the dependent social security benefit received for XXX will have a 3 year continuation was not in the file. | Received exception request and approval. | Waived | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Guidelines require min score of 720. Mid fico score 752. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 80%. Max allowed LTV is 85%. |
| 10217407 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL4763 | Missing Extension Agreement | No | Missing purchase contract. | Document provided to cure. | Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Guidelines require min score of 720. Mid fico score 752. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 80%. Max allowed LTV is 85%. |
| 10210134 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Positive mortgage payment history - XXX Comments: Borrower has positive mortgage payment history reported on credit report 0X30/ 0X60/ 0X90. CFCFS1744: DTI below guideline requirement - XXX Comments: 30.32% DTI is low. | |||||||||||||||
| Client Name: | |||||||||||||||||||
| Client Project Name: | MSRM 2026-NQM7 | ||||||||||||||||||
| Start - End Dates: | 10/23/2025 - 4/07/2026 | ||||||||||||||||||
| Deal Loan Count: | 132 | ||||||||||||||||||
| Conditions Report 2.0 | |||||||||||||||||||
| Loans in Report: | 132 | ||||||||||||||||||
| Loans with Conditions: | 78 | ||||||||||||||||||
| Loan Number | Lender Application Date | Broker Application Date | Initial Securitization Overall Loan Grade | Final Securitization Overall Loan Grade | Initial Securitization Credit Loan Grade | Final Securitization Credit Loan Grade | Initial Securitization Property Valuations Loan Grade | Final Securitization Property Valuations Loan Grade | Initial Securitization Compliance Loan Grade | Final Securitization Compliance Loan Grade | Initial S&P Overall Loan Grade | Final S&P Overall Loan Grade | Initial S&P Credit Loan Grade | Final S&P Credit Loan Grade | Initial S&P Property Valuations Loan Grade | Final S&P Property Valuations Loan Grade | Initial S&P Compliance Loan Grade | Final S&P Compliance Loan Grade | Did Lender Acknowledge Exception at Origination |
| 10110817 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10110822 | XXXXXX | XXXXXX | D | B | B | B | D | A | N/A | N/A | D | B | B | B | D | A | N/A | N/A | Not Applicable |
| 10110950 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10026516 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10026520 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10026524 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10110965 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 10026566 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10110811 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10110881 | XXXXXX | XXXXXX | B | A | B | A | A | A | N/A | N/A | B | A | B | A | A | A | N/A | N/A | Not Applicable |
| 10026593 | XXXXXX | XXXXXX | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Not Applicable |
| 10110928 | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 10110900 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10026608 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 10026615 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10026618 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10110929 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10110922 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10110839 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 10110859 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10110841 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10110834 | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Not Applicable |
| 10110936 | XXXXXX | XXXXXX | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | No |
| 10110958 | XXXXXX | XXXXXX | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Not Applicable |
| 10110947 | XXXXXX | XXXXXX | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Not Applicable |
| 10110945 | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 10110916 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 10110884 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10110893 | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 10110878 | XXXXXX | XXXXXX | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Not Applicable |
| 10110941 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10110880 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 10110886 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10110842 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10110862 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10110960 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| 10110953 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10110902 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10110801 | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| 10110856 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10110956 | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | No |
| 10110948 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10101113 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10101497 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 10101000 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 10100935 | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No |
| 10100936 | XXXXXX | XXXXXX | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Not Applicable |
| 10007275 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10100937 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10100938 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10100940 | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No |
| 10100942 | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| 10100943 | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No |
| 10100944 | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No |
| 10101119 | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | No |
| 10101004 | XXXXXX | XXXXXX | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | No |
| 10101005 | XXXXXX | XXXXXX | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Not Applicable |
| 10101006 | XXXXXX | XXXXXX | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | No |
| 10101008 | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | B | A | A | C | B | A | A | Not Applicable |
| 10100947 | XXXXXX | XXXXXX | D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Not Applicable |
| 10100948 | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 10101009 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10100950 | XXXXXX | XXXXXX | D | B | D | B | D | A | C | B | D | B | D | B | D | A | C | B | No |
| 10101501 | XXXXXX | XXXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Not Applicable |
| 10101011 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10101111 | XXXXXX | XXXXXX | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | No |
| 10100951 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10100952 | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No |
| 10101013 | XXXXXX | XXXXXX | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Not Applicable |
| 10100954 | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | No |
| 10100955 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10100956 | XXXXXX | XXXXXX | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | No |
| 10101017 | XXXXXX | XXXXXX | D | B | D | A | C | A | C | B | D | B | D | A | C | A | C | B | No |
| 10100957 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10101020 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10100958 | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| 10100959 | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 10100960 | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No |
| 10101022 | XXXXXX | XXXXXX | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Not Applicable |
| 10100961 | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 10100963 | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 10101033 | XXXXXX | XXXXXX | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Not Applicable |
| 10101108 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10101034 | XXXXXX | XXXXXX | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | Not Applicable |
| 10101099 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 10100966 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10100967 | XXXXXX | XXXXXX | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Not Applicable |
| 10100968 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10101038 | XXXXXX | XXXXXX | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Not Applicable |
| 10101039 | XXXXXX | XXXXXX | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | No |
| 10100970 | XXXXXX | XXXXXX | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | No |
| 10101510 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 10100972 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10100973 | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 10101041 | XXXXXX | XXXXXX | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Not Applicable |
| 10101512 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10100974 | XXXXXX | XXXXXX | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | Not Applicable |
| 10101043 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10100975 | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No |
| 10100976 | XXXXXX | XXXXXX | D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Not Applicable |
| 10101047 | XXXXXX | XXXXXX | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Not Applicable |
| 10100981 | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Not Applicable |
| 10101049 | XXXXXX | XXXXXX | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | No |
| 10100983 | XXXXXX | XXXXXX | D | A | A | A | C | A | D | A | D | A | A | A | C | A | D | A | No |
| 10100984 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 10100986 | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 10101109 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10101516 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 10101517 | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 10101093 | XXXXXX | XXXXXX | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Not Applicable |
| 10100991 | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 10101060 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10100992 | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 10101520 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10101103 | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| 10101062 | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No |
| 10100993 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 10101063 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10100994 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10100996 | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | No |
| 10101067 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 10101068 | XXXXXX | XXXXXX | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | No |
| 10101524 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 10161141 | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | No |
| 10162228 | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 10217431 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 10217433 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 10110981 | XXXXXX | XXXXXX | D | B | D | A | C | B | N/A | N/A | D | B | D | A | C | B | N/A | N/A | No |
| 10110892 | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9694017 | XXXXXX | XXXXXX | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Not Applicable |
| 10217407 | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | No |
| 10210134 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |