Exhibit 99.6 Schedule 2

 

Marketing ID Loan Number Seller Loan Number Originator Last Name Note Date Original Balance State TPR QM ATR Status Loan Status Exception Date Remediation Status Exception ID Exception Type Exception Category Exceptions Exception Rebuttal Exception Rebuttal Date Exception Rebuttal Response Exception Rebuttal Response Date Compensating Factors Initial Overall Loan Grade Final Overall Loan Grade Initial Exception Grade Final Exception Grade Initial Credit Grade Final Credit Grade Initial Property Valuation Grade Final Property Valuation Grade Initial Compliance Grade Final Compliance Grade Initial Overall Grade (DBRS/Morningstar) Initial Credit Grade (DBRS/Morningstar) Initial Property Valuation Grade (DBRS/Morningstar) Initial Compliance Grade (DBRS/Morningstar) Initial Overall Grade (Fitch) Initial Credit Grade (Fitch) Initial Property Valuation Grade (Fitch) Initial Compliance Grade (Fitch) Initial Overall Grade (Kroll) Initial Credit Grade (Kroll) Initial Property Valuation Grade (Kroll) Initial Compliance Grade (Kroll) Initial Overall Grade (Moodys) Initial Credit Grade (Moodys) Initial Property Valuation Grade (Moodys) Initial Compliance Grade (Moodys) Initial Overall Grade (S&P) Initial Credit Grade (S&P) Initial Property Valuation Grade (S&P) Initial Compliance Grade (S&P) Final Overall Grade (DBRS/Morningstar) Final Credit Grade (DBRS/Morningstar) Final Property Grade (DBRS/Morningstar) Final Compliance Grade (DBRS/Morningstar) Final Overall Grade (Fitch) Final Credit Grade (Fitch) Final Property Grade (Fitch) Final Compliance Grade (Fitch) Final Overall Grade (Kroll) Final Credit Grade (Kroll) Final Property Grade (Kroll) Final Compliance Grade (Kroll) Final Overall Grade (Moodys) Final Credit Grade (Moodys) Final Property Grade (Moodys) Final Compliance Grade (Moodys) Final Overall Grade (S&P) Final Credit Grade (S&P) Final Property Grade (S&P) Final Compliance Grade (S&P)
852 XX   XX XX XX XX GA ATR/QM Exempt Loan Review Complete 03/11/2026 Resolved 92300204908-01 Credit No Findings The loan meets all applicable guidelines            A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
853 XX   XX XX XX XX GA ATR/QM Exempt Loan Review Complete 03/11/2026 Resolved 92300204910-01 Credit No Findings The loan meets all applicable guidelines            A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
853 XX   XX XX XX XX GA ATR/QM Exempt Loan Review Complete 03/11/2026 Resolved 92300204909-01 Credit No Findings The loan meets all applicable guidelines            A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
851 XX   XX XX XX XX GA ATR/QM Exempt Loan Review Complete 03/12/2026 Resolved 92300204906-01 Credit No Findings The loan meets all applicable guidelines            A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
854 XX   XX XX XX XX AZ ATR/QM Exempt Loan Review Complete 03/16/2026 Resolved 11517785851 Credit Title Insurance Missing or Defective Title Commitment is missing mortgagee clause. Please provide updated title policy with ISAOA/ATIMA verbiage 20260318: Title uploaded 3/18/2026 20260318: Received Title  03/18/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
865 XX   XX XX XX XX FL ATR/QM Exempt Loan Review Complete 03/17/2026 Resolved 92400202715-01 Credit No Findings The loan meets all applicable guidelines            A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
864 XX   XX XX XX XX FL ATR/QM Exempt Loan Review Complete 03/24/2026 Resolved 92300206584-01 Credit No Findings The loan meets all applicable guidelines            A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
840 XX   XX XX XX XX AR ATR/QM Exempt Loan Review Complete 03/24/2026 Resolved 92010204095-01 Credit No Findings The loan meets all applicable guidelines            A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
860 XX   XX XX XX XX IN ATR/QM Exempt Loan Review Complete 03/27/2026 Resolved 92300205078-01 Credit No Findings The loan meets all applicable guidelines            A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
856 XX   XX XX XX XX OH ATR/QM Exempt Loan Review Complete 03/27/2026 Resolved 11614515847 Credit Title Insurance Missing or Defective Lender on Title Insurance does not match Lender on Note and missing mortgagee clause. Please provide updated Title 20260413: Title Uploaded 4/13/2026 20260413: Received Title Insurance  04/13/2026   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
864 XX   XX XX XX XX CT ATR/QM Exempt Loan Review Complete 03/27/2026 Resolved 11616258435 Credit Deed Missing or Defective Missing Conveyance Deed from XX to XX 20260402: Deed 4/2/2026 20260402: Deed received 04/02/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
867 XX   XX XX XX XX TX ATR/QM Exempt Loan Review Complete 04/02/2026 Resolved 92400203856-01 Credit No Findings The loan meets all applicable guidelines            A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
857 XX   XX XX XX XX TX ATR/QM Exempt Loan Review Complete 04/03/2026 Resolved 11670033729 Property Hazard Insurance Missing or Defective Windstorm and Hail hazard insurance in file is a quote, please provide the finalized insurance policy 20260406: Hazard Insurance policy 4/6/2026 20260406: Hazard Insurance policy 04/06/2026   C A C A A A C A N/A N/A C A C N/A C A C N/A C A C N/A C A C N/A C A C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
870 XX   XX XX XX XX MO ATR/QM Exempt Loan Review Complete 04/06/2026 Resolved 92400204591-01 Credit No Findings The loan meets all applicable guidelines            A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
841 XX   XX XX XX XX NY ATR/QM Exempt Loan Review Complete 04/22/2026 Resolved 92010204509-01 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
844 XX   XX XX XX XX FL ATR/QM Exempt Loan Review Complete 04/29/2026 Resolved 92010204743-01 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
845 XX   XX XX XX XX FL ATR/QM Exempt Loan Review Complete 04/29/2026 Resolved 92010204827-01 Credit No Findings The loan meets all applicable guidelines.           A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
838 XX   XX XX XX XX NY ATR/QM Exempt Loan Review Complete 05/07/2026 Resolved 11953669180 Credit Evidence of Primary Residence and Rent-Free Scenario Missing or Defective Missing VOM for borrower's promary residence: XX 20260508: VOM  5/8/2026 20260511:VOM received 05/11/2026   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
Dropped Loan XX   XX XX XX XX CO ATR/QM Exempt Loan Review Complete 07/02/2025 Resolved 9505756667 Credit Background Check Missing or Defective Missing Background Report for: XX 20250703: Uploaded Fraud  7/3/2025 20250703: Received Fraud 07/03/2025   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
Dropped Loan XX   XX XX XX XX CO ATR/QM Exempt Loan Review Complete 07/02/2025 Resolved 9505757831 Property Appraisal Missing or Defective Missing Appraisal for subject property: XX 20250703: Uploaded Appraisal  7/3/2025 20250703: Received Appraisal  07/03/2025   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
Dropped Loan XX   XX XX XX XX CO ATR/QM Exempt Loan Review Complete 07/02/2025 Resolved 9505759479 Property Appraisal Review - Missing Missing Appraisal Review for subject property: XX 20250703: Uploaded with Appraisal  7/3/2025 20250703: Received appraisal review  07/03/2025   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
866 XX   XX XX XX XX CT Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/13/2026 Resolved FCOM5135 Compliance Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing Documentation required to clear exception:  Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates.  Document Uploaded.  3/19/2026 Affiliated attestation provided; Exception resolved; Required Affiliated Business Disclosure Documentation Provided 03/20/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 56.75% is less than Guideline LTV of 75%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.75% is less than Guideline CLTV of 75%

Qualifying DTI below max allowed. - Calculated DTI of 11.6% is less than Guideline DTI of 50%		 B A B A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
866 XX   XX XX XX XX CT Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/17/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational Only 03/17/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 56.75% is less than Guideline LTV of 75%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.75% is less than Guideline CLTV of 75%

Qualifying DTI below max allowed. - Calculated DTI of 11.6% is less than Guideline DTI of 50%		 B A A A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
866 XX   XX XX XX XX CT Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/17/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational Only 03/17/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 56.75% is less than Guideline LTV of 75%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.75% is less than Guideline CLTV of 75%

Qualifying DTI below max allowed. - Calculated DTI of 11.6% is less than Guideline DTI of 50%		 B A A A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
861 XX   XX XX XX XX WA Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/18/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 03/18/2026 Borrower has stable job time - Borrower has 2.18 years on job.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80%

Qualifying DTI below max allowed. - Calculated DTI of 24.71% is less than Guideline DTI of 50%

Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
861 XX   XX XX XX XX WA Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/18/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 03/18/2026 Borrower has stable job time - Borrower has 2.18 years on job.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80%

Qualifying DTI below max allowed. - Calculated DTI of 24.71% is less than Guideline DTI of 50%

Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
861 XX   XX XX XX XX WA Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/18/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 03/18/2026 Borrower has stable job time - Borrower has 2.18 years on job.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80%

Qualifying DTI below max allowed. - Calculated DTI of 24.71% is less than Guideline DTI of 50%

Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
869 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/20/2026 Resolved finding-47 Compliance TILA Right of Rescission Test This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Documentation Required: The disbursement date of 03/XX/26 is on or before the cancel by date on the ROR listed as 03/XX/2026. Proof of actual disbursement date is required to resolve or a cure package requires PCCD, LOE, new ROR providing 3 days right to cancel. Document Uploaded.  3/26/2026 PCCD provided with updated disbursement date; exception resolved; PCCD provided with updated disbursement date; exception resolved 03/27/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.55% is less than Guideline CLTV of 65%

Qualifying DTI below max allowed. - Calculated DTI of 28.26% is less than Guideline DTI of 50%

Original LTV is Below the Guideline Maximum - Calculated LTV of 51.55% is less than Guideline LTV of 65%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 780 is greater than Guideline minimum FICO of 740

Borrower has stable job time - Borrower has 6.51 years on job.		 C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
869 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/20/2026 Resolved FCOM1852 Compliance Incorrect rescission model used - RTC form model H-9 used for refinance not with Original Lender or Lender Affiliate Incorrect rescission model used - RTC form model H9 (Same Creditor) used for refinance not with Original Lender or Lender Affiliate Documentation required to clear exception:  Incorrect Right to Cancel form was used.  Right to cancel form H-9 (Same Lender) form was used and should have been H-8 (New Lender) form.  In order to cure rescission needs to be re-opened with correct form and a PCCD, LOE, and proof of delivery is required.  Document Uploaded.  3/26/2026 Correct RTC form has been provided 03/27/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.55% is less than Guideline CLTV of 65%

Qualifying DTI below max allowed. - Calculated DTI of 28.26% is less than Guideline DTI of 50%

Original LTV is Below the Guideline Maximum - Calculated LTV of 51.55% is less than Guideline LTV of 65%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 780 is greater than Guideline minimum FICO of 740

Borrower has stable job time - Borrower has 6.51 years on job.		 C A B A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
869 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/20/2026 Resolved FCOM5135 Compliance Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing Documentation required to clear exception:  Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates.  Document Uploaded.  3/26/2026 Required Affiliated Business Disclosure Documentation Provided 03/27/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.55% is less than Guideline CLTV of 65%

Qualifying DTI below max allowed. - Calculated DTI of 28.26% is less than Guideline DTI of 50%

Original LTV is Below the Guideline Maximum - Calculated LTV of 51.55% is less than Guideline LTV of 65%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 780 is greater than Guideline minimum FICO of 740

Borrower has stable job time - Borrower has 6.51 years on job.		 C A B A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
869 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/23/2026 Resolved FCOM1265 Compliance Non-Borrower Title Holder Did Not Receive Right of Rescission Form Non-Borrower Title Holder Did Not Receive Right of Rescission Form Documentation required: Provide executed Rescission Notice provided to non-borrowing spouse. Document Uploaded.  3/26/2026 Non-Borrower Title Holder Received Right of Rescission Form 03/27/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.55% is less than Guideline CLTV of 65%

Qualifying DTI below max allowed. - Calculated DTI of 28.26% is less than Guideline DTI of 50%

Original LTV is Below the Guideline Maximum - Calculated LTV of 51.55% is less than Guideline LTV of 65%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 780 is greater than Guideline minimum FICO of 740

Borrower has stable job time - Borrower has 6.51 years on job.		 C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
869 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/20/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 03/24/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.55% is less than Guideline CLTV of 65%

Qualifying DTI below max allowed. - Calculated DTI of 28.26% is less than Guideline DTI of 50%

Original LTV is Below the Guideline Maximum - Calculated LTV of 51.55% is less than Guideline LTV of 65%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 780 is greater than Guideline minimum FICO of 740

Borrower has stable job time - Borrower has 6.51 years on job.		 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
869 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 03/20/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 03/24/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.55% is less than Guideline CLTV of 65%

Qualifying DTI below max allowed. - Calculated DTI of 28.26% is less than Guideline DTI of 50%

Original LTV is Below the Guideline Maximum - Calculated LTV of 51.55% is less than Guideline LTV of 65%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 780 is greater than Guideline minimum FICO of 740

Borrower has stable job time - Borrower has 6.51 years on job.		 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
842 XX   XX XX XX XX NY ATR/QM: Exempt Loan Review Complete 04/03/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 04/06/2026 Borrower has stable job time - Borrower has 9.37 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 7.34% is less than Guideline DTI of 50%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
842 XX   XX XX XX XX NY ATR/QM: Exempt Loan Review Complete 04/03/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 04/06/2026 Borrower has stable job time - Borrower has 9.37 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 7.34% is less than Guideline DTI of 50%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
842 XX   XX XX XX XX NY ATR/QM: Exempt Loan Review Complete 04/03/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 04/06/2026 Borrower has stable job time - Borrower has 9.37 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 7.34% is less than Guideline DTI of 50%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
843 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/03/2026 Resolved FCOM9186 Compliance eSigned Documents Consent is Missing The eSigned consent disclosure is missing. Documentation required- First e-signed document in the file is dated 02/XX/2026; however, file is missing proof of e-consent dated 02/XX/2026 or before. Document Uploaded.  4/9/2026 Evidence of eConsent is provided. 04/09/2026 Borrower has stable job time - Borrower has 13.58 years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 715 is greater than Guideline minimum FICO of 700.

Qualifying DTI below max allowed. - Calculated DTI of 32.74% is less than Guideline DTI of 50%		 B A B A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
843 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/02/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 04/06/2026 Borrower has stable job time - Borrower has 13.58 years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 715 is greater than Guideline minimum FICO of 700.

Qualifying DTI below max allowed. - Calculated DTI of 32.74% is less than Guideline DTI of 50%		 B A A A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
843 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/02/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 04/06/2026 Borrower has stable job time - Borrower has 13.58 years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 715 is greater than Guideline minimum FICO of 700.

Qualifying DTI below max allowed. - Calculated DTI of 32.74% is less than Guideline DTI of 50%		 B A A A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
846 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/06/2026 Resolved FCOM9186 Compliance eSigned Documents Consent is Missing The eSigned consent disclosure is missing. Documentation required-  First e-signed document in the file is dated 02/XX/2026; however, file is missing proof of e-consent dated 02/XX/2026 or before. Document Uploaded.  4/9/2026 Evidence of eConsent is provided. 04/09/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 758 is greater than Guideline minimum FICO of 740.

Borrower has stable job time - Borrower has 3.78 years on job.		 B A B A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
846 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/02/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 04/06/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 758 is greater than Guideline minimum FICO of 740.

Borrower has stable job time - Borrower has 3.78 years on job.		 B A A A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
847 XX   XX XX XX XX NY Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/06/2026 Resolved finding-3634 Compliance Charges That Cannot Increase Test This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,040.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required.  Refund in the amount of $1040.00; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The Discount points increased on the CD issued 3/25/2026 without a valid reason issued within 3 business days in the loan file.  Document Uploaded.  4/14/2026 Valid COC provided; exception resolved; Valid COC provided; exception resolved 04/15/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.34% is less than Guideline CLTV of 75%

Qualifying DTI below max allowed. - Calculated DTI of 31.26% is less than Guideline DTI of 50%

Original LTV is Below the Guideline Maximum - Calculated LTV of 32.34% is less than Guideline LTV of 75%

Borrower has stable job time - Borrower has 10.99 years on job.		 C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
847 XX   XX XX XX XX NY Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/06/2026 Resolved finding-3352 Compliance Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( 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.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A.      HPML compliant 04/15/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.34% is less than Guideline CLTV of 75%

Qualifying DTI below max allowed. - Calculated DTI of 31.26% is less than Guideline DTI of 50%

Original LTV is Below the Guideline Maximum - Calculated LTV of 32.34% is less than Guideline LTV of 75%

Borrower has stable job time - Borrower has 10.99 years on job.		 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
847 XX   XX XX XX XX NY Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/06/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 04/07/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.34% is less than Guideline CLTV of 75%

Qualifying DTI below max allowed. - Calculated DTI of 31.26% is less than Guideline DTI of 50%

Original LTV is Below the Guideline Maximum - Calculated LTV of 32.34% is less than Guideline LTV of 75%

Borrower has stable job time - Borrower has 10.99 years on job.		 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
847 XX   XX XX XX XX NY Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/06/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 04/07/2026 Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.34% is less than Guideline CLTV of 75%

Qualifying DTI below max allowed. - Calculated DTI of 31.26% is less than Guideline DTI of 50%

Original LTV is Below the Guideline Maximum - Calculated LTV of 32.34% is less than Guideline LTV of 75%

Borrower has stable job time - Borrower has 10.99 years on job.		 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
850 XX   XX XX XX XX FL Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/07/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 04/07/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 767 is greater than Guideline minimum FICO of 700.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 26.52% is less than Guideline CLTV of 65%

Qualifying DTI below max allowed. - Calculated DTI of 31.84% is less than Guideline DTI of 50%

Original LTV is Below the Guideline Maximum - Calculated LTV of 26.52% is less than Guideline LTV of 65%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
850 XX   XX XX XX XX FL Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/07/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 04/07/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 767 is greater than Guideline minimum FICO of 700.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 26.52% is less than Guideline CLTV of 65%

Qualifying DTI below max allowed. - Calculated DTI of 31.84% is less than Guideline DTI of 50%

Original LTV is Below the Guideline Maximum - Calculated LTV of 26.52% is less than Guideline LTV of 65%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
850 XX   XX XX XX XX FL Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/07/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 04/07/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 767 is greater than Guideline minimum FICO of 700.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 26.52% is less than Guideline CLTV of 65%

Qualifying DTI below max allowed. - Calculated DTI of 31.84% is less than Guideline DTI of 50%

Original LTV is Below the Guideline Maximum - Calculated LTV of 26.52% is less than Guideline LTV of 65%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
855 XX   XX XX XX XX FL Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/07/2026 Resolved FCRE5770 Credit Borrower 1 Credit Report is Missing Borrower 1 Credit Report is Missing. Document Uploaded.  4/9/2026 Borrower 1 Credit Report is not missing.; CR provided 05/01/2026 Borrower has stable job time - Borrower has 9.65 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 21% is less than Guideline DTI of 50% Many pertinent documents are missing from the file to properly validate the qualifying DTI ratios.		 D A D A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
855 XX   XX XX XX XX FL Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/07/2026 Resolved FCRE5771 Credit Borrower 2 Credit Report is Missing Borrower 2 Credit Report is Missing. Document Uploaded.  4/9/2026 Borrower 2 Credit Report is not missing.; CR provided 05/01/2026 Borrower has stable job time - Borrower has 9.65 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 21% is less than Guideline DTI of 50% Many pertinent documents are missing from the file to properly validate the qualifying DTI ratios.		 D A D A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
855 XX   XX XX XX XX FL Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/08/2026 Resolved FCRE1495 Credit ATR: Current Employment Not Verified ATR:  Current Employment Not Verified. Document Uploaded.  4/9/2026 ATR:  Current Employment Was Verified.; Resolved previous condition; VVOE provided.  04/10/2026 Borrower has stable job time - Borrower has 9.65 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 21% is less than Guideline DTI of 50% Many pertinent documents are missing from the file to properly validate the qualifying DTI ratios.		 D A C A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
855 XX   XX XX XX XX FL Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/08/2026 Resolved FCRE1497 Credit ATR: Reasonable Income or Assets Not Considered ATR:  Reasonable Income or Assets Not Considered.     ATR:  Reasonable Income or Assets Was Considered. 04/10/2026 Borrower has stable job time - Borrower has 9.65 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 21% is less than Guideline DTI of 50% Many pertinent documents are missing from the file to properly validate the qualifying DTI ratios.		 D A C A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
855 XX   XX XX XX XX FL Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/07/2026 Resolved FCRE1157 Credit Hazard Insurance Policy is Missing Missing Hazard Insurance Policy Hazard Insurance Policy is missing from the file. Document Uploaded.  4/9/2026 Hazard Insurance Policy is fully present; Cert provided.  04/10/2026 Borrower has stable job time - Borrower has 9.65 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 21% is less than Guideline DTI of 50% Many pertinent documents are missing from the file to properly validate the qualifying DTI ratios.		 D A D A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
855 XX   XX XX XX XX FL Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/08/2026 Resolved FCRE1164 Credit Flood Insurance Policy Missing Missing Flood Insurance Policy Flood insurance policy is missing from the file. Document Uploaded.  4/9/2026 Flood Insurance Policy is fully present; Cert provided 04/10/2026 Borrower has stable job time - Borrower has 9.65 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 21% is less than Guideline DTI of 50% Many pertinent documents are missing from the file to properly validate the qualifying DTI ratios.		 D A D A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
855 XX   XX XX XX XX FL Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/10/2026 Resolved FCRE1170 Credit Flood Insurance Expiration Date is before the Disbursement Date Flood Insurance Expiration Date of 04-XX-2025 is prior to the Disbursement Date of 03-XX-2026     Flood Insurance Expiration Date of 04-XX-2026 is equal to or after the Disbursement Date of 03-XX-2026 Or Flood Insurance Expiration Date Is Not Provided 04/10/2026 Borrower has stable job time - Borrower has 9.65 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 21% is less than Guideline DTI of 50% Many pertinent documents are missing from the file to properly validate the qualifying DTI ratios.		 D A C A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
855 XX   XX XX XX XX FL Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/07/2026 Resolved FCRE1201 Credit Third Party Fraud Report not Provided Missing Third Party Fraud Report Document Uploaded.  4/9/2026 Third Party Fraud Report is provided; Fraud report provided.  04/10/2026 Borrower has stable job time - Borrower has 9.65 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 21% is less than Guideline DTI of 50% Many pertinent documents are missing from the file to properly validate the qualifying DTI ratios.		 D A D A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
855 XX   XX XX XX XX FL Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/08/2026 Resolved FCRE1197 Credit Audited FICO is less than Guideline FICO Audited FICO of  is less than Guideline FICO of 760. Credit Report is missing from the file. Document Uploaded.  4/9/2026 Audited FICO of 760 is greater than or equal to Guideline FICO of 760; Report provided - Resolved.  04/10/2026 Borrower has stable job time - Borrower has 9.65 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 21% is less than Guideline DTI of 50% Many pertinent documents are missing from the file to properly validate the qualifying DTI ratios.		 D A C A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
855 XX   XX XX XX XX FL Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/07/2026 Resolved FCRE1316 Credit Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE Prior to Close Missing Satisfactory Verification of Business (ie: CPA letter, etc.) is missing from the file. Document Uploaded.  4/9/2026 Borrower 1 3rd Party VOE Prior to Close Was Provided; VVOE attached.  04/10/2026 Borrower has stable job time - Borrower has 9.65 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 21% is less than Guideline DTI of 50% Many pertinent documents are missing from the file to properly validate the qualifying DTI ratios.		 D A D A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
855 XX   XX XX XX XX FL Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/08/2026 Resolved FCRE1437 Credit Income and Employment Do Not Meet Guidelines Income and Employment Do Not Meet Guidelines B1's 12 months business bank statements and the Lender's income calculation worksheet is missing from the file. Document Uploaded.  4/9/2026 Income and Employment Meet Guidelines; Worksheet provided along with statements required. 04/10/2026 Borrower has stable job time - Borrower has 9.65 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 21% is less than Guideline DTI of 50% Many pertinent documents are missing from the file to properly validate the qualifying DTI ratios.		 D A C A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
855 XX   XX XX XX XX FL Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/07/2026 Resolved FCRE1145 Credit Title Document Missing Title Document is missing Document Uploaded.  4/9/2026 Title Document is fully Present; Title provided 04/10/2026 Borrower has stable job time - Borrower has 9.65 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 21% is less than Guideline DTI of 50% Many pertinent documents are missing from the file to properly validate the qualifying DTI ratios.		 D A D A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
855 XX   XX XX XX XX FL Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/08/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 04/09/2026 Borrower has stable job time - Borrower has 9.65 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 21% is less than Guideline DTI of 50% Many pertinent documents are missing from the file to properly validate the qualifying DTI ratios.		 D A A A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
855 XX   XX XX XX XX FL Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/08/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 04/09/2026 Borrower has stable job time - Borrower has 9.65 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 21% is less than Guideline DTI of 50% Many pertinent documents are missing from the file to properly validate the qualifying DTI ratios.		 D A A A D A A A A A D D A A D D A A D D A A D D A A D D A A A A A A A A A A A A A A A A A A A A A A
862 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/09/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 04/10/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 43.89% is less than Guideline LTV of 80%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.89% is less than Guideline CLTV of 80%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 767 is greater than Guideline minimum FICO of 740.

Borrower has stable job time - Borrower has 4.9 years on job.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
862 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/10/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 04/10/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 43.89% is less than Guideline LTV of 80%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.89% is less than Guideline CLTV of 80%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 767 is greater than Guideline minimum FICO of 740.

Borrower has stable job time - Borrower has 4.9 years on job.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
862 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/10/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 04/10/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 43.89% is less than Guideline LTV of 80%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.89% is less than Guideline CLTV of 80%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 767 is greater than Guideline minimum FICO of 740.

Borrower has stable job time - Borrower has 4.9 years on job.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
863 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/09/2026 Resolved finding-3652 Compliance Lender Credits That Cannot Decrease Test This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($2,472.80) does not exceed or equal the comparable sum of specific and non-specific lender credits ($2,508.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure required:  Refund in the amount of $35.20 ; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $35.20 is due to the decrease from $2508 to $2472.8  for the Lender Credits.  The Lender Credits decreased on the initial CD dated 3/10/26.   The file did not contain a COC for that date
 Document Uploaded.  4/22/2026 Valid COC provided; exception resolved; Valid COC provided; exception resolved 04/24/2026 Qualifying DTI below max allowed. - Calculated DTI of 44.22% is less than Guideline DTI of 55% D A C A A A D A C A D A D C D A D C D A D C D A D C D A D C A A A A A A A A A A A A A A A A A A A A
863 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/10/2026 Resolved FPRO0936 Property UCDP Summary Report is Missing UCDP Summary Report is Missing Document Uploaded.  4/15/2026 ; UCDP with score of 1.8 provided 04/15/2026 Qualifying DTI below max allowed. - Calculated DTI of 44.22% is less than Guideline DTI of 55% D A D A A A D A C A D A D C D A D C D A D C D A D C D A D C A A A A A A A A A A A A A A A A A A A A
859 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/13/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 04/13/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 34.72% is less than Guideline LTV of 75%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.72% is less than Guideline CLTV of 75%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 817 is greater than Guideline minimum FICO of 720.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
859 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/13/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 04/13/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 34.72% is less than Guideline LTV of 75%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.72% is less than Guideline CLTV of 75%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 817 is greater than Guideline minimum FICO of 720.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
859 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/13/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 04/13/2026 Original LTV is Below the Guideline Maximum - Calculated LTV of 34.72% is less than Guideline LTV of 75%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.72% is less than Guideline CLTV of 75%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 817 is greater than Guideline minimum FICO of 720.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
872 XX   XX XX XX XX TN ATR/QM: Exempt Loan Review Complete 04/10/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 04/13/2026 Qualifying DTI below max allowed. - Calculated DTI of 7.17% is less than Guideline DTI of 50% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
872 XX   XX XX XX XX TN ATR/QM: Exempt Loan Review Complete 04/13/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 04/13/2026 Qualifying DTI below max allowed. - Calculated DTI of 7.17% is less than Guideline DTI of 50% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
872 XX   XX XX XX XX TN ATR/QM: Exempt Loan Review Complete 04/13/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 04/13/2026 Qualifying DTI below max allowed. - Calculated DTI of 7.17% is less than Guideline DTI of 50% A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
848 XX   XX XX XX XX TX Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/10/2026 Resolved finding-3532 Compliance Initial Closing Disclosure Delivery Date Test Documentation required to clear exception:  The initial CD is missing from the loan file. The earliest CD in the file is dated 03/18/2026 and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer 3 business days prior to consummation on 03/18/2026.   This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Document Uploaded.  4/15/2026 Initial CD received - exception resolved; Initial CD received - exception resolved 04/15/2026   C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
848 XX   XX XX XX XX TX Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/10/2026 Resolved finding-3367 Compliance RESPA Homeownership Counseling Organizations Disclosure Date Test Documentation required to clear exception:  Provide homeownership counseling disclosure that was provided to the consumer within 3-business days of application, 02/17/2026 This loan failed the homeownership counseling organizations disclosure date test due to the following findings: ( 12 CFR §1024.20(a) )The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. Document Uploaded.  4/15/2026 Homeownership Counseling Organizations Disclosure received - exception resolved; Homeownership Counseling Organizations Disclosure received - exception resolved 04/15/2026   C A B A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
848 XX   XX XX XX XX TX Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/10/2026 Resolved finding-3634 Compliance Charges That Cannot Increase Test TILA 130b Cure Required.  Refund in the amount of $2,695: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery.  The exception is tied to the missing Initial LE issued within 3 business days of the application date of 2/17/26, as the earliest available LE is dated 2/24/26.

Please provide the initial LE issued within 3 business days of the application date of 2/17/26.  Additional testing will be completed, once the initial LE is provided.


 This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $2,695.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).		 Document Uploaded.  4/15/2026 Initial LE and CD received - exception resolved; Initial LE and CD received - exception resolved 04/15/2026   C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
848 XX   XX XX XX XX TX Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/10/2026 Resolved finding-3635 Compliance Charges That In Total Cannot Increase More Than 10% Test This loan failed the charges that in total cannot increase more than 10% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($2,504.10) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required.  Refund in the amount of $2,504.10: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery.  The exception is tied to the missing Initial LE issued within 3 business days of the application date of 2/17/26, as the earliest available LE is dated 2/XX/26.

Please provide the initial LE issued within 3 business days of the application date of 2/XX/26 and the initial CD within 3 days of consummation 3/XX/26.  Additional testing will be completed, once the initial LE is provided. Also Please provide the SSPL dated within 3 days of the application.

 		 Document Uploaded.  4/15/2026 Initial LE and CD received - exception resolved; Initial LE and CD received - exception resolved 04/15/2026   C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
848 XX   XX XX XX XX TX Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/10/2026 Resolved finding-3515 Compliance Initial Loan Estimate Delivery Date Test (from application) Please provide the initial LE issued within 3 business days of the application date of 2/17/26.  Additional testing will be completed, once the initial LE is provided.  This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Document Uploaded.  4/15/2026 Initial LE received - exception resolved; Initial LE received - exception resolved 04/15/2026   C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
848 XX   XX XX XX XX TX Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/13/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 04/13/2026   C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
848 XX   XX XX XX XX TX Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/13/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 04/13/2026   C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
871 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/17/2026 Resolved FCOM5135 Compliance Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception:  Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates.  Document Uploaded.  4/20/2026 Affiliated attestation provided; Exception resolved; Required Affiliated Business Disclosure Documentation Provided.; Documentation required to clear exception:  Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates.

 ; Required Affiliated Business Disclosure Missing. Documentation required to clear exception:  Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates.

 ; Required Affiliated Business Disclosure Missing. Documentation required to clear exception:  Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates.

 		 04/21/2026   B A B A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
871 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/16/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 04/17/2026   B A A A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
871 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/16/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 04/17/2026   B A A A A A A A B A B A A B B A A B B A A B B A A B B A A B A A A A A A A A A A A A A A A A A A A A
864 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/13/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 04/14/2026 Borrower has stable job time - Borrower has 7.51 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 37.36% is less than Guideline DTI of 50%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
864 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/13/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 04/14/2026 Borrower has stable job time - Borrower has 7.51 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 37.36% is less than Guideline DTI of 50%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
864 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/14/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 04/14/2026 Borrower has stable job time - Borrower has 7.51 years on job.

Qualifying DTI below max allowed. - Calculated DTI of 37.36% is less than Guideline DTI of 50%		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
839 XX   XX XX XX XX TX Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/13/2026 Resolved FCOM1207 Credit The Note is Not Executed The Note is Not Executed Provide executed Note. Document Uploaded.  4/16/2026 The Note is Executed 04/22/2026 Qualifying DTI below max allowed. - Calculated DTI of 15.11% is less than Guideline DTI of 45%

Borrower has stable job time - Borrower has 9.31 years on job.		 D B C A D B A A C A D D A C D D A C D D A C D D A C D D A C B B A A B B A A B B A A B B A A B B A A
839 XX   XX XX XX XX TX Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/14/2026 Resolved FCOM1232 Credit The Final 1003 is Missing The Final 1003 is Missing. Executed Initial 1003 in file, provide final 1003 that is also reflecting borrower as a non-permanent resident Alien. Executed Initial 1003 reflects borrower as a permanent residence however evidence provide is a work visa. Document Uploaded. ; Document Uploaded.  4/17/2026 The Final 1003 is Present; Client provided Final 1003; ; Client provided ROR - Countered - Missing final 1003.  04/17/2026 Qualifying DTI below max allowed. - Calculated DTI of 15.11% is less than Guideline DTI of 45%

Borrower has stable job time - Borrower has 9.31 years on job.		 D B D A D B A A C A D D A C D D A C D D A C D D A C D D A C B B A A B B A A B B A A B B A A B B A A
839 XX   XX XX XX XX TX Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/13/2026 Resolved FCOM1223 Credit The Deed of Trust is Not Executed The Deed of Trust is Not Executed Provide executed/notarized Deed of Trust, not contained in loan file. Document Uploaded.  4/16/2026 The Deed of Trust is Executed; DOT provided 04/17/2026 Qualifying DTI below max allowed. - Calculated DTI of 15.11% is less than Guideline DTI of 45%

Borrower has stable job time - Borrower has 9.31 years on job.		 D B D A D B A A C A D D A C D D A C D D A C D D A C D D A C B B A A B B A A B B A A B B A A B B A A
839 XX   XX XX XX XX TX Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/13/2026 Resolved FCOM1227 Credit PUD Rider is Missing PUD Rider is Missing Provide PUD Rider, appraisal reflects property is in a PUD. Document Uploaded.  4/16/2026     Qualifying DTI below max allowed. - Calculated DTI of 15.11% is less than Guideline DTI of 45%

Borrower has stable job time - Borrower has 9.31 years on job.		 D B D A D B A A C A D D A C D D A C D D A C D D A C D D A C B B A A B B A A B B A A B B A A B B A A
839 XX   XX XX XX XX TX Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/13/2026 Resolved FCOM1264 Compliance Right of Rescission is Not Executed Right of Rescission is Not Executed Documentation required to clear exception:  Provide executed Right of Rescission for all borrowers. The Right to Cancel Notice was not signed by the borrower/co-borrower.

 		 Document Uploaded.  4/16/2026 Right of Rescission is Executed 04/16/2026 Qualifying DTI below max allowed. - Calculated DTI of 15.11% is less than Guideline DTI of 45%

Borrower has stable job time - Borrower has 9.31 years on job.		 D B C A D B A A C A D D A C D D A C D D A C D D A C D D A C B B A A B B A A B B A A B B A A B B A A
839 XX   XX XX XX XX TX Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/15/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.       04/15/2026 Qualifying DTI below max allowed. - Calculated DTI of 15.11% is less than Guideline DTI of 45%

Borrower has stable job time - Borrower has 9.31 years on job.		 D B A A D B A A C A D D A C D D A C D D A C D D A C D D A C B B A A B B A A B B A A B B A A B B A A
839 XX   XX XX XX XX TX Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/14/2026 Acknowledged FCRE1194 Credit Audited LTV Exceeds Guideline LTV Audited LTV of 80% exceeds Guideline LTV of 75% Lender Exception Request Granted: XX loan amount 80% of appraised value.   Lender Comments/Conditions: 3/26 VD Exception request to allow 80% LTV with LA of $XX approved. Lender Compensating Factors: DTI > than 10% below program requirement,  High discretionary income, 5 years in current job, VOR Ox30 in 24 months         Qualifying DTI below max allowed. - Calculated DTI of 15.11% is less than Guideline DTI of 45%

Borrower has stable job time - Borrower has 9.31 years on job.		 D B B B D B A A C A D D A C D D A C D D A C D D A C D D A C B B A A B B A A B B A A B B A A B B A A
839 XX   XX XX XX XX TX Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/14/2026 Acknowledged FCRE1196 Credit Audited HCLTV Exceeds Guideline HCLTV Audited HLTV of 80% exceeds Guideline HCLTV of 75% Lender Exception Request Granted:XXloan amount 80% of appraised value.   Lender Comments/Conditions: 3/26 VD Exception request to allow 80% LTV with LA of $XX approved. Lender Compensating Factors: DTI > than 10% below program requirement,  High discretionary income, 5 years in current job, VOR Ox30 in 24 months         Qualifying DTI below max allowed. - Calculated DTI of 15.11% is less than Guideline DTI of 45%

Borrower has stable job time - Borrower has 9.31 years on job.		 D B B B D B A A C A D D A C D D A C D D A C D D A C D D A C B B A A B B A A B B A A B B A A B B A A
839 XX   XX XX XX XX TX Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/14/2026 Acknowledged FCRE1195 Credit Audited CLTV Exceeds Guideline CLTV Audited CLTV of 80% exceeds Guideline CLTV of 75% Lender Exception Request Granted: XX loan amount 80% of appraised value.   Lender Comments/Conditions: 3/26 VD Exception request to allow 80% LTV with LA of XX approved. Lender Compensating Factors: DTI > than 10% below program requirement,  High discretionary income, 5 years in current job, VOR Ox30 in 24 months
         Qualifying DTI below max allowed. - Calculated DTI of 15.11% is less than Guideline DTI of 45%

Borrower has stable job time - Borrower has 9.31 years on job.		 D B B B D B A A C A D D A C D D A C D D A C D D A C D D A C B B A A B B A A B B A A B B A A B B A A
868 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/15/2026 Resolved finding-3526 Compliance Revised Loan Estimate Delivery Date Test (prior to consummation) This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: ( 12 CFR §1026.19(e)(4)(ii) )The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. Without evidence of receipt, it is assumed that the disclosure dated 04/XX/2026 was mailed, and therefore not received by the consumer 4 business days prior to the consummation date, 04/XX/2026.  The defect can be cured by providing evidence showing the consumer received the loan estimate at least 4 business days prior to consummation.

 Document Uploaded. ; Document Uploaded.  4/22/2026 Received Final LE receipt date - exception resolved; Attached documentation shows evidence of delivery but doesn't show evidence of receipt.  To clear the exception please provide evidence of receipt of LE 04/01/2026.  04/22/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 774 is greater than Guideline minimum FICO of 700.

Borrower has stable job time - Borrower has 13.26 years on job.		 C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
868 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/15/2026 Resolved FCOM5135 Compliance Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception:  Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates.

 Document Uploaded. Document was uploaded 4/20.  Please advise if not sufficient. Thank you.; Document Uploaded.  4/21/2026 Affiliated business disclosure provided, exception resolved; Required Affiliated Business Disclosure Documentation Provided.; Required Affiliated Business Disclosure Missing. 04/21/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 774 is greater than Guideline minimum FICO of 700.

Borrower has stable job time - Borrower has 13.26 years on job.		 C A B A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
868 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/15/2026 Resolved FCOM9186 Compliance eSigned Documents Consent is Missing The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated 03/02/2026, however missing proof of e-consent dated 10/08/202503/02/2026. or before.

 Can you please confirm exactly what is needed here?  Initial disclosures were esigned on 3/2/26.  Why would there be a need for an econsent from 10/8/25?  Please advise.  Thank you! 4/20/2026 Evidence of eConsent is provided. The eSigned documents consent is missing. 04/21/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 774 is greater than Guideline minimum FICO of 700.

Borrower has stable job time - Borrower has 13.26 years on job.		 C A B A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
868 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/15/2026 Resolved finding-3635 Compliance Charges That In Total Cannot Increase More Than 10% Test This loan failed the charges that in total cannot increase more than 10% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($1,750.00) exceed the comparable charges ($1,435.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130 Cure Required.  Refund in the amount of $171.50; cure package requires a PCCD, LOE,  and Copy of Refund Check, or Valid COC. The 10% tolerance violation in the amount of $171.50 is due to increase from $335.00 to $650.00 for the Mortgage Recording Fee on the CD issued 4/3/2026 without a valid reason.

 Document Uploaded.  4/20/2026 Received corrected PCCD - exception resolved; Received corrected PCCD - exception resolved 04/21/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 774 is greater than Guideline minimum FICO of 700.

Borrower has stable job time - Borrower has 13.26 years on job.		 C A C A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
868 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/15/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 04/16/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 774 is greater than Guideline minimum FICO of 700.

Borrower has stable job time - Borrower has 13.26 years on job.		 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
868 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/15/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 04/16/2026 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 774 is greater than Guideline minimum FICO of 700.

Borrower has stable job time - Borrower has 13.26 years on job.		 C A A A A A A A C A C A A C C A A C C A A C C A A C C A A C A A A A A A A A A A A A A A A A A A A A
873 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/21/2026 Resolved finding-3526 Compliance Revised Loan Estimate Delivery Date Test (prior to consummation) This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: ( 12 CFR §1026.19(e)(4)(ii) )The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: ( 12 CFR §1026.19(e)(4)(ii) )The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. Document Uploaded.  Document Uploaded.  Document Uploaded.  Revised LE receipt date provided; exception resolved Revised LE receipt date provided; exception resolved     Without evidence of receipt, it is assumed that the LE dated 03/XX/2026  was mailed, and therefore not received by the consumer 4 business days prior to the consummation date, 04/XX/2026. The defect can be cured by providing evidence showing the consumer received the loan estimate at least 4 business days prior to consummation
 04/22/2026 Borrower has stable job time - Borrower has 26.69 years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 736 is greater than Guideline minimum FICO of 720.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.42% is less than Guideline CLTV of 80%

Original LTV is Below the Guideline Maximum - Calculated LTV of 67.42% is less than Guideline LTV of 80%		 C B C A A A A A C B C A A C C A A C C A A C C A A C C A A C B A A B B A A B B A A B B A A B B A A B
873 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/16/2026 Cured FCOM1852 Compliance Incorrect rescission model used - RTC form model H-9 used for refinance not with Original Lender or Lender Affiliate Incorrect rescission model used - RTC form model H9 (Same Creditor) used for refinance not with Original Lender or Lender Affiliate Documentation required to clear exception:  Incorrect Right to Cancel form was used.  Right to cancel form H-9  (Same Lender) form was used and should have been H-8 (New Lender) form.  In order to cure rescission needs to be re-opened with correct form and a PCCD, LOE, and proof of delivery is required.

 		 Document Uploaded.  4/21/2026 Cure package provided to borrower;  04/22/2026 Borrower has stable job time - Borrower has 26.69 years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 736 is greater than Guideline minimum FICO of 720.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.42% is less than Guideline CLTV of 80%

Original LTV is Below the Guideline Maximum - Calculated LTV of 67.42% is less than Guideline LTV of 80%		 C B B B A A A A C B C A A C C A A C C A A C C A A C C A A C B A A B B A A B B A A B B A A B B A A B
873 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/15/2026 Resolved finding-3635 Compliance Charges That In Total Cannot Increase More Than 10% Test This loan failed the charges that in total cannot increase more than 10% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($2,375.00) exceed the comparable charges ($2,054.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required.  Refund in the amount of $115.60, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The 10% tolerance violation in the amount of $115.60 is due to increase from $329.00 to $650.00 for the Mortgage Recording Fee increasing on LE 03/27/2026. Document Uploaded.  4/20/2026 Received corrected PCCD - exception resolved; Received corrected PCCD - exception resolved 04/21/2026 Borrower has stable job time - Borrower has 26.69 years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 736 is greater than Guideline minimum FICO of 720.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.42% is less than Guideline CLTV of 80%

Original LTV is Below the Guideline Maximum - Calculated LTV of 67.42% is less than Guideline LTV of 80%		 C B C A A A A A C B C A A C C A A C C A A C C A A C C A A C B A A B B A A B B A A B B A A B B A A B
873 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/15/2026 Resolved FCOM3849 Compliance Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR  1002.14(a)(1)) The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation.  The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR  1002.14(a)(1)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date is required, but missing from the file.  If borrower waived the 3 day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close.   Document Uploaded.  4/17/2026 Evidence of appraisal delivery provided. 04/21/2026 Borrower has stable job time - Borrower has 26.69 years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 736 is greater than Guideline minimum FICO of 720.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.42% is less than Guideline CLTV of 80%

Original LTV is Below the Guideline Maximum - Calculated LTV of 67.42% is less than Guideline LTV of 80%		 C B B A A A A A C B C A A C C A A C C A A C C A A C C A A C B A A B B A A B B A A B B A A B B A A B
873 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/15/2026 Resolved FCOM9186 Compliance eSigned Documents Consent is Missing The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated 03/04/2026, however missing proof of e-consent dated 03/04/2026 or before. Document Uploaded.  4/20/2026 Evidence of eConsent is provided. The eSigned documents consent is missing.; The eSigned consent disclosure is missing. The eSigned documents consent is missing. 04/21/2026 Borrower has stable job time - Borrower has 26.69 years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 736 is greater than Guideline minimum FICO of 720.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.42% is less than Guideline CLTV of 80%

Original LTV is Below the Guideline Maximum - Calculated LTV of 67.42% is less than Guideline LTV of 80%		 C B B A A A A A C B C A A C C A A C C A A C C A A C C A A C B A A B B A A B B A A B B A A B B A A B
873 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/16/2026 Resolved FCOM5135 Compliance Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing. Documentation required to clear exception:  Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates.  Document Uploaded.  4/20/2026 Required Affiliated Business Disclosure Documentation Provided. 04/21/2026 Borrower has stable job time - Borrower has 26.69 years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 736 is greater than Guideline minimum FICO of 720.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.42% is less than Guideline CLTV of 80%

Original LTV is Below the Guideline Maximum - Calculated LTV of 67.42% is less than Guideline LTV of 80%		 C B B A A A A A C B C A A C C A A C C A A C C A A C C A A C B A A B B A A B B A A B B A A B B A A B
873 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/15/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 04/16/2026 Borrower has stable job time - Borrower has 26.69 years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 736 is greater than Guideline minimum FICO of 720.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.42% is less than Guideline CLTV of 80%

Original LTV is Below the Guideline Maximum - Calculated LTV of 67.42% is less than Guideline LTV of 80%		 C B A A A A A A C B C A A C C A A C C A A C C A A C C A A C B A A B B A A B B A A B B A A B B A A B
873 XX   XX XX XX XX CA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/15/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 04/16/2026 Borrower has stable job time - Borrower has 26.69 years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 736 is greater than Guideline minimum FICO of 720.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.42% is less than Guideline CLTV of 80%

Original LTV is Below the Guideline Maximum - Calculated LTV of 67.42% is less than Guideline LTV of 80%		 C B A A A A A A C B C A A C C A A C C A A C C A A C C A A C B A A B B A A B B A A B B A A B B A A B
874 XX   XX XX XX XX GA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/16/2026 Resolved FPRO9990 Property Third Party Valuation Product Not Provided within 10% Tolerance Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Document Uploaded.  4/20/2026 Third Party Valuation Product Not Provided or Not Provided Within Tolerance.; ; UCDP with score of 2.8. TPV required. ; Lender uploaded FNMA SSR 04/21/2026 Borrower has stable job time - Borrower has 2.99 years on job. C A C A A A C A A A C A C A C A C A C A C A C A C A C A C A A A A A A A A A A A A A A A A A A A A A
874 XX   XX XX XX XX GA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/16/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 04/17/2026 Borrower has stable job time - Borrower has 2.99 years on job. C A A A A A C A A A C A C A C A C A C A C A C A C A C A C A A A A A A A A A A A A A A A A A A A A A
874 XX   XX XX XX XX GA Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/16/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.     Informational 04/17/2026 Borrower has stable job time - Borrower has 2.99 years on job. C A A A A A C A A A C A C A C A C A C A C A C A C A C A C A A A A A A A A A A A A A A A A A A A A A
849 XX   XX XX XX XX KY Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/17/2026 Resolved FCRE8999 Credit No Credit Findings The loan meets all applicable credit guidelines.     Informational 04/20/2026 Borrower has stable job time - Borrower has 3.26 years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 766 is greater than Guideline minimum FICO of 700.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
849 XX   XX XX XX XX KY Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/17/2026 Resolved FPRO8998 Property No Property Findings Property and valuations related findings were not identified on the loan.     Informational 04/20/2026 Borrower has stable job time - Borrower has 3.26 years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 766 is greater than Guideline minimum FICO of 700.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
849 XX   XX XX XX XX KY Non-QM: Lender documented all ATR UW factors Loan Review Complete 04/17/2026 Resolved FCOM8997 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations.     Informational 04/20/2026 Borrower has stable job time - Borrower has 3.26 years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 766 is greater than Guideline minimum FICO of 700.		 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A