Exhibit 99.7
Exception Grades
Run Date
- 7/6/2026 12:49:40 PM
| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | Loan Exception ID | Exception ID | Exception Date | Exception Type | Exception Category | Exception Subcategory | 15E Category | Exception | Exception Detail | Exception Information | Compensating Factors | Compensating Factor Information | Applying Party | Follow-up Comments | Cleared Date | Cured Date | Waived Date | Waived with Regrade | Exception Level Grade | DBRS Initial Exception Rating | DBRS Final Exception Rating | Fitch Initial Exception Rating | Fitch Final Exception Rating | Kroll Initial Exception Rating | Kroll Final Exception Rating | Moody's Initial Exception Rating | Moody's Final Exception Rating | S&P Initial Exception Rating | S&P Final Exception Rating | Note Date | Property State | Occupancy | Purpose | Exception Remediation | Overall Initial Loan Grade |
Overall Final Loan Grade |
Credit Initial Loan Grade |
Credit Final Loan Grade |
Compliance Initial Loan Grade |
Compliance Final Loan Grade |
Property Initial Loan Grade |
Property Final Loan Grade |
Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| [redacted] | RCKT26CES700258 | 36604206 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/03/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES700258 | 36604207 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file was missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/03/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | FL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES700258 | 36604209 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or [redacted] appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-03): Seller acknowledges exception, no change to grading. |
06/03/2026 | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | FL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES700340 | 36590938 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/03/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | LA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES700340 | 36590950 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/03/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | LA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES700340 | 36590951 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or [redacted] appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-03): Seller acknowledges exception, no change to grading. |
06/03/2026 | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | LA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES700453 | 36592210 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or [redacted] appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-03): Seller acknowledges exception, no change to grading. |
06/03/2026 | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | AZ | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES700453 | 36592225 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/03/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | AZ | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES700453 | 36592227 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/03/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES700453 | 36592268 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance ([redacted]) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a [redacted] by the same creditor. The [redacted] form was used, the [redacted] form should have been used. | Reviewer Comment (2026-06-03): Seller acknowledges exception, no change to grading. |
06/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| [redacted] | RCKT26CES700517 | 36591008 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/03/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| [redacted] | RCKT26CES700517 | 36646917 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted] valuation was provided. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/03/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | NJ | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [redacted] | RCKT26CES700890 | 36591671 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES700890 | 36591675 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-06-05): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/05/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | MA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES701072 | 36607677 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | MO | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES701072 | 36607683 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-06-05): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/05/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | MO | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES701179 | 36590434 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES701179 | 36675835 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted] valuation was provided. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | NV | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES701290 | 36591048 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES701290 | 36591049 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-05): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/05/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | IL | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES701290 | 36591059 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance ([redacted]) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a [redacted] by the same creditor. The [redacted] form was used, the [redacted] form should have been used. | Reviewer Comment (2026-06-05): Seller acknowledges exception, no change to grading. |
06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| [redacted] | RCKT26CES701602 | 36590561 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES701602 | 36590569 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-06-05): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/05/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | WA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES701602 | 36590659 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance ([redacted]) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a [redacted] by the same creditor. The [redacted] form was used, the [redacted] form should have been used. | Reviewer Comment (2026-06-05): Seller acknowledges exception, no change to grading. |
06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| [redacted] | RCKT26CES701741 | 36590665 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/03/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | WV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES701741 | 36646970 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/03/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | WV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES701741 | 36647047 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Adoption subsidy was only utilized in the amount of $[redacted] versus $[redacted] which includes a [redacted]% gross up. The subsidy from the eldest child was not utilized as it does not meet the requirement for [redacted] year continuance. | Reviewer Comment (2026-06-19): Liability exclude as per credit report which is paid in full prior to closing. Exception cleared. Buyer Comment (2026-06-18): Please see the attached updated [redacted] and [redacted] removing the adoption income for the oldest from qualifying. Attached is a copy of confirmation that the [redacted] account was paid in full and closed prior to closing making it excludable from ratios. The DTI is within qualifying limits. |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES701741 | 36647057 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-06-19): Liability excluded as per credit report which is paid in full prior to closing. Exception cleared. Buyer Comment (2026-06-18): Please see the attached updated [redacted] and [redacted] removing the adoption income for the oldest from qualifying. Attached is a copy of confirmation that the [redacted] account was paid in full and closed prior to closing making it excludable from ratios. The DTI is within qualifying limits. |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES701741 | 36647058 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared when all other QM related exceptions are cleared. | Reviewer Comment (2026-06-19): Liability excluded as per credit report which is paid in full prior to closing. Exception cleared. Buyer Comment (2026-06-18): Please see the attached updated [redacted] and [redacted] removing the adoption income for the oldest from qualifying. Attached is a copy of confirmation that the [redacted] account was paid in full and closed prior to closing making it excludable from ratios. The DTI is within qualifying limits. |
06/19/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | WV | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| [redacted] | RCKT26CES701741 | 36647059 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs don't match and both moderately exceed Guidelines | General QM: The DTIs calculated in accordance with the Lenders Guidelines of [redacted]% and based on [redacted](e) of [redacted]% moderately exceed the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Adoption subsidy was only utilized in the amount of $[redacted] versus $[redacted] which includes a [redacted]% gross up. The subsidy from the eldest child was not utilized as it does not meet the requirement for [redacted] year continuance. | Reviewer Comment (2026-06-19): Liability excluded as per credit report which is paid in full prior to closing. Exception cleared. Buyer Comment (2026-06-18): Please see the attached updated [redacted] and [redacted] removing the adoption income for the oldest from qualifying. Attached is a copy of confirmation that the [redacted] account was paid in full and closed prior to closing making it excludable from ratios. The DTI is within qualifying limits. |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES701741 | 36647060 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Reviewer Comment (2026-06-19): Liability excluded as per credit report which is paid in full prior to closing. Exception cleared. Buyer Comment (2026-06-18): Please see the attached updated [redacted] and [redacted] removing the adoption income for the oldest from qualifying. Attached is a copy of confirmation that the [redacted] account was paid in full and closed prior to closing making it excludable from ratios. The DTI is within qualifying limits. |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES701741 | 36647062 | Compliance | Compliance | Federal Compliance | TRID | TIL HPML Appraisal Disclosure - HPML Timing | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted] days of the loan application date. | Documentation provided verifies disclosure receipt on [redacted] which is not within [redacted] business days of the initial application. | Reviewer Comment (2026-06-23): Documentation confirms timing of Government disclosure dated within [redacted] days of application. Exception cleared. Buyer Comment (2026-06-23): Please see further confirmation that the Government disclosures was provided to the borrower on [redacted]. Reviewer Comment (2026-06-22): The Govt Disclosure document does not mention an appraisal disclosure. The Loan Disclosure Summary pg [redacted], confirms the appraisal disclosure was sent to the borrower. The Loan Disclosure Summary in file has date of [redacted] which is not within [redacted] days of application. We do not have proof a Loan Disclosure Summary was sent to borrower within [redacted] days of application. Additionally, an attestation can be accepted commenting that the Early Package Disclosure included the Appraisal Disclosure. Exception still remains. Buyer Comment (2026-06-22): Please see the attached, confirmation of when the early disclosure package was provided, confirmation that the Government disclosure was part of the package, and the full early disclosure package confirming the Government disclosure document was part of this. Reviewer Comment (2026-06-22): Only proof that the Early Package Disclosure was provided at application. This document does not mention if Government Disclosure were included initial package. Additionally, Loan Disclosure Summary does mention inclusion of Appraisal Disclosure however, there is no proof Loan Disclosure Summary was provided within [redacted] Days of application. Exception remains. Reviewer Comment (2026-06-22): Diligence requires client attestation/comment confirming the Government Disclosure was included in the Early Package Disclosure as reflected on the LOS screenshot. Exception remains. Buyer Comment (2026-06-22): Please see the attached confirmation of right to receive appraisal verbiage provided timely to the borrower. Reviewer Comment (2026-06-22): Please provide evidence of receipt of the Right to Receive Appraisal Disclosure within 3 business days of application. Exception remains. Buyer Comment (2026-06-18): Please see the attached updated [redacted] and [redacted] removing the adoption income for the oldest from qualifying. Attached is a copy of confirmation that the [redacted] account was paid in full and closed prior to closing making it excludable from ratios. The DTI is within qualifying limits. |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES701869 | 36590693 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/03/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES701869 | 36590698 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/03/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | WA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES701869 | 36590699 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or [redacted] appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-03): Seller acknowledges exception, no change to grading. |
06/03/2026 | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | WA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES701931 | 36591157 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/03/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES701931 | 36591183 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [redacted] Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted] Higher-Priced Mortgage Loan: Borrower not provided with [redacted] of non-higher priced loans otherwise qualified for. | Reviewer Comment (2026-06-03): Seller acknowledges exception, no change to grading. |
06/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES701931 | 36591184 | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Non-Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted]+ [redacted], or [redacted]. Non-Compliant Higher Priced Loan. | Reviewer Comment (2026-06-03): Seller acknowledges exception, no change to grading. |
06/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES701931 | 36647134 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted] valuation was provided. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/03/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | MD | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES701975 | 36605368 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/04/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES701975 | 36647235 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted] valuation was provided. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | NY | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES701975 | 36653841 | Compliance | Compliance | State Compliance | State HPML | [redacted] Home Loan Threshold Fixed Compliant | [redacted] Subprime Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is in excess of allowable threshold of Prime Mortgage Market Rate [redacted]+ [redacted] or [redacted]. Compliant SubPrime Loan. | Reviewer Comment (2026-07-01): Loan satisfies all [redacted] Subprime conditions, and the loan is a Compliant [redacted] Subprime Loan. |
06/04/2026 | No | 1 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| [redacted] | RCKT26CES701990 | 36590870 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/03/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES701990 | 36647280 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted] valuation was provided. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/03/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES702046 | 36593932 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES702046 | 36594077 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or [redacted] appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-08): Seller acknowledges exception, no change to grading. |
06/08/2026 | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES702046 | 36594434 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES702046 | 36638810 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Excessive DTI due to unallocated HOA dues provided in the file, as well as unestablished HOA on the subject. This exception will be further reviewed upon receipt of additional documentation. | Reviewer Comment (2026-06-10): Received updated 1003 and 1008 document Exception Cleared. Buyer Comment (2026-06-09): Please see attached updated 1003 and 1008. We have added in the subject property HOA. The check is already in the loan file. We also updated the income calculation for [redacted] ln. Per the mortgage statement, we were including in an [redacted] amount into the monthly payment. This is not required as the shortage will pay off in [redacted] months or less. The DTI is back within qualifying guidelines. |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES702046 | 36638825 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs don't match and both moderately exceed Guidelines | General QM: The DTIs calculated in accordance with the Lenders Guidelines of [redacted] and based on [redacted] of[redacted] moderately exceed the guideline maximum of [redacted]. (DTI Exception is eligible to be regraded with compensating factors.) | The only paystub provided to diligence shows a monthly salary of [redacted]. Lender considered [redacted]month in base pay. There were no additional pay types such as [redacted]. Please provide additional documentation that supports considering [redacted]/month and confirmation of how this was allocated. If the borrower's salaried earnings are not consistent monthly, please provide supporting documentation from the employer for the same. It is noted there appears to be additional earnings, however, it is also possible the borrower took a pay cut and [redacted] is the new salary. Diligence needs additional supporting documentation. | Reviewer Comment (2026-06-10): Received updated 1003 and 1008 document Exception Cleared. Buyer Comment (2026-06-09): Please see attached updated 1003 and 1008. We have added in the subject property HOA. The check is already in the loan file. We also updated the income calculation for [redacted] ln. Per the mortgage statement, we were including in an [redacted] amount into the monthly payment. This is not required as the shortage will pay off in [redacted] months or less. The DTI is back within qualifying guidelines. |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES702046 | 36638826 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Reviewer Comment (2026-06-10): Received updated 1003 and 1008 document. Exception Cleared. Buyer Comment (2026-06-09): Please see attached updated 1003 and 1008. We have added in the subject property HOA. The check is already in the loan file. We also updated the income calculation for [redacted] ln. Per the mortgage statement, we were including in an [redacted] amount into the monthly payment. This is not required as the shortage will pay off in [redacted] months or less. The DTI is back within qualifying guidelines. |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES702046 | 36638829 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared. | Reviewer Comment (2026-06-10): Received updated 1003 and 1008 document. Exception Cleared. Buyer Comment (2026-06-09): Please see attached updated 1003 and 1008. We have added in the subject property HOA. The check is already in the loan file. We also updated the income calculation for [redacted] ln. Per the mortgage statement, we were including in an [redacted] amount into the monthly payment. This is not required as the shortage will pay off in [redacted] months or less. The DTI is back within qualifying guidelines. |
06/10/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | AL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| [redacted] | RCKT26CES702068 | 36592145 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | AL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES702068 | 36592146 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-06-05): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/05/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | AL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES702136 | 36603975 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES702136 | 36603977 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-06-05): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/05/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | NV | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES702425 | 36603375 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES702425 | 36603378 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-06-05): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/05/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | MA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES702453 | 36592255 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||||
| [redacted] | RCKT26CES702453 | 36592373 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The third-party verification of employment for[redacted] business was not time-stamped. Please provide evidence of when the lender obtained the verification for review. | Reviewer Comment (2026-06-11): Received Third Party Verification with Time Stamp. Exception Cleared. Buyer Comment (2026-06-10): Please see attached, [redacted] with timestamp to confirm when it was obtained. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [redacted] | RCKT26CES702453 | 36592438 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared when all ATR related exceptions are cleared. | Reviewer Comment (2026-06-11): Received Third Party Verification with Time Stamp. Exception Cleared. |
06/11/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [redacted] | RCKT26CES702453 | 36592439 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): [redacted] Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | [redacted] was not present in the file. Evidence of tax return extension was not provided. | Reviewer Comment (2026-06-08): Seller acknowledges exception, no change to grading. |
06/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [redacted] | RCKT26CES702453 | 36592449 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | ATR failure due to missing income documentation. This exception will be cleared when all ATR related exceptions are cleared. | Reviewer Comment (2026-06-11): Received Third Party Verification with Time Stamp. Exception Cleared. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [redacted] | RCKT26CES702453 | 36868416 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-01): Seller acknowledges exception; secondary valuation not required per product guidelines |
07/01/2026 | No | 1 | N/A | A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||||||
| [redacted] | RCKT26CES702474 | 36590635 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| [redacted] | RCKT26CES702474 | 36675846 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No [redacted] valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. Reviewer Comment (2026-06-08): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | PA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [redacted] | RCKT26CES702659 | 36591120 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | MI | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES702659 | 36591122 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-06-05): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/05/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | MI | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES702689 | 36604347 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES702689 | 36604348 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. Reviewer Comment (2026-06-08): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES702689 | 36605394 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared. | Reviewer Comment (2026-06-17): Received 1040's for Co borrower for the year [redacted] & [redacted]. Exception Cleared. Buyer Comment (2026-06-17): Please see the missing 1040s attached Reviewer Comment (2026-06-10): 1040 for Co borrower for the year [redacted] & [redacted] are missing in file. Please provide for review. Exception remains. Buyer Comment (2026-06-09): Please see SE verification attached. The screen shots confirm the timestamp is the [redacted] verification for the business in question |
06/17/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| [redacted] | RCKT26CES702689 | 36605395 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - S-Corp | General QM: Unable to verify [redacted] income using reasonably reliable third-party records. | [redacted] for coborrower are missing. | Reviewer Comment (2026-06-16): Received 1040's for Co borrower for the year [redacted] & [redacted]. Exception Cleared. Buyer Comment (2026-06-16): Please see the [redacted] and [redacted] 1040s for [redacted] attached Reviewer Comment (2026-06-10): 1040 for Co borrower for the year [redacted] & [redacted] are missing in file. Please provide for review. Exception remains. Buyer Comment (2026-06-09): Please see SE verification attached. The screen shots confirm the timestamp is the [redacted] verification for the business in question |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES702689 | 36677596 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | [redacted] for both [redacted] and [redacted] were not provided for the coborrower. [redacted] for [redacted] and [redacted] were used for income. | Reviewer Comment (2026-06-16): Received 1040's for Co borrower for the year [redacted] & [redacted]. Exception Cleared. Buyer Comment (2026-06-16): Please see the [redacted] and [redacted] 1040s for [redacted] attached Reviewer Comment (2026-06-10): 1040 for Co borrower for the year [redacted] & [redacted] are missing in file. Please provide for review. Exception remains. Buyer Comment (2026-06-09): Please see SE verification attached. The screen shots confirm the timestamp is the [redacted] verification for the business in question |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES702689 | 36677626 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Reviewer Comment (2026-06-16): Received 1040's for Co borrower for the year [redacted] & [redacted]. Exception Cleared. Buyer Comment (2026-06-16): Please see the [redacted] and [redacted] 1040s for [redacted] attached Reviewer Comment (2026-06-10): 1040 for Co borrower for the year [redacted] & [redacted] are missing in file. Please provide for review. Exception remains. |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES702748 | 36590811 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES702748 | 36590813 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-06-05): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/05/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | AZ | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES702825 | 36590986 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| [redacted] | RCKT26CES702825 | 36677637 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted] valuation was provided. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. Reviewer Comment (2026-06-08): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [redacted] | RCKT26CES703078 | 36604012 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES703078 | 36604014 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. Reviewer Comment (2026-06-08): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | FL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES703097 | 36592158 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | MI | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES703097 | 36677694 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted] valuation was provided. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. Reviewer Comment (2026-06-08): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | MI | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES703105 | 36590921 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES703105 | 36590923 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. Reviewer Comment (2026-06-08): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | PA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES703105 | 36590939 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The borrower's [redacted] is not a complete scan. Please provide the Award Letter or equivalent documentation for review. | Reviewer Comment (2026-06-11): SSI Award Letter received. Exception Cleared. Buyer Comment (2026-06-10): Please see attached, SSA award letter as requested. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES703105 | 36590966 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared. | Reviewer Comment (2026-06-11): SSI Award Letter received. Exception Cleared. |
06/11/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | PA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| [redacted] | RCKT26CES703105 | 36590967 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Reviewer Comment (2026-06-11): SSI Award Letter received. Exception Cleared. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES703105 | 36590968 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance ([redacted]) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a [redacted] by the same creditor. The [redacted] form was used, the [redacted] form should have been used. | Reviewer Comment (2026-06-17): Proof of borrower's receipt of letter of explanation along with re-opened rescission on correct RTC form has been provided to cure exception. Buyer Comment (2026-06-17): Please see the updated [redacted] package attached |
06/17/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | PA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| [redacted] | RCKT26CES703168 | 36597778 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES703168 | 36597810 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-06-05): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/05/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | NV | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES703286 | 36592093 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | OK | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES703286 | 36592444 | Compliance | Compliance | State Compliance | State HPML | (State HPML) [redacted] Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted]+ [redacted], or [redacted]. Compliant Higher Priced Loan. | Reviewer Comment (2026-06-08): Loan satisfies all [redacted] HPML conditions, and the loan is a compliant [redacted] HPML loan. |
06/08/2026 | No | 1 | B | B | B | B | B | B | B | B | B | B | OK | Primary | Refinance - Cash-out - Other | No obvious cure | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES703286 | 36674286 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted] valuation was provided. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | OK | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES703304 | 36592538 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| [redacted] | RCKT26CES703304 | 36592662 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted]+ [redacted], or [redacted]. Non-Compliant Higher Priced Loan. | Reviewer Comment (2026-06-11): A screenshot from the lender's LOS system evidencing the transmission of the Early Package along with a LOE/attestation within the stip response, indicating all the documents were provided/uploaded to diligence on that date, included the [redacted] which contained the Right to Receive Appraisal Disclosure. Exception cleared. Buyer Comment (2026-06-09): Please see attached, the appraisal disclosure was part of the early disclosure packet. I uploaded packet as well as the confirmation as to when it was uploaded. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| [redacted] | RCKT26CES703304 | 36592673 | Compliance | Compliance | Federal Compliance | TRID | TIL HPML Appraisal Disclosure - HPML Timing | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted] days of the loan application date. | The file was missing evidence that the Right to Receive Appraisal Disclosure was provided within [redacted] days of the application. Please provide for review. | Reviewer Comment (2026-06-11): A screenshot from the lender's LOS system evidencing the transmission of the Early Package along with a LOE/attestation within the stip response, indicating all the documents were provided/uploaded to diligence on that date, included the [redacted] which contained the Right to Receive Appraisal Disclosure. Exception cleared. Buyer Comment (2026-06-09): Please see attached, the appraisal disclosure was part of the early disclosure packet. I uploaded packet as well as the confirmation as to when it was uploaded. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [redacted] | RCKT26CES703304 | 36674338 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted] valuation was provided. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | CO | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| [redacted] | RCKT26CES703308 | 36607236 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | DE | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||||
| [redacted] | RCKT26CES703308 | 36607295 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance ([redacted]) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The [redacted] form was used, the [redacted] form should have been used. | Reviewer Comment (2026-06-19): LOE, proof of delivery, and H-9 RTC provided. New rescission period has passed, exception cured. Buyer Comment (2026-06-17): Please see the attached ROR. |
06/19/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | DE | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| [redacted] | RCKT26CES703308 | 36611218 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Diligence utilized $[redacted] versus $[redacted] for the additional REO. The lender did not include taxes and insurance, and the mortgage statement does not reflect that taxes and insurance were included in the mortgage payment. Please provide additional support for cash flow considered. | Borrower has worked in the same position for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. |
Borrower has been on current job for [redacted]+ years. Disposable income of $[redacted]. |
SitusAMC,Originator Originator,SitusAMC |
Reviewer Comment (2026-06-26): Client requests to waive with compensating factors. Buyer Comment (2026-06-24): Please downgrade the exception with the following comp factors: 1. [redacted] FICO 2. $[redacted] Monthly residual income 3. [redacted]+ years of consistent job history with the same employer. 4. No Adverse action listed on the credit report. |
06/26/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | DE | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| [redacted] | RCKT26CES703308 | 36611223 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared when all ATR-related exceptions are cleared. | Reviewer Comment (2026-06-26): Client requests to waive with compensating factors. Buyer Comment (2026-06-24): Please downgrade the exception with the following comp factors: 1. [redacted] FICO 2. $[redacted] Monthly residual income 3. [redacted]+ years of consistent job history with the same employer. 4. No Adverse action listed on the credit report. |
06/26/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | DE | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [redacted] | RCKT26CES703308 | 36611224 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | ATR risk due to excessive DTI. This exception will be cleared when all ATR-related exceptions are cleared. | Reviewer Comment (2026-06-26): Client request to waive with compensating factors. Buyer Comment (2026-06-24): Please downgrade the exception with the following comp factors: 1. [redacted] FICO 2. $[redacted] Monthly residual income 3. [redacted]+ years of consistent job history with the same employer. 4. No Adverse action listed on the credit report. |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DE | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [redacted] | RCKT26CES703308 | 36611225 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs don't match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTIs calculated in accordance with the Lenders Guidelines of [redacted]% and based on [redacted] of [redacted]% moderately exceed the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Diligence utilized $[redacted] versus $[redacted] for the additional REO. The lender did not include taxes and insurance, and the mortgage statement does not reflect that taxes and insurance were included in the mortgage payment. Please provide additional support for cash flow considered. | Borrower has worked in the same position for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. |
Borrower has been on current job for [redacted]+ years. Disposable income of $[redacted]. |
SitusAMC,Originator Originator,SitusAMC |
Reviewer Comment (2026-06-26): Client requests to waive with compensating factors. Buyer Comment (2026-06-24): Please downgrade the exception with the following comp factors: 1. [redacted] FICO 2. $[redacted] Monthly residual income 3. [redacted]+ years of consistent job history with the same employer. 4. No Adverse action listed on the credit report. |
06/26/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | DE | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| [redacted] | RCKT26CES703308 | 36611241 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Please provide evidence of the annual premium in the annual amount of $[redacted], as utilized in qualifying. | Reviewer Comment (2026-06-16): Hazard Insurance policy received. Exception cleared. Buyer Comment (2026-06-16): Please see attached, Ins as requested. |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DE | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| [redacted] | RCKT26CES703308 | 36674883 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No secondary valuation was provided. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | DE | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| [redacted] | RCKT26CES703312 | 36606578 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | OK | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES703312 | 36674097 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted] valuation was provided. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | OK | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES703488 | 36607895 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES703488 | 36674196 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted] valuation was provided. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | NY | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES703651 | 36590858 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or [redacted] appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-05): Seller acknowledges exception, no change to grading. |
06/05/2026 | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES703651 | 36590865 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/05/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES703651 | 36590872 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES703727 | 36607017 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| [redacted] | RCKT26CES703727 | 36607103 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file was missing the HOA dues for the subject property totaling $[redacted] per month. The 1004 reflects $[redacted] for HOA dues, and additional supporting documentation was not present in the file. | Reviewer Comment (2026-06-16): Received HOA verification document along with updated 1003 & 1008 subject property does not have any HOA dues. Exception cleared Buyer Comment (2026-06-15): please see the updated 1008 attached Reviewer Comment (2026-06-15): Provided updated 1003 reflects no HOA dues. Additionally, require updated 1008 confirms no HOA dues. Exception Remains. Buyer Comment (2026-06-12): Please see attached Reviewer Comment (2026-06-11): The updated 1003 and 1008 provided still reflect the [redacted] in HOA dues, and the loan closed as a [redacted] completed as a [redacted]. Please provide evidence of the current HOA dues as considered if this was an appraiser error, or provide confirmation lender has removed the HOA from their calculations because no HOA dues exist. Exception remains for additional information. Buyer Comment (2026-06-09): Please review the appraisal which confirms [redacted] in HOA dues for the subject property, the [redacted] was used in error. Please see the corrected 1003, 1008 attached |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [redacted] | RCKT26CES703727 | 36666891 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted] valuation was provided. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/05/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [redacted] | RCKT26CES703818 | 36607197 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES703818 | 36607198 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/05/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES703818 | 36607201 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or [redacted] appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-05): Seller acknowledges exception, no change to grading. |
06/05/2026 | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES703818 | 36607286 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: [redacted] Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted] Tax Return Due Date [redacted]. | Reviewer Comment (2026-06-05): Seller acknowledges exception, no change to grading. |
06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES703818 | 36667162 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The file was missing the [redacted] K-1 from [redacted]. Please provide for review. | Reviewer Comment (2026-06-08): Received Schedule [redacted]. Exception Cleared. Buyer Comment (2026-06-08): Please see attached, [redacted] as requested. |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES703818 | 36667174 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Reviewer Comment (2026-06-08): Received Schedule [redacted]. Exception Cleared. Buyer Comment (2026-06-08): Please see uploaded document, [redacted] as requested |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES703818 | 36667175 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: [redacted] Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted] Tax Return Due Date [redacted]. | Reviewer Comment (2026-06-05): Seller acknowledges exception, no change to grading. |
06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES703818 | 36667183 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared. | Reviewer Comment (2026-06-18): [redacted] received confirming [redacted]ownership. Cash flow updated, income is in line with lender. Exception cleared. Buyer Comment (2026-06-16): Received Schedule [redacted]. Exception Cleared. |
06/18/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| [redacted] | RCKT26CES703825 | 36592257 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES703825 | 36592261 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-06-04): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | NC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES704124 | 36591999 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES704124 | 36592002 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-06-04): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES704262 | 36593275 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES704262 | 36593276 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or [redacted] appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-05): Seller acknowledges exception, no change to grading. |
06/05/2026 | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES704262 | 36593299 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file is missing the Final CD or all PITIA documentation for this[redacted]. Please provide supporting PITIA documentation for review. | Reviewer Comment (2026-06-08): Received Final CD for the property. Exception cleared Buyer Comment (2026-06-08): Please see the attached final CD. |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES704262 | 36593308 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/05/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES704351 | 36591161 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||||
| [redacted] | RCKT26CES704351 | 36591187 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance ([redacted]) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a [redacted] by the same creditor. The [redacted] form was used, the [redacted] form should have been used. | Reviewer Comment (2026-06-05): Seller acknowledges exception, no change to grading. |
06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NV | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| [redacted] | RCKT26CES704351 | 36667604 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted] valuation was provided. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/05/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | NV | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| [redacted] | RCKT26CES704525 | 36591590 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES704525 | 36591596 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-06-04): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | NJ | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES704572 | 36604270 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES704572 | 36604275 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-06-04): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES704575 | 36603191 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES704575 | 36603192 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-06-04): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | PA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES704586 | 36603495 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES704586 | 36667651 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted] valuation was provided. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/05/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | OH | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES704595 | 36604949 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES704595 | 36605026 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-06-04): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | FL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES704634 | 36590477 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | VA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES704634 | 36590482 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-06-04): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | VA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES704728 | 36591915 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES704728 | 36591926 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/05/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | CO | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES704728 | 36591927 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or [redacted] appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-05): Seller acknowledges exception, no change to grading. |
06/05/2026 | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | CO | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES704728 | 36591968 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance ([redacted]) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a [redacted] by the same creditor. The [redacted] form was used, the [redacted] form should have been used. | Reviewer Comment (2026-06-05): Seller acknowledges exception, no change to grading. |
06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| [redacted] | RCKT26CES704733 | 36607183 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES704733 | 36607205 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or [redacted] appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-05): Seller acknowledges exception, no change to grading. |
06/05/2026 | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | NC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES704733 | 36607209 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/05/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | NC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES705119 | 36592364 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-06-04): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | FL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES705119 | 36592365 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES705223 | 36593141 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES705223 | 36593143 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-06-04): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | WA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES705233 | 36603226 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | VA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| [redacted] | RCKT26CES705233 | 36667963 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted] valuation was provided. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/05/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | VA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [redacted] | RCKT26CES705367 | 36603400 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-06-04): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | CO | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES705367 | 36603404 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES705541 | 36601735 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | OK | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES705541 | 36601760 | Compliance | Compliance | State Compliance | State HPML | (State HPML) [redacted] Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted]+ [redacted], or [redacted]. Compliant Higher Priced Loan. | Reviewer Comment (2026-06-05): Loan satisfies all [redacted] HPML conditions, and the loan is a compliant [redacted] HPML loan. |
06/05/2026 | No | 1 | B | B | B | B | B | B | B | B | B | B | OK | Primary | Refinance - Cash-out - Other | No obvious cure | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES705541 | 36668009 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted] valuation was provided. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/05/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | OK | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES705653 | 36591941 | Compliance | Compliance | State Compliance | Compliance | [redacted] has been discontinued effective [redacted]. Most recent available index value used for bona fide discount point testing. | 06/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AR | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||||
| [redacted] | RCKT26CES705653 | 36592490 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | AR | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||||
| [redacted] | RCKT26CES705653 | 36668102 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted] valuation was provided. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | AR | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| [redacted] | RCKT26CES705692 | 36607466 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | VA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES705692 | 36607477 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-06-04): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | VA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES705719 | 36592124 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file was missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | TX | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES705719 | 36592125 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or [redacted] appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-05): Seller acknowledges exception, no change to grading. |
06/05/2026 | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | TX | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES705719 | 36592126 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES705719 | 36601039 | Compliance | Compliance | State Compliance | Misc. State Level | [redacted] Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | [redacted]: The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of [redacted]. Test performed using [redacted] value or other valuation method in file other than appraisal. | 06/08/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| [redacted] | RCKT26CES705752 | 36601699 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES705752 | 36601725 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-06-04): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | MA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES705872 | 36603344 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | NH | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES705872 | 36603346 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-06-04): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | NH | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES705973 | 36602344 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [redacted] Subprime Loan (Counseling Disclosure Not Provided at Application but within [redacted] Days) | [redacted] Subprime Loan: Counseling Disclosure not provided to borrower at the time of application, but within [redacted] days of application. | Counseling disclosure was provided on [redacted]. | Reviewer Comment (2026-06-05): Loan satisfies all [redacted] Subprime conditions, and the loan is a Compliant [redacted] Subprime Loan. |
06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | No obvious cure | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [redacted] | RCKT26CES705973 | 36602350 | Compliance | Compliance | State Compliance | State HPML | [redacted] Home Loan Threshold Fixed Compliant | [redacted] Subprime Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is in excess of allowable threshold of Prime Mortgage Market Rate [redacted]+ [redacted] or [redacted]. Compliant SubPrime Loan. | Reviewer Comment (2026-06-05): Loan satisfies all [redacted] Subprime conditions, and the loan is a Compliant [redacted] Subprime Loan. |
06/08/2026 | No | 1 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| [redacted] | RCKT26CES705973 | 36602351 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance ([redacted]) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a [redacted] by the same creditor. The [redacted] form was used, the [redacted] form should have been used. | Reviewer Comment (2026-06-08): Seller acknowledges exception, no change to grading. |
06/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| [redacted] | RCKT26CES705973 | 36602720 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||||
| [redacted] | RCKT26CES705973 | 36668339 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal from [redacted] transaction was in file. No [redacted] valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | NY | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| [redacted] | RCKT26CES706089 | 36591665 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES706089 | 36591669 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-06-04): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES706127 | 36604337 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES706127 | 36604338 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | TX | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES706127 | 36604339 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or [redacted] appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-05): Seller acknowledges exception, no change to grading. |
06/05/2026 | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | TX | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES706127 | 36604408 | Compliance | Compliance | State Compliance | Misc. State Level | [redacted] Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | [redacted]: The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of [redacted]. Test performed using [redacted] value or other valuation method in file other than appraisal. | 06/08/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| [redacted] | RCKT26CES706197 | 36592592 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES706197 | 36668498 | Compliance | Compliance | State Compliance | State HPML | [redacted] Home Loan Threshold Fixed Compliant | [redacted] Subprime Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is in excess of allowable threshold of Prime Mortgage Market Rate [redacted]+ [redacted] or [redacted]. Compliant SubPrime Loan. | Reviewer Comment (2026-06-05): Loan satisfies all [redacted] Subprime conditions, and the loan is a Compliant [redacted] Subprime Loan. |
06/08/2026 | No | 1 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| [redacted] | RCKT26CES706197 | 36668503 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [redacted] Subprime Loan (Counseling Disclosure Not Provided at Application but within [redacted] Days) | [redacted] Subprime Loan: Counseling Disclosure not provided to borrower at the time of application, but within [redacted] days of application. | [redacted]Subprime Counseling Disclosure was provided on [redacted]. | Reviewer Comment (2026-06-05): Loan satisfies all [redacted] Subprime conditions, and the loan is a Compliant [redacted] Subprime Loan. |
06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | No obvious cure | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| [redacted] | RCKT26CES706197 | 36668594 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No [redacted] valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | NY | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES706211 | 36595394 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES706211 | 36595427 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES706211 | 36595439 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or [redacted] appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-05): Seller acknowledges exception, no change to grading. |
06/05/2026 | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES706267 | 36591782 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES706267 | 36668911 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No [redacted] valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | NY | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES706314 | 36607647 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES706314 | 36607652 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES706314 | 36607654 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or [redacted] appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-05): Seller acknowledges exception, no change to grading. |
06/05/2026 | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES706314 | 36607658 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | The file was missing the preliminary policy or title search. Please provide title for review. | Reviewer Comment (2026-06-10): Received Title Preliminary document. Exception Cleared. Buyer Comment (2026-06-09): Please see attached prelim title policy, please note final title policy is a trailing document. |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES706314 | 36696869 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Buyer Comment (2026-06-11): Seller acknowledges exception, no change to grading. |
06/11/2026 | No | 2 | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| [redacted] | RCKT26CES706373 | 36604285 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES706373 | 36604288 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-06-04): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | NC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES706434 | 36603862 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance ([redacted]) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a [redacted] by the same creditor. The [redacted] form was used, the [redacted] form should have been used. | Reviewer Comment (2026-06-08): Seller acknowledges exception, no change to grading. |
06/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| [redacted] | RCKT26CES706434 | 36603869 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES706434 | 36669049 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No [redacted] valuation was provided. [redacted] and [redacted] results are contradictory. Appraisal was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. Reviewer Comment (2026-06-17): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/17/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | AZ | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES706492 | 36603464 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-06-04): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | NE | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES706492 | 36603467 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | NE | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES706555 | 36608187 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | NM | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| [redacted] | RCKT26CES706555 | 36669283 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted] valuation was provided. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | NM | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [redacted] | RCKT26CES706594 | 36608191 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | UT | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES706594 | 36608192 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-06-04): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | UT | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES706644 | 36608216 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | VA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES706644 | 36669453 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal from [redacted] transaction was in file. No [redacted] valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | VA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES706719 | 36606794 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES706719 | 36606796 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-06-04): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES706799 | 36606982 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or [redacted] appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-05): Seller acknowledges exception, no change to grading. |
06/05/2026 | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES706799 | 36606984 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES706799 | 36606985 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES706816 | 36608083 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES706816 | 36608086 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-06-04): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | IL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES706871 | 36606909 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES706871 | 36669956 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted] valuation was provided. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | NY | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES706886 | 36607331 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | WY | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES706886 | 36607333 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-06-04): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | WY | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES706886 | 36607359 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance ([redacted]) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a [redacted] by the same creditor. The [redacted] form was used, the [redacted] form should have been used. | Reviewer Comment (2026-06-05): Seller acknowledges exception, no change to grading. |
06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| [redacted] | RCKT26CES706897 | 36608235 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES706897 | 36608236 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-06-04): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES706941 | 36607704 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES706941 | 36607705 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No [redacted] valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | NJ | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES706953 | 36608028 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES706953 | 36608141 | Compliance | Compliance | State Compliance | State HPML | [redacted] Home Loan Threshold Fixed Compliant | [redacted] Subprime Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is in excess of allowable threshold of Prime Mortgage Market Rate [redacted]+ [redacted] or [redacted]. Compliant SubPrime Loan. | Reviewer Comment (2026-06-05): Loan satisfies all [redacted] Subprime conditions, and the loan is a Compliant [redacted] Subprime Loan. |
06/08/2026 | No | 1 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| [redacted] | RCKT26CES706953 | 36670143 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted] valuation was provided. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | NY | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES706968 | 36606753 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES706968 | 36670200 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted] valuation was provided. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES706990 | 36607037 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES706990 | 36670272 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted] valuation was provided. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | OH | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES706992 | 36606630 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES706992 | 36606633 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-06-04): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | OH | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES707005 | 36606990 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES707005 | 36606991 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-06-04): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | OH | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES707029 | 36606996 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES707029 | 36607001 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance ([redacted]) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a [redacted] by the same creditor. The [redacted] form was used, the [redacted] form should have been used. | Reviewer Comment (2026-06-08): Seller acknowledges exception, no change to grading. |
06/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| [redacted] | RCKT26CES707029 | 36607004 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-06-04): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | AZ | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES707049 | 36607048 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-06-04): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | KY | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES707049 | 36607049 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | KY | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES707071 | 36607828 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES707071 | 36607832 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | WA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES707071 | 36607833 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or [redacted] appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-05): Seller acknowledges exception, no change to grading. |
06/05/2026 | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | WA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES707109 | 36607525 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES707109 | 36607528 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES707109 | 36607529 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or [redacted] appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-05): Seller acknowledges exception, no change to grading. |
06/05/2026 | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES707116 | 36607974 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| [redacted] | RCKT26CES707116 | 36607975 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/08/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | FL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [redacted] | RCKT26CES707116 | 36607976 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or [redacted] appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-05): Seller acknowledges exception, no change to grading. |
06/05/2026 | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | FL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [redacted] | RCKT26CES707144 | 36607239 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/08/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES707144 | 36607242 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-06-05): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/05/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | TN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES707159 | 36608057 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/04/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES707159 | 36657043 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted] valuation was provided. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES707194 | 36606695 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/04/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| [redacted] | RCKT26CES707194 | 36657071 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted] valuation was provided. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | GA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [redacted] | RCKT26CES707213 | 36606442 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/04/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES707213 | 36606449 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | SC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES707213 | 36606450 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or [redacted] appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-04): Seller acknowledges exception, no change to grading. |
06/04/2026 | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | SC | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES707219 | 36607917 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/04/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES707219 | 36607918 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES707219 | 36607926 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or [redacted] appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-04): Seller acknowledges exception, no change to grading. |
06/04/2026 | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES707264 | 36606906 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/04/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | KY | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES707264 | 36606907 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | KY | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES707264 | 36606908 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or [redacted] appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-04): Seller acknowledges exception, no change to grading. |
06/04/2026 | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | KY | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES707279 | 36609829 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/04/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | WY | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES707279 | 36657134 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal from [redacted] transaction was in file. No [redacted] valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | WY | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES707288 | 36607410 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/04/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES707288 | 36607414 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | NV | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES707288 | 36607415 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or [redacted] appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-04): Seller acknowledges exception, no change to grading. |
06/04/2026 | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | NV | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES707302 | 36608117 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/04/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | MN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES707302 | 36608121 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | MN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES707302 | 36608122 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or [redacted] appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-04): Seller acknowledges exception, no change to grading. |
06/04/2026 | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | MN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES707306 | 36607373 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/04/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES707306 | 36607376 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | AZ | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES707306 | 36607378 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or [redacted] appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-04): Seller acknowledges exception, no change to grading. |
06/04/2026 | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | AZ | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES707315 | 36607178 | Compliance | Compliance | State Compliance | Compliance | [redacted] has been discontinued effective [redacted]. Most recent available index value used for bona fide discount point testing. | Reviewer Comment (2026-06-04): Seller acknowledges exception, no change to grading. |
06/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AR | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| [redacted] | RCKT26CES707315 | 36608744 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/04/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | AR | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES707315 | 36608745 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted] valuation was provided. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | AR | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES707315 | 36608748 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance ([redacted]) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a [redacted] by the same creditor. The [redacted] form was used, the [redacted] form should have been used. | Reviewer Comment (2026-06-04): Seller acknowledges exception, no change to grading. |
06/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AR | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| [redacted] | RCKT26CES707337 | 36608230 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/04/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | DE | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES707337 | 36608231 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | DE | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES707337 | 36608233 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or [redacted] appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-04): Seller acknowledges exception, no change to grading. |
06/04/2026 | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | DE | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES707350 | 36607007 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/04/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | MI | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES707350 | 36607010 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | MI | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES707350 | 36607011 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or [redacted] appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-04): Seller acknowledges exception, no change to grading. |
06/04/2026 | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | MI | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES707353 | 36608815 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/04/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES707353 | 36608817 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | PA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES707353 | 36608818 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or [redacted] appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-04): Seller acknowledges exception, no change to grading. |
06/04/2026 | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | PA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES707374 | 36607396 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/04/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES707374 | 36607398 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | OH | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES707374 | 36607399 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or [redacted] appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-04): Seller acknowledges exception, no change to grading. |
06/04/2026 | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | OH | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES707390 | 36607618 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/04/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES707390 | 36607619 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or [redacted] appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-04): Seller acknowledges exception, no change to grading. |
06/04/2026 | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES707390 | 36607621 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES707390 | 36607662 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing the HOA dues documentation for this property. Please provide for review. | Reviewer Comment (2026-06-05): Received HOA verification document subject property does not have any HOA dues. Exception cleared Buyer Comment (2026-06-05): Please see the attached HOA verification from [redacted]. |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES707409 | 36607898 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/09/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES707409 | 36607900 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/09/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | FL | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES707409 | 36607901 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or [redacted] appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-08): Seller acknowledges exception, no change to grading. |
06/08/2026 | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | FL | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES707409 | 36607941 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | Diligence calculated the QM APOR at [redacted] which does not exceed the Threshold of [redacted]. | Reviewer Comment (2026-06-15): Excluded odd days interest. Exception cleared. Buyer Comment (2026-06-11): Please see the print out from the [redacted] website showing matching APR at [redacted]. Please update your calc to remove the odd days interest. |
06/15/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| [redacted] | RCKT26CES707411 | 36606932 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/09/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | MO | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES707411 | 36606933 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-06-05): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/05/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | MO | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES707431 | 36606863 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/09/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | IN | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES707431 | 36606868 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance ([redacted]) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a [redacted] by the same creditor. The [redacted] form was used, the [redacted] form should have been used. | Reviewer Comment (2026-06-09): Seller acknowledges exception, no change to grading. |
06/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | IN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| [redacted] | RCKT26CES707431 | 36674784 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted] valuation was provided. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/09/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | IN | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES707448 | 36608284 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/09/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | VA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES707448 | 36608286 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-06-05): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/05/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | VA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES707466 | 36607012 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-06-05): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |
06/05/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | UT | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES707466 | 36607013 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/09/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | UT | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES707486 | 36607533 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/09/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||||
| [redacted] | RCKT26CES707486 | 36607626 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance ([redacted]) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a [redacted] by the same creditor. The [redacted] form was used, the [redacted] form should have been used. | Reviewer Comment (2026-06-09): Seller acknowledges exception, no change to grading. |
06/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| [redacted] | RCKT26CES707486 | 36674947 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. No [redacted] valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/09/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| [redacted] | RCKT26CES707486 | 36674988 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The only pay stub in the file for the co-borrower is from [redacted]. Please provide [redacted] pay stub as required. | Reviewer Comment (2026-06-12): Received Paystub. Exception Cleared. Buyer Comment (2026-06-12): Please see attached, paystub as requested |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [redacted] | RCKT26CES707486 | 36674993 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared when all other ATR related exceptions are cleared. | Reviewer Comment (2026-06-17): Received YTD paystub. Exception cleared. Buyer Comment (2026-06-16): Please see attached, paystub as requested |
06/17/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [redacted] | RCKT26CES707486 | 36674995 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Please provide a YTD pay stub for the co-borrower. | Reviewer Comment (2026-06-17): Received YTD paystub. Exception cleared. Buyer Comment (2026-06-16): Please see attached, paystub as requested |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [redacted] | RCKT26CES707497 | 36606966 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/09/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES707497 | 36606967 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted] valuation was provided. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/09/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | NV | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES707506 | 36607951 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/09/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| [redacted] | RCKT26CES707506 | 36668272 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. No [redacted] valuation was provided. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/09/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | PA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| [redacted] | RCKT26CES707526 | 36607947 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/09/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES707526 | 36607948 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/09/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES707526 | 36607949 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or [redacted] appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-05): Seller acknowledges exception, no change to grading. |
06/05/2026 | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES707526 | 36668558 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Please provide the source of the employer's telephone number not reflected on the VVOE. | Reviewer Comment (2026-06-11): Received LOS screenshot verifying the source of the employer's telephone number. Exception cleared. Buyer Comment (2026-06-10): Please see the attached evidence of the source of the phone number. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES707526 | 36668573 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared when all other QM related exceptions are cleared. | Reviewer Comment (2026-06-11): Received LOS screenshot verifying the source of the employer's telephone number. Exception cleared. Buyer Comment (2026-06-10): Please see the attached evidence of the source of the phone number. |
06/11/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | WA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| [redacted] | RCKT26CES707526 | 36668574 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Reviewer Comment (2026-06-11): Received LOS screenshot verifying the source of the employer's telephone number. Exception cleared. Buyer Comment (2026-06-10): Please see the attached evidence of the source of the phone number. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES707559 | 36608146 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | UT | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES707559 | 36608147 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/05/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | UT | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES707559 | 36608148 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or [redacted] appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-04): Seller acknowledges exception, no change to grading. |
06/04/2026 | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | UT | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES707593 | 36607840 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES707593 | 36607844 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/05/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | CO | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES707593 | 36607845 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or [redacted] appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-04): Seller acknowledges exception, no change to grading. |
06/04/2026 | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | CO | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES707598 | 36607089 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or [redacted] appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-04): Seller acknowledges exception, no change to grading. |
06/04/2026 | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | MD | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES707598 | 36607090 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/05/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | MD | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES707598 | 36607091 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES707625 | 36608327 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES707625 | 36608331 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/05/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | CO | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES707625 | 36608332 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or [redacted] appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-04): Seller acknowledges exception, no change to grading. |
06/04/2026 | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | CO | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES707628 | 36608004 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/05/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | MN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES707628 | 36608007 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/05/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | MN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [redacted] | RCKT26CES707628 | 36608008 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or [redacted] appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-04): Seller acknowledges exception, no change to grading. |
06/04/2026 | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | MN | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES707634 | 36607759 | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. | 06/04/2026 | Yes | 2 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| [redacted] | RCKT26CES707634 | 36607861 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or [redacted] appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-04): Seller acknowledges exception, no change to grading. |
06/04/2026 | No | 2 | A | A | A | A | A | A | N/A | N/A | B | B | IL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| [redacted] | RCKT26CES707634 | 36607868 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. No [redacted] valuation was provided. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. | Reviewer Comment (2026-07-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |
06/04/2026 | No | 1 | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | IL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |