MORGAN STANLEY CAPITAL I INC. ABS-15G
Exhibit 99.5 - Schedule 6
| Loan Number | Seller Loan Number | Originator | Last Name | Note Date | Original Balance | State | TPR QM ATR Status | Loan Status | Exception Date | Remediation Status | Exception ID | Exception Type | Exception Category | Exceptions | Exception Rebuttal | Exception Rebuttal Date | Exception Rebuttal Response | Exception Rebuttal Response Date | Compensating Factors | Initial Overall Loan Grade | Final Overall Loan Grade | Initial Exception Grade | Final Exception Grade | Initial Credit Grade | Final Credit Grade | Initial Property Valuation Grade | Final Property Valuation Grade | Initial Compliance Grade | Final Compliance Grade | Initial Overall Grade (DBRS/Morningstar) | Initial Credit Grade (DBRS/Morningstar) | Initial Property Valuation Grade (DBRS/Morningstar) | Initial Compliance Grade (DBRS/Morningstar) | Initial Overall Grade (Fitch) | Initial Credit Grade (Fitch) | Initial Property Valuation Grade (Fitch) | Initial Compliance Grade (Fitch) | Initial Overall Grade (Kroll) | Initial Credit Grade (Kroll) | Initial Property Valuation Grade (Kroll) | Initial Compliance Grade (Kroll) | Initial Overall Grade (Moodys) | Initial Credit Grade (Moodys) | Initial Property Valuation Grade (Moodys) | Initial Compliance Grade (Moodys) | Initial Overall Grade (S&P) | Initial Credit Grade (S&P) | Initial Property Valuation Grade (S&P) | Initial Compliance Grade (S&P) | Final Overall Grade (DBRS/Morningstar) | Final Credit Grade (DBRS/Morningstar) | Final Property Grade (DBRS/Morningstar) | Final Compliance Grade (DBRS/Morningstar) | Final Overall Grade (Fitch) | Final Credit Grade (Fitch) | Final Property Grade (Fitch) | Final Compliance Grade (Fitch) | Final Overall Grade (Kroll) | Final Credit Grade (Kroll) | Final Property Grade (Kroll) | Final Compliance Grade (Kroll) | Final Overall Grade (Moodys) | Final Credit Grade (Moodys) | Final Property Grade (Moodys) | Final Compliance Grade (Moodys) | Final Overall Grade (S&P) | Final Credit Grade (S&P) | Final Property Grade (S&P) | Final Compliance Grade (S&P) |
| 10084700 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 02/18/2026 | Resolved | 11306634372 | Credit | Insufficient Assets to Close | XXX verified assets < XXX minimum required liquidity for closing costs and reserves. We're currently using the XXX #XXX retirement account are XXX% of the balance. Please provide additional assets. | XX/XX/XXXX: Client confirmed XXX% of funds can be used | 02/27/2026 | XX/XX/XXXX: Client confirmed XXX% of funds can be used | 02/27/2026 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 10084700 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 02/18/2026 | Resolved | 11306658996 | Credit | Non-Arms Length Transaction | Seller's mortgage payment history reflects missed/late payments beginning in XXX through XXX Please provide an LOE from the seller and/or additional supporting documentation to support this not being a bailout. | XX/XX/XXXX: The sellers’ liens has late payment but is NOT bailout. The prelim confirms no NOD’s have been filed he payment history shows the payments are LATE, and paid. At funding, the demand confirms the sellers’ payments were current, with no late fees, only XXX was due for the in-suspense balance. see attached. | 02/27/2026 | XX/XX/XXXX: Seller's Payoff Statement shows all late charges have been paid and UW supports that sale is not a bailout. | 02/27/2026 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 10085010 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 02/26/2026 | Resolved | 11379669822 | Credit | Closing Disclosure/Settlement Statement Missing or Defective | Missing Settlement Statement | XX/XX/XXXX: Uploaded Settlement Statement | 02/27/2026 | XX/XX/XXXX: Received Settlement Statement | 02/27/2026 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 10179363 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/02/2026 | Resolved | XXXXX-1 | Credit | No Findings | The loan meets all applicable guidelines. | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 10179303 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/03/2026 | Resolved | XXXXX-1 | Credit | No Findings | The loan meets all applicable guidelines. | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 10179305 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/04/2026 | Resolved | 11424687143 | Credit | No Findings | The loan meets all applicable guidelines. | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 10179339 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/05/2026 | Resolved | XXXXX-1 | Credit | No Findings | The loan meets all applicable guidelines. | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 10179395 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/04/2026 | Resolved | XXXXX-1 | Credit | No Findings | The loan meets all applicable guidelines. | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 10179400 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/05/2026 | Resolved | XXXXX-1 | Credit | No Findings | The loan meets all applicable guidelines. | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 10084995 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/06/2026 | Resolved | XXXXX-1 | Credit | No Findings | The loan meets all applicable guidelines. | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 10179358 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/11/2026 | Resolved | 11485338974 | Credit | Title Insurance Missing or Defective | Missing Evidence of Title Insurance | XX/XX/XXXX: Title uploaded | 04/16/2026 | XX/XX/XXXX: Received Title | 04/16/2026 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 10179541 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/23/2026 | Resolved | XXXXX-1 | Credit | No Findings | The loan meets all applicable guidelines. | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 10109886 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/23/2026 | Resolved | XXXXX-01 | Credit | No Credit Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 10109975 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/29/2026 | Resolved | XXXXX-01 | Credit | No Credit Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 10109897 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/29/2026 | Resolved | 11137042392 | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX to XXX | XX/XX/XXXX: Deed Uploaded | 02/05/2026 | XX/XX/XXXX: Received Deed | 02/05/2026 | D | A | D | A | D | A | C | A | N/A | N/A | D | D | C | N/A | D | D | C | N/A | D | D | C | N/A | D | D | C | N/A | D | D | C | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 10109897 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/29/2026 | Resolved | 11137046511 | Credit | Market Rent - Missing or Defective | UW appears to be qualifying based on XXX market rent. This consists of Unit XXX rent XXX + Unit XXX rent XXX and separated garage rent ($XXX). Please clarify if income from this separated garage is eligible for DSCR. | XX/XX/XXXX: NQM clarification removing garage rents | 02/05/2026 | XX/XX/XXXX: NQM clarification removing garage rents | 02/05/2026 | D | A | C | A | D | A | C | A | N/A | N/A | D | D | C | N/A | D | D | C | N/A | D | D | C | N/A | D | D | C | N/A | D | D | C | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 10109897 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/29/2026 | Resolved | 11137136818 | Property | Appraisal Missing or Defective | Per guides, Purchase transactions that are currently tenant occupied must have their lease terms reflects by the appraiser. Appraisal reflects expired lease terms, but also shows the property is currently tenant occupied. Please provide an Appraisal with updated lease terms. | XX/XX/XXXX: Per XXX State law no documentation required | 02/05/2026 | XX/XX/XXXX: Per XXX State law no documentation required | 02/05/2026 | D | A | C | A | D | A | C | A | N/A | N/A | D | D | C | N/A | D | D | C | N/A | D | D | C | N/A | D | D | C | N/A | D | D | C | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 10109918 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/02/2026 | Resolved | XXXXX-01 | Credit | No Credit Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 10110058 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/03/2026 | Resolved | 11175577430 | Credit | Title Insurance Missing or Defective | Preliminary Title in file is MISSING MORTGAGEe clause after lender's name. Please provide Title supplement with ISAOA/ATIMA verbiage. | XX/XX/XXXX: Title uploaded | 02/10/2026 | XX/XX/XXXX: Received Title | 02/10/2026 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 10109920 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/03/2026 | Resolved | XXXXX-01 | Credit | No Credit Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 10109923 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX-01 | Credit | No Credit Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 10109985 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/04/2026 | Rescinded | 11189499177 | Credit | Title Insurance Coverage - Inadequate Coverage | XXX Title Coverage < XXX minimum coverage required. Please provide Title Supplement with updated coverage | XX/XX/XXXX: Rescind | 02/10/2026 | XX/XX/XXXX: Rescind | 02/10/2026 | C | B | C | A | C | A | C | B | N/A | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | |
| 10109985 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/04/2026 | Acknowledged | 11189465752 | Property | Ineligible Property – Square Footage | Units XXX (XXX sqft) and Unit XXX (XXX sqft) < minimum XXX square feet per unit | XX/XX/XXXX: Exception Approval uploaded | 02/10/2026 | XX/XX/XXXX: Received Exception Approval | 02/10/2026 | XXX months reserves greater than program requirement, VOR XXX in XXX months (checks for private), Borrower has long history of paying multiple motrgages timely | C | B | C | B | C | A | C | B | N/A | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A |
| 10109873 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/05/2026 | Resolved | XXXXX-01 | Credit | No Credit Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 10109983 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/09/2026 | Resolved | XXXXX-01 | Credit | No Credit Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 10109974 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/09/2026 | Resolved | 11229325618 | Credit | Title Insurance Missing or Defective | Provided Title Commitment is MISSING MORTGAGEe clause after Lender's name, please provide Title Supplement with ISAOA/ATIMA verbiage. | XX/XX/XXXX: Title | 02/19/2026 | XX/XX/XXXX: Title received | 02/19/2026 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 10161317 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/10/2026 | Resolved | XXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 10109887 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/12/2026 | Resolved | XXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 10110050 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/12/2026 | Resolved | XXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 10109917 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/13/2026 | Resolved | XXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 10161211 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/25/2026 | Resolved | 11366163615 | Credit | Appraisal Aged | Appraisal dated XX/XX/XXXX. Please have appraiser correct date. | XX/XX/XXXX: Updated Appraisal | 03/03/2026 | XX/XX/XXXX: Updated Appraisal received | 03/03/2026 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 10161218 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/27/2026 | Resolved | XXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 10109879 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/02/2026 | Resolved | XXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 10109978 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/02/2026 | Resolved | XXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 10161307 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/02/2026 | Resolved | XXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 10161303 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/02/2026 | Resolved | XXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 10109900 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/05/2026 | Resolved | XXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 10139456 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 01/23/2026 | 01/23/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139452 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | 11086833949 | Credit | Credit Report Missing or Defective | Missing Credit Report for Borrower: XXX | XXX XX/XX/XXXX: Please see attached credit report. | 01/26/2026 | XX/XX/XXXX: Received | 01/26/2026 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 10139531 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | 11097777873 | Credit | Asset Documentation Missing or Defective | Missing Operating Agreement(S) for XXX to prove access to assets | XXX XX/XX/XXXX: Please see attached documentation confirming both borrowers are signers on the account confirming access to the funds. | 01/29/2026 | XX/XX/XXXX: Received | 01/29/2026 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 10139425 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 01/23/2026 | 01/23/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139458 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 02/18/2026 | Acknowledged | 11311609589 | Credit | Excessive LTV Ratio | 80% LTV > XXX% max LTV allowed for cash-out refinance transactions. | XXX XX/XX/XXXX: Waived via email | XX/XX/XXXX: Waived via email | FICO XXX; PITIA Reserves XXX months; Mortgage history dating back to XXX with no adverse remarks; No adverse remarks on the credit report on any kind | C | B | C | B | C | B | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | ||
| 10139488 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | 11097804135 | Property | Market Rent - Missing or Defective | Missing XXX or executed lease agreement for subject property XXX | XXX XX/XX/XXXX: Attached is the lease agreement which was previously provided as well as a screenshot of the provided guidelines for this product confirming that only one of either the lease agreement or XXX are needed. Please review to clear this condition. XXX XX/XX/XXXX: Guidelines for this product do not require a XXX as long as a lease agreement is in file for a long term rental. Please review to clear this condition. | 02/02/2026 | XX/XX/XXXX: Received XX/XX/XXXX: Finding has been updated as loan file is missing both XXX and executed lease agreement | 02/02/2026 | D | A | D | A | A | A | D | A | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 10139467 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | 11097858171 | Property | Completion Report or 1004D - Missing | Missing 1004D | XXX XX/XX/XXXX: Please see the attached mold inspection. | 02/02/2026 | XX/XX/XXXX: Received | 02/02/2026 | D | A | D | A | A | A | D | A | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 10139443 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | 11086064026 | Property | Condo Questionnaire Missing or Defective | Missing Condo Questionnaire: XXX Condomuniums | XXX XX/XX/XXXX: Please see the attached condo questionnaire and verification recently. | 01/30/2026 | XX/XX/XXXX: Received | 01/30/2026 | D | A | D | A | A | A | D | A | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 10139541 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 01/23/2026 | 01/23/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139449 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 01/23/2026 | 01/23/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139450 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 01/23/2026 | 01/23/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139435 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 01/23/2026 | 01/23/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139409 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 01/23/2026 | 01/23/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139414 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 01/23/2026 | 01/23/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139429 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/26/2026 | Resolved | 11104364128 | Credit | Asset Documentation Missing or Defective | Missing XXX exchange documentation to verify proceeds of sale indicated on CD in file | XXX XX/XX/XXXX: The borrower did not use a XXX exchange for the required funds due at closing. However, the attached signed final cd for the sale of the non subject is evidence the borrower received acceptable funds for closing. | 02/04/2026 | XX/XX/XXXX: Received | 02/04/2026 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 10139492 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/26/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 01/26/2026 | 01/26/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139469 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/26/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 01/26/2026 | 01/26/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139473 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/26/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 01/26/2026 | 01/26/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139512 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/26/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 01/26/2026 | 01/26/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139494 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 01/23/2026 | 01/23/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139468 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 01/23/2026 | 01/23/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139487 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 01/23/2026 | 01/23/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139547 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/27/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 01/27/2026 | 01/27/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139419 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 01/23/2026 | 01/23/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139459 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 01/23/2026 | 01/23/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139466 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 01/23/2026 | 01/23/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139470 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 01/23/2026 | 01/23/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139483 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 01/23/2026 | 01/23/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139489 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 01/23/2026 | 01/23/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139490 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 01/23/2026 | 01/23/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139498 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 01/23/2026 | 01/23/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139503 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 01/23/2026 | 01/23/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139505 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 01/23/2026 | 01/23/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139513 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 01/23/2026 | 01/23/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139534 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 01/23/2026 | 01/23/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139448 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 01/23/2026 | 01/23/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139434 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 01/23/2026 | 01/23/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139523 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 01/23/2026 | 01/23/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139455 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 01/23/2026 | 01/23/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139475 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 01/23/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 01/23/2026 | 01/23/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139496 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 02/09/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 02/09/2026 | 02/09/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139502 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 02/09/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 02/09/2026 | 02/09/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139524 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 02/09/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 02/09/2026 | 02/09/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139533 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 02/09/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 02/09/2026 | 02/09/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139550 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 02/09/2026 | Resolved | 11232391467 | Credit | Closing Protection Letter Missing or Defective | Missing Closing Protection Letter (CPL) | XXX XX/XX/XXXX: Please see uploaded document. CPL as requested | 02/10/2026 | XX/XX/XXXX: Received | 02/10/2026 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 10139537 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 02/09/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 02/09/2026 | 02/09/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 02/09/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 02/09/2026 | 02/09/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139527 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 02/11/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 02/11/2026 | 02/11/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10139506 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Cleared | 02/13/2026 | Resolved | XXXXX | No Findings | No Credit Findings | The loan meets all applicable guidelines | 02/13/2026 | 02/13/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 10065770 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/08/2026 | Cleared | XXXXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX XX/XX/XXXX: Clear | XX/XX/XXXX: Clear | 01/08/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 10099603 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 11/23/2025 | Clear | XXXXX-1049 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located : XXX | XX/XX/XXXX: Uploaded | 12/4/2025 | XX/XX/XXXX: Received | 12/9/2025 | D | A | D | A | A | A | D | A | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 10099641 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 12/10/2025 | Clear | XXXXX-1080 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located : XXX | XX/XX/XXXX: Uploaded | 12/18/2025 | XX/XX/XXXX: Received | 12/18/2025 | D | B | D | A | A | A | D | B | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | |
| 10099641 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 12/10/2025 | Clear | XXXXX-1081 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located : XXX | XX/XX/XXXX: Uploaded | 12/18/2025 | XX/XX/XXXX: Received | 12/18/2025 | D | B | D | A | A | A | D | B | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | |
| 10099641 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 12/10/2025 | Acknowledged | XXXXX-1132 | Property | Ineligible Property | Property square footage of XXX < XXX sqft minimum required per guidelines | XX/XX/XXXX: Waived | 12/18/2025 | XX/XX/XXXX: Waived | 12/18/2025 | Fico XXX DSCR < XX/XX/XXXX | D | B | C | B | A | A | D | B | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A |
| 10109992 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 1/28/2026 | Resolved | XXXXX-01 | Credit | No Credit Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 10161216 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 2/26/2026 | Resolved | XXXXX-01 | Credit | No Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 10084800 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 1/27/2026 | Resolved | 11110560335 | Credit | Subject Property Lease - Missing or Defective | Missing receipt of the 1st month's rent and security deposit for the new subject property lease: XXX. | XX/XX/XXXX: Certificate of Occupancy | 1/27/2026 | XX/XX/XXXX: Received Certificate of Occupancy | 1/27/2026 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 10084865 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 1/28/2026 | Resolved | 11125874129 | Property | Hazard Insurance Missing or Defective | XXX Hazard Insurance Coverage < XXX minimum required. Please provide updated Hazard Insurance or replacement cost. | XX/XX/XXXX: Client clarified replacement cost | 2/12/2026 | XX/XX/XXXX: Client clarified replacement cost | 2/12/2026 | C | A | C | A | A | A | C | A | N/A | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 10084964 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 2/2/2026 | Resolved | 11164551401 | Credit | Guarantor Identification Missing or Defective | Missing ID for the Borrower: XXX | XX/XX/XXXX: Guarantor ID | 2/6/2026 | XX/XX/XXXX: Received Guarantor ID | 2/6/2026 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 10179423 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 3/9/2026 | Resolved | 11464102053 | Credit | Title Insurance Missing or Defective | XXX Title Insurance Coverage < XXX minimum coverage required. Please provide updated Title Insurance | XX/XX/XXXX: Title uploaded | 3/10/2026 | XX/XX/XXXX: Received Title | 3/10/2026 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 10179438 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 3/10/2026 | Resolved | XXXXX-1 | Credit | No Findings | The loan meets all applicable guidelines. | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 10065758 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/23/2025 | Acknowledged | 10840962831 | Credit | Closing Disclosure/Settlement Statement Missing or Defective | Lender needs to collect escrows at closing equal to the sum of XXX months of taxes and insurance: Did not collect Hazard Insurance escrows on HUD. | XXX XX/XX/XXXX: Waive with compensating factors of XXX & XXX FICO, 70% LTV with max XXX% available, and assets of >$XXX | XX/XX/XXXX: Waived | 01/08/2026 | FICO XXX 70% LTV, XXX x XXX x XXX | D | B | C | B | D | B | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | ||
| 10065758 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/23/2025 | Acknowledged | 10840973845 | Credit | Guaranty Missing or Defective | Missing signed guaranty from XXX (XXX% owner of XXX which owns XXX% of XXX). All loans must have executed personal guaranties from XXX% of borrowing entity per guidelines. | XXX XX/XX/XXXX: Waive with compensating factors of XXX & XXX FICO, 70% LTV with max XXX% available, and assets of >$XXX | XX/XX/XXXX: Waived | 01/08/2026 | FICO XXX 70% LTV, XXX x XXX x XXX | D | B | D | B | D | B | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A |