Exhibit 99.1 Schedule 4
| Marketing ID | Infinity Loan ID | Loan Number | Loan Number 2 | Borrower Name | State | QM/ATR Status | Initial Overall Loan Grade | Final Overall Grade | Final Credit Grade | Final Property Grade | Final Compliance Grade | Material (level 3) TRID exception? | Material (level 3) Non-TRID exception? | Active Material Exceptions | Active Non Material Exceptions | b | Waived Exceptions | Compensating Factors | Property Type | Note Date | LTV | CLTV | Occupancy | Purpose | Credit Score | Brwr 1 Yrs in Property | Brwr 1 Occupation | Brwr 1 Yrs on Job | Total Monthly Income | Mortgage History | Cash Out Amount | DTI | FTHB Flag | Loan Doc Type | Loan Status | Review Date |
| 12 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: According to the guidelines, a minimum of two (2) months of bank statements is required for the accounts listed below. However, only one month of statements has been provided in the loan package. "XX" and "XX." 03/20/2026: Not Resolved. The statement that is needed is for XX and #XX. 03/31/2026: Countered. The only assets listed on the 1003 are for XX and XX so that would be the assets we need to verify. 04//22/2026: Countered. The final 1003 indicates the assets being used are from XX and XX. The only documentation provided for those accounts were a blend report from 09/29/2025. 2 months bank statements are required per the guidelines. One additional current bank statement is needed for these accounts listed on the final 1003. 4/23/2025 Resolved. Bank statements provided show a time stamp of when they were pulled which was prior to loan closing. Two months was reviewed and adhered to guidelines. |
Single Family | XX | 70.000% | 70.000% | Investor | Refinance | 742 | XX | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 02/25/2026 | |||||||||||
| 28 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Automated Appraisal Review Incomplete or Data not
complete - EV R COMMENT: Provided Collateral Desktop Analysis (CDA) reflects an incorrect loan number (#XX) instead of the subject property loan number (#XX). Provided a copy of updated Collateral Desktop Analysis (CDA) to reflect the correct loan number. 04/18/2026: Resolved. The clients loan number is acceptable. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide supporting documentation or a credit supplement for the newly reported debt account, XX. 04/22/2026: Resolved. Received a copy of the Note, Disclosure and Security Agreement. |
Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 760 | XX | 3.58 | $5,579.35 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
35.450% | Yes | Alternative | QC Complete | 04/14/2026 | |||||||
| 31 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Automated Appraisal Review Incomplete or Data not
complete - EV R COMMENT: Provided Collateral Desktop Analysis (CDA) reflects an incorrect loan number (#XX) instead of the subject property loan number (#XX). Provided a copy of updated Collateral Desktop Analysis (CDA) to reflect the correct loan number. 04/16/2026: Resolved. The clients loan number is acceptable. *** (CURED) Assets are not sufficient to close - EV R COMMENT: The total verified assets of $13,832.07 are insufficient to meet the six-month reserve requirement. After subtracting the cash-to-close amount of $47,963.81, the remaining assets total $0.00. This falls $44,684.94 short of the required cash to close and reserves of $58,517.01. 05/11/2026: Countered. Only received a 1003. Need proof of additional assets totaling $58,517.01. 5/13/2026 Resolved. Received settlement statement from a simultaneous closing on another property owned with $XX cash out to borrower which covered cash to close and reserves. |
2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 762 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 04/13/2026 | |||||||||||
| 33 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide the required third party employment verification CPA letter that documents date of business inception and borrowers ownership percentage. In addition, please provide verification of the preparer's CPA license. (business "XX") 03/16/2026: Not resolved. A business search is not one of the documents allowed for third party verification. All other self-employed borrowers: Verify from CPA or licensed tax preparer (with PTIN), or Business Formation Documents (Articles of Incorporation, Bylaws, Charter, Articles of Association) filed with the applicable state and one of the following to verify the borrower’s ownership percentage: Operating Agreement/Partnership Agreement; or · IRS Employment Identification Number (EIN) letter documenting the borrower’s percentage of ownership in the business; or · Stock Certificate or other acceptable corporate documentation verifying the number of shared owned by the borrower and documentation confirming the total number of shared issued and outstanding (Corporation). 05/13/2026: Resolved. Received 2024 K-1 showing 100% ownership |
PUD | XX | 74.993% | 74.993% | Investor | Purchase | 757 | XX | 2.83 | $21,009.79 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
41.763% | No | Alternative | QC Complete | 03/10/2026 | |||||||
| 34 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing Required Disclosures - EV R COMMENT: Provide copies of missing bank statements for XX. For account ending in #XX, 'August 2025, February 2025, October 2024' and account #XX 'August 2025, July 2025, May 2025, November 2024, August 2024, May 2024'. 04/22/2026: Resolved. Received bank statements. |
PUD | XX | 15.517% | 15.517% | Primary | Cash Out | 796 | 0.16 | XX | 32.75 | $23,851.07 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$439,533.86 | 41.043% | Alternative | QC Complete | 04/14/2026 | ||||||
| 35 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 66.021% | 66.021% | Primary | Purchase | 795 | XX | 2.66 | $4,636.67 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
15.749% | No | Alternative | QC Complete | 05/19/2026 | ||||||||
| 36 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of updated insurance with mortgage clause ISAOA/ATIMA 05/07/2026: Resolved. policy already has mortgagee clause ISAOA/ATIMA. |
Single Family | XX | 50.000% | 50.000% | Investor | Cash Out | 750 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$112,974.15 | Alternative | QC Complete | 05/05/2026 | |||||||||||
| 37 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | High Rise Condo (>=9 Stories) | XX | 70.000% | 70.000% | Investor | Purchase | 769 | XX | 11.92 | $121,090.67 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
10.113% | No | Alternative | QC Complete | 04/14/2026 | ||||||||
| 38 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 70.000% | 70.000% | Primary | Cash Out | 675 | 5.08 | XX | 11.83 | $7,398.53 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$99,140.14 | 49.918% | Alternative | QC Complete | 05/05/2026 | |||||||
| 40 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance - EV R COMMENT: Provided master policy is expired on 03/04/2026. provide a copy of updated master policy 04/20/2026: Countered: The MASTER insurance policy provided on page 892 with XX policy #XX expired on 03/04/2025. A copy of the unexpired policy is needed. 04/21/2026: Resolved. When units located within a PUD are covered by individual property insurance policies maintained by their respective owner(s), the lender or servicer is not required to verify master property insurance coverage on PUD common elements. |
PUD | XX | 74.075% | 74.075% | Investor | Cash Out | 727 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$45,857.30 | Alternative | QC Complete | 05/11/2026 | |||||||||||
| 41 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide business bank statement (XX for the month of April 2025 & October 2025 as they are missing. 05/22/2026: Resolved. Received bank statements. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide the Condominium Seller Disclosure for the District of Columbia evidencing the seller’s approval to pay the special assessment for the new roof in the amount of $271.80, with 40 payments remaining. 5/22/2026: Incorrect condition. Page 2 of the condominium seller Disclosure states that the seller agrees to pay, at the time of settlement, any special assessments unless otherwise agreed herein. |
Low Rise Condo (1-4 Stories) | XX | 73.244% | 73.244% | Primary | Purchase | 798 | XX | 1.25 | $9,480.98 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.296% | Yes | Alternative | QC Complete | 05/19/2026 | |||||||
| 42 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide a copy of updated Title Supplement report with loan amount $XX. 04/23/2026: Resolved. Received updated title. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: XX Mtg #XX reporting 4x120 in 2024 however loan was paid off in July 2022. See release of mortgage. Customer has previously disputed but creditor states its resolved. File has been submitted for non-delegated underwriting. Exception approval present. |
6.187 months reserves exceed the minimum guideline of 3
months. DTI of 30.45% is less than the maximum guideline requirement of 50%. 716 exceeds the minimum guideline requirement of 680 |
Single Family | XX | 72.377% | 72.377% | Primary | Cash Out | 716 | 25.17 | XX | 5.08 | $23,437.80 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$129,438.41 | 30.449% | Alternative | QC Complete | 04/14/2026 | ||||
| 43 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of personal tax returns document with Schedule E page #1 as it is missing. 04/20/2026: Countered. The top of the document in question states page 2. No page 1 was provided. 4/27/2026: Resolved. Page 1 not required as there is no rent and page 2 shows all income from Schedule E. |
2 Family | XX | 70.000% | 70.000% | Investor | Cash Out | 779 | XX | 5.5 | $33,387.22 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$278,527.17 | 25.570% | Full Documentation | QC Complete | 04/14/2026 | |||||||
| 46 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide an updated government ID, as the borrower’s provided ID for XX has expired. 05/28/2026: Resolved. Received copy of valid passport. |
PUD | XX | 79.962% | 79.962% | Secondary | Refinance | 769 | XX | 1.5 | $0.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
29.365% | Full Documentation | QC Complete | 05/19/2026 | ||||||||
| 47 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 49.737% | 49.737% | Investor | Purchase | 760 | XX | 6.16 | $26,307.82 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
25.712% | No | Full Documentation | QC Complete | 05/05/2026 | ||||||||
| 48 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 48.125% | 48.125% | Investor | Cash Out | 758 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$147,550.98 | Alternative | QC Complete | 05/19/2026 | ||||||||||||
| 49 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide a copy of Supplemental Title Report to cover the loan amount. 04/28/2026: Resolved. Received updated title. |
Single Family | XX | 69.050% | 69.050% | Primary | Refinance | 723 | 3.5 | XX | 20.16 | $25,492.65 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
28.049% | Alternative | QC Complete | 04/14/2026 | |||||||
| 50 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of updated Lease agreement for the property address "XX" with rental amount 04/30/2026: Resolved. Received lease with correct address and rental amount. |
Single Family | XX | 70.000% | 70.000% | Investor | Cash Out | 790 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$107,469.10 | Alternative | QC Complete | 04/14/2026 | |||||||||||
| 52 | XX | XX | XX | XX | Not Covered/Exempt | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Loan does not conform to program guidelines - EV
R COMMENT: The loan does not meet the XX guideline, as vesting is permitted only for individual borrowers. However, the title reflects vesting in the LLC name, “XX.” 05/15/2016: Countered. Product Vesting Options XX XX • Must vest in the name of an individual(s). • Vesting in a company is not permitted (Corporations, LLCs, Partnerships, and S-Corporations). • Must vest in the name of an individual(s). 05/19/2026: Resolved. Per guidelines 02.26.2026 v26.2 Vesting options-added LLC's are permitted for XX and XX. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the loan score card, as it is missing. 05/15/2026: Resolved. XX in original package. |
Low Rise Condo (1-4 Stories) | XX | 49.741% | 49.741% | Investor | Cash Out | 793 | XX | 33.08 | $9,536.41 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$326,006.66 | 42.608% | Full Documentation | QC Complete | 06/08/2026 | |||||||
| 53 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 37.870% | 37.870% | Primary | Purchase | 769 | XX | 23.42 | $104,312.13 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
28.065% | No | Alternative | QC Complete | 05/20/2026 | ||||||||
| 53 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 51.472% | 51.472% | Primary | Purchase | 804 | XX | 4.66 | $6,840.13 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
44.852% | No | Alternative | QC Complete | 05/19/2026 | ||||||||
| 56 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Secondary | Purchase | 753 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/06/2026 | ||||||||||||
| 58 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 54.291% | 54.291% | Secondary | Refinance | 807 | XX | 3.08 | $0.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
29.835% | Alternative | QC Complete | 05/05/2026 | |||||||||
| 59 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: The amount of title insurance $XX does not cover the loan amount $XX. Provide a copy of the title supplement report to cover the loan amount. 04/28/2026: Resolved. Received updated title. |
Single Family | XX | 75.000% | 75.000% | Investor | Cash Out | 794 | XX | 18.08 | $15,639.64 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$145,950.08 | 47.423% | Full Documentation | QC Complete | 04/14/2026 | |||||||
| 60 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Property Issues indicated - EV R COMMENT: Provide a copy of Appraiser license as it is missing 04/21/2026: Received appraisers license information *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of HOA document for property address "XX 04/22/2026: Resolved. the 2024 schedule E line 19 shows no HOA fee for this property. Additionally, the underwriting calc sheet comments read verified no HOA third party search *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of HOA document for property address "XX" 04/22/2026: Resolved. the 2024 schedule E line 19 shows no HOA fee for this property. Additionally, the underwriting calc sheet comments read verified no HOA third party search |
PUD | XX | 74.865% | 74.865% | Investor | Cash Out | 781 | XX | 29.16 | $15,527.05 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$268,275.25 | 25.801% | Full Documentation | QC Complete | 04/14/2026 | |||||||
| 64 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 75.000% | 75.000% | Investor | Purchase | 710 | XX | 7.42 | $77,839.98 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
22.400% | No | Alternative | QC Complete | 05/05/2026 | ||||||||
| 67 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 59.452% | 59.452% | Primary | Refinance | 716 | 10.33 | XX | 41.08 | $84,835.23 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
16.072% | Alternative | QC Complete | 05/19/2026 | ||||||||
| 72 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 50.000% | 50.000% | Primary | Purchase | 746 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/20/2026 | ||||||||||||
| 74 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Homeownership Counselling Disclosure is missing. -
EV R COMMENT: Missing Homeownership Counseling Disclosure. Resolved 04/29/2026: Received Homeownership Counseling Disclosure dated 03/05/2026 and exception is cleared. *** (CURED) Hazard Insurance Coverage less than Loan Amount - EV R COMMENT: Dwelling amount $XX is not sufficient to cover loan amount $XX. Provide replacement cost estimator. 04/30/2026 countered: The Letter of Explanation provided does not adequately support that the dwelling coverage meets or exceeds the loan amount in the absence of a Replacement Cost Estimator (RCE). 05/07/2026 Countered : Please provide the updated policy reflecting the replacement cost. 05/12/2026: Countered. Please provide the proof of additional coverages/endorsement/exclusions: SIC HO 23 69 02 22- Specified Additional Amount of insurance Coverage A listed on the declaration page. 05/20/2026 Resolved: Resolved as per the new fannie rules the insurance coverage is sufficient. |
PUD | XX | 80.000% | 80.000% | Primary | Purchase | 771 | XX | 18.42 | $41,146.39 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
23.325% | No | Alternative | QC Complete | 04/22/2026 | |||||||
| 78 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 773 | XX | 3.5 | $20,121.33 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.954% | No | Alternative | QC Complete | 05/06/2026 | ||||||||
| 80 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 85.000% | 85.000% | Investor | Purchase | 769 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/19/2026 | ||||||||||||
| 81 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the mortgage statement and property tax documentation for the property located at XX. 04/29/2026: Countered. In addition to the proof provided for the HOA actual proof of the PITI is needed such as a mortgage statement. 05/06/2026: Resolved: As of the date the subject note, this property had not yet closed and the payment was included as worst casr scenario. The CD provided is verification of PITI and seperate verification of the HOA was also provided. |
Single Family | XX | 46.429% | 48.633% | Primary | Cash Out | 691 | 11.5 | XX | 14.08 | $38,315.79 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$133,560.25 | 22.126% | Full Documentation | QC Complete | 04/24/2026 | ||||||
| 82 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide an updated hazard insurance policy reflecting the mortgagee information and the subject property address, including unit number #24. 05/14/2026: Resolved. Received updated insurance. |
Low Rise Condo (1-4 Stories) | XX | 68.966% | 68.966% | Primary | Cash Out | 691 | 1.33 | XX | 17.08 | $6,345.21 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$191,065.99 | 46.206% | Alternative | QC Complete | 05/06/2026 | ||||||
| 83 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 85.000% | 85.000% | Investor | Purchase | 751 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/08/2026 | ||||||||||||
| 85 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 85.000% | 85.000% | Investor | Refinance | 744 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 05/19/2026 | |||||||||||||
| 86 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) DTI > 50% - EV R COMMENT: Provide documentation to verify costs and fees for the property located at XX. The costs were stated to be $12/month. Recalculate DTI once received. 05/01/2026: Countered. The 1003 lists XX with monthly insurance, Taxes, Association dues as $125.00. Documentation provided show HOI as $273.00 per month and taxes as $120.94 per month. Which makes the DTI 50.43. 05/08/2026: Countered. The documentation provided shows the HOI as $273.00 and the taxes at $120.94 for a total of $393.94 not $125.00making the DTI 50.43 05/22/2026: Resolved. The correct DTi should be 49.58 with the 125.00 included. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of Feb month bank statement for the account "XX 05/01/2026:Resolved. This asset is not needed. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide proof of distribution of the borrowers income from Merill account matching the amount stated on the loan application of $XX. 05/01/2026: Countered: per the underwriters comments in the Resubmission review: We will need a statement from the borrower regarding plans of retirement, based on guides if retiring within 3 years of the note additional conditions apply. 05/08/2026: Countered. The asset qualifier guidelines list which assets are eligible for use. Retirement Accounts 401(k)/403(b) plans or IRA, SEP or XX accounts Borrower is at least 59 ½ years old (retirement age) Documentation has been provided confirming the borrower has full access to the funds If the borrower is not 59 ½ years old, the borrower must have enough liquid assets to qualify until they reach 59 ½ years of age 7. Required Disclosures • Notice to Borrower: Ability to Repay Disclosure signed by the borrowers • Ability to Repay (ATR) Certification completed by underwriter • Borrower’s Affirmation of Information Provided to Establish Ability to Repay (ATR) signed by the borrower • Asset Qualifier requires a letter of explanation from the borrower certifying their intent to liquidate the assets to pay current expenses The guidelines don’t state that if they are of retirement age they don’t need the letter on intent. a letter is still needed from the borrower. 05/13/2026: Resolved. Received Bo-borrower is of retirement age and a letter of explanation is not needed on asset based income. |
Single Family | XX | 60.848% | 60.848% | Primary | Refinance | 794 | 2.25 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.587% | Alternative | QC Complete | 04/28/2026 | ||||||||||
| 88 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Automated Appraisal Review Missing - EV R COMMENT: Provide a copy of secondary valuation as it is missing. 05/22/2026: Incorrect condition. XX Valuation Intellgence appraisal Risk Review is in original file. |
Single Family | XX | 85.000% | 85.000% | Investor | Cash Out | 744 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$428.14 | Alternative | QC Complete | 05/19/2026 | |||||||||||
| 90 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 806 | $0.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/07/2026 | |||||||||||
| 91 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 83.844% | 83.844% | Investor | Refinance | 744 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 05/19/2026 | |||||||||||||
| 92 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 78.947% | 78.947% | Primary | Cash Out | 732 | 4.33 | XX | 5.92 | $7,332.96 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$32,100.86 | 49.919% | Alternative | QC Complete | 05/20/2026 | |||||||
| 96 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of updated title or supplemental title report including Lender ISAOA/ATIMA Clause, as is it missing 04/28/2026: Resolved. Received updated title. |
Single Family | XX | 61.905% | 61.905% | Investor | Purchase | 789 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 04/15/2026 | |||||||||||
| 98 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide tax and insurance documents for the property "1XX to verify the stated amount $298.64. 05/15/2026: Countered. Provide copy of seller CD for XX to show sold. 05/18/2026: Resolved. Copy of settlement statement provided. |
PUD | XX | 80.000% | 80.000% | Investor | Purchase | 779 | XX | 17.67 | $21,615.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
36.855% | No | Full Documentation | QC Complete | 05/08/2026 | |||||||
| 99 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 41.096% | 41.096% | Primary | Cash Out | 749 | 19.5 | XX | 2.08 | $73,269.92 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$14,532.17 | 2.015% | Alternative | QC Complete | 06/08/2026 | |||||||
| 101 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 75.000% | 75.000% | Investor | Cash Out | 757 | XX | 20.42 | $20,544.62 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$148,509.39 | 25.682% | Alternative | QC Complete | 05/19/2026 | ||||||||
| 103 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Homeownership Counselling Disclosure is missing. -
EV R COMMENT: Missing Homeownership Counseling Disclosure. 05/13/2026: Countered. The Homeownership Counseling Disclosure is missing. 05/13/2026: Resolved. Received Hownership Counseling Organization List |
Single Family | XX | 70.000% | 70.000% | Primary | Purchase | 810 | XX | 11.66 | $23,446.70 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
20.427% | No | Alternative | QC Complete | 05/07/2026 | |||||||
| 108 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 11.325% | 11.325% | Investor | Refinance | 805 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 05/19/2026 | |||||||||||||
| 109 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide fully executed letter from business CPA confirming borrowers ownership percentage in the business and how long it has been in operation. 05/13/2026: Resolved; Received Corporate resolution of XX, certificate of fact from the office of the secretary of state, franchise tax account status and public iinformation report |
PUD | XX | 75.000% | 75.000% | Primary | Cash Out | 722 | 1.58 | XX | 10.75 | $23,380.48 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$136,594.37 | 43.802% | Alternative | QC Complete | 05/06/2026 | ||||||
| 110 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of lease agreement for the property address "XX" 05/22/2026: Incorrect condition. The full PITI was included int he ratios no lease is needed. |
PUD | XX | 80.000% | 80.000% | Investor | Purchase | 772 | XX | 2.91 | $12,125.56 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
37.744% | No | Full Documentation | QC Complete | 05/19/2026 | |||||||
| 111 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Mid Rise Condo (5-8 Stories) | XX | 62.112% | 62.112% | Investor | Purchase | 804 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/19/2026 | ||||||||||||
| 112 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Primary | Purchase | 780 | XX | 5.83 | $33,505.76 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
14.573% | Yes | Alternative | QC Complete | 05/20/2026 | ||||||||
| 115 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | XX | 57.252% | 57.252% | Investor | Cash Out | 740 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$119,800.49 | Alternative | QC Complete | 05/20/2026 | ||||||||||||
| 116 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | XX | 75.000% | 75.000% | Investor | Cash Out | 740 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$39,456.70 | Alternative | QC Complete | 05/20/2026 | ||||||||||||
| 117 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 72.000% | 72.000% | Primary | Purchase | 729 | XX | 5.66 | $49,973.13 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
24.287% | No | Alternative | QC Complete | 05/06/2026 | ||||||||
| 118 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 4 Family | XX | 68.410% | 68.410% | Investor | Cash Out | 740 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$151,630.99 | Alternative | QC Complete | 05/20/2026 | ||||||||||||
| 119 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 75.000% | 75.000% | Investor | Cash Out | 740 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$10,257.78 | Alternative | QC Complete | 05/20/2026 | ||||||||||||
| 120 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 85.000% | 85.000% | Investor | Purchase | 792 | XX | 1.08 | $13,750.01 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
34.438% | No | Full Documentation | QC Complete | 05/20/2026 | ||||||||
| 121 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Automated Appraisal Review Missing - EV R COMMENT: Provide a copy of the secondary valuation CDA as it is required guidelines. 05/11/2026: Resolved. Client provided 2 full appraisals in original package. *** (CURED) Amount of title insurance is less than mortgage amount - EV R COMMENT: Preliminary title does not reflect the amount of $XX title insured coverage amount. provide a copy of supplemental report with lender ISAOA/ATIMA clause. 05/13/2026: Resolved. Received updated title. |
Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 783 | XX | 9.58 | $3,878.08 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
29.729% | No | Full Documentation | QC Complete | 05/07/2026 | |||||||
| 122 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Subject or Comp Photos are missing or illegible - EV
R COMMENT: Photos of the rent comparables are missing from the loan package. Provide photos of all rent comparables listed in the appraisal. 05/15/2026: Resolved: Per Fannie Mae photographs of comparable rentals utilized in the Small Income Residentail Appraisal Report (Form 1025) are not required. |
3 Family | XX | 75.000% | 75.000% | Investor | Cash Out | 768 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$15,648.32 | Alternative | QC Complete | 05/06/2026 | |||||||||||
| 123 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 62.887% | 62.887% | Primary | Purchase | 721 | XX | 3.66 | $1,028.02 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
45.711% | No | Alternative | QC Complete | 06/08/2026 | ||||||||
| 125 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Reverification within 10 days is missing - EV R COMMENT: Provide verbal VOE for borrower (XX) from (XX) dated within 10 business days of closing. 05/13/2026: Resolved. borrower is self employed. Received letter from CPA. |
PUD | XX | 80.000% | 80.000% | Primary | Purchase | 708 | XX | 5.67 | $22,326.45 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
32.977% | No | Alternative | QC Complete | 05/11/2026 | |||||||
| 131 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Automated Appraisal Review Missing - EV R COMMENT: Provide a copy of Secondary valuation as it is missing 05/14/2026: Resolved. A XX Appraisal Risk Review is in the file. |
Single Family | XX | 85.000% | 85.000% | Investor | Refinance | 722 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 05/07/2026 | ||||||||||||
| 132 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 75.000% | 75.000% | Investor | Purchase | 780 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/08/2026 | ||||||||||||
| 133 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Automated Appraisal Review Missing - EV R COMMENT: Provide a copy of the secondary valuation CDA as it required by the guidelines. 05/13/2026: Resolved. File already had 2 full appraisals. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the loan score card, as it is missing. 05/13/2026: Resolved. LoanScore Card is no longer needed. |
Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 747 | XX | 9.58 | $19,514.76 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
37.557% | No | Full Documentation | QC Complete | 05/11/2026 | |||||||
| 134 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 66.818% | 66.818% | Primary | Refinance | 682 | 1.16 | XX | 2.83 | $11,503.19 | Mos Reviewed:12 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
40.510% | Alternative | QC Complete | 05/07/2026 | ||||||||
| 137 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 82.436% | 82.436% | Investor | Refinance | 735 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 05/07/2026 | |||||||||||||
| 139 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Automated Appraisal Review Missing - EV R COMMENT: Provide a copy of Secondary valuation as it is missing. 05/15/2026: Resolved. Two appraisals were provided. |
Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 816 | 2.08 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/07/2026 | ||||||||||
| 142 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 75.000% | 75.000% | Investor | Purchase | 773 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/20/2026 | ||||||||||||
| 144 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 722 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/20/2026 | ||||||||||||
| 146 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the loan score card, as it is missing. 05/12/2026: Countered. Guidelines 02.26.2026v26.2 under #13 underwriting state Loans must be submitted to LoanScoreCard or to XX for approved clients. 05/13/2026: Resolved: Loanscore is no longer needed per guidelines. |
PUD | XX | 75.000% | 75.000% | Primary | Purchase | 752 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/07/2026 | |||||||||||
| 147 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Mid Rise Condo (5-8 Stories) | XX | 80.000% | 80.000% | Investor | Purchase | 792 | $3,664.70 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
41.039% | No | Full Documentation | QC Complete | 05/20/2026 | ||||||||||
| 150 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 67.376% | 67.376% | Secondary | Purchase | 818 | XX | 15.5 | $21,105.38 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
42.433% | No | Full Documentation | QC Complete | 05/20/2026 | ||||||||
| 152 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 85.000% | 85.000% | Investor | Refinance | 735 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 05/20/2026 | |||||||||||||
| 154 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | High Rise Condo (>=9 Stories) | XX | 80.000% | 80.000% | Investor | Purchase | 804 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/07/2026 | ||||||||||||
| 155 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 30.343% | 30.343% | Secondary | Purchase | 800 | XX | 12.92 | $10,812.50 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
39.640% | No | Alternative | QC Complete | 05/20/2026 | ||||||||
| 158 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 70.000% | 70.000% | Secondary | Purchase | 798 | $79,300.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
20.745% | No | Alternative | QC Complete | 05/19/2026 | ||||||||||
| 159 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Investor | Purchase | 768 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/20/2026 | ||||||||||||
| 164 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 85.000% | 85.000% | Investor | Purchase | 756 | XX | 7.33 | $54,526.16 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
4.268% | No | Alternative | QC Complete | 05/20/2026 | ||||||||
| 166 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 53.095% | 53.095% | Primary | Purchase | 800 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
9.843% | No | Alternative | QC Complete | 05/20/2026 | |||||||||||
| 200 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.562% Allowed 7.870% Overby +0.692% This loan is compliant with regulation 1026.35 |
Low Rise Condo (1-4 Stories) | XX | 90.000% | 90.000% | Primary | Purchase | 742 | XX | 3.58 | $12,873.51 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
33.598% | Yes | Alternative | QC Complete | 05/05/2026 | |||||||
| 201 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.591% Allowed 7.870% Overby+0.721% This loan is compliant with regulation 1026.35. |
2 Family | XX | 90.000% | 90.000% | Primary | Purchase | 770 | XX | 17.91 | $26,721.17 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
24.937% | Yes | Alternative | QC Complete | 05/21/2026 | |||||||
| 202 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 47.049% | 47.049% | Primary | Purchase | 733 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Yes | Alternative | QC Complete | 05/21/2026 | ||||||||||||
| 203 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 85.000% | 85.000% | Investor | Purchase | 776 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 04/17/2026 | ||||||||||||
| 204 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: The title insurance amount of $XX is insufficient to cover the loan amount of $XX. Provide a copy of the title supplemental report. 05/08/2026: Resolved. Received updated title. |
3 Family | XX | 75.000% | 75.000% | Investor | Cash Out | 757 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$127,487.32 | Alternative | QC Complete | 05/05/2026 | |||||||||||
| 204 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) HUD-1 Closing Statement missing or unsigned - EV
R COMMENT: Missing Final Closing Disclosure Resolved 04/20/2026: Received Final Closing Disclosure dated 04/XX/2026 and exception is cleared. |
PUD | XX | 70.000% | 70.000% | Primary | Purchase | 758 | XX | 2.75 | $690,566.22 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
6.626% | No | Alternative | QC Complete | 04/16/2026 | |||||||
| 209 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 85.000% | 85.000% | Investor | Refinance | 752 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 05/26/2026 | |||||||||||||
| 210 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Loan score card 1st page is missing. 05/11/2026: Resolved. Received passing LoanScorecard. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Excessive NSF's A copy of an exception approval letter is available in the loan file. |
DTI: 10.58% DTI is less than the maximum guideline requirement
of 50.00%. LTV: 58.82% LTV is less than the guideline requirement of 75.00%. Reserves: The 89 months of available reserves are more than the guideline requirement of 3 months. |
PUD | XX | 58.824% | 58.824% | Primary | Cash Out | 641 | 30.71 | XX | 18.16 | $43,000.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$328,323.25 | 10.575% | Alternative | QC Complete | 05/06/2026 | ||||
| 212 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 77.619% | 77.619% | Investor | Purchase | 771 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/26/2026 | ||||||||||||
| 213 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 65.179% | 65.179% | Primary | Refinance | 711 | 0.66 | XX | 8.33 | $15,036.12 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
31.682% | Alternative | QC Complete | 05/06/2026 | ||||||||
| 215 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 70.000% | 70.000% | Primary | Cash Out | 788 | 24 | XX | 5 | $8,347.63 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$474,387.15 | 45.955% | Alternative | QC Complete | 05/05/2026 | |||||||
| 216 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 52.500% | 52.500% | Investor | Cash Out | 681 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$143,931.99 | Alternative | QC Complete | 05/21/2026 | ||||||||||||
| 218 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Insurance premium is missing in hazard insurance document. Provide a copy of insurance with premium. 05/08/2026: Resolved. Received updated HOI with premium. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of Jan 2026 bank statement for account " XX" 05/07/2026; Resolved. The asset is good through 03/XX/2026 and the 12/XX/2025 statement is within 45 days of the application date and the loan closed 03/XX/2026. Asset is not expired. |
Single Family | XX | 59.091% | 59.091% | Primary | Refinance | 732 | 0.75 | XX | 4.5 | $105,367.22 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
19.457% | Alternative | QC Complete | 04/28/2026 | |||||||
| 222 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Borrower Identity Missing - EV R COMMENT: Provide a legible copy of borrower Govt ID. 05/11/2026: Resolved. Received ID |
Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 790 | XX | 2.25 | $167,833.98 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
5.439% | No | Alternative | QC Complete | 05/06/2026 | |||||||
| 223 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) ComplianceEase TRID Tolerance Test is Incomplete -
EV R COMMENT: Missing Initial Closing Disclosure. Resolved 05/27/2026: Received Initial Closing Disclosure dated 05/06/2026 and exception is cleared. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Missing page two of the promissory note. 05/27/2026: Resolved. Received page 2 of Note. |
PUD | XX | 75.000% | 75.000% | Primary | Purchase | 772 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/20/2026 | |||||||||||
| 224 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 75.000% | 75.000% | Investor | Cash Out | 737 | $13,231.04 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$68,724.61 | 43.460% | Alternative | QC Complete | 05/26/2026 | ||||||||||
| 225 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide a copy of supplemental title report , as the proposed title insured amount $XX is inadequate to fully cover the loan amount of $XX. 05/14/2026: Resolved. Received updated title. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide bank statement form Sep 25-2025 to Oct 24-2025, as it is missing 05/13/2026: Resolved. Received bank statements. |
Low Rise Condo (1-4 Stories) | XX | 85.000% | 85.000% | Primary | Purchase | 725 | XX | 2.16 | $9,305.32 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
41.558% | Yes | Alternative | QC Complete | 05/06/2026 | |||||||
| 227 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 785 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/05/2026 | ||||||||||||
| 229 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.412% Allowed 7.520% Overby +0.892% This loan is compliant with regulation 1026.35. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of missing March(2025) month bank statement for XX 04/20/2026: Countered. The print out provided only goes through 03/23/2026. It's not an actual statement that shows a good through date. 04/22/2026: Resolved. Received a printout dated 03/18/2026. *** (CURED) State Higher Price Mortgage Loan - EV R COMMENT: Maryland COMAR 09.03.06.02B(13) , COMAR 09.03.09.02B(6) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Maryland Regulations (COMAR). Higher-Priced Mortgage Loan Test: Charged 8.412% Allowed 7.520% Overby +0.892% This loan is compliant with regulation MD COMAR, (Maryland COMAR 09.03.06.02B(13) , COMAR 09.03.09.02B(6). |
PUD | XX | 80.000% | 80.000% | Primary | Purchase | 699 | XX | 5.66 | $43,535.74 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
25.384% | No | Alternative | QC Complete | 04/07/2026 | |||||||
| 232 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 704 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/06/2026 | ||||||||||||
| 234 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide an updated lease agreement for the subject property XX. Lease agreement in file is expired on 03/31/2026. 05/29/2026: Resolved. Received LOE. Purchase transaction, expired lease so not conveying with property. Using market rent to qualify as worst case since lower than previous expired lease rent amount. |
2 Family | XX | 85.000% | 85.000% | Investor | Purchase | 767 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/21/2026 | |||||||||||
| 235 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 75.000% | 75.000% | Primary | Purchase | 745 | XX | 7.25 | $24,733.55 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
44.234% | No | Alternative | QC Complete | 05/26/2026 | ||||||||
| 235 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide a copy updated of supplemental title report , as the proposed title insured amount $XX is inadequate to fully cover the loan amount of $XX. 05/27/2026: Resolved. Received updated title. |
Single Family | XX | 74.643% | 74.643% | Investor | Cash Out | 782 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$1,588.60 | Alternative | QC Complete | 05/21/2026 | |||||||||||
| 236 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 75.000% | 75.000% | Primary | Purchase | 801 | XX | 4.83 | $10,400.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
29.155% | Yes | Full Documentation | QC Complete | 05/21/2026 | ||||||||
| 237 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: The DOT document reflects only one borrower, while the Note and Credit Report reflect two borrowers. Please provide a corrected DOT that includes the co-borrower’s (XX) name. 05/22/2026: The co-borrower on the loan is a co-signer and is not required to sign the DOT. |
Single Family | XX | 70.000% | 70.000% | Primary | Purchase | 758 | 1.83 | XX | 3.42 | $6,429.65 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
16.994% | Yes | Alternative | QC Complete | 05/13/2026 | ||||||
| 238 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 63.077% | 63.077% | Investor | Purchase | 721 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | DSCR | QC Complete | 05/05/2026 | ||||||||||||
| 239 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 75.000% | 75.000% | Primary | Cash Out | 797 | 3.08 | $3,202.25 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$23,055.58 | 49.075% | Full Documentation | QC Complete | 04/08/2026 | |||||||||
| 240 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Investor | Refinance | 722 | XX | 10.33 | $62,519.14 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
34.300% | Alternative | QC Complete | 05/21/2026 | |||||||||
| 242 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Amount of title insurance is not sufficient to cover the loan amount of $XX, provide a copy of title supplement report 04/16/2026: Resolved. Received updated title. *** (CURED) Condo / PUD rider Missing - EV R COMMENT: Provide a copy of PUD rider as it is missing 04/14/2026: Resolved. Received PUD rider *** (CURED) Required Documentation Missing - EV R COMMENT: Missing Shareholder's agreement and Articles of organization for XX showing 61% ownership of XX. 04/15/2026: Countered. The Articles of organization for XX XXshowing 61% ownership of XXis needed to show proof that xxownership 04/21/2026: Countered. The document provided doesn't mention anything about XX. Need Articles of organization for XX showing 61% ownership of XX 04/29/2026 : Resolved. the borrower has 51% ownership of XX has 61% ownership of XX |
PUD | XX | 70.611% | 70.611% | Primary | Refinance | 729 | 1.5 | XX | 2.41 | $89,269.04 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
31.711% | Alternative | QC Complete | 04/07/2026 | |||||||
| 243 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 743 | XX | 2.66 | $18,646.16 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
28.993% | Yes | Alternative | QC Complete | 04/17/2026 | ||||||||
| 244 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.585% Allowed 7.760% Overby +0.825% This loan is compliant with regulation 1026.35. |
PUD | XX | 90.000% | 90.000% | Primary | Purchase | 722 | XX | 2.16 | $7,486.02 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
39.720% | Yes | Alternative | QC Complete | 05/15/2026 | |||||||
| 246 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 85.000% | 85.000% | Investor | Purchase | 743 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/06/2026 | ||||||||||||
| 247 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Primary | Cash Out | 723 | 3.66 | XX | 15.25 | $57,938.30 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$285,823.76 | 14.951% | Alternative | QC Complete | 05/06/2026 | |||||||
| 251 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 53.235% | 53.235% | Primary | Cash Out | 666 | 26 | XX | 14.33 | $10,538.87 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$276,644.62 | 49.989% | Alternative | QC Complete | 05/26/2026 | |||||||
| 252 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Borrower Identity Missing - EV R COMMENT: Provide a copy of the driving license for borrower "XX", as it is missing. 05/11/2026: Resolved. Received ID |
2 Family | XX | 75.000% | 75.000% | Investor | Refinance | 768 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 05/06/2026 | ||||||||||||
| 253 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 734 | XX | 5.16 | $118,656.38 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
5.285% | Yes | Alternative | QC Complete | 06/08/2026 | ||||||||
| 254 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide an updated hazard insurance for subject property with mortgagee clause reflecting "XX ISAOA/ATIMA". 05/29/2026: Resolved. Received updated insurance |
Low Rise Condo (1-4 Stories) | XX | 85.000% | 85.000% | Investor | Refinance | 779 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 05/26/2026 | ||||||||||||
| 255 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 75.000% | 75.000% | Investor | Purchase | 750 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/13/2026 | ||||||||||||
| 258 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of updated title report or supplemental report for the subject address, as is it missing 04/23/2026: Resolved. Received updated title. |
Single Family | XX | 49.310% | 49.310% | Investor | Refinance | 789 | XX | 5.16 | $13,624.67 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
47.908% | Alternative | QC Complete | 04/07/2026 | ||||||||
| 260 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Stated Asset Qualifier income from 1008 and 1003 is $38,333. however, Asset Qualification calculator reflecting as $3,923.54 - Reviewer calculated income is $28,977.74. 5/13/2026: Resolved. Received letter from underwriter stating There should be no income on Asset qualifier loans, this was included in error. A new 1003 and 1008 were provided. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Use business assets for down payment due to current residence selling after closing vs business assets not permitted per guidelines. Exception Approval Present. |
Low LTV: LTV of 50.17% is less than the maximum guideline
requirement of 80%. Credit Score : 737 exceeds the minimum guideline requirement of 640 $3,927.16 residual income vs min $2,500 required residual income. |
PUD | XX | 50.167% | 50.167% | Primary | Purchase | 737 | $38,333.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
35.169% | No | Alternative | QC Complete | 05/07/2026 | |||||||
| 261 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | XX | 80.000% | 80.000% | Investor | Purchase | 803 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 04/17/2026 | ||||||||||||
| 262 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Proposed title amount is less than the loan amount of $XX 04/30/2026: Resolved. Received updated title. *** (CURED) Hazard Insurance Coverage less than Loan Amount - EV R COMMENT: HOI policy lists coverage amount and replacement coverage enough to cover loan amount. is less than the loan amount of $XX Resolved: 05/06/2026: HOI policy lists coverage amount and replacement coverage enough to cover loan amount. |
2 Family | XX | 57.875% | 57.875% | Investor | Cash Out | 771 | 16 | Mos Reviewed:54 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$746,570.46 | DSCR | QC Complete | 04/27/2026 | ||||||||||
| 264 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide a copy of Title supplemental report, as the amount of title insurance $XX is less than the loan amount $XX 04/20/2026 Resolved : The copy of final Title policy resolves the condition. |
Single Family | XX | 46.471% | 46.471% | Primary | Refinance | 740 | 0.75 | XX | 3.58 | $8,981.15 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
46.449% | Alternative | QC Complete | 04/08/2026 | |||||||
| 267 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide supporting document for the credit liability as it is missing. Inst -XX $24,623 $192.00 04/21/2026: Countered The loanscore card provided does not clear the condition. Need documentation to clear the credit libility Inst - XX $24,623 $192.00 04/28/2026: Resolved. Credit report in file shows this account as paid and at a zero balance. |
Single Family | XX | 72.354% | 72.354% | Primary | Refinance | 777 | 1.75 | XX | 27.16 | $93,871.96 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
27.877% | Alternative | QC Complete | 04/08/2026 | |||||||
| 268 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Investor | Purchase | 775 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/21/2026 | ||||||||||||
| 269 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Primary | Purchase | 759 | $11,452.40 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
28.447% | No | Alternative | QC Complete | 05/13/2026 | ||||||||||
| 270 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 64.286% | 64.286% | Investor | Cash Out | 762 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$272,187.20 | Alternative | QC Complete | 05/06/2026 | ||||||||||||
| 271 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 75.000% | 75.000% | Investor | Purchase | 752 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/26/2026 | ||||||||||||
| 272 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 52.174% | 52.174% | Primary | Cash Out | 736 | 29 | XX | 36.75 | $4,508.95 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$47,030.63 | 41.947% | Alternative | QC Complete | 05/05/2026 | |||||||
| 273 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 66.054% | 66.054% | Primary | Cash Out | 736 | 13.33 | XX | 3.83 | $44,329.07 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$111,247.38 | 17.139% | Alternative | QC Complete | 05/06/2026 | |||||||
| 274 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 70.000% | 70.000% | Investor | Purchase | 774 | XX | 5.83 | $381,934.91 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
2.276% | No | Alternative | QC Complete | 05/06/2026 | ||||||||
| 275 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Final Application Incomplete - EV R COMMENT: Provide a complete copy of the final application, as only 6 of the 15 pages are currently available in the loan file. 05/11/2026: Resolved. Received all pages of 1003. |
Single Family | XX | 80.000% | 80.000% | Primary | Cash Out | 767 | 2.17 | XX | 3.08 | $24,041.09 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$65,371.23 | 25.318% | Alternative | QC Complete | 05/06/2026 | ||||||
| 275 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 59.200% | 59.200% | Primary | Cash Out | 743 | 10.08 | XX | 2.33 | $17,235.76 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$77,304.31 | 39.349% | Alternative | QC Complete | 05/12/2026 | |||||||
| 275 | XX | XX | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: To allow foreign assets that do not need to be moved to US banking institution to qualify. Exception Approval Present. |
Credit Score : 742 exceeds the minimum guideline requirement of
720 LTV: LTV of 80% is less than the maximum guideline requirement of 90%. Actual residual income of $5,751.80 vs required $2,500 |
PUD | XX | 80.000% | 80.000% | Primary | Purchase | 742 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/26/2026 | ||||||||||
| 277 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 75.000% | 75.000% | Investor | Purchase | 729 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/06/2026 | ||||||||||||
| 279 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) ComplianceEase TRID Tolerance Test is Incomplete -
EV R COMMENT: Missing Initial Closing Disclosure. Resolved 05/11/2026: Received Initial Closing Disclosure dated 04/01/2026 and exception is cleared. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Allowing to use VOR from owner when transaction is between landlord and tenant without canceled checks. Exception approval is present |
Credit Score : 729 exceeds the minimum guideline requirement of 700 Low DTI : DTI of 34.45% is less than the maximum guideline requirement of 50%. Reserve : 10.964 months reserves exceed the minimum guideline of 5 months. | PUD | XX | 85.000% | 85.000% | Primary | Purchase | 729 | XX | 4.41 | $11,072.01 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
34.446% | No | Alternative | QC Complete | 05/06/2026 | |||||
| 280 | XX | XX | XX | XX | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Exception to not require a 5% LTV reduction for declining market. Exception approval present |
Credit Score - 754 is exceeding the minimum score of 680. Low LTV: LTV of 75% is less than the maximum guideline requirement of 80%. 10.136 months verified reserves are short of the guideline requirement of 6 months. |
PUD | XX | 75.000% | 75.000% | Investor | Cash Out | 754 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:1 Max Days Dlq Last 12 Mos:30 Verification Type:Credit Report |
$29,368.82 | DSCR | QC Complete | 05/07/2026 | ||||||||||
| 281 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide a copy of supplemental title report , as the proposed title insured amount $XX is inadequate to fully cover the loan amount of $XX 05/07/2026: Resolved. Received updated title. |
Single Family | XX | 73.377% | 73.377% | Investor | Refinance | 668 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 04/17/2026 | ||||||||||||
| 282 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 39.034% | 39.034% | Investor | Purchase | 718 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/26/2026 | ||||||||||||
| 284 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Mid Rise Condo (5-8 Stories) | XX | 66.038% | 66.038% | Investor | Purchase | 804 | XX | 4.58 | $14,124.93 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
48.506% | No | Full Documentation | QC Complete | 05/21/2026 | ||||||||
| 285 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance - EV R COMMENT: Provide a copy of Hazard insurance with Mortgage Clause. 05/19/2026: Countered. the mortgagee clause needs to be complete with ISAOA/ATIMA included. 05/19/2026: Resolved. Received updated HOI with mortgagee clause |
Single Family | XX | 75.000% | 75.000% | Investor | Purchase | 786 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/12/2026 | |||||||||||
| 286 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Coverage amount $XX on the title report is less than the loan amount of XX. Provide a copy of Title supplement to cover the loan amount. 05/29/2026; Resolved Received updated title |
Single Family | XX | 75.000% | 75.000% | Primary | Purchase | 707 | XX | 2.92 | $5,759.80 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
44.934% | Yes | Alternative | QC Complete | 05/21/2026 | |||||||
| 287 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 721 | XX | 4.33 | $21,915.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
33.628% | No | Alternative | QC Complete | 05/06/2026 | ||||||||
| 289 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the Business Purpose Loan Certification, signed by the borrower, as it is missing. 05/29/2026: Resolved. Received Borrower Business Purpose Certification. |
Low Rise Condo (1-4 Stories) | XX | 75.000% | 75.000% | Investor | Purchase | 741 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/27/2026 | |||||||||||
| 293 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 75.000% | 75.000% | Investor | Purchase | 805 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/06/2026 | ||||||||||||
| 299 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) ComplianceEase TRID Tolerance Test Failed - EV R COMMENT: TRID violation due to appraisal fee increase on Final CD dated 04/XX/2026. Initial LE dated 03/XX/2026 reflects appraisal fee as $550.00 however, revised CD dated 04/17/2026 reflects the appraisal fee as $625.00. Require PCCD/COC to cure the tolerance violation of $75.00. Resolved 05/15/2026: Received PCCD dated 05/12/2026 and exception is cleared. |
Single Family | XX | 80.000% | 80.000% | Primary | Cash Out | 796 | 0.16 | XX | 30.16 | $26,720.45 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$399,246.89 | 34.687% | Full Documentation | QC Complete | 05/05/2026 | ||||||
| 300 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Borrower Identity Missing - EV R COMMENT: Provide a copy of govt ID for the borrower (XX) as it is missing. 05/11/2026: Resolved. Received ID *** (CURED) ComplianceEase TILA Test Failed - EV R COMMENT: The final CD reflects a disbursement date of 04/XX/2026, which is the same as the cancellation date reflected on the ROR document. Provide the corrected disbursement date. Resolved 05/12/2026: Received disbursement date 04/XX/2026 and exception is cleared. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the October business bank statement for XX account #XX, as it is currently missing from the loan file. 05/13/2026: Resolved. Received October bank statement |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: NSF event of 14 exceed the guideline requirement of maximum six NSF event in the any 12-month period. Exception approval present |
LTV of 50.78% is less than the maximum guideline requirement of
85%. Residual Income : $1,690.69 monthly ( Calculate it Total income - Total obligation) Reserve : 18 months reserves exceed the minimum guideline of 6 months |
Single Family | XX | 50.778% | 50.778% | Primary | Cash Out | 684 | 28 | $2,529.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$30,649.96 | 49.959% | Alternative | QC Complete | 05/07/2026 | ||||||
| 301 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the gift letter for $11,500.00. We have a gift letter only for $10,000 in the file. 05/08/2026: Resolved. Received a signed gift letter for $11,500.00 *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of Tax Cert for the Subject property. 05/08/2026: Resolved. An underwriter tax summary new construction was provided calculating the tax amount. |
PUD | XX | 80.000% | 80.000% | Primary | Purchase | 708 | XX | 2.83 | $26,018.08 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
48.858% | No | Alternative | QC Complete | 05/05/2026 | |||||||
| 302 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the supporting evidence document receipts HOA fee for the properties #XX, in the amount of $150.00, along with the lender 'XX' corresponding mortgage statements, as it is missing. 05/20/2026: Resolved. Received documentation for the $150.00 and the CD from XX in lieu of the mortgage statement. |
Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Investor | Refinance | 782 | XX | 6 | $340,537.29 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
20.854% | Alternative | QC Complete | 05/13/2026 | ||||||||
| 306 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Final 1003 must be corrected to reflect the co-borrower’s accurate residency status. The government-issued ID indicates ‘Permanent Resident Alien,’ while the application currently reflects ‘U.S. Citizen.’ 04/08/2026: Resolved. Received updated 1003. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the VOR for XX, as the borrower is currently residing in a rented and the document is missing. 04/09/2026: Countered. A VOR will be needed for the correct address of XX/ XX 04/13/2026: Resolved. Received copy of lease agreement and payments are on the bank statements. |
Low Rise Condo (1-4 Stories) | XX | 70.313% | 70.313% | Investor | Cash Out | 799 | XX | 2.16 | $18,191.51 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$306,209.12 | 30.032% | Alternative | QC Complete | 04/01/2026 | |||||||
| 309 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Investor | Purchase | 768 | XX | 2.25 | $52,136.22 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
11.629% | No | Alternative | QC Complete | 05/07/2026 | ||||||||
| 310 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance Coverage less than Loan Amount - EV
R COMMENT: HOI coverage is $XX dwelling. Additional ins. docs in file were not legible. 05/13/2026: Resolved. Received RCE. *** (CURED) Mortgage history for primary residence less than 12 months - EV R COMMENT: Current mortgage on subject properry (per credit supplement) verifies 0x30 from 9/2025 to 4/2026, 5 months. LOX in file indicates living with family 7/2025 to 8/2025. 1003 in file indicates a previous home sold (XX) but mortgage not on credit report and no VOM or documentation verifying it as a free and clear owned property. 05/15/2026: Resolved. Received property detail report for XXshows borrower had no ownershio in this property. *** (CURED) Mortgage Not Recorded - EV R COMMENT: Recording verification not found on the 2 source doc's Resolved 05/12/2026 - Resolved as the mortgage is not required to be recorded at this stage. *** (CURED) Property listed for sale in past 12 months - EV R COMMENT: Cash out loan, need verification of subject purchase date to meet cash out seasoning requirements. 05/15/2026: Resolved. Title shows when property was acquired. |
Single Family | XX | 80.000% | 80.000% | Primary | Cash Out | 767 | 0.58 | $5,527.06 | Mos Reviewed:12 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$115,424.84 | 49.786% | Alternative | QC Complete | 05/08/2026 | ||||||||
| 314 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Automated Appraisal Review Incomplete or Data not
complete - EV R COMMENT: Desk review dated 02/11/2026.Provide an updated desk review (CDA) pulled after the appraisal report dated (03-XX-2026). 04/29/2026: Resolved. Received desk review dated 04/23/2026 *** (CURED) Amount of title insurance is less than mortgage amount - EV R COMMENT: Provide a copy of supplemental title report , as the proposed title insured amount $XX is inadequate to fully cover the loan amount of $XX. Resolved: Received updated title. |
Single Family | XX | 66.593% | 66.593% | Investor | Refinance | 779 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 04/08/2026 | ||||||||||||
| 315 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 729 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/21/2026 | ||||||||||||
| 317 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z Higher-Priced Mortgage Loan Test: Charged 8.592% Allowed 7.910% Overby+0.682% This loan is compliant with regulation 1026.35. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Requesting exception on property type: Barndominium. Exception Approval Present. |
Credit Score : 653 exceeds the minimum guideline requirement of
640 Low DTI : DTI of 23.20% is less than the maximum guideline requirement of 50%. Low LTV: LTV of 51.32% is less than the maximum guideline requirement of 80%. |
Single Family | XX | 51.316% | 51.316% | Primary | Purchase | 653 | XX | 10.08 | $23,491.44 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
23.199% | Yes | Alternative | QC Complete | 05/21/2026 | |||||
| 321 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Investor | Purchase | 726 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/27/2026 | ||||||||||||
| 322 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of updated Hazard insurance including Lender ISAOA/ATIMA clause, as is it missing. 03/24/2026: Resolved. Received loe stating loan is a correspondent loan and the mortgagee clause is the brokers clause. *** (CURED) Required Documentation Missing - EV R COMMENT: 2377-1Provide a copy of updated title report including Lender ISAOA/ATIMA clause, as is it missing. 04/06/2026: Resolved. This is a correspondent loan and the mortgagee reads per the brokers (lenders) requirement not XX. |
Single Family | XX | 36.585% | 36.585% | Primary | Cash Out | 697 | 36 | XX | 52.08 | $6,668.49 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$84,896.95 | 35.954% | Alternative | QC Complete | 03/12/2026 | ||||||
| 323 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 73.874% | 73.874% | Primary | Cash Out | 735 | 1.16 | XX | 23.83 | $67,823.10 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$261,633.79 | 28.560% | Alternative | QC Complete | 05/12/2026 | |||||||
| 325 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 69.354% | 69.354% | Primary | Cash Out | 738 | 0.16 | XX | 9.5 | $81,243.03 | Mos Reviewed:24 Times 1X30:1 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:30 Max Days Dlq Last 12 Mos:30 Verification Type:Credit Report |
$499,042.49 | 32.093% | Alternative | QC Complete | 06/08/2026 | |||||||
| 326 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the Business Purpose Loan Certification, signed by the borrower, as it is missing. 05/15/2026: Resolved. Received Business Purpose & Occupancy Affidavit |
Single Family | XX | 85.000% | 85.000% | Investor | Purchase | 786 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/12/2026 | |||||||||||
| 328 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide a copy of the title supplement to cover the loan amount of $XX 05/21/2026: Resolved. Received updated title with proposed loan amount of $XX |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Requesting exception to waive 12 months prior ownership for rate/term buyout. A copy of an exception approval letter is available in the loan file. |
FICO: 728 FICO exceeds the guideline requirement of 640. Reserves: The 541 months of available reserves are more than the guideline requirement of 3 months. DTI: 11.154% DTI is less than the maximum guideline requirement of 50.00%. |
Single Family | XX | 27.468% | 27.468% | Primary | Refinance | 728 | 27 | XX | 6.66 | $40,515.65 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
11.154% | Alternative | QC Complete | 05/11/2026 | |||||
| 329 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 60.870% | 60.870% | Investor | Purchase | 804 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/08/2026 | ||||||||||||
| 331 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 736 | XX | 3.66 | $11,102.35 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
36.460% | Yes | Alternative | QC Complete | 05/21/2026 | ||||||||
| 332 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Primary | Cash Out | 778 | 4.58 | XX | 5.25 | $8,903.82 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$173,185.61 | 23.377% | Alternative | QC Complete | 05/07/2026 | |||||||
| 333 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 69.116% | 69.116% | Primary | Refinance | 775 | 1 | XX | 0.25 | $18,001.98 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.030% | Full Documentation | QC Complete | 05/21/2026 | ||||||||
| 335 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 75.000% | 75.000% | Primary | Purchase | 758 | XX | 4.66 | $63,951.75 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
44.764% | No | Alternative | QC Complete | 05/07/2026 | ||||||||
| 337 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Title report with sufficient amount of title insurance $XX is missing the proposed insured. Provide an updated title report. 04/28/2026: Resolved. Received updated title. |
Single Family | XX | 85.000% | 85.000% | Primary | Purchase | 744 | XX | 2.25 | $5,622.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
35.499% | Yes | Alternative | QC Complete | 04/23/2026 | |||||||
| 337 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 776 | XX | 11.58 | $9,281.19 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
17.094% | No | Full Documentation | QC Complete | 05/12/2026 | ||||||||
| 340 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Primary | Cash Out | 737 | 4.5 | XX | 4.83 | $16,909.22 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$42,660.15 | 29.017% | Alternative | QC Complete | 04/17/2026 | |||||||
| 342 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | XX | 70.000% | 70.000% | Investor | Purchase | 801 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/12/2026 | ||||||||||||
| 343 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Borrower Identity Missing - EV R COMMENT: Provide a legible GOV ID for both borrowers. 05/28/2026: Resolved. Received valid ID's *** (CURED) Missing Appraisal - EV R COMMENT: Provide a copy of Full Appraisal as it is missing 05/27/2026: Resolved. Received appraisal for $XX |
Single Family | XX | 63.601% | 63.601% | Investor | Cash Out | 735 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$90,332.98 | Alternative | QC Complete | 05/22/2026 | |||||||||||
| 345 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 722 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/21/2026 | ||||||||||||
| 347 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of initial 1003 loan application. 05/12/2026: Resolved. Received initial application |
Single Family | XX | 75.000% | 75.000% | Investor | Cash Out | 751 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$87,470.52 | Alternative | QC Complete | 05/07/2026 | |||||||||||
| 348 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | XX | 81.818% | 81.818% | Investor | Refinance | 768 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 06/08/2026 | |||||||||||||
| 350 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Investor | Purchase | 794 | XX | 11.58 | $54,922.61 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
37.476% | No | Full Documentation | QC Complete | 05/21/2026 | ||||||||
| 351 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 757 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/27/2026 | ||||||||||||
| 354 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 75.000% | 75.000% | Investor | Refinance | 763 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 05/07/2026 | |||||||||||||
| 356 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 39.200% | 39.200% | Secondary | Refinance | 775 | XX | 7.5 | $15,416.66 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
40.454% | Full Documentation | QC Complete | 05/21/2026 | |||||||||
| 357 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Loan does not conform to program guidelines - EV
R COMMENT: Per the guidelines, the maximum allowed mortgage delinquencies in the last 12 months are 1x30 days and 0x60 days. However, this loan shows 1x30x12 days late and 1x60x12 days late, which is not acceptable. 04/20/2026 Countered : The copy of LOX on pg # 334 does say that the property was deeded in the borrower's name and the condition is valid. 04/30/2026: Resolved. Credit supplement shows the mortgage is not in the name of the borrower but in the name of Estate of XX. |
Single Family | XX | 53.905% | 53.905% | Primary | Cash Out | 737 | 6.33 | XX | 15.33 | $128,555.80 | Mos Reviewed:24 Times 1X30:1 Times 1X60:1 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$749,641.46 | 14.877% | Alternative | QC Complete | 04/09/2026 | ||||||
| 360 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Missing Business Purpose & Occupancy Affidavit 05/20/2026: Resolved. Received Business Purpose & Occupancy Affidavit. |
Single Family | XX | 75.000% | 75.000% | Investor | Cash Out | 797 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$167,995.95 | Alternative | QC Complete | 06/08/2026 | |||||||||||
| 362 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: The amount of title insurance of $XX on the Title Commitment is less than the loan amount $XX 4/7/2026 Resolved. Received updated Schedule A verifying coverage of $XX |
2 Family | XX | 72.846% | 72.846% | Primary | Refinance | 752 | 2 | XX | 10.67 | $30,754.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.626% | Alternative | QC Complete | 03/18/2026 | |||||||
| 364 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide HOA document for the property "XX". 05/29/2026: Resolved. Received document for HOA *** (CURED) Reverification within 10 days is missing - EV R COMMENT: Provide an executed VVOE for the employer "XX". 05/13/2026: Resolved. Received VVOE. |
Single Family | XX | 75.000% | 75.000% | Primary | Cash Out | 689 | 3.33 | XX | 6.08 | $12,975.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$31,868.72 | 41.066% | Alternative | QC Complete | 05/07/2026 | ||||||
| 366 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 784 | XX | 17 | $46,000.00 | Mos Reviewed:24 Times 1X30: Times 1X60: Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
24.107% | No | Full Documentation | QC Complete | 05/11/2026 | ||||||||
| 367 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 57.143% | 57.143% | Primary | Purchase | 765 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/12/2026 | ||||||||||||
| 369 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 54.021% | 54.021% | Primary | Cash Out | 662 | 14 | XX | 18.16 | $6,438.69 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$42,946.57 | 47.906% | Alternative | QC Complete | 05/12/2026 | |||||||
| 373 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 753 | XX | 11.25 | $10,380.05 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
42.781% | No | Alternative | QC Complete | 05/27/2026 | ||||||||
| 374 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: The amount of title insurance $XX does not cover the loan amount $XX. Provide a copy of the title supplement report for title policy to cover the loan amount. 05/18/2026: Resolved. Received updated title *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of rent free letter for the property XX, as it is missing. 05/20/2026: Incorrect condition. Resolved. Rent free letter not needed on Smartvest. |
2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 734 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/12/2026 | |||||||||||
| 375 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the receipt or supporting documentation for the supplemental tax or HOA fee in the amount of $61.56 for the property located at XX 05/05/2026: Resolved. Initial 1003 indicated 667.00 for monthly dues. The current appraisal provides the current HOA amount. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Exception to use of retirement assets for Asset based income when borrower is not within three (3) years of retirement age but is 51 months from retirement age. Exception approval present |
Credit Score : 806 exceeds the minimum guideline requirement of
720 Residual Income : $6,477.00 monthly DTI of 41.18% is less than the maximum guideline requirement of 50%. |
Mid Rise Condo (5-8 Stories) | XX | 60.748% | 60.748% | Investor | Purchase | 806 | $11,011.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
40.771% | No | Alternative | QC Complete | 04/23/2026 | |||||||
| 377 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 78.049% | 78.049% | Primary | Cash Out | 780 | 2.58 | XX | 16.16 | $98,913.07 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$500,000.00 | 38.502% | Alternative | QC Complete | 05/08/2026 | |||||||
| 379 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 50.738% | 50.738% | Primary | Cash Out | 785 | 2 | XX | 4.25 | $5,991.62 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$260,302.73 | 48.562% | Alternative | QC Complete | 06/08/2026 | |||||||
| 381 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Automated Appraisal Review Incomplete or Data not
complete - EV R COMMENT: Provide a copy of the secondary valuation. The current valuation on file does not correspond with the listed city name and ZIP code. 04/29/2026: Resolved. Received desk with correct city and zip. |
PUD | XX | 60.976% | 60.976% | Secondary | Purchase | 812 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 04/09/2026 | |||||||||||
| 382 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the Business Purpose Loan Certification, signed by the borrower, as it is missing. 05/27/2026: Resolved. Received Business Purpose & Occupancy Affidavit. |
Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 759 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/21/2026 | |||||||||||
| 383 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 50.000% | 50.000% | Investor | Purchase | 798 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/07/2026 | ||||||||||||
| 384 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 33.500% | 33.500% | Investor | Refinance | 798 | XX | 4.5 | $469,761.09 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
4.687% | Alternative | QC Complete | 03/30/2026 | |||||||||
| 385 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance Coverage less than Loan Amount - EV
R COMMENT: The property is documented as a PUD not a Condo therefore hazard insurance coverage must be equal to or less than the new loan amount. This is unless a RCE prepared by the hazard insurance provider is provided to document that the proposed coverage of XX is sufficient to rebuild the subject entirely. Provide a copy of the Replacement Cost Estimator prepared by the hazard insurance provider, as is currently, the dwelling coverage is insufficient in the amount of $XX since the new loan amount is $XX. 05/08/2026: Resolved. Received insurance with building coverage of $XX |
PUD | XX | 68.966% | 68.966% | Primary | Purchase | 789 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 04/23/2026 | |||||||||||
| 387 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 59.983% | 59.983% | Primary | Cash Out | 678 | 23.25 | 3.08 | $3,095.85 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$76,205.38 | 44.434% | Alternative | QC Complete | 03/30/2026 | ||||||||
| 388 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 85.000% | 85.000% | Investor | Purchase | 796 | $13,599.23 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
41.751% | No | Full Documentation | QC Complete | 05/12/2026 | ||||||||||
| 390 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Allowed 8.242% Charged 7.720% Overby +0.522% This loan is compliant with regulation 1026.35. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide an executed VVOE for the employer "XX". 05/13/2026: Resolved. Received VVOE. |
Single Family | XX | 75.000% | 75.000% | Primary | Cash Out | 692 | 10 | XX | 10.25 | $12,427.11 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$97,893.37 | 44.202% | Alternative | QC Complete | 05/08/2026 | ||||||
| 394 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 78.757% | 78.757% | Primary | Purchase | 773 | XX | 4.83 | $21,885.05 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
48.880% | No | Full Documentation | QC Complete | 05/27/2026 | ||||||||
| 396 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Primary | Purchase | 736 | XX | 2.83 | $18,774.74 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
28.082% | No | Alternative | QC Complete | 05/14/2026 | ||||||||
| 400 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 55.821% | 55.821% | Primary | Cash Out | 732 | 17 | XX | 42.16 | $17,040.17 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$337,983.09 | 28.351% | Alternative | QC Complete | 05/12/2026 | |||||||
| 403 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: 6.The amount of title insurance $XX does not cover the loan amount $XX. Provide a copy of the title supplement report to cover the loan amount. 05/15/2026: Resolved. Received updated title. |
Single Family | XX | 75.000% | 75.000% | Investor | Purchase | 754 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/12/2026 | |||||||||||
| 404 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Primary | Cash Out | 727 | 6 | XX | 2.83 | $31,590.31 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$35,733.34 | 8.998% | Alternative | QC Complete | 05/26/2026 | |||||||
| 406 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Borrower Identity Missing - EV R COMMENT: Provide copy of driver's license or other acceptable form of Identification for borrower (XX), as it is missing. 05/28/2026: Resolved. Received valid ID's |
Single Family | XX | 30.000% | 30.000% | Investor | Cash Out | 749 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$35,372.24 | Alternative | QC Complete | 05/22/2026 | |||||||||||
| 406 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Appraisal incomplete (missing map, layout, pages,
etc) - EV R COMMENT: Appraisal reflects subject occupancy as owner occupied; however, loan file indicates investment property refinance. Provide appraiser clarification and/or updated appraisal confirming subject occupancy status. 05/22/2026: Resolved. Received updated appraisal. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Requesting an exception for seasoning on a cash out refinance. Added to title 1/21/26 (Per notes, borrower inherited property upon passing of father. Mother, who is still living, transferred the property to the borrower.) A copy of an exception approval letter is available in the loan file. |
LTV: 60.00% LTV is less than the guideline requirement of
75.00%. DTI: 40.898% DTI is less than the maximum guideline requirement of 50.00%. FICO: 733 FICO exceeds the guideline requirement of 720. |
Low Rise Condo (1-4 Stories) | XX | 60.000% | 60.000% | Investor | Cash Out | 733 | XX | 9.33 | $16,413.22 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$241,558.71 | 40.899% | Full Documentation | QC Complete | 06/08/2026 | |||||
| 407 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the Business Purpose Loan Certification, signed by the borrower, as it is missing. 05/15/2026: Resolved. Received Business Purpose & Occupancy Affidavit |
2 Family | XX | 75.000% | 75.000% | Investor | Cash Out | 732 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$63,322.85 | Alternative | QC Complete | 05/12/2026 | |||||||||||
| 407 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 64.000% | 73.961% | Primary | Cash Out | 775 | 13.08 | $8,963.58 | Mos Reviewed: Times 1X30: Times 1X60: Times 1X90: Currently Delinquent? : Total Delinquent: Mortgage/Rent Dlq Last 12 Mos: Max Days Dlq Last 12 Mos: Verification Type: |
$202,579.39 | 48.941% | Full Documentation | QC Complete | 05/11/2026 | |||||||||
| 410 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 766 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/21/2026 | ||||||||||||
| 411 | XX | XX | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Requesting SLE for FTHB with no housing history Exception approval present |
784 exceeds the minimum guideline requirement of 700 LTV of 70.51% is less than the maximum guideline requirement of 85%. DTI of 31.77% is less than the maximum guideline requirement of 50%. |
Single Family | XX | 70.509% | 70.509% | Primary | Purchase | 784 | XX | 3.08 | $12,553.71 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
31.772% | Yes | Alternative | QC Complete | 05/13/2026 | ||||||
| 412 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing credit report - EV R COMMENT: Provide a copy of credit report for the borrower (XX) as it is missing. 05/28/2026: Resolved. Received copy of credit report. |
Single Family | XX | 75.000% | 75.000% | Investor | Purchase | 755 | Mos Reviewed: Times 1X30: Times 1X60: Times 1X90: Currently Delinquent? : Total Delinquent: Mortgage/Rent Dlq Last 12 Mos: Max Days Dlq Last 12 Mos: Verification Type: |
No | DSCR | QC Complete | 05/22/2026 | |||||||||||
| 413 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: The amount of proposed Lender's coverage on the Title Commitment is less than the loan amount. The document reflects coverage in the amount of $XX, however, the Note reflects a loan amount of $XX 05/14/2026: Resolved. Received updated title. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: The first page of the LoanScorecard Findings is missing. Provide a complete copy including all pages. 5/13/2026: Resolved. Received Loanscore card. |
3 Family | XX | 75.000% | 75.000% | Investor | Cash Out | 767 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$59,882.06 | Alternative | QC Complete | 05/08/2026 | |||||||||||
| 415 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 813 | XX | 8.41 | $36,110.24 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
16.093% | Yes | Alternative | QC Complete | 05/22/2026 | ||||||||
| 417 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 7.967% Allowed 7.480% Overby +0.487% This loan is compliant with regulation 1026.35. *** (CURED) Missing Required Disclosures - EV R COMMENT: Provide full month bank statement for the month Jan-2025, as the file currently contains only one page, with all other pages missing. 04/20/2026 Resolved : The copy of full month bank statement for Jan resolves the condition. |
Single Family | XX | 80.000% | 80.000% | Primary | Cash Out | 708 | 6 | XX | 4.33 | $26,647.12 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$37,885.23 | 24.481% | Alternative | QC Complete | 04/09/2026 | ||||||
| 418 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: The amount of title insurance $XX does not cover the loan amount $XX. Provide a copy of the title supplement report to cover the loan amount. 05/05/2026: Resolved. Received updated title. |
Single Family | XX | 65.077% | 65.077% | Primary | Cash Out | 690 | 30 | $4,074.37 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$132,114.28 | 38.598% | Alternative | QC Complete | 04/29/2026 | ||||||||
| 419 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Hazard Insurance Coverage less than Loan Amount - EV
R COMMENT: Hazard insurance dwelling coverage of $XX is does not cover the loan amount $XX. Provide a copy of the replacement cost estimator or update the hazard insurance policy to cover the loan amount. 05/01/2026: Countered. Increased coverage or a replacement cost estimator is still needed with a H03 policy. 05/11/2026: Countered. Coverage amount has been cleared but please confirm what is included in other perils. 05/12/2026: Resolved. Received Fannie Mae updates for HOI. |
Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 744 | $17,772.91 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
44.733% | No | Full Documentation | QC Complete | 04/24/2026 | |||||||||
| 421 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 72.656% | 72.656% | Investor | Refinance | 762 | XX | 29.16 | $89,207.99 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
31.018% | Alternative | QC Complete | 03/27/2026 | |||||||||
| 422 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 75.000% | 75.000% | Investor | Refinance | 768 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 05/22/2026 | |||||||||||||
| 423 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 2 | 2 | 1 | 1 | No | No | *** (CURED) ComplianceEase TILA Test Failed - EV R COMMENT: The Final CD shows a funding date of 03/02/XX - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. Not Resolved 03/XX/2026: Final CD disbursement date 03/XX/2026 and received ROR document Cancel date also 03/XX/2026, Need correct disbursement date. Resolved 03/19/2026: Received disbursement date 03/XX/2026 and exception is cleared. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Borrower Fico score of 737 does not meet the minimum guideline requirement of 740. 03/30/2026: Waived: Compensating Factors: LTV: 79.73% FICO: 737, DTI: 36.64, Reserves: $201,000.00 *** (WAIVED) Required Documentation Missing - EV W COMMENT: LTV of 80% does not meet the guideline requirement of minimum LTV of 75%. Full exception approval is required. The exception approval email is incomplete and is missing comp factors. 03/18/2026: Waived Comp factors provided. Minimum FICO: 754 (current score: 737. Maximum DTI: 35% (current DTI: 26.64%), Maximum LTV: 80% (current LTV: 79.734%), Minimum Reserves: $250,000 (current reserves: $201,000) |
DTI: 26.58% DTI is less than the maximum guideline requirement
of 45.00%. Reserves: The 18 months of available reserves are more than the guideline requirement of 9 months 737 exceeds the minimum guideline requirement of 680. DTI of 26.58% is less than the maximum guideline requirement of 50%. |
Single Family | XX | 79.520% | 79.520% | Primary | Refinance | 737 | 1.16 | XX | 7.66 | $90,771.55 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
26.581% | Alternative | QC Complete | 03/12/2026 | |||||
| 425 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 75.000% | 75.000% | Investor | Cash Out | 757 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$13,103.50 | Alternative | QC Complete | 05/18/2026 | ||||||||||||
| 426 | XX | XX | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Missing tax transcript for the year 2023. Full exception approval is required. The exception approval email is incomplete and is missing detail comp factors. 04/01/2026: Waived Received comp factors: Reduction of P&I payment from $11340 to $7,095. Reserves of $324,000.00 vs $30,000 required. LTV: 56.843. DTI: 27.610 |
70.64 months reserves exceed the minimum guideline of 6
months. LTV of 56.84% is less than the maximum guideline requirement of 75% DTI of 27.61% is less than the maximum guideline requirement of 50%. |
PUD | XX | 56.842% | 56.842% | Primary | Refinance | 708 | 1.75 | XX | 10.17 | $36,580.33 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
27.406% | Full Documentation | QC Complete | 03/26/2026 | ||||||
| 427 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 74.426% | 74.426% | Investor | Refinance | 783 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 05/08/2026 | |||||||||||||
| 429 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 90.000% | 90.000% | Primary | Purchase | 734 | XX | 2.08 | $15,493.40 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
36.906% | Yes | Alternative | QC Complete | 05/22/2026 | ||||||||
| 430 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | High Rise Condo (>=9 Stories) | XX | 65.000% | 65.000% | Investor | Purchase | 802 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/26/2026 | ||||||||||||
| 431 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 75.000% | 75.000% | Investor | Purchase | 765 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/12/2026 | ||||||||||||
| 433 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 49.020% | 49.020% | Investor | Cash Out | 784 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$2,367.40 | Alternative | QC Complete | 05/12/2026 | ||||||||||||
| 434 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 67.200% | 67.200% | Primary | Refinance | 761 | 1 | XX | 3.16 | $145,133.08 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
8.414% | Alternative | QC Complete | 05/22/2026 | ||||||||
| 435 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide documentation confirming that the $XX lien with XX has been released. 03/31/2026: Countered. Title states to be removed at time of final settlement based on lienholder recording mortgage satisfaction and will not be reflected on final loan policy. However this lien was not reflected as being paid on the final CD signed at closing. Additional proof that lien has been paid and will be released will be needed. 04/06/2026: Resolved. Received Certificate and affidavit of satisfaction. |
Single Family | XX | 58.919% | 58.919% | Investor | Cash Out | 761 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$56,582.79 | Alternative | QC Complete | 03/24/2026 | |||||||||||
| 436 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) ComplianceEase TRID Tolerance Test is Incomplete -
EV R COMMENT: Missing Initial Closing Disclosure. Resolved 05/19/2026: Received Initial Closing Disclosure dated 04/XX/2026 and exception is cleared. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the updated title report reflecting the subject property address, XX, as is it missing. 05/19/2026: Resolved received updated title. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Loan exception comments : 704 FICO vs 720 FICO required for 90% LTV Guidelines, for primary residence purchase loans, the minimum allowed FICO is 720 with an LTV/CLTV of 90%. The borrower’s credit FICO is 704, and the LTV/CLTV is 90%, which does not meets the guideline requirements. |
704 exceeds the minimum guideline requirement of 720 DTI of 36.97% is less than the maximum guideline requirement of 50%. LTV of 90% is greater than the maximum guideline requirement of 90%. |
Single Family | XX | 90.000% | 90.000% | Primary | Purchase | 704 | XX | 11.17 | $52,379.70 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
36.970% | No | Alternative | QC Complete | 05/14/2026 | |||||
| 437 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 76.382% | 76.382% | Investor | Cash Out | 770 | XX | 16.25 | $64,840.18 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$2,000.00 | 30.295% | Alternative | QC Complete | 03/30/2026 | ||||||||
| 438 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 60.000% | 60.000% | Primary | Purchase | 680 | XX | 8.33 | $16,680.36 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
44.337% | No | Alternative | QC Complete | 05/22/2026 | ||||||||
| 439 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 40.000% | 40.000% | Primary | Refinance | 804 | 1 | XX | 12.83 | $3,910.37 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.991% | Alternative | QC Complete | 05/27/2026 | ||||||||
| 441 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Mid Rise Condo (5-8 Stories) | XX | 23.276% | 23.276% | Primary | Cash Out | 680 | 0.66 | XX | 25.33 | $14,577.86 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$119,826.54 | 48.658% | Alternative | QC Complete | 05/22/2026 | |||||||
| 442 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 78.750% | 78.750% | Primary | Refinance | 712 | 2 | XX | 1.58 | $58,865.74 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
20.912% | Alternative | QC Complete | 05/07/2026 | ||||||||
| 443 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Mid Rise Condo (5-8 Stories) | XX | 80.000% | 80.000% | Investor | Purchase | 741 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/22/2026 | ||||||||||||
| 444 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: ( 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.646% Allowed 7.760% Oevrby +0.886% This loan is compliant with regulation 1026.35. |
Single Family | XX | 90.000% | 90.000% | Primary | Purchase | 773 | XX | 7.25 | $12,388.17 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
32.681% | Yes | Alternative | QC Complete | 05/27/2026 | |||||||
| 446 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 774 | XX | 30.83 | $8,639.76 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.975% | No | Full Documentation | QC Complete | 05/11/2026 | ||||||||
| 447 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: The amount of title insurance $XXdoes not cover the loan amount $XX. Provide a copy of the title supplement report to cover the loan amount with ISAOS Clause. 04/23/2026: Resolved. Received updated title. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: FTHB living rent free for more than 5 years with no history of housing payment Exception approval present |
754 exceeds the minimum guideline requirement of 700 DTI of 41.89% is less than the maximum guideline requirement of 50%. LTV of 68% is less than the maximum guideline requirement of 85%. |
Single Family | XX | 68.000% | 68.000% | Primary | Purchase | 754 | XX | 3.16 | $8,749.27 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
41.886% | Yes | Alternative | QC Complete | 04/16/2026 | |||||
| 449 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Investor | Refinance | 782 | XX | 5.33 | $340,537.29 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
21.592% | Alternative | QC Complete | 05/27/2026 | |||||||||
| 450 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Investor | Refinance | 782 | XX | 5.33 | $340,537.29 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
22.197% | Alternative | QC Complete | 05/27/2026 | |||||||||
| 455 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | XX | 80.000% | 80.000% | Investor | Purchase | 756 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/08/2026 | ||||||||||||
| 458 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Secondary | Purchase | 786 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/27/2026 | ||||||||||||
| 461 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Missing Required Disclosures - EV R COMMENT: Business formation document (active status) missing for both businesses "XX". 04/03/2026: Resolved. Received Entity good standing document. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of HOA document for Property address "XX" 03/31/2026: Resolved. Received proof of no HOA |
Single Family | XX | 69.710% | 69.710% | Primary | Refinance | 773 | 1.58 | XX | 4.83 | $32,887.14 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
26.769% | Alternative | QC Complete | 03/25/2026 | |||||||
| 463 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: The coverage amount of $XX on the title report is less than the mortgage loan amount of $XX. Provide a copy of the Title Supplement reflecting coverage for the full loan amount. 03/25/2026: Resolved: Received updated title. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of updated Lease agreement for the property address : XX. 03/31/2026: Countered. The letter provided is not an updated lease signed by the tenant and landlord. It is a letter of Attornment. An updated lease signed by the tenant and landlord will be needed. 04/03/2026: Resolved. Received Attornment and copy of lease. |
2 Family | XX | 79.000% | 79.000% | Investor | Cash Out | 766 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$679.25 | Alternative | QC Complete | 03/13/2026 | |||||||||||
| 465 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Missing Business Purpose Affidavit. 04/22/2026: Resolved. Received Business Purpose and Occupancy Affidavit. |
Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 804 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 06/08/2026 | |||||||||||
| 469 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 75.000% | 75.000% | Investor | Cash Out | 763 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$27,692.49 | Alternative | QC Complete | 05/08/2026 | ||||||||||||
| 474 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the VOM for the property located at XX to verify the payment history. 04/01/2026: Countered. A VOM or credit supplement is needed. The document provided was just a mortgage statement. 04/06/2026: Countered. The borrowers are owners of the company the XX. A VOM is needed. 04/14/2026: resolved. The Drive report doesn't show anything for XX being in the borrower's personal name. nor does the MERS Report. the billing statement provided shows in the business name |
Single Family | XX | 70.946% | 70.946% | Investor | Cash Out | 768 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$80,323.18 | Alternative | QC Complete | 03/25/2026 | |||||||||||
| 475 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 733 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/12/2026 | ||||||||||||
| 477 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 75.000% | 75.000% | Primary | Purchase | 783 | XX | 4.16 | $10,837.15 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
31.895% | No | Alternative | QC Complete | 04/10/2026 | ||||||||
| 478 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 61.905% | 61.905% | Primary | Refinance | 737 | 2 | XX | 5.83 | $15,074.49 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
41.036% | Alternative | QC Complete | 05/08/2026 | ||||||||
| 480 | XX | XX | XX | XX | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: 719 vs 720 FICO needed Exception approval present |
719 exceeds the minimum
guideline requirement of 700 LTV of 74.29 % is less than the maximum guideline requirement of 85%. 6 months reserves exceed the minimum guideline of 3 months. |
PUD | XX | 74.286% | 74.286% | Investor | Purchase | 719 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/08/2026 | ||||||||||
| 481 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 65.000% | 65.000% | Investor | Cash Out | 730 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$97,656.73 | Alternative | QC Complete | 05/08/2026 | ||||||||||||
| 482 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 42.553% | 42.553% | Primary | Cash Out | 723 | 3.25 | XX | 3.5 | $10,245.33 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$37,738.90 | 49.373% | Alternative | QC Complete | 05/12/2026 | |||||||
| 484 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: The amount of proposed Lender's coverage on the Title Commitment is less than the loan amount. The document reflects coverage in the amount of $XX, however, the Note reflects a loan amount of $XX. 05/14/2026: Resolved. Received updated title. *** (CURED) ComplianceEase TRID Tolerance Test is Incomplete - EV R COMMENT: Missing Initial Closing Disclosure. Resolved 05/13/2026: Received Initial Closing Disclosure dated 04/08/2026 and exception is cleared. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the Business Purpose Loan Certification, signed by the borrower, as it is missing. 05/13/2026: Resolved. Received Business Purpose & Occupancy Affidavit. |
2 Family | XX | 75.000% | 75.000% | Investor | Cash Out | 804 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$160,621.69 | Alternative | QC Complete | 05/08/2026 | |||||||||||
| 486 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 70.000% | 70.000% | Primary | Purchase | 787 | XX | 3.83 | $15,248.75 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.179% | No | Alternative | QC Complete | 05/08/2026 | ||||||||
| 487 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 85.000% | 85.000% | Primary | Purchase | 736 | XX | 2.92 | $70,818.13 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
17.853% | No | Alternative | QC Complete | 05/15/2026 | ||||||||
| 488 | XX | XX | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Borrower does not meet two years self employment with 25% ownership interest in a business. A copy of an exception approval letter is available in the loan file. |
LTV: 55.00% LTV is less than the guideline requirement of
80.00%. FICO: 740 FICO exceeds the guideline requirement of 700. DTI: 4.34% DTI is less than the maximum guideline requirement of 50.00%. |
Single Family | XX | 55.000% | 55.000% | Primary | Cash Out | 740 | 13.08 | XX | 19.08 | $52,321.24 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$62,323.70 | 4.335% | Alternative | QC Complete | 06/08/2026 | |||||
| 489 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Loan scorecard 1st page is missing, provide a copy of updated loan scorecard. 05/14/2026: Resolved. Received Loanscore card. |
Single Family | XX | 80.000% | 80.000% | Primary | Refinance | 740 | 11.58 | XX | 13.25 | $18,333.48 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
43.399% | Alternative | QC Complete | 05/08/2026 | |||||||
| 492 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide an updated Deed of Trust (DOT) resolve the trust name discrepancy, as the Note and Trust documents the Trustee name reflecting 'XX' and Deed of Trust (DOT) document reflecting 'XX, there is a mismatch in the middle name. 05/15/2026; Resolved. Received corrected DOT |
High Rise Condo (>=9 Stories) | XX | 75.000% | 75.000% | Investor | Purchase | 784 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 04/29/2026 | |||||||||||
| 493 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide Supporting document for housing expense $60.76 05/20/2026: Countered. The signed CD shows the taxes at $267.90 per month for the taxes which is the amount listed on the final 1008. No proof of increased taxes were provided. Will need supporting documentation for the increase in real estate taxes to cover the additional $60.76. 05/22/2026: Received property tax certificate. |
PUD | XX | 80.000% | 80.000% | Primary | Purchase | 758 | XX | 6.42 | $9,157.35 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
44.053% | No | Alternative | QC Complete | 05/08/2026 | |||||||
| 494 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 85.000% | 85.000% | Primary | Purchase | 744 | XX | 4.83 | $28,709.30 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
19.704% | Yes | Alternative | QC Complete | 05/12/2026 | ||||||||
| 496 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 728 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/12/2026 | ||||||||||||
| 498 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: The amount of title insurance of $XX on the Title Commitment is less than the loan amount $XX 03/27/2026: Resolved. Received updated title. *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 7.999% Allowed 7.480% Overby +0.519%. This loan is compliant with regulation 1026.35. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of assets documents to cover the required reserves of $11,625.78 03/30/2026: Countered. Need an actual exception form completed with compensating factors. 04/03/2026: Resolved. Guidelines state that Rate/Term refinance transactions do not require reserves if the loan amount is < $1.5M, it's a primary residence, the mortgage history is 0x30x12, te subject property hosuing payment is decreasing, and borrower does not have a prior bankruptcy, foreclosure, shortsale, DIL, preforeclosure, or ortgage charge-off. |
Single Family | XX | 84.361% | 84.361% | Primary | Refinance | 706 | 1.33 | XX | 9.16 | $18,395.63 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
34.523% | Alternative | QC Complete | 03/25/2026 | |||||||
| 499 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 44.444% | 44.444% | Primary | Purchase | 676 | XX | 51.83 | $4,396.18 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
48.905% | Yes | Full Documentation | QC Complete | 05/13/2026 | ||||||||
| 504 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: The amount of title insurance $XX does not cover the loan amount $XX. Provide a copy of the title supplement report to cover the loan amount. 04/08/2026: Resolved. Received updated title. |
Single Family | XX | 64.286% | 64.286% | Primary | Cash Out | 751 | 2 | XX | 15.08 | $53,856.25 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$218,389.74 | 31.212% | Alternative | QC Complete | 03/12/2026 | ||||||
| 506 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 763 | XX | 0.5 | $36,433.16 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
33.416% | No | Full Documentation | QC Complete | 06/08/2026 | ||||||||
| 507 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide an updated Loan scorecard with 1st page as it is missing 04/01/2026: Resolved. Received Loanscore card *** (CURED) Required Documentation Missing - EV R COMMENT: Provide supporting document for the liabilities as it is missing. XX 04/03/2026: Resolved; Received loe that states The XX statement shows that this is an open account and also a revolving account. the open account is for $3,485.93 which is listed and we have enough assets to cover this balance. The full payment that is due is $5,273.96 which is the open balance of $3,485.93 and the revolving payment of $1,788.03 which shows $1,789.00 in our system and being hit in ratios. for the XX of a monthly payment of $155, this is showing on the credit report with a balance of $3,090 and we used 5% of balance to qualify. |
Single Family | XX | 58.438% | 58.438% | Primary | Cash Out | 742 | 0.75 | XX | 14.42 | $21,710.17 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$124,846.32 | 47.438% | Alternative | QC Complete | 03/26/2026 | ||||||
| 509 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z Higher-Priced Mortgage Loan Test: Charged 8.850% Allowed 7.480% Overby+1.370% This loan is compliant with regulation 1026.35. |
Single Family | XX | 90.000% | 90.000% | Primary | Purchase | 723 | XX | 6.75 | $12,724.73 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
35.474% | No | Alternative | QC Complete | 04/17/2026 | |||||||
| 512 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | XX | 70.313% | 70.313% | Investor | Cash Out | 732 | XX | 13.92 | $102,163.30 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$272,705.79 | 15.899% | Alternative | QC Complete | 05/07/2026 | ||||||||
| 513 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of LOX for the liability account TXX, excluded in DTI Calculation. Resolved: Received LOX stating the XX and XX credit cards were paid off and there are current credit card statements in the file reflecting zero balance. The XX was a cargeoff.24 months. |
Single Family | XX | 30.600% | 30.600% | Primary | Cash Out | 673 | 23 | XX | 6.25 | $4,829.77 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$13,191.17 | 44.664% | Alternative | QC Complete | 04/27/2026 | ||||||
| 515 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 65.000% | 65.000% | Investor | Cash Out | 770 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$136,638.04 | Alternative | QC Complete | 04/02/2026 | ||||||||||||
| 519 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Secondary | Purchase | 784 | XX | 4.08 | $141,548.76 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
17.273% | No | Alternative | QC Complete | 05/12/2026 | ||||||||
| 521 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: The executed 1-4 Family Rider is missing; the copy in the file is not signed. 04/21/2026: Resolved. Received 1-4 rider |
Single Family | XX | 74.548% | 74.548% | Investor | Cash Out | 766 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$114,242.72 | Alternative | QC Complete | 04/15/2026 | |||||||||||
| 522 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 74.375% | 74.375% | Investor | Refinance | 704 | XX | 4.91 | $64,716.09 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
12.475% | Alternative | QC Complete | 05/13/2026 | |||||||||
| 526 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Primary | Cash Out | 749 | 6.33 | XX | 12.25 | $11,832.75 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$71,764.74 | 48.983% | Alternative | QC Complete | 05/14/2026 | |||||||
| 527 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of tax certificate or tax info for subject property to verify the monthly tax amount of $1,490.27 as it is missing. 03/25/2026: Countered: A copy of the actual tax certificate or tax information from the title company is needed to verify the tax amount of $1,490.27. 04/03/2026: Resolved. Received Used last years invoice, closing corp smart fees transaction detail and calculated taxes without giving them exemptions. |
PUD | XX | 80.000% | 80.000% | Primary | Purchase | 721 | XX | 5.58 | $45,402.50 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
43.506% | No | Full Documentation | QC Complete | 03/12/2026 | |||||||
| 532 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: The amount of title insurance $XX does not cover the loan amount $XX. Provide a copy of the title supplement report to cover the loan amount. 04/01/2026: Resolved. Received updated title. |
Single Family | XX | 59.880% | 59.880% | Primary | Cash Out | 731 | 3.08 | XX | 2.83 | $344,111.98 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$193,063.21 | 1.215% | Alternative | QC Complete | 03/26/2026 | ||||||
| 533 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 36.699% | 36.699% | Secondary | Cash Out | 666 | $9,237.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$37,567.13 | 47.377% | Alternative | QC Complete | 05/08/2026 | ||||||||||
| 537 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 75.000% | 75.000% | Investor | Purchase | 730 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/08/2026 | ||||||||||||
| 538 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 3 Family | XX | 70.000% | 70.000% | Investor | Purchase | 756 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/08/2026 | ||||||||||||
| 540 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Automated Appraisal Review Missing - EV R COMMENT: Provide a copy of CDA as it is missing 04/21/2026: Resolved. No CDA required. 2 full appraisals were used. *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of 1 month consecutive Bank statement of XX which is missing 04/20/2026: Resolved. Received January 1-February 28, 2026 statement. |
Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 780 | XX | 6.5 | $14,925.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
41.488% | Yes | Full Documentation | QC Complete | 04/15/2026 | |||||||
| 541 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of the Business Purpose Loan Certification, signed by the borrower, as it is missing. 04/30/2026: Resolved. Received Business Purpose & Occupancy Affidavit. *** (CURED) Subject or Comp Photos are missing or illegible - EV R COMMENT: Rent comparable photos are missing from the loan package. Provide photos of all rent comparables listed in the appraisal. 05/11/2026: Resolved. Received rent comp photos |
Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 766 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 04/28/2026 | |||||||||||
| 542 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 769 | XX | 8.08 | $23,903.76 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
38.335% | Yes | Alternative | QC Complete | 04/02/2026 | ||||||||
| 544 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: Provide a copy of the receipt or supporting documentation for payment of $1,235.00 for property #XX (e.g., property tax, hazard insurance, or HOA dues). 05/21/2026: Resolved. Received proof of HOA |
Single Family | XX | 60.000% | 60.000% | Primary | Cash Out | 666 | XX | 2.66 | $29,099.05 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$654,542.18 | 40.677% | Alternative | QC Complete | 05/08/2026 | |||||||
| 547 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 75.000% | 75.000% | Investor | Cash Out | 721 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$92,398.95 | Alternative | QC Complete | 05/13/2026 | ||||||||||||
| 548 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 75.000% | 75.000% | Investor | Purchase | 794 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
41.960% | No | Alternative | QC Complete | 05/12/2026 | |||||||||||
| 551 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Investor | Purchase | 763 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 04/02/2026 | ||||||||||||
| 552 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of proof document for Net rental income $3,900 for the subject property XX. 04/23/2026: Resolved. Received the following LOE form 1025 reflects market rents of $6,000 for unit 1 and $5,500 for unit 2. UW utilized the lower -supported market rent of $5,5-- amd applied 75% rent factor, resulting in net qualifing rental income of $4,125 for the additional unit. this is a 2-unit owner-occupied purchase; appraisal-supported market rent is permitted when no lease is in place, rental income is included in income, and PITIA is included as a liability for 2-4 unit OO propertied. guideline support: section 8A.6(f)(v)-(vi), p. 112. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Using 90% of the XX business bank account vs Max 75% of lender guideline. Exception Approval present. 04/23/2026: countered. Received a copy of appraisal. What is needed is Using 90% of the XX business bank account vs Max 75% of lender guideline. Exception Approval present. |
808 exceeds the minimum guideline requirement of 720 19.759 months reserves exceed the minimum guideline of 3 months. DTI of 48.74% is less than the maximum guideline requirement of 50%. |
2 Family | XX | 68.944% | 68.944% | Primary | Purchase | 808 | XX | 9.75 | $82,966.68 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
41.716% | No | Alternative | QC Complete | 04/13/2026 | |||||
| 553 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 49.213% | 49.213% | Investor | Cash Out | 694 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$83,330.40 | Alternative | QC Complete | 03/27/2026 | ||||||||||||
| 555 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide a copy of the title supplement report to cover the loan amount, The amount of title insurance $XX does not cover the loan amount $XX. 05/14/2026: Resolved. Received updated title. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide the business bank statements for XX account #XX for the period from 1/1/2026 to 1/31/2026, reflecting an ending balance of $20,820.07, to verify the assets. 05/13/2026: Resolved. Received statement dated 02/14/2026 with balance of $496,902.69 |
Single Family | XX | 73.529% | 73.529% | Primary | Purchase | 712 | XX | 14.18 | $21,645.79 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
44.389% | No | Alternative | QC Complete | 05/08/2026 | |||||||
| 556 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 64.190% | 64.190% | Primary | Cash Out | 697 | 24.5 | XX | 16 | $22,643.02 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$113,735.55 | 19.027% | Alternative | QC Complete | 05/08/2026 | |||||||
| 560 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 73.833% | 73.833% | Investor | Refinance | 768 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 05/08/2026 | |||||||||||||
| 562 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Title issue - EV R COMMENT: The title report reflects the title company name as XX, while the Closing Protection Letter and Final Closing Disclosure reflect the title company name as XX. Provide an explanation for the discrepancy in the title company name or an updated title report. 04/21/2026: Resolved. Received updated title |
Single Family | XX | 75.000% | 75.000% | Investor | Refinance | 728 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 03/13/2026 | ||||||||||||
| 567 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 793 | XX | 2.25 | $16,614.99 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
48.794% | Yes | Alternative | QC Complete | 05/11/2026 | ||||||||
| 568 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Primary | Purchase | 742 | 16.66 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/11/2026 | |||||||||||
| 570 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Borrower Identity Missing - EV R COMMENT: The borrower's government-issued ID expired on 01/XX/2023 prior to the closing XX 03/13/2026. Provide a valid, unexpired government ID. 04/01/2026: Resolved. Received valid ID |
Single Family | XX | 69.767% | 69.767% | Primary | Cash Out | 728 | 1.5 | XX | 6.58 | $52,757.15 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$58,498.92 | 11.906% | Alternative | QC Complete | 03/26/2026 | ||||||
| 571 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.154% Allowed 7.800% Overby +0.354% This loan is compliant with regulation 1026.35. |
Single Family | XX | 90.000% | 90.000% | Primary | Purchase | 742 | XX | 10.75 | $16,728.54 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
41.364% | No | Alternative | QC Complete | 05/11/2026 | |||||||
| 575 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Investor | Purchase | 780 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/08/2026 | ||||||||||||
| 577 | XX | XX | XX | XX | Not Covered/Exempt | 4 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Original LTV (OLTV) does not meet eligibility
requirement(s) - EV W COMMENT: Original LTV is 80% exceeds the maximum guidelines LTV 75%. 4/7/2026 Waived. Received comp factors. 38% DTI compared to guideline max of 50%. 778 FICO compared to guideline minimum of 720. $101,000 in excess reserves over guideline requirement. |
38% DTI compared to guideline max of 50%. 778 FICO compared to guideline minimum of 720. $101,000 in excess reserves over guideline requirement. |
Single Family | XX | 80.000% | 80.000% | Investor | Cash Out | 778 | XX | 7.16 | $155,311.04 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$178,135.90 | 38.383% | Alternative | QC Complete | 03/26/2026 | ||||||
| 578 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Primary | Cash Out | 710 | 0.5 | XX | 6.58 | $36,065.63 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$108,219.00 | 32.207% | Alternative | QC Complete | 05/11/2026 | |||||||
| 583 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 85.000% | 85.000% | Primary | Refinance | 730 | 0.83 | XX | 3.92 | $15,305.16 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
24.573% | Alternative | QC Complete | 05/13/2026 | ||||||||
| 588 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 80.000% | 80.000% | Secondary | Purchase | 782 | XX | 3.75 | $29,361.47 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
46.247% | No | Alternative | QC Complete | 06/08/2026 | ||||||||
| 590 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide a copy of Title supplement with sufficient insurance to cover the loan amount. 04/08/2026: Resolved. Received updated title. |
Low Rise Condo (1-4 Stories) | XX | 61.631% | 61.631% | Primary | Refinance | 756 | 2.58 | XX | 2.16 | $14,698.82 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
36.603% | Alternative | QC Complete | 06/08/2026 | |||||||
| 592 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 38.923% | 38.923% | Primary | Refinance | 788 | 11.08 | XX | 6.33 | $211,009.11 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
5.537% | Alternative | QC Complete | 05/11/2026 | ||||||||
| 593 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 74.074% | 74.074% | Primary | Purchase | 781 | XX | 0.08 | $11,666.67 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
44.829% | No | Full Documentation | QC Complete | 05/12/2026 | ||||||||
| 595 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 64.555% | 64.555% | Investor | Cash Out | 738 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$311,779.32 | Alternative | QC Complete | 05/08/2026 | ||||||||||||
| 597 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) ComplianceEase TRID Tolerance Test is Incomplete -
EV R COMMENT: Missing Initial Closing Disclosure. Resolved 04/20/2026: Received Initial Closing Disclosure dated 03/23/2026 and exception is cleared. |
Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 791 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 04/16/2026 | |||||||||||
| 598 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) The Appraisal License is Missing - EV R COMMENT: Provide a copy of updated appraisal license, as it is missing. 04/20/2026; Resolved. Received appraisers license. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a copy of revised Mortgage/Deed of Trust with Correct vesting (ownership). Note reflects 2 borrower (XX 04/28/2026: Resolved. received LOE stating that the co-borrower in not in vesting because the property is not their primary residence. They are not required to be in vesting. |
2 Family | XX | 80.000% | 80.000% | Primary | Purchase | 775 | XX | 2 | $25,044.93 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
32.490% | Yes | Alternative | QC Complete | 04/15/2026 | |||||||
| 601 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 4 Family | XX | 80.000% | 80.000% | Investor | Purchase | 720 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/05/2026 | ||||||||||||
| 602 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 804 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/12/2026 | ||||||||||||
| 603 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 78.947% | 78.947% | Primary | Purchase | 767 | XX | 9.83 | $67,804.74 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
19.940% | Yes | Alternative | QC Complete | 05/14/2026 | ||||||||
| 605 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 747 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/12/2026 | ||||||||||||
| 608 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Mortgage history for primary residence less than 12
months - EV R COMMENT: Provide documentation confirming that XX is owned free and clear, along with the purchase date to verify seasoning. Current VOR covers only 3 months and is insufficient. Insurance lists XX as mortgagee—confirm the loan is paid in full and provide a VOM showing the account as closed. 05/05/2026: Resolved: Property is n ot owned free and clear. XX is still open and referenced on credit report with reporting through 01/26 that was opened 4/25/2023. Credit supplement is in file to support account still open and has a $0 balance with no payment as of 03/25/2026. VOR is in file to support rental payment history from when brw started renting through current. |
Low Rise Condo (1-4 Stories) | XX | 50.024% | 50.024% | Secondary | Purchase | 793 | 0.25 | XX | 0.3 | $24,583.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
11.782% | No | Full Documentation | QC Complete | 06/08/2026 | ||||||
| 609 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 750 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/15/2026 | ||||||||||||
| 611 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide a copy of Title Supplemental Report to cover the loan amount $XX 04/21/2026: Resolved. Updated title provided. |
Single Family | XX | 69.716% | 69.716% | Primary | Purchase | 774 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 04/15/2026 | |||||||||||
| 612 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 48.780% | 48.780% | Investor | Cash Out | 742 | XX | 3.75 | $6,525.04 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$195,085.92 | 31.628% | Full Documentation | QC Complete | 11/13/2025 | ||||||||
| 613 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) LOE - EV R COMMENT: Provide a copy of the LOE for the REO located at XXfor no HOA due. Resolved: 04/20/2026. received evidence of no HOA |
Single Family | XX | 75.000% | 75.000% | Investor | Purchase | 704 | XX | 9 | $237,995.49 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
4.128% | No | Alternative | QC Complete | 06/08/2026 | |||||||
| 617 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 52.273% | 52.273% | Investor | Cash Out | 689 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$50,278.98 | Alternative | QC Complete | 05/08/2026 | ||||||||||||
| 621 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Low Rise Condo (1-4 Stories) | XX | 68.571% | 68.571% | Investor | Purchase | 716 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/18/2026 | ||||||||||||
| 622 | XX | XX | XX | XX | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No | *** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: XX 1 year 1099 product - borrower files 1120S Exception approval present. |
Credit score: Borrower FICO 785 is greater than minimum
guideline FICO 720. DTI: Subject DTI 42% is less than guideline maximum DTI 50%. Reserves: Borrower has surplus reserves of $34,407.82. |
Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 785 | 8.91 | $14,115.93 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
42.713% | No | Alternative | QC Complete | 05/11/2026 | |||||||
| 624 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Required Documentation Missing or Incomplete - EV R COMMENT: The first page of the loan scorecard is missing. Provide a copy of the updated loan scorecard. 05/15/2026: Resolved. Received copy of LoanScorecard. |
PUD | XX | 80.000% | 80.000% | Primary | Cash Out | 762 | 2.18 | XX | 9.25 | $39,523.59 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$74,260.88 | 42.037% | Alternative | QC Complete | 05/12/2026 | ||||||
| 625 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide a copy updated Title Report to cover the loan amount $XX 05/14/2026: Resolved. Received updated title. |
3 Family | XX | 75.000% | 75.000% | Investor | Cash Out | 767 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$60,442.44 | Alternative | QC Complete | 05/08/2026 | |||||||||||
| 630 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 85.000% | 85.000% | Investor | Refinance | 722 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 05/12/2026 | |||||||||||||
| 631 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.590% Allowed 7.620% Overby +0.970% This loan is compliant with regulation 1026.35. *** (CURED) Required Documentation Missing - EV R COMMENT: Provide a supporting document for the gift amount $3,900 05/085/2026: Resolved. Received a LOX stating per the underwriter this gift was an input error for the down payment. No gift funds were uses. |
Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 652 | XX | 7.25 | $11,817.12 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
31.202% | Yes | Alternative | QC Complete | 04/28/2026 | |||||||
| 632 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 755 | XX | 5.25 | $21,784.37 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
27.599% | Yes | Alternative | QC Complete | 05/12/2026 | ||||||||
| 636 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 70.000% | 70.000% | Investor | Purchase | 727 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
No | Alternative | QC Complete | 05/12/2026 | ||||||||||||
| 637 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 73.333% | 73.333% | Primary | Purchase | 795 | XX | 38.16 | $26,831.92 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
30.953% | No | Alternative | QC Complete | 03/25/2026 | ||||||||
| 638 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Intent to Proceed Missing - EV R COMMENT: Missing Intent to Proceed. Resolved 05/18/2026: Received Intent to proceed document dated 04/01/2026 and exception is cleared. |
2 Family | XX | 85.000% | 85.000% | Primary | Purchase | 773 | XX | 4.33 | $21,688.60 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
49.906% | No | Alternative | QC Complete | 05/13/2026 | |||||||
| 642 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | PUD | XX | 29.841% | 29.841% | Primary | Refinance | 776 | 2 | XX | 20.25 | $7,767.92 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
32.194% | Alternative | QC Complete | 05/14/2026 | ||||||||
| 643 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | 2 Family | XX | 70.000% | 70.000% | Investor | Cash Out | 793 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$470,662.83 | Alternative | QC Complete | 05/15/2026 | ||||||||||||
| 645 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Provide a copy of Supplemental report of title. Amount of title insurance is not sufficient to cover the loan amount. 05/07/2026: Resolved. Received updated title. |
2 Family | XX | 51.763% | 51.763% | Primary | Refinance | 736 | 2 | XX | 7.66 | $16,095.25 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
38.845% | Alternative | QC Complete | 04/30/2026 | |||||||
| 647 | XX | XX | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Coverage amount $XX on the title report is less than the loan amount of $XX. Provide a copy of updated title supplement to cover the loan amount. 05/19/2026: Resolved received updated title. |
Single Family | XX | 73.482% | 73.482% | Primary | Cash Out | 711 | 3.66 | XX | 1.25 | $40,490.05 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$32.88 | 10.866% | Alternative | QC Complete | 04/28/2026 | ||||||
| 648 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Loan does not conform to program guidelines - EV
R COMMENT: Guidelines require a minimum of three tradelines with at least 12 months of payment history. The credit report reflects only two tradelines reporting for 12 months, which does not meet guideline requirements. 05/19/2026: Resolved. Guidelines state • Two (2) open tradelines are acceptable if both tradelines are: o Open for the most recent twenty-four (24) months prior to the application date, and o Both tradelines have activity in the past twelve (12) months from the application date. |
Single Family | XX | 80.000% | 80.000% | Primary | Cash Out | 794 | 1 | XX | 24.25 | $5,333.08 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$46,592.83 | 35.515% | Alternative | QC Complete | 05/11/2026 | ||||||
| 649 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 697 | XX | 2.5 | $38,769.76 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
34.828% | No | Alternative | QC Complete | 05/13/2026 | ||||||||
| 656 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 75.000% | 75.000% | Investor | Cash Out | 764 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$19,564.92 | Alternative | QC Complete | 05/11/2026 | ||||||||||||
| 657 | XX | XX | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 40.323% | 40.323% | Primary | Cash Out | 682 | 9 | XX | 19.25 | $10,584.00 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$74,038.12 | 44.043% | Alternative | QC Complete | 04/20/2026 | |||||||
| 660 | XX | XX | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Amount of title insurance is less than mortgage
amount - EV R COMMENT: Coverage amount $XX on the title report is less than the mortgage loan amount of $XX. Provide a copy of Title supplement to cover the loan amount. 03/30/2026: Resolved. Received updated title |
PUD | XX | 75.000% | 75.000% | Investor | Refinance | 742 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
Alternative | QC Complete | 03/24/2026 | ||||||||||||
| 666 | XX | XX | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No | Single Family | XX | 69.032% | 69.032% | Investor | Cash Out | 669 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
$603.08 | Alternative | QC Complete | 03/31/2026 | ||||||||||||
| 668 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No | *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test:Charged 8.489% Allowed 7.620% Overby +0.869% This loan is compliant with regulation 1026.35. |
Single Family | XX | 44.776% | 44.776% | Primary | Purchase | 653 | XX | 7.08 | $15,491.03 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos:0 Max Days Dlq Last 12 Mos:0 Verification Type:Credit Report |
20.707% | No | Alternative | QC Complete | 05/13/2026 | |||||||
| 669 | XX | XX | XX | XX | Non-QM/Compliant | 4 | 2 | 2 | 1 | 1 | No | No | *** (CURED) ComplianceEase TRID Tolerance Test Failed - EV R COMMENT: TRID violation due to Appraisal fee increase on Final CD dated 04/XX/2026. Initial LE dated 04/XX/2026 reflects Appraisal fee as $525.00 however, revised LE dated 04/16/2026 reflects the Appraisal fee as $675.00. Require PCCD/COC to cure the tolerance violation of $150.00. Resolved 05/18/2026: Received COC dated 04/XX/2026 and exception is cleared. *** (CURED) Federal Higher Price Mortgage Loan - EV R COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.167% Allowed 7.930% Overby +0.237% This loan is compliant with regulation 1026.35. |
*** (WAIVED) Loan does not conform to program guidelines - EV
W COMMENT: Proceeding with a borrower who is living rent free for more than 12 months from the application date. Exception Approval Present. |
Low DTI : DTI of 35.70% is less than the maximum guideline
requirement of 50%. LTV of 85% is Satisfy the maximum guideline requirement of 85%. Reserve : 13.841 months reserves exceed the minimum guideline of 3 months. |
Low Rise Condo (1-4 Stories) | XX | 85.000% | 85.000% | Primary | Purchase | 705 | XX | 1 | $14,166.66 | Mos Reviewed:24 Times 1X30:0 Times 1X60:0 Times 1X90:0 Currently Delinquent? :No Total Delinquent: Mortgage/Rent Dlq Last 12 Mos: Max Days Dlq Last 12 Mos: Verification Type:Credit Report |
35.260% | Yes | Full Documentation | QC Complete | 05/13/2026 |