Angel Oak Mortgage Trust I, LLC ABS-15G
Exhibit 99.22
| Loan Number | Seller Loan Number | Originator | Last Name | Note Date | Original Balance | State | TPR QM ATR Status | Loan Status | Exception Date | Remediation Status | Exception ID | Exception Type | Exception Category | Exceptions | Exception Rebuttal | Exception Rebuttal Date | Exception Rebuttal Response | Exception Rebuttal Response Date | Compensating Factors | Initial Overall Loan Grade | Final Overall Loan Grade | Initial Exception Grade | Final Exception Grade | Initial Credit Grade | Final Credit Grade | Initial Property Valuation Grade | Final Property Valuation Grade | Initial Compliance Grade | Final Compliance Grade | Initial Overall Grade (DBRS/Morningstar) | Initial Credit Grade (DBRS/Morningstar) | Initial Property Valuation Grade (DBRS/Morningstar) | Initial Compliance Grade (DBRS/Morningstar) | Initial Overall Grade (Fitch) | Initial Credit Grade (Fitch) | Initial Property Valuation Grade (Fitch) | Initial Compliance Grade (Fitch) | Initial Overall Grade (Kroll) | Initial Credit Grade (Kroll) | Initial Property Valuation Grade (Kroll) | Initial Compliance Grade (Kroll) | Initial Overall Grade (Moodys) | Initial Credit Grade (Moodys) | Initial Property Valuation Grade (Moodys) | Initial Compliance Grade (Moodys) | Initial Overall Grade (S&P) | Initial Credit Grade (S&P) | Initial Property Valuation Grade (S&P) | Initial Compliance Grade (S&P) | Final Overall Grade (DBRS/Morningstar) | Final Credit Grade (DBRS/Morningstar) | Final Property Grade (DBRS/Morningstar) | Final Compliance Grade (DBRS/Morningstar) | Final Overall Grade (Fitch) | Final Credit Grade (Fitch) | Final Property Grade (Fitch) | Final Compliance Grade (Fitch) | Final Overall Grade (Kroll) | Final Credit Grade (Kroll) | Final Property Grade (Kroll) | Final Compliance Grade (Kroll) | Final Overall Grade (Moodys) | Final Credit Grade (Moodys) | Final Property Grade (Moodys) | Final Compliance Grade (Moodys) | Final Overall Grade (S&P) | Final Credit Grade (S&P) | Final Property Grade (S&P) | Final Compliance Grade (S&P) |
| 2026040008 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of XXX. The file documents XXX available funds for closing and reserves. The borrower needed XXX to close plus XXX months orXXX for reserves. The file was XXX short for reserves. The file does not include asset statements for XXX which is listed on the 1003. Please provide the asset statements for review. | Document Uploaded. Uploaded exception approval for < XXX months reserves. | XXX | Lender exception for <XXX months reserves approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040008 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) The file documents XXX available funds for closing and reserves. The borrower needed XXX to close plus XXX months or XXX for reserves. The file was XXX months short for reserves. The file does not include asset statements for XXX which is listed on the 1003. Please provide the asset statements for review. | See other finding. Uploaded XXX with exception for XXX months reserves. | XXX | Lender exception for <XXX months reserves approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040008 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The Purchase Contract Expiration date is XXX. Provide an executed Purchase Contract Extension to XXX. | Document Uploaded. Uploaded contract extension. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040008 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant; Informational Only; ; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040008 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX Compliant; Informational Only; ; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040023 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only; Compliant; Material; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040023 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; Compliant; Material; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040023 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Per Lender Guidelines the borrower must contribute XXX on all purchase transactions. The earnest money and gift funds are from the XXX. The borrower has to bring XXX to closing. XXX of the purchase price is XXX. The borrower is not contributing XXX of his funds. | This loan meets guidelines. XXX% of XXX purchase price is XXX. Cash from borr on the XXX is higher than XXX% = XXX. Borr has XXX verified which covers the cash to close XXX months reserves. | XXX | Minimum contribution met. Borrower brought in XXX% of their own funds to closing. XXX. | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2026040026 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of XXX. Per the Final Closing Disclosure dated XXX, the borrower was required to bring XXX to closing. This amount includes the XXX gift sent directly to the XXX (refer to page XXX of the Final CD). In addition, the borrower needed to show XXX months of reserves totaling XXX, bringing the total required funds to XXX. The borrower’s verified assets total XXX, resulting in a shortfall of XXX. | Document Uploaded. Please see updated bank statements. There was also a statement for XXX that is in the XXX. I added that balance to the 1003. XXX are permitted to be used. The updated statement for XXX #XXX shows a balance of XXX. I only used the XXX balance of $XXX. Reserves are now XXX months. | XXX | Audited Reserves of XXX are equal to or greater than XXX Required Reserves of XXX. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | A | C | B | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |
| 2026040026 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) Per the Final Closing Disclosure dated XXX, the borrower was required to bring XXX to closing. This amount includes the XXX gift sent directly to the XXX (refer to page XXX of the XXX). In addition, the borrower needed to show XXX months of reserves totaling XXX, bringing the total required funds to XXX. The borrower’s verified assets total XXX, resulting in a shortfall of XXX. | Uploaded docs to other finding. | XXX | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | A | C | B | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |
| 2026040026 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Per the XXX dated XXX, XXX are ineligible for this program. | Document Uploaded. ; Document Uploaded. Uploaded XXX with exception for XXX. | XXX | Lender exception to allow XXX approved by investor on XXX. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | B | C | B | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |
| 2026040026 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements According to the XXX Guidelines Matrix, a XXX-month verification of the borrower's most recent housing history is required. Per the rental lease in file, the borrower has been renting XXX. The file is currently missing documentation for the following rental payments: XXX through XXX, XXX, XXX, XXX, XXX, XXX, and XXX. Additionally, please provide evidence that check XXX for XXX payment cleared the borrower’s account. |
Document Uploaded. ; Document Uploaded. Uploaded XXX - exception for housing history. | XXX | Lender exception for missing XXX months of rental payments approved by investor on XXX. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | B | C | B | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |
| 2026040026 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | Please provide a contract extension. Purchase Contract expired on XXX; loan closed on XXX | Document Uploaded. Uploaded extension. | XXX | Contract extension to XXX received. Condition cleared.; Material Finding | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | B | A | C | B | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |
| 2026040026 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | A | A | C | B | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |||
| 2026040580 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Property Title Issue | Property Title Issue The XXX reflected an non-borrowing XXX as a XXX owner of the XXX. The loan file contains a XXX Deed removing the XXX from Title, however, it is not executed. Please provide a fully-executed XXX Deed. | Document Uploaded. ; this is a refinance so the request for the other documents should not apply | XXX | Executed Quit Claim Deed received. Property Title Issue Resolved.; Title is currently XXX in the Borrower's name and another XXX, however the Note and Mortgage were only executed by the Borrower, therefore, the Quit Claim Deed in file needed to be signed. Please provide a copy of the fully executed Quit Claim Deed removing the other XXX from XXX. Thank you. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040580 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The Credit Risk Summary & Exception Approval indicates the qualifying loan program as XXX Months XXX. However, the loan file contained XXX months XXX. Please provide a corrected Credit Risk Summary & Exception Approval which indicates the correct XXX. | Document Uploaded. | XXX | Approval/Underwriting Summary is fully present; Material | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | B | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040580 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The XXX XXX reflected a Collateral Underwriter Risk Score of XXX and the XXX XXX reflected the XXX as Not Eligible. Therefore, a Third Party Valuation Product was required. Please provide a Third Party Valuation Product. | Document Uploaded. | XXX | Third party valuation product provided within tolerance. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040580 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements Asset Record XXX is proceeds from the sale of property. The CD in file for the sale is not executed. In addition, the loan file does not contain a copy of the wire for the proceeds, which is required when the proceeds are need for closing. Please provide a copy of the fully-executed CD and a copy of the wire for the proceeds. | Document Uploaded. ; this is a refinance so the request for the other documents should not apply | XXX | Asset Record XXX Meets G/L Requirements Or Not Applicable; The Borrower used the net proceeds from the sale XXX Tract B for the funds needed to refinance the XXX. Please provide the fully executed CD and confirmation of the funds wired to the Borrower for the sale of XXX. Thank you. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040580 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Ark. Code Ann. § 23-39-513 (10) Ark. Code Ann. § 23-53-104 (b) A.C.A. § 23-53-104 - Tangible Net Benefit Disclosure missing or no evidence it was provided prior to or at consummation or unable to validate tangible net benefit criteria | XXX § 23-39-513 (10) XXX § 23-53-104 (b) A.C.A. § 23-53-104 - Tangible Net Benefit Disclosure missing or no evidence it was provided prior to or at consummation or unable to validate tangible net benefit criteria. Documentation Required- Tangible Net Benefit Disclosure | Document Uploaded. ; Document Uploaded. | XXX | XXX. § 23-39-513 (10) XXX. § 23-53-104 (b) A.C.A. § 23-53-104 - XXX Net Benefit Disclosure was provided prior to or at consummation.; XXX. § 23-39-513 (10) XXX. § 23-53-104 (b) A.C.A. § 23-53-104 - XXX Net Benefit Disclosure missing or no evidence it was provided prior to or at consummation or unable to validate XXX net benefit criteria. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040580 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Homeownership Counseling Disclosure Is Missing | XXX Is Missing Documentation Required- XXX | Document Uploaded. ; this is a refinance so the request for the other documents should not apply | XXX | XXX Is Present or Not Applicable; XXX Is Missing XXX Is required within XXX days of the application date on all refinance transactions per regulation XXX of regulation X. Please provide copy of the XXX disclosure within XXX days of the application date.; ; XXX Is Missing XXX Is required within XXX days of the application date on all refinance transactions per regulation XXX of regulation X. Please provide copy of the XXX disclosure within XXX days of the application date. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | B | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040580 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation Required- Affiliated Business Disclosure or XXX verifying Lender does not have affiliates. | Document Uploaded. | XXX | Affiliated business disclosure provided, exception resolved; Required Affiliated Business Disclosure Documentation Provided | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | B | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040015 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing File is missing a lease agreement for XXX. Please provide income documentation for the XXX. | Document Uploaded. Uploaded lease + proof of XXX months rent deposit. | XXX | Rental income documentation received and reflects XXX per month vs. XXX per month used by Lender. Lower rental income calculation not material due to DTI remaining within guidelines. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040015 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The XXX reflects XXX month XXX, however the documentation provided supports XXX month XXX bank statements. Please provide an updated XXX. | Document Uploaded. Uploaded XXX updated to XXX. | XXX | Approval/Underwriting Summary is fully present; Material | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040015 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Please provide full credit report dated XXX | Document Uploaded. Uploaded XXX credit report. | XXX | Borrower 1 Credit Report is not partially present. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040015 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 CPA Letter Missing | Borrower 1 CPA Letter Missing While the XXX letter was provided, it's not dated. | Document Uploaded. I have tried to get in touch with the XXX but her assistant has told me she is out of the country until XXX. In lieu of getting the letter dated, I am providing you with the email from the XXX to the borrower when the letter was provided to document the letter is current. The XXX provided it on XXX. Please accept as this shows the information on the letter is current during the XXX process. thank you! | XXX | Borrower 1 CPA Letter Provided | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040015 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040015 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040006 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only; Compliant; Material; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | A | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||
| 2026040006 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Acknowledged | XXX | Property | Property Issue(s) are Present | XXX or more issues or defects with the property have been discovered. XXX are not allowed under the XXX guidelines. Lender also comments on 1008 that this is a XXX with only XXX of XXX units sold and is not eligible. | Document Uploaded. | XXX | Lender exception for XXX approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | B | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |
| 2026040006 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | The Purchase Contract Expired XXX. Provide a signed Purchase Contract Extension to XXX. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |
| 2026040592 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The loan failed charges that cannot increase test. TILA 130b Cure Required. Refund in the amount of XXX; cure package requires a PCCD, XXX, copy of refund check, and proof of delivery or valid XXX. The XXX violation in the amount of XXX is due to increase of the final inspection fee from $XXX to $XXX on the final CD dated XXX without valid XXX. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. This it as a principal reduction added this to page XXX. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Missing proof the principal reduction was applied to the loan. Lender to include a copy of the screen print reflecting the curtailment of the principal if the cure is completed post settlement. ; The cure package is missing XXX and documentation to show the principal reduction was applied |
XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040592 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Compliance | XXX Revised Closing Disclosure Finance Charge Test | This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )The finance charge is XXX. The disclosed finance charge of XXX is not considered accurate because it is understated by more than $XXX. This loan failed the XXX finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )The finance charge is XXX. The disclosed finance charge of XXX is not considered accurate because it is understated by more than $XXX. This loan failed the XXX charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )The finance charge is XXX. The disclosed finance charge of XXX is not considered accurate because it is understated by more than $XXX. This loan failed the XXX charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )The finance charge is XXX. The disclosed finance charge of XXX is not considered accurate because it is understated by more than $XXX. corrected prepaid interest; exception resolved corrected prepaid interest; exception resolved | The XXX finance charge calculation was reduced by $XXX from the final CD, a cure applied to a non finance charge would not reduce the finance charge total, corrected XXX required | XXX | C | B | C | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||
| 2026040592 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Homeownership Counseling Disclosure Is Missing | XXX Is Missing Documentation Required- XXX | Document Uploaded. | XXX | XXX Is Present or Not Applicable | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | B | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040592 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation Required- Affiliated Business Disclosure | Document Uploaded. | XXX | Required Affiliated Business Disclosure Documentation Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | B | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040592 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040592 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040591 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | Purchase Contract expired on XXX; loan closed on XXX. Need contract addendum. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040591 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040591 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040030 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Missing proof of XXX payment for the subject property. Per XXX and title the subject property is located in a XXX. If there is no HOA payment, please provide proof of no payment. | Document Uploaded. | XXX | Corrected mortgage received removing XXX to confirm subject is not located in a XXX and no XXX dues. Copy of email from title company confirming new mortgage sent for recording is sufficient per management. Condition cleared.; Document Uploaded. ; ; Document Uploaded. ; Thank you for providing a XXX removing the XXX. Please provide evidence the corrected mortgage removing the XXX has been re-recorded. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040030 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040030 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040578 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The XXX of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, XXX, Copy of Refund Check, and Proof of Delivery or Valid XXX. The lender credit tolerance violation in the amount of $XXX is due to decrease in Lender Credit from $XXX to $XXX. | Document Uploaded. ; I confirmed with the correspondent that the XXX in question reflected as "Adjustments and other Credits" not "Lender Credits" and are adjustments of XXX on the XXX are for XXX, which show on CD page XXX on the seller side as an adjusted amount as this is subject to change. It is not related to the credit report or flood cert fees.; Good morning, Regarding the condition for the lender paid fees decreasing, the credit report and flood cert fees are normal and customary itemized fees paid by the lender. There is no impact to the customer. Can you please clear this? Thank you! ; Good morning, It looks like we did not have the final invoice for the Credit Report Fee prior to the final CD was generated so the fee decreased on the final CD. Even though this is a lender paid fee, this would not be a decrease in lender credits but a decrease in the Credit Report Fee. Are you able to clear this? Let me know. Thank you! |
XXX | Lender corrected XXX to show actual cost of lender paid fees; exception resolved; The adjustments an other credits are not tested as part of tolerances. The initial CD shows XXX fees paid by lender that total XXX, the final CD reduced those amounts to a total of XXX which resulted in tolerance violation for lender credits as lender paid fees are considered lender credits for the purpose of tolerance testing. Any reduction in lender paid fees requires a valid XXX or cure; The XXX has established that lender credits are a negative charge to the consumer and a decrease in credit is considered an increased charge to the consumer for good faith determination purposes. The amounts originally disclosed on the Loan Estimate under 1026.19(e)(1)(i) are referenced in XXX scope and the regulation for good faith determination, however, creditors may use revised estimates under 1026.19(e)(1)(i) and 1026.19(f)(1)(i), including corrected disclosures provided under 1026.19(f)(2)(i) or (ii) to reflect the revised estimate and determine good faith under 1026.19(e)(3). Revised disclosures, including Closing Disclosures governed by XXX are therefore subject to the good faith requirements described in 1026.19(e)(3), and baseline testing considers the revised disclosures accordingly. If the sum total amount of general and specific lender credits has been reduced, a permissible reason must be provided to reestablish the baseline. This approach is consistent with the XXX XXX Integrated Disclosure Rule XXX stating that lender credits may decrease for XXX or more of the reasons listed in 12 C.F.R. § 1026.19(e)(3)(iv), provided that a revised disclosure reflecting the change is timely delivered. See 12 CFR § .1026.19(e)(3)(iv)(A)-(F); see also Preamble to the XXX Integrated Disclosure Rule, XXX. XXX, XXX (XXX). ; Lender credit tolerances include the total of general lender credits in section J and any specific lender credits for itemized fees on the closing disclosures. The reduction of those fees requires a valid XXX. The receipt of an invoice is not considered a valid XXX therefore a cure would be required | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040578 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 CPA Letter Missing | Borrower 1 CPA Letter Missing Guidelines require a CPA letter or Operating agreement (XXX) or equivalent stating ownership percentage. A statement from the borrower is not sufficient. Please provide documentation stating borrower owns XXX% of XXX for Income and Asset qualification purposes. | Document Uploaded. ; Document Uploaded. Hello, Please see attached for the business search and articles of organization showing the borrower as the sole owner. Are these sufficient? Let me know. Thank you! ; Document Uploaded. |
XXX | Per XXX, okay to accept documentation provided to confirm XXX% ownership. Condition cleared.; Documentation provided only lists the Borrower as a XXX. Unfortunately, a XXX/XXX is not confirmation of XXX% ownership in a business. Please provide documentation to confirm Borrower is XXX% "owner" of XXX. Thank you.; A "XXX", unfortunately, does not confirm that XXX is the "XXX". Please provide documentation to confirm the Borrower is XXX% owner of XXX. Thank you. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040578 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; Compliant; Compliant; Material; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040596 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception- Evidence confirming a copy of the appraisal was provided to the consumer at least XXX business days prior to the consummation date. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | XXX | Evidence of appraisal delivery provided.; Received appraisal delivery receipt; The proof of appraisal delivery provided does not have a actual date of delivery. Looks like the snap shot in the email is missing the date that may be somewhere on the proof of delivery. Please provide proof borrower received the copy at least XXX days prior to closing; Document provided is the Notice of right to receive a copy of the appraisal at time of application and not evidence the appraisal was delivered. Please provide evidence the appraisal was delivered at least XXX days prior to closing. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040596 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation Required- Affiliated Business Disclosure | Document Uploaded. | XXX | Required Affiliated Business Disclosure Documentation Provided | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040596 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040596 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040574 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, XXX, copy of refund check, and proof of delivery or valid XXX. The zero-tolerance violation in the amount of $XXX is due to the increase of the Lender XXX fee from $XXX on initial XXX to $XXX on the CD dated XXX without valid XXX. | Document Uploaded. As for the lender title fee increasing, it increased on the XXX dated XXX and the XXX states the fees increased after the loan was locked. There were also several revised CD’s that were sent to the borrower after the initial CD was sent which I also attached as well as the XXX. It looks like the Lender XXX fee increased to what it is on the final CD, on XXX. The corresponding XXX states the below and should be sufficient since this XXX had to increase their fees. | XXX | Valid XXX provided; Exception resolved; Valid XXX provided; Exception resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040574 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception, evidence confirming a copy of the appraisal was provided to the consumer at least XXX business days prior to the consummation date. | Document Uploaded. | XXX | Evidence of appraisal delivery provided.; Received appraisal delivery receipt | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | B | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040574 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040574 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040063 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX (XXX) exceed the comparable charges (XXX) by more than XXX. Please see the table that displays the Charges That Cannot Increase More Than XXX for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX, cure package requires a PCCD, XXX, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX% tolerance violation in the amount of XXX is due to increase from $XXX to $XXX for the Abstract / Title Search Fee on Initial CD dated XXX, increase from XXX to XXX for the Settlement or Closing Fee on Initial CD dated XXX, the addition of the Notary fee of XXX, the addition of the Title E-Recording fee of $XXX, and the addition of Title Admin Fee of $XXX. A XXX was in the file but did not provide a valid reason for the increase in title fees. | Document Uploaded. ; Just to be clear the Total Refund is XXX, can you be double check the figures? Thanks | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX; Correct the cure amount is $XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | B | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2026040063 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Please provide the updated title commitment showing coverage of $XXX. | Document Uploaded. | XXX | Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | B | A | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2026040063 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Lenders XXX states the XXX is a XXX month bank statement. Documents in the file are consistent with a XXX month XXX. Please provide updated documentation stating the appropriate XXX. | Document Uploaded. | XXX | Approval/Underwriting Summary is fully present; Material | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | B | A | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2026040063 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements The credit report collection/charge off account ending XXX date reported XXX. Per Lender Matrix "No Collection/Charge offs/Judgments in last XXX months. | Document Uploaded. | XXX | Lender exception for collection within XXX months approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | B | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2026040063 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | A | A | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |||
| 2026040082 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040082 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040082 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX Compliant; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040044 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX with established XXX and met appraisal requirements. This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Hey. Can you please advise what is needed to clear? thanks | XXX | XXX compliant.; Material; XXX Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040044 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040044 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040585 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Missing Credit Score Disclosure (XXX). | Document Uploaded. ; Document Uploaded. ; Document Uploaded. This is our XXX sheet…. This is what we have in all of our files. I also attached our Disclosure Notice that includes the credit score disclosure.; Document Uploaded. this is the only available dis available | XXX | XXX Credit Score Disclosure is provided.; documents provided did not contain the credit score disclosure/notice to home loan applicant; documents provided did not contain the credit score disclosure/notice to home loan applicant; documentation provided is not sufficient, provide the credit score disclosure/notice to home loan applicant; Documentation provided is the Privacy notice. Please provide the XXX (credit score disclosure). | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040585 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The Lender is using a XXX% Expense Factor qualify the borrower for this XXX transaction. Missing proof the borrower qualifies to use the XXX% Business Expense Factor. | Document Uploaded. | XXX | XXX letter confirming XXX% expense factor received. Income and Employment Meet Guidelines. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040585 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | A | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040600 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The lender requires XXX housing history. The file is missing the housing history. | Document Uploaded. ; Document Uploaded. | XXX | Borrower lives rent free. Updated 1003 received. No additional restrictions required for XXX year Self Employed Borrower living rent free. Condition cleared.; XXX received indicates an approved exception for FICO on a rent free Borrower. The final 1003 reflects the Borrower has been paying rent for the past XXX years and that rental payment was used to calculate payment shock, therefore, the approved exception listed on the XXX contradicts the documentation signed by the Borrower in file. Please provide a XXX month rental payment history as required per guidelines or a revised XXX with the correct approved exception(s). Thank you. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040600 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The tolerance is due to increased XXX for XXX XXX to CD XXX | Document Uploaded. ; Document Uploaded. | XXX | Valid XXX provided; exception resolved; Valid XXX provided; exception resolved; CD issued XXX/ provided but missing a valid XXX issued within XXX days of the disclosure. Exception remains. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040600 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Documentation required to clear exception: Homeownership Counseling Disclosure Missing | Document Uploaded. | XXX | XXX Is Present or Not Applicable; Received XXX | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | B | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040600 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040576 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040576 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040057 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Upon receipt of all REO documentation, it appears positive rental income was used to offset PITIA, however, guidelines only allow positive rental income to be used as a wash. Eliminating the positive rental income resulted in a DTI of XXX% which exceeds the max of XXX% allowed. | Document Uploaded. | XXX | Lender approved exception received dated XXX allowing use of positive rental income to qualify to eliminate excessive DTI. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040057 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing Please provide XXX data for the properties at XXX and the land at XXX. Missing CD from closing for the XXX - loan #XXX to verify XXX was paid and to verify the loan terms. | Document Uploaded. Pls match the XXX with the XXX on the XXX, thanks; Document Uploaded. | XXX | Income XXX Months Income Verified is Present Or Not Applicable; Thank you for providing the XXX documentation for XXX and XXX. We are still missing documentation to confirm the Lots owned on XXX (3m on 1003) are owned free and clear and property taxes associated with those properties. Thank you. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040057 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040057 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040045 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The Final C.D. reflects $XXX in Gift Funds. The Lender requires proof that the donor gave the closing agent the gift funds in the form of a certified check, a cashier's check, money order, or wire transfer. Proof of the funds being delivered to the closing agent is not in the file. | Document Uploaded. Uploaded gift wire confirmation. | XXX | XXX received and matches Donor information in file. Asset Qualification Meets Guideline Requirements. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040045 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The LTV is XXX%, the maximum DTI for loans over XXX% LTV is XXX%. | Document Uploaded. Uploaded the CRSE with the exception for DTI. | XXX | Lender exception for DTI >XXX% approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040045 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant- Appraisal requirement met | XXX compliant.; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040045 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; Material ; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040083 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Document Uploaded. I have uploaded an XXX explaining that we do not owe the $XXX cure. The CD that you are referring to where the broker comp was moved to the borr's side with a lender credit was a CD issued by the XXX. It was not XXX disclosure. You will notice there is no bar code at the bottom of the page. I have provided all of the disclosures on this loan and never did we move the broker comp to the borr's side...including the final CD. Thanks! Document Uploaded. I have uploaded an LOX explaining that we do not owe the $XXX cure. The CD that you are referring to where the broker comp was moved to the borr's side with a lender credit was a CD issued by the XXX. It was not XXX disclosure. You will notice there is no bar code at the bottom of the page. I have provided all of the disclosures on this loan and never did we move the broker comp to the borr's side...including the final CD. Thanks! Document Uploaded. I have uploaded an LOX explaining that we do not owe the $XXX cure. The CD that you are referring to where the broker comp was moved to the borr's side with a lender credit was a CD issued by the XXX. It was not XXX disclosure. You will notice there is no bar code at the bottom of the page. I have provided all of the disclosures on this loan and never did we move the broker comp to the borr's side...including the final CD. Thanks! Lender confirms XXX CD was not issued by them; exception resolved Lender confirms XXX CD was not issued by them; exception resolved | XXX Cure required: Cure of XXX required for change in broker fees. Broker fees were paid by Lender on Initial CD and then moved to paid by buyer with a $XXX lender added, then changed back to lender paid with the lender credits removed. The file doesnt contain a valid XXX for this. Cure requires XXX, XXX, copy of refund check, proof of mailing, or valid CD | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | C | A | C | A | A | A | D | A | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040083 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX | Documentation required: Missing completed Final CD. Please remit for testing. This loan failed the XXX.( 12 CFR §1026.38(o)(2) )The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is understated by more than $XXX. | Document Uploaded. I have uploaded all XXX CDs issued by XXX. You will see that the $XXX broker fee was never shown as being paid by the borrower. It has always been shown as lender paid. That CD that was in the closing package was not a CD issued by XXX which is why the finance charges are also not accurate. It was created by the XXX and for some reason the notary had that XXX signed as well. But I have included our XXX final signed CD. | XXX | Correct Final CD provided; exception resolved; Correct Final CD provided; exception resolved; This loan failed the XXX charge test.( 12 CFR §1026.38(o)(2) )The finance charge is XXX. The disclosed finance charge of XXX is not considered accurate because it is understated by more than $XXX. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | C | A | C | A | A | A | D | A | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040083 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | TRID Total of Payments Test | Documentation required: Missing completed Final CD. Please remit for testing. This loan failed the XXX total of payments test. ( 12 CFR §1026.18(o)(1) )The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate because it is understated by more than $XXX and the provided reimbursement amount of $XXX is not sufficient to cure the inaccuracy. | Please see finding called "XXX". I uploaded all CDs including our XXX final CD. | XXX | Correct Final CD provided; exception resolved; Correct Final CD provided; exception resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | C | A | C | A | A | A | D | A | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040083 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | XXX required: Cure of $XXX required for change in broker fees. Broker fees were paid by Lender of Initial CD and then moved to Buyer on Final CD. Cure requires PCCD, LOE, copy of refund check, proof of mailing, or valid CD. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Please see finding called "XXX". I uploaded all CDs including our XXX final CD. A cure should not be required. | XXX | Correct Final CD provided; exception resolved; Correct Final CD provided; exception resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | C | A | C | A | A | A | D | A | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040083 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX: Missing Closing Disclosure | XXX: Missing Final Closing Disclosure Documentation required: CD dated XXX is incomplete. Please remit completed Final CD for testing. | Please see finding called "XXX". I uploaded all CDs including our XXX final CD. | XXX | XXX: Final Closing Disclosure Provided | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | C | A | A | A | D | A | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040083 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The borrower obtained a XXX loan on their primary property to have sufficient funds to close and reserves. The Lender requires proof the funds were transferred. The file missing proof the funds were transferred. | Document Uploaded. Uploaded proof XXX were transferred to XXX and then see wire confirmation for transfer to XXX. | XXX | Interim Statement from XXX received confirming disbursement of XXX and transfer of funds to XXX. Asset Qualification Meets Guideline Requirements. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | C | A | C | A | A | A | D | A | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040083 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Purchase Contract is Expired | The Purchase Contract expired XXX. The loan closed XXX. Provide a Purchase Contract Extension to XXX. | Document Uploaded. Please see email from closing attorney. An extension was not required - meets contract terms and verbiage. | XXX | Section XXX of purchase contract allows for XXX day extension without breach. See page XXX. Contract expiration would be XXX, loan closed XXX. Condition rescinded. | XXX | D | A | A | A | C | A | A | A | D | A | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2026040040 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The final DTI is XXX%. Audit used the XXX Schedule XXX income. Per Final 1003 the Lender used the current lease income and added positive rental income. The file does not contain the Leases. The properties have ben owned > XXX months. Per Guidelines lease income can only wash the PITIA to $XXX and positive rental income can not be added back. Based on the XXX Schedule E the final DTI is XXX% which exceeds the maximum of XXX%. | Document Uploaded. Hello, an updated CRSE has been provided. ; Good afternoon, the loan has been restrucutred. An updated 1008, 1003 and CRSE have been provided. ; Document Uploaded. ; Document Uploaded. ; Document Uploaded. Can you please review the uploaded documents and update the DTI in your system to XXX%? I need us to agree and then will see if it's possible to get an exception with our investor. I removed the lease rent income for the XXX and updated it to the tax return calculation. The liabilities match the XXX report payments. I also removed XXX "Other Income" line items but have also updated the XXX and social security income to include a grossed up portion based on the % non-taxed from the XXX tax return. I hope you can follow my math. Let me know if not. I basically figured out what % is not taxed and grossed up that portion and then added it to the taxed portion. I have uploaded income worksheets, CRSE, and 1008/1003. DTI is XXX%. Please let me know if you agree. Thanks! | XXX | Audited DTI of % is less than or equal to Guideline DTI of XXX%; ; Lender approved exception to restructure to Asset Qualifier to cure DTI issue on XXX.; ; Thank you for providing the XXX approving the occupancy, FICO, and to use XXX% (XXX years old) of XXX vs. XXX% (XXX years old) of XXX. After recalculation using XXX% of the XXX, the residual income of $XXX/mo (negative) is still less than the minimum of XXX/mo required per guidelines.; Thank you for the updated 1003, 1008, and XXX restructuring the loan from Full Doc to Asset Qualifier. After a cursory review, it does not appear the borrowers meet the XXX guidelines based on the following: 1) Min FICO now needs to be based off of B2 which is XXX (less than min XXX required); 2) Minimum assets post close are < $XXX (B1 was not XXX XXX at time of closing, therefore, only XXX% of the XXX could be used vs. XXX% and could be even less if XXX is considered a XXX which would be a max of XXX% allowed); 3) Residual Income calculation test resulted in < XXX per month; and 4) Subject is a XXX yet Asset Qualifier is only allowed on a XXX (XXX reflected an approved exception for this guideline). Since the XXX only addressed the one approved exception for occupancy, the loan was not updated to Asset Qualifier at this time. To complete the restructure to Asset Qualifier, a revised XXX addressing all guideline exceptions is required and additional conditions may apply. Thank you.; Audited DTI of XXX% exceeds Guideline DTI of XXX% After recalculation of income, the DTI of XXX% still exceeds the max of XXX% allowed. B1 is paid XXX vs. XXX, therefore, XXX/mo cannot be used. We were able to gross up the XXX for B2. However, we were unable to gross up the pension income for B2 due to the XXX XXX for XXX in file confirmed XXX% of the distribution was taxable (the total of XXX on the XXX was not split out and may have included other annuities, therefore, the percentage of taxable income could not be determined).; Audited DTI of XXX% exceeds Guideline DTI of XXX% | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040040 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Lender exception to use XXX% of XXX when Borrower is XXX years old vs. XXX years old approved by investor on XXX. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | B | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||||
| 2026040040 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX. Lender exception for XXX FICO less than minimum XXX required on Asset Qualifier approved by investor on XXX. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | B | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||||
| 2026040040 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Guideline Violation: Property is not Owner Occupied | Lender exception for Asset Qualifier on a XXX approved by investor on XXX | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | B | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||||
| 2026040040 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Satisfactory XXX not Provided | Unsatisfactory XXX provided Previous title not in borrowers name. XXX in the file cites this exception and approval is granted. | XXX in file | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040040 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only; Material ; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040040 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; Material ; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040641 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XXX. Additional conditions may apply. |
Document Uploaded. Uploaded initial CD and proof borr received. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | B | A | A | A | C | A | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040641 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; Material ; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | A | A | B | A | A | A | C | A | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040641 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Lenders 1008 is showing an incorrect income figure that does not coincide with the income documents in the file. Please provide an updated 1008 using the corrected income figures for review. | Informational Only; Material | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | B | A | B | A | A | A | C | A | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040066 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Appraisal Fee on XXX XXX. XXX dated XXX states appraisal fee updated but does not provide a reason for the increase and was therefore not accepted. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. ; This is because that is when we recv'd the invoice w/the change; Document Uploaded. Pls note the Fee was updated and paid for by Bwr on XXX and XXX. We made the changes to the XXX on XXX | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX; Receipt of an invoice is not considered a valid XXX. The triggering event is when the broker has the information sufficient to establish that a changed circumstance has occurred. Compliance testing guides treat the broker as an extension of the creditor for these purposes, and their knowledge is the creditor's knowledge for compliance timing purposes. Information delivered to an agent (broker) is considered delivered to the the creditor and knowledge of the creditor's agent is imputed to the creditor.; Provide clarification, the order date based on documentation provided was XXX and the inspection was completed XXX, borrower paid for it XXX but it was not disclosed until XXX which is not within XXX days. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | B | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040066 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide proof of the payment terms/CD, insurance, taxes and HOA payment for the property on XXX. If there is no HOA a signed statement from the borrower is required that states there is no HOA. | Document Uploaded. | XXX | Received documentation to support the payment for XXX. Sufficient and resolving the issue. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040066 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; Material ; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | A | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040595 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: The document provided indicates that the borrower either received appraisal or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but it does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal. | I think they didnt open XXX attachments. The appraisal with valuation was sent to the borrower on XXX, well in compliance. We closed this on XXX, and when the XXX came back sent that over on the XXX of XXX showing repairs completed. everything is compliant ; Document Uploaded. ; Document Uploaded. |
XXX | Evidence of appraisal delivery provided.; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Appraisal delivery documentation provided shows the borrower was sent the appraisal after consummation; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Appraisal delivery documentation provided shows the borrower was sent the appraisal after consummation | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040595 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant ; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040595 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX Compliant ; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040575 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX. XXX year self employment requires a credit score of XXX. XXX in the file cites this exception and approval is granted. | Audited FICO of XXX is less than Guideline FICO of XXX. XXX year self employment requires a credit score of XXX. XXX in the file cites this exception and approval is granted. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040575 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX Compliant ; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040575 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant ; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040643 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX Compliant ; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040643 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX Compliant ; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040643 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant ; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040054 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset XXX Does Not Meet Guideline Requirements Need fully executed CD for sale of property at XXX and a copy of the wire of the funds to the title/closing agent. | Document Uploaded. Uploaded CD and wire confirmation. | XXX | XXX and wire confirmation received for the sale of property located at XXX. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040054 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX Compliant ; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040054 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant ; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040644 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide proof the XXX in XXX, OK is lien free, proof of taxes, insurance and HOA. If there is no XXX a signed letter from the borrower is required stating here is no XXX. | Document Uploaded. ; Pls note these are XXX/XXX and wouldn't have XXX | XXX | Documentation for lot received. Condition cleared.; Please provide documentation to confirm the property taxes for the lot located in XXX, OK and verification that it is owned free and clear of liens. Thank you. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040644 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The Lender requires proof the gift funds were given to the closing agent. Provide a copy of the cashier's check, certified check, money order or wire transfer. | Document Uploaded. | XXX | Asset Qualification Meets Guideline Requirements | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040644 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX Compliant ; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040644 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant ; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040049 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | Purchase Contract Expiration Date of XXX is prior to Note Date of XXX. Need documentation to support the extension of the expiration date. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040049 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant ; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040049 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX Compliant ; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040014 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | XXX Effective Date is after the Note Date | XXX Effective Date of XXX is after the Note Date of XXX Provide evidence of XXX with Effective date of XXX. | Document Uploaded. | XXX | Lender Attestation provided confirming no claims made on XXX prior to effective date. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040014 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant ; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040014 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX Compliant ; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040068 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Provide 3rd Party VOE dated within XXX days of the Note date. | Document Uploaded. ; Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided; Please provide a XXX for the Borrower's employment with XXX as reflected on the 1003 and income documentation used to qualify (XXX provided in file and attached is for XXX). | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 7XXX20 |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040068 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX Compliant ; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 7XXX20 |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040068 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant ; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 7XXX20 |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040078 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing XXX Party VOE within XXX day of the note date. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040078 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant ; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040078 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX Compliant ; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040062 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to increase of the credit report fee from $XXX to $XXX on the final CD dated XXX without valid XXX. XXX dated XXX does not explain why fee increased. | Document Uploaded. Uploaded all cure docs. | XXX | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040062 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX Compliant - XXX and appraisal delivered within XXX business days of closing |
XXX Compliant; Material Finding; XXX Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040062 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040062 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040069 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The lender credit tolerance violation in the amount of $XXX is due to decrease in Lender Credit from $XXX to $XXX on the XXX with no valid XXX. | Document Uploaded. Uploaded cure docs. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040069 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040069 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040073 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing proof the donor gave the closing agent the gift funds in the form of certified check, cashier's check or wire transfer. | Document Uploaded. Uploaded $XXX wire confirmation. | XXX | Gift wire for $XXX received and matches documentation in file. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040073 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | The Purchase Contract Expired XXX. Provide a Contract Extension to XXX. | Document Uploaded. Uploaded email from closing agent stating no extension was signed or required since XXX has an automatic XXX day extension allowed. Uploaded XXX. | XXX | Lender extension for not obtaining a contract extension approved by investor on XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040073 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. | XXX Compliant; Material Finding; XXX Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040073 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX | This loan failed the XXX rate spread home loan test. ( NC GS §24-1.1F(a)(7) )The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXXsection of the full ComplianceAnalyzer report.While the XXX provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and XXX may prefer not to fund or buy rate spread home loans even if the additional conditions are met. |
Informational Only; XXX Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040073 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040050 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX | XXX Compliant This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX 1.9 4995(a))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in the XXX.While the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Hi, can you please clear this finding and grade the loan. Doesn't appear there's anything for me to do on this. Thanks! | XXX | ; Material Finding; XXX Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040050 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX Compliant This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | XXX Compliant; Material Finding; XXX Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040050 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040050 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040647 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Service provider list not provided within XXX days of application | Documentation required to clear exception: Service providers list dated within XXX days of the application date of XXX. | Document Uploaded. Uploaded initial disclosures dated XXX sent to borrower. | XXX | XXX provided; exception resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040647 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: ( 12 CFR §1024.20(a) )The loan has a homeownership counseling organizations disclosure date that is not within XXX business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than XXX business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the XXX for lenders to use in complying with the requirements of this section; or(2)Data made available by the XXX or XXX for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the XXX will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than XXX business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on XXX (XXX)PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the XXX are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception: Homeownership Counseling Organization Disclosure datedwithin XXX days of the application date of XXX. | Uploaded full pkg of initial disclosures dated XXX. | XXX | XXX dated within XXX days of the application date provided, Exception resolved; XXX dated within XXX days of the application date provided, Exception resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | B | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040647 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial XXX issued within XXX business days of the application date of XXX, as the earliest available XXX is dated XXX. Mavent showing initial XXX should be XXX, which is not in the file. Please provide the initial XXX issued within XXX business days of the application date of XXX. Additional testing will be completed, once the initial XXX is provided. |
Uploaded XXX dated XXX to other finding. | XXX | XXX dated within XXX days of the application date provided, Exception resolved; XXX dated within XXX days of the application date provided, Exception resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040647 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). XXX Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. The XXX% tolerance violation in the amount of $XXX is due because the XXX was not provided to the borrower within XXX days of the application XXX. Providing XXX dated within XXX days of the application may cure the exceptions, additional testing will be completed once received. | Uploaded full initial disclosure pkg dated XXX to other finding. | XXX | XXX dated within XXX days of the application date provided, Exception resolved; XXX dated within XXX days of the application date provided, Exception resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040647 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the XXX business day (counting days on which the XXX are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure XXX business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on XXX (XXX)PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the XXX business day after the creditor receives the consumer's application. Documentation required to clear exception. The Initial Loan Estimate dated XXX (per Disclosure Tracking Summary) is missing from the loan file. The earliest XXX in the loan file was issued XXX. The violation can be cured by providing the initial XXX within XXX days of application date XXX. This is affecting the Timing Requirements and Fees that Cannot Increase Fail | Uploaded full pkg of initial disclosures dated XXX -includes an XXX. | XXX | XXX dated within XXX days of the application date provided, Exception resolved; XXX dated within XXX days of the application date provided, Exception resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040647 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040647 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040074 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | The Purchase Contract Expired XXX. Provide a Contract Extension to XXX. | Document Uploaded. Uploaded extension. | XXX | Contract extension to XXX received. Condition cleared.; Material Finding | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | B | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040074 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Lenders XXX is not inline with XXX XXX guidelines. Please revise the 1008/XXX and send for review. | Document Uploaded. Uploaded 1008 and XXX- updated payment based on index + margin qual rate and amort over XXX yrs since XXX. Let me know if this isn't what you're looking for. | XXX | Approval/Underwriting Summary is fully present; Material Finding | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | B | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040074 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Payment shock exceeds guideline | Payment shock of XXX% exceeds the lender guidelines tolerance for payment shock. Payment shock of XXX% exceeds the guideline tolerance level. XXX in the file cites this exception and approval is granted. | XXX in file | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040074 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040074 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040064 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | The Purchase Contract Expired XXX. Provide a Contract Extension to XXX. | Document Uploaded. Uploaded email from XXX and XXX. No extension signed. | XXX | Lender exception for not obtaining contract extension to XXX approved on XXX.; Material Finding | XXX | Borrower has stable job time - Borrower has XXX years on job. | B | B | B | B | B | B | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040064 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | No Cure required. XXX with established XXX and appraisal requirements met. Exception downgraded to a A. This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | XXX Compliant; Material Finding; XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. | B | B | A | A | B | B | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040064 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | B | B | A | A | B | B | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040582 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing | Document Uploaded. | XXX | XXX Is Present or Not Applicable | XXX | Borrower has stable job time - Borrower has XXX years on job. | B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040582 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040582 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040052 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Third Party Verification for B1 is missing. Provide a 3rd Party XXX dated within XXX days of the closing date. | Document Uploaded. Uploaded VVOE for B1.; Document Uploaded. Uploaded XXX. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided; Based on the income documentation, B1 is an employee of XXX vs. the owner. Please provide a VVOE dated within XXX days of closing to confirm Borrower was still an active employee at time of closing. Thank you. | XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2026040052 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Third Party Verification for B2 is not dated. Provide a 3rd Party VVOE dated within XXX days of the closing date. | Document Uploaded. Uploaded XXX. | XXX | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX) | XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2026040052 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 2026040052 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 2026040653 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid XXX. The XXX% tolerance violation in the amount of $XXX is due to the increase of recording fee on the final CD dated XXX without valid XXX. XXX dated XXX does not provide sufficient information to consider fee increase valid. | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | B | C | B | A | A | D | B | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2026040653 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Incorrect rescission model used - XXX form model XXX used for Same Lender or Lender Affiliate Refinance | Incorrect XXX used - XXX form XXX (New Creditor) used for Same Lender or Lender Affiliate Refinance Documentation required to clear exception: Incorrect Right to Cancel form was used. Right to cancel form XXX (New Lender) form was used and should have been XXX (Same Lender) form. In order to cure, rescission needs to be re-opened with correct form and a PCCD, LOE, and proof of delivery is required. | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | D | B | C | B | A | A | D | B | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2026040653 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Cash Out Does Not Meet Guideline Requirements | Cash Out Does Not Meet Guideline Requirements Cash out of $XXX exceeds the maximum cash-out is $XXX. XXX Approved Exception Type:--Credit-Cash-out Amount, Guideline: Max Cash Out Amount, Actual Cash Out $XXX, Rationale: borrower cashing out little over XXX, Granted by Lender on XXX. | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | B | C | B | A | A | D | B | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |||||
| 2026040653 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | A | A | C | B | A | A | D | B | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |||
| 2026040639 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Please provide entire borrowers credit report dated XXX for review. | Document Uploaded. The attached should clear the other condition as well, Thanks | XXX | Borrower 1 Credit Report is not partially present. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040639 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 2 Credit Report is Incomplete | Borrower 2 Credit Report is Partially Present. Please provide entire borrowers credit report dated XXX for review. | Borrower 2 Credit Report is not partially present.; Document Uploaded. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040639 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040639 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040636 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The Purchase Contract Expired XXX. Provide a signed Purchase Contract Extension to XXX. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040636 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040636 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040084 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements The applicable guidelines do not allow collections in the last XXX months. The Borrower's credit report reflects a collection account opened XXX, last active XXX. | Document Uploaded. | XXX | Lender exception for collection opened within XXX months approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040084 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Borrower does not meet residual income requirement | Residual income of $XXX does not meet guideline minimum of $XXX. Residual income of $XXX does not meet guideline minimum of $XXX. The Credit Risk Summary & Exception Approval reflects residual income less than the Guideline minimum, but does not reflect an Lender Exception was granted. | Document Uploaded. | XXX | Lender exception for residual income <$XXX approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040084 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX with established XXX and appraisal requirements met. Exception downgraded to a A. | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040084 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040039 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid XXX. The XXX-tolerance violation is due to the addition of the final inspection fee of $XXX and the increase of the appraisal fee to $XXX on the XXX dated XXX without valid XXX. There is a XXX dated XXX; however, corresponding XXX dated XXX is missing from file. The XXX-tolerance violation is also due to the increase of the discount points fee to $XXX and the mortgage broker fee to $XXX on the post-consummation CD dated XXX. XXX dated XXX cannot be applied to a post-consummation CD. Disclosure tracking verifies there is a CD dated XXX which is not provided in loan file. | Document Uploaded. ; Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX; Updated cure amount to XXX The appraisal fee and reinspection fee increased/added without a valid XXX. The appraisal was ordered/received but the increase was not disclosed timely; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | XXX | Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | B | C | B | A | A | A | A | D | B | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040039 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid XXX. The Lender credit decrease violation in the amount of $XXX is due to the decrease of the Lender credit from $XXX on the XXX dated XXX to $XXX on the CD dated XXX without valid XXX. There is a XXX dated XXX related to decrease of Lender credit amount; however, corresponding XXX dated XXX is missing from file. | Document Uploaded. | XXX | Valid XXX with applicable CD provided; exception resolved; Valid XXX with applicable CD provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | B | C | A | A | A | A | A | D | B | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040039 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX: Missing Closing Disclosure | XXX: Missing Final Closing Disclosure Documentation Required- Missing CD dated XXX per disclosure tracking. CD dated XXX is considered a post-consummation CD as consummation date is XXX per Mortgage notary date. | Document Uploaded. | XXX | XXX: Final Closing Disclosure Provided | XXX | Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | B | D | A | A | A | A | A | D | B | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040039 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | B | A | A | A | A | A | A | D | B | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040039 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | B | A | A | A | A | A | A | D | B | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040114 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid XXX. The XXX-tolerance violation in the amount of $XXX is due to the addition of the credit report fee on the final CD dated XXX without valid XXX. XXX dated XXX does not provide valid reason for fee addition. | Document Uploaded. ; This is not a valid condition. The XXX clearly states the XXX fee was not disclosed and we disclosed it on XXX. What kind of reason would there be? How should the XXX be worded other than the truth, as it was not disclosed on any XXX until XXX? | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX; Generally, if the charge paid by or imposed on the consumer exceeds the amount originally disclosed on the Loan Estimate, it is not in good faith, regardless of whether the creditor later discovers a technical error, miscalculation, or underestimation of a charge. If it was not initial disclosed on the initial XXX and later found to be a technical error then a cure would be required | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040114 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040114 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040075 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party XXX Prior to Close Missing The Lender requires 3rd Party VOE"s within XXX days of the closing date. Provide the required 3rd Party XXX. | Document Uploaded. ; Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided; Please provide the VVOE for B1's business named XXX and XXX (only B2's business XXX was uploaded). Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040075 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing The Lender requires 3rd Party VOE"s within XXX days of the closing date. Provide the required 3rd Party VOE. | Document Uploaded. | XXX | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX) | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040075 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. | Informational Only; XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040075 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040152 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete Purchase contract is not legible. Please provide a new copy of the executed contract that can be reviewed. | Document Uploaded. Good morning: See attached , look at second page. Thanks ; Document Uploaded. |
XXX | Purchase contract extension to XXX received. Condition cleared.; Contract provided expired XXX days after acceptance date of XXX yet the subject loan closed XXX days after date of seller acceptance. Please provide a copy of the contract extension to XXX Note date. Thank you.; Material | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | B | A | B | A | A | A | C | B | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040152 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid XXX. Appraisal fee disclosed on the XXX dated XXX as $XXX and the final CD dated XXX shows a final fee of $XXX which is an increase of $XXX. The XXX in the file does not give a valid reason for the increase in the appraisal fee. | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX; | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | B | B | A | A | A | C | B | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040152 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | B | A | A | A | C | B | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040154 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040154 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040154 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040662 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Purchase Contract is Expired | The Purchase Contract expired XXX. Provide a signed Purchase Contract Extension to XXX. | Document Uploaded. Per title The borrower has XXX days from the XXX to close so the XXX was a good closing date. |
XXX | Addendum to contract indicates delay of XXX days allowed (see page XXX). Condition rescinded. | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2026040662 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040662 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040116 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040116 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040116 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040123 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The Purchase Contract expired XXX. Provide a signed Purchase Contract Extension to XXX. | Document Uploaded. Uploaded extension. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
C | B | C | A | C | B | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |
| 2026040123 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Property | Ineligible Property | The Property is a Non-Warrantable XXX is and is ineligible. | Document Uploaded. Uploaded XXX - exception. | XXX | Lender exception to allow XXX approved by investor on XXX. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
C | B | C | B | C | B | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |
| 2026040123 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The Lender requires a XXX housing history. The file documents only XXX month housing history. Provide a complete XXX month housing history the meets the lender's guideline. | Document Uploaded. ; Document Uploaded. Uploaded XXX with exception. Only XXX months verified. | XXX | Lender Exception to accept a XXX month housing history vs. XXX months approved by investor on XXX. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
C | B | C | B | C | B | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |
| 2026040123 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
C | B | A | A | C | B | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |||
| 2026040659 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | Purchase Contract Expiration Date of XXX is prior to Note Date XXX. | Document Uploaded. XXX states there was not an add'l extension signed. See email. Uploaded XXX for exception. | XXX | Confirmed - the purchase contract shows if blank, the parties deem the extension to be XXX days from the date of XXX. Loan closed on XXX. XXX. ; ; Lender exception for missing amendment to contract extending the closing date to XXX approved by investor on XXX.; Material | XXX | D | A | B | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2026040659 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing the Note for the new XXX on the primary residence that disbursed on XXX. | Document Uploaded. Uploaded XXX for primary residence. | XXX | Copy of XXX agreement for Borrower's primary residence received and the payment matches what was used to qualify. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040659 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040659 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040048 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Tradelines do not meet Guideline Requirements | The lender’s minimum tradeline requirements have not been met per guidelines. Guidelines require XXX trade lines for XXX months. Borrower has XXX tradelines with no balance. XXX in the file cites this exception and approval is granted. | The lender’s minimum tradeline requirements have not been met per guidelines. Guidelines require XXX trade lines for XXX months. Borrower has XXX tradelines with no balance. XXX in the file cites this exception and approval is granted. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040048 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | The Purchase Contract expired XXX. Provide a signed Purchase Contract Extension to XXX. | Document Uploaded. Uploaded extension. | XXX | Contract extension to XXX received. Condition cleared.; Material | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | B | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040048 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040048 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040132 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040132 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040132 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040194 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an XXX and it meets the XXX and Appraisal Requirements. |
XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040194 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040194 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040145 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation date of XXX. Additional conditions may apply. | Document Uploaded. Uploaded initial CD and proof of receipt. | XXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040145 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower XXX Credit Report is Missing | Borrower 1 Credit Report is Missing. Broker Credit Report is over XXX days old. Per XXX credit report, a updated credit report was obtained by the Lender on XXX. Provide a copy of the XXX credit report for additional review. | Document Uploaded. Uploaded XXX credit rpt. | XXX | Borrower 1 Credit Report is not missing. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040145 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | A | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040129 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Guidelines require a VOE dated within XXX days of closing. Please provide a VOE dated XXX or later. | Document Uploaded. Invalid condition, as this attached Business search should have been uploaded w/the file, thanks | XXX | VVOE dated within XXX days of closing on page XXX. Condition rescinded. | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2026040129 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040129 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040088 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040088 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040088 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040649 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040649 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040649 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040047 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040047 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040047 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040134 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Provide the e-consent dated on or prior to the earliest XXX XXX. | Document Uploaded. | XXX | Evidence of eConsent is provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040134 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040134 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040060 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Subject closed closed XXX , XXX payment due XXX credit supplement verified XXX month, there are some checks paid for $XXX and $XXX under XXX account, however unable to verify if it was to cover prior housing payment. Cancelled checks or VOR is required. | Document Uploaded. | XXX | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040060 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. 1008, Credit Risk to match final Note | Document Uploaded. | XXX | Approval/Underwriting Summary is fully present; Material | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040060 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040060 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040180 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040180 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040180 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040061 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The borrower has a simultaneous refinance of an additional property with XXX. The details of that transaction have not been included in the subject loan file and therefore cannot be verified. | Document Uploaded. ; Hi, the XXX located at XXX. XXX has not closed as of yet... | XXX | Documentation to confirm XXX on XXX has not yet closed. Condition cleared.; Please provide documentation to confirm XXX mortgage secured against XXX has not yet closed. Thank you. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040061 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040061 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040150 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Guidelines require that assets be sourced and seasoned for XXX days. The funds to close for this transaction came from the sale of the borrower's primary residence which closed on XXX. | We have Bwrs do Sales of an XXX all the time and they use the Funds to buy another XXX. Why would we need these Funds to be sourced XXX days? Guidelines require that assets be sourced and seasoned for XXX days. The funds to close for this transaction came from the sale of the borrower's primary residence which closed on XXX. |
XXX | Asset Qualification Meets Guideline Requirements. Re-reviewed and confirmed the sale funds will not be sourced. Resolved. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040150 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040150 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX Compliant; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040182 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements The applicable guidelines do not allow charge offs in the last XXX months. The Borrower's credit report reflects a charge off reported XXX, which is less than XXX months before closing. | Document Uploaded. | XXX | Lender exception to allow charge off within XXX months approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | B | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2026040182 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX% tolerance violation is due to an increase in the Appraisal Fee from $XXX on the initial XXX to $XXX on the final CD. A XXX dated XXX was provided, however, invalid due to the borrower being billed $XXX on XXX per invoice. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | B | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2026040182 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | A | A | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |||
| 2026040098 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The final loan application reflects the Borrower had been renting his current residence for XXX months. The file contains verification of XXX months rental payments, covering XXX through XXX. The file also contains a letter from the Borrower in which he states the months of XXX through XXX were paid via money orders, therefore, cancelled checks were not available. The letter also states receipts were provided. However, the loan file does not contain the receipts. Please provide verification of rental payments for the months of XXX through XXX. | Document Uploaded. Pls note this loan was locked as Rent-Free since we didn't have all the months of Rental History...Its also on the XXX that you have in file which I re-attached along with the Lock which states the Lock was Locked with Rent Free pricing, thanks; Hi, Pls re-look at this file and look at the Lock as this loan closed as Rent-Free, thanks |
XXX | Lender provided XXX confirming loan was closed as rent free. Although the Borrower indicated they paid rent for XXX months and could only document XXX of those months, guidelines do allow for rent free Borrowers and updated XXX confirms it was closed under that program. Condition cleared.; The documentation within the loan file indicates the Borrower was paying rent for XXX out of the most recent XXX months. Please provide the full XXX month housing payment history. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040098 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete The subject loan closed on XXX, however, the Notary Acknowledgment Date was incorrectly reflected as XXX. Please provide a corrected Mortgage. | Document Uploaded. | XXX | The Deed of Trust is Present and Complete | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040098 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040098 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX Compliant; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040053 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040053 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040053 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040583 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX. The lender approved the FICO exception, citing minimal payment shock and XXX ratios with minimal credit use. | Audited FICO of XXX is less than Guideline FICO of XXX. The lender approved the FICO exception, citing minimal payment shock and XXX ratios with minimal credit use. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040583 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% The lender approved the XXX% LTV/CLTV exception, citing minimal payment shock and XXX ratios with minimal credit use. | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% The lender approved the XXX% LTV/CLTV exception, citing minimal payment shock and XXX ratios with minimal credit use. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040583 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% The lender approved the XXX% LTV/CLTV exception, XXX minimal payment shock and XXX ratios with minimal credit use. | Audited LTV of XXX% exceeds Guideline LTV of XXX% The lender approved the XXX% LTV/CLTV exception, citing minimal payment shock and XXX ratios with minimal credit use. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040583 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% Minimum FICO of XXX is required for XXX% financing. Lender approved Exception is in the file. | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% Minimum FICO of XXX is required for XXX% financing. Lender approved Exception is in the file. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040583 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The file is missing the Gift Letter and source of the large deposits to acct ending #XXX on XXX. | Document Uploaded. Pls see page XXX of the attached Assets also this should clear the other open conditions? Thanks ; Document Uploaded. ; Document Uploaded. ; This is correspondent loan and balance for that account in our system reflects is from print out on P XXX of PDFs in XXX for XXX. Large deposit tracking is under Assets “Large Deposits”. ; Document Uploaded. | XXX | Asset Qualification Meets Guideline Requirements; Updated assets and source of large deposits received. Asset Qualification Meets Guideline Requirements. Condition cleared.; The statement provided is a duplicate to the statement in file. Please provide the updated statement that reflects the balance of XXX and source of the XXX Transfers into XXX on XXX in the amount of XXX; XXX; and XXX.; The XXX statement from XXX does not reflect the source of large deposits of XXX, XXX, and XXX into the Borrower's XXX account on XXX. In addition, the balance in #XXX as of XXX is XXX vs. XXX on the 1003. Please provide the source of the large deposits and the updated statement that reflects XXX. Thank you.; The file is missing the "Large Deposits" documentation mentioned. Please provide source of the XXX Transfers into XXX on XXX in the amount of XXX; XXX; and XXX.; We apologize for the confusion. It appears we are missing the documentation to support the balance of $XXX in XXX as reflected on the 1003 and used to qualify. Please provide the updated history that reflects XXX as the balance, and upon receipt we will review to confirm all large deposits/transfers were properly documented per guidelines. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040583 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) Upon clarification received during rebuttal process the asset balance for #XXX appears to be $XXX vs $XXX reflected on the 1003. Updating the asset balance resulted in insufficient reserves. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. This is correspondent loan and balance for that account in our system reflects is from print out on P XXX of PDFs in XXX for XXX. Large deposit tracking is under Assets “Large Deposits”. | XXX | Updated assets and source of large deposits received. Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s). Condition cleared.; The statement provided is a duplicate to the statement in file. Please provide the updated statement that reflects the balance of XXX and source of the XXX Transfers into XXX on XXX in the amount of XXX; XXX; and XXX. ; The assets attached are not in the Borrower's name, nor do they confirm the XXX in XXX as reflected on the final 1003. Please provide additional assets in the Borrower's name that support the assets used to qualify. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040583 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. Upon clarification received during rebuttal process the asset balance for #XXX appears to be $XXX vs $XXX reflected on the 1003. Updating the asset balance resulted in insufficient reserves. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. This is correspondent loan and balance for that account in our system reflects is from print out on P XXX of PDFs in XXX for XXX. Large deposit tracking is under Assets “Large Deposits”. | XXX | Updated assets and source of large deposits received. Audited Reserves of XXX are equal to or greater than XXX Required Reserves of XXX. Condition cleared.; The statement provided is a duplicate to the statement in file. Please provide the updated statement that reflects the balance of XXX and source of the XXX Transfers into XXX on XXX in the amount of XXX; XXX; and XXX; The assets attached are not in the Borrower's name, nor do they confirm the XXX in XXX as reflected on the final 1003. Please provide additional assets in the Borrower's name that support the assets used to qualify. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040583 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Provide a 3rd Party VOE dated within XXX days of the closing date. | Document Uploaded. | XXX | VVOE dated within XXX days of closing in file on page XXX. Condition rescinded. | XXX | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2026040583 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040583 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040124 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; Material Finding; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040124 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only; Material Finding; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040124 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only; Material Finding; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040164 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Lenders 1008 does not match the CD and the contract sales price. Please revise and send a new 1008/XXX for review. | Document Uploaded. | XXX | Approval/Underwriting Summary is fully present; Material Finding | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
B | A | B | A | B | A | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040164 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only; Material Finding; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
B | A | A | A | B | A | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040164 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; Material Finding; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
B | A | A | A | B | A | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040140 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX exception cannot be downgraded as property taxes are not being XXX. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. my apologies I upld these in the wrong order. thanks ; can you please advise what is need to clear this condition? thanks | XXX | ; XXX and label provided, exception downgraded to XXX and exception cured; Letter of explanation provided with cure package did not address or notify the consumer to the correction of the XXX. Provide updated XXX to borrower to cure; XXX provided with cure package did not address or notify the consumer to the correction of the XXX. Provide updated XXX to borrower to cure; No cure available. Loan is considered a higher priced mortgage loan which requires Taxes and insurance to be XXX, however the CD shows no XXX for property taxes. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040140 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The XXX% tolerance violation in the amount of $XXX is due to the increase of Lender's title insurance fee from $XXX to $XXX and addition of the $XXX title admin fee and $XXX title digital storage fee on the CD dated XXX without valid XXX. | Document Uploaded. I added a lender credit so the borrower doesn’t have to send an additional money to fund the XXX. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040140 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only; Material Finding; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040140 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; Material Finding; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040232 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | The Note is Incomplete | The Note is Incomplete Interest-only Note addendum is missing. Lender to provide. | Hi! The note is interest only and contains the XXX. There is no addendum referenced. Am I missing somewhere that refers to an XXX? | XXX | Reviewed with Compliance. Additional Interest Only addendum not required based on verbiage within the Note. Condition rescinded. | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2026040232 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only; Material Finding; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040232 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; Material Finding; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040645 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and specified XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. There's no evidence of the initial CD issued XXX in the loan file. | Document Uploaded. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040645 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only; Material Finding; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040645 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; Material Finding; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040017 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Guidelines require a VOE dated within XXX days of closing. Please provide a VOE dated XXX or later. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040017 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Guidelines require a VOE dated within XXX days of closing. Please provide a VOE dated XXX or later. | Document Uploaded. | XXX | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX) | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040017 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; Material Finding; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040017 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only; Material Finding; Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040196 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Document Required : Missing Credit Score Disclosure (XXX). | Document Uploaded. | XXX | XXX Credit Score Disclosure is provided. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040196 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only; Material Finding; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040196 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; Material Finding; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040100 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Purchase Contract is Expired | Please provide a signed Purchase Contract extension to XXX. | Document Uploaded. ; I'm not seeing that the contract has expired at time of closing, pls advise | XXX | Lender exception for not obtaining contract extension to XXX approved by investor on XXX.; Purchase contract indicates loan to close XXX days from date of the XXX contract. Note date is XXX which is XXX days. Please provide the purchase contract signed by XXX Buyer and Seller extending closing date to XXX. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | B | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040100 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to XXX for the discount points added to CD XXX. A XXX or other evidence is required to determine if this was a valid change. | Document Uploaded. Pls not there is also a lender Credit | XXX | Valid XXX with applicable XXX provided; exception resolved; Valid XXX with applicable XXX provided; exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | A | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040100 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; Material Finding; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040113 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only; Material Finding; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040113 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only; Material Finding; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040113 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; Material Finding; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040018 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | XXX Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to the increase in XXX appraisals fee without a valid XXX in file This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. Uploaded cure docs. | XXX | Cure package provided, exception downgraded to a XXX; Cure package provided, exception downgraded to a XXX | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | B | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040018 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% | Document Uploaded. There is a XXX deed for the XXX so it is owned free and clear now. I also removed the positive rent for the XXX. See updated 1008 and 1003. DTI is still < XXX%. | XXX | XXX is a XXX, private mortgage held in a XXX (not as an XXX AND a XXX). Excluding mortgage payment and positive rental income on XXX resulted in a DTI of XXX% which remained within guidelines. Condition rescinded.; The Lender used Lease agreements to calculate the rental income for the XXX which has been owned XXX. Per Guidelines, properties owned during the XXX, must be calculated based on income reported on XXX. The income was documented with lease agreements and the PITI payment could only be washed per guidelines. Also, the lender failed to add the P&I Payment for the XXX that has more than XXX months remaining on the Promissory Note. | XXX | C | B | C | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2026040018 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; Material Finding; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040033 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only; Material Finding; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040033 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only; Material Finding; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040033 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; Material Finding; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040137 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only; Material Finding; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040137 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; Material Finding; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040137 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only; Material Finding; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040178 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only; Material Finding; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040178 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only; Material Finding; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040178 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; Material Finding; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040171 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only; Material Finding; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040171 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; Material Finding; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040171 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only; Material Finding; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040108 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | Please provide a signed Purchase Contract extension to XXX. | Document Uploaded. Uploaded extension. | XXX | Contract extension to XXX received. Condition cleared.; Material Finding | XXX | Borrower has stable job time - Borrower has XXX years on job. | B | A | B | A | B | A | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040108 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only; Material Finding; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | B | A | A | A | B | A | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040108 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; Material Finding; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | B | A | A | A | B | A | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040166 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Borrower does not meet residual income requirement | Residual income of $XXX does not meet guideline minimum of $XXX. XXX will generate $XXX of income which will increase residual income. XXX in the file cites this exception and approval is granted. | Residual income of XXX does not meet guideline minimum of $XXX. Departing residence will generate $XXX of income which will increase residual income. XXX in the file XXX this exception and approval is granted. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040166 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only; Material Finding; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040166 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; Material Finding; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040656 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 CPA Letter Missing | Borrower 1 XXX Letter Missing Guidelines require a XXX letter confirming percentage of ownership. | Document Uploaded. Uploaded XXX of XXX and XXX reports. Borr is only name on Articles. And borr is listed as XXX and XXX. XXX shows only XXX employee of the company which would be the borr as the manager. All supports owned XXX% by borr. | XXX | Documentation received confirming Borrower as XXX% owner of business. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | D | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040656 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Guidelines require a VOE dated within XXX days of closing. Please provide a VOE dated XXX or later | Document Uploaded. Uploaded XXX - date in lower left corner. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | D | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040656 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid XXX. The XXX% tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the recording fee added to CD XXX. A XXX is required to determine if this was a valid change. Final Charges That In Total Cannot Increase More Than XXX% Total =$XXX (recording fee) Comparable Charges That In Total Cannot Increase More Than XXX% Total =$XXX (recording fee), Tolerance variance amount for charges that in total cannot increase more than XXX%= $XXX | Document Uploaded. Uploaded cure docs. | XXX | Cure package provided, exception downgraded to a XXX; Cure package provided, exception downgraded to a XXX | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | C | B | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040656 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; Material Finding; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | A | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040162 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; Material Finding; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040162 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only; Material Finding; Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040162 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX Compliant This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational Only; XXX Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040228 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the appraisal fee on CD XXX. The XXX dated XXX does not provide any information on why the fee increased. Provide a more detailed reason so we can determine if this was a valid change. | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040228 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; Material Finding; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040228 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only; Material Finding; Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040667 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing explanation and supporting documentation for large deposit(s) | Missing source of large deposits $XXX on XXX from acct ending #XXX, $XXX on XXX from acct ending #XXX, $XXX on XXX from acct ending #XXX to XXX and $XXX on XXX from acct ending #XXX into XXX. | Document Uploaded. | XXX | Revised 1003 received removing XXX from available assets for reserves. All transfers were excluded from qualifying income at time of origination. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040667 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040667 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040163 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only; Material Finding; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040163 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only; Material Finding; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040163 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; Material Finding; Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040055 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to increase for the Credit Report on the final CD issued XXX without a valid reason. | Document Uploaded. ; Pls note the XXX Fee on Final CD is XXX NOT XXX | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX; A $XXX cure is still required, the credit report increased from $XXX to $XXX without a valid XXX. The credit report dollar in the exception comment was transposed but the tolerance violation is still valid | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | B | D | B | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2026040055 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | A | A | D | B | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |||
| 2026040055 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing Please provide the mortgage statement for XXX to confirm taxes and insurance are XXX. Thank you. | Document Uploaded. | XXX | Documentation received confirming XXX secured against XXX XXX for taxes and insurance. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | A | D | B | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2026040055 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Guidelines require a VOE dated within XXX days of closing. Please provide a XXX dated XXX or later for XXX (borrower's business) and XXX (XXX of income). | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | D | A | D | B | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2026040055 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% LTV>XXX% requires a max DTI of XXX% | Document Uploaded. | XXX | Lender exception for DTI >XXX% approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | B | D | B | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2026040055 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | A | A | D | B | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |||
| 2026040156 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX is in the file but it is for the wrong property. | Document Uploaded. | XXX | Third party valuation product provided within tolerance. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | B | A | C | A | A | A | C | B | C | A | C | B | C | A | C | B | C | A | C | B | C | A | C | B | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040156 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | The Purchase Contract Expired XXX. Please provide a signed Purchase Contract Extension to XXX. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | A | B | A | B | A | C | A | A | A | C | B | C | A | C | B | C | A | C | B | C | A | C | B | C | A | C | B | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040156 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | B | A | C | A | A | A | C | B | C | A | C | B | C | A | C | B | C | A | C | B | C | A | C | B | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040247 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040247 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040247 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040093 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The Purchase Contract Expired XXX. Please provide a signed Purchase Contract Extension to XXX. | Document Uploaded. ; If you review the Contract line XXX item XXX states Cloe of XXX must be w/in XXX after acceptance at the time of closing it was XXX days, pls advise thanks | XXX | Contract extension to XXX received. Condition cleared.; Seller Counter Offer No.XXX accepted on XXX changed XXX to XXX days, therefore, contract expired on XXX which was prior to Note date of XXX. Please provide a copy of the purchase contract extension to XXX. Thank you. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040093 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The lender used $XXX to qualify, as shown on the 1008. The fully amortizing payment per the note is $XXX. | Document Uploaded. ; isn't the payment on the Note XXX? | XXX | Approval/Underwriting Summary is fully present; 1008 in file reflected XXX payment of XXX used to qualify vs. XXX required per XXX. Please provide updated 1008 and XXX reflecting fully amortized XXX of XXX and corrected DTI. Thank you. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040093 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040093 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040188 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) The file documented $XXX in assets available for closing and reserves. The borrower was required to bring $XXX to closing, leaving $XXX months of reserves. The file is $XXX or XXX months short to meet the reserve requirement. | Lender provided updated 1003 to add an account that was not previously provided. ; Document Uploaded. Good morning, providing XXX exception approval for the # of months of reserves. | XXX | An updated exception report was provided. Acknowledging XXX months reserves when the guidelines require XXX months. Rationale - Very low LTV. Compensating Factors : DTI - XXX% (Housing) // XXX% (Total); Payment Shock is only XXX%; Residual Income of $XXX; Credit History - XXX; LTV - Qualifying LTV is XXX. ; Document Uploaded. ; Thank you for providing the approved exception for insufficient reserves. The XXX provided reflects an exception for XXX months or reserves, however, the reserves are XXX months. Please provide a corrected XXX approved exception. Thank you. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040188 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. The file documented $XXX in assets available for closing and reserves. The borrower was required to bring $XXX to closing, leaving $XXX for reserves. The file is $XXX short to meet the reserve requirement. | Lender provided updated 1003 to add an account that was not previously provided. ; Good morning, providing XXX exception approval for the # of months of reserves. | XXX | An updated exception report was provided. Acknowledging XXX months reserves when the guidelines require XXX months. Rationale - Very low LTV. Compensating Factors : DTI - XXX% (Housing) // XXX% (Total); Payment Shock is only XXX%; Residual Income of $XXX; Credit History - XXX; LTV - Qualifying LTV is XXX. ; Document Uploaded. ; Thank you for providing the approved exception for insufficient reserves. The XXX provided reflects an exception for XXX months or reserves, however, the reserves are XXX months. Please provide a corrected XXX approved exception. Thank you.; Document Uploaded. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040188 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040188 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040646 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX required. Refund in the amount of $XXX; cure requires a valid coc or a cure package with a post closing CD, letter of explanation, proof of refund, and proof of delivery. The appraisal fee increased from $XXX to $XXX on the CD dated XXX without valid XXX. | Document Uploaded. Uploaded cure docs. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040646 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040646 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040118 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040118 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040118 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040652 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Because the loan failed the initial XXX delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $XXX and will not reset. Cure- Provide a copy of the Initial XXX dated with XXX days of the initial application XXX. | Document Uploaded. | XXX | Initial XXX provided; exception resolved; Initial XXX provided; exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040652 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Because the loan failed the initial XXX delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $XXX and will not reset. Cure- Provide a copy of the Initial XXX dated with XXX days of the initial application XXX. | Document Uploaded. | XXX | Initial XXX provided; exception resolved; Initial XXX provided; exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040652 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to XXX of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure XXX business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on XXX (XXX) PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the XXX are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the XXX business day after the creditor receives the consumer's application. The Initial Loan Estimate dated XXX (per disclosure tracker in file) is missing from the loan file. The earliest XXX in the loan file was issued on XXX. The violation can be cured by providing the initial XXX within XXX days of application date XXX. | Document Uploaded. | XXX | Initial XXX provided; exception resolved; Initial XXX provided; exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040652 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040652 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040609 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Documentation required to clear exception: Please provide Homeownership Counseling Disclosure dated within XXX business days of application date of XXX. | Document Uploaded. | XXX | XXX Is Present or Not Applicable | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040609 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of application date of XXX or provide confirmation the lender has no affiliates. | Document Uploaded. | XXX | Required Affiliated Business Disclosure Documentation Provided | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040609 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040609 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040077 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset 2 Missing | Asset XXX Missing Please provide a copy of the executed CD from the sale of the property at XXX and a copy of the wire to the XXX. | Document Uploaded. Normally if we send you the XXX that suffice the Funds...I've never been asked for the Wire as well as the Settlement Statement; Document Uploaded. | XXX | Asset XXX Provided Or Not Applicable. Documentation to confirm the transfer was provided.; Thank you for providing the XXX for the sale of XXX . Please provide the copy of the wire of the net proceeds to the XXX for the purchase of the subject, XXX. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040077 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040077 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040106 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040106 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040106 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040011 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Right of Rescission is Missing | XXX is Missing Documentation required- Provide fully completed XXX. XXX in file is missing Cancel Date. | Document Uploaded. | XXX | Updated XXX provided, exception graded XXX.; Right of Rescission is Provided | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | B | D | B | A | A | A | A | D | B | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040011 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation date of XXX. Additional conditions may apply. This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified XXX) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. | Document Uploaded. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | B | C | A | A | A | A | A | D | B | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040011 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The lender credit tolerance violation in the amount of $XXX is due to decrease in Lender Credit from $XXX to $XXX on final CD. Exception due to missing initial CD dated XXX. XXX dated XXX related to Lender Credit decrease is in file. This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | XXX | Initial CD and valid XXX provided; exception resolved; Initial CD and valid XXX provided; exception resolved | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | B | C | A | A | A | A | A | D | B | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040011 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | B | A | A | A | A | A | A | D | B | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040011 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | B | A | A | A | A | A | A | D | B | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040635 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced XXX even if the additional conditions are met. XXX compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||
| 2026040635 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid XXX. The XXX% tolerance violation in the amount of $XXX is due to the increase of recording fee on the XXX dated XXX without valid XXX. XXX dated XXX does not provide reason for fee increase. | Document Uploaded. ; Can you pls escalate this as the Loan Amt change and it clearly states that on the XXX, therefore all fee' s changed? Thanks; Document Uploaded. Hi pls understand the XXX clearly states Loan Amt changed and that is why the recording Fees increased. Pls see Attestation Letter attached, thanks | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX; Recording fees cannot be increased with a loan amount change, therefore the XXX is not considered valid; The XXX did not contain a valid reason for the increase in recording fees. To comply with the XXX requirements and rebaseline fee amounts, XXX will look to the XXX documentation in file to include the components enumerated within the regulations as set forth in the preceding paragraph. The XXX documentation, at a minimum, should include: 1) The original estimate of the cost (can be documented through fee amounts disclosed on the initial LE); 2) specific reason for the revision and how it impacted the specific fee(s) that increased; 3) the revised amount (can be documented through fee amounts disclosed on the revised LE/CD but increase must correspond with actual change resulting from documented XXX and only fees related to the specific XXX are considered for rebaseline); and 4) the date of the changed circumstance (i.e. the date the creditor received information sufficient to establish that one of the reasons for revision provided under § 1026.19(e)(3)(iv)(A) through (F) has occurred) | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | B | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040635 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% The borrower has been self-employed for >XXX year and < XXX years. Per Matrix the max LTV/CLTV/HCLTV is XXX%. An additional XXX% LTV/CLTV/HCLTV reduction is required due to the subject being located in a Declining market with > XXX months marketing time. The LTV does not meet the lender's requirements. | Borrower was Self Employed with XXX and XXX for XXX years at time of application and closing (see page XXX). Max LTV in a declining market is XXX%. Condition rescinded. | XXX | C | B | C | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||
| 2026040635 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% The borrower has been self-employed for >XXX year and < XXX years. Per Matrix the max LTV/CLTV/HCLTV is XXX%. An additional XXX% LTV/CLTV/HCLTV reduction is required due to the subject being located in a Declining market with > XXX months marketing time. The CHLTV does not meet the lender's requirements. | Borrower was Self Employed with XXX and XXX for XXX years at time of application and closing (see page XXX). Max LTV in a declining market is XXX%. Condition rescinded. | XXX | C | B | C | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||
| 2026040635 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% The borrower has been self-employed for >XXX year and < XXX years. Per XXX the max LTV/CLTV/HCLTV is XXX%. An additional XXX% LTV/CLTV/HCLTV reduction is required due to the subject being located in a Declining market with > XXX months marketing time. The CLTV does not meet the lender's requirements. | Document Uploaded. Hi, pls review the Operating as the Formation of the XXX was XXX, therefore the condition is invalid. Also if you review the Appraisal it states marketing time is under XXX months | XXX | Borrower was Self Employed with XXX and XXX for XXX years at time of application and closing (see page XXX). Max LTV in a declining market is XXX%. Condition rescinded. | XXX | C | B | C | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2026040635 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040205 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Business Bank Statements Missing | Borrower 1 XXX Missing Borrower has XXX months of XXX. Please remit the bank statements for XXX from XXX XXX to XXX for review. | Client provided a copy of the #XXX showing the account is an additional XXX. ; Document Uploaded. ; Document Uploaded. | XXX | Borrower XXX XXX Bank Statements Provided. Documentation provided by the borrower confirms it is a XXX.; ; Thank you for providing the XXX months of statements for XXX. There appear to be numerous transfers from XXX that were included in the qualifying income. Please provide documentation to confirm the transfers from XXX are eligible to be included as business income. Thank you.; Please remit XXX bank statements for B1's business with XXX firm from XXX to XXX for review (only B2's XXX statements were just provided and were for XXX which were already in file. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040205 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040205 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040671 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | Purchase contract expired on XXX yet loan closed on XXX. Please provide contract extension to XXX. Thank you. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | B | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040671 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | XXX required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The tolerance violation is due to the increase of the appraisal fee from $XXX to $XXX on the CD dated XXX without valid XXX. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | B | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040671 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Lender included an additional $XXX per month in "other" expenses for the subject property as reflected on the 1008 and 1003. Please provide documentation to verify the other expense. | Document Uploaded. | XXX | Approval/Underwriting Summary is fully present | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | B | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040671 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing Missing documentation to confirm XXX located at XXX is owned free and clear. | Document Uploaded. | XXX | Documentation to confirm XXX located at XXX is owned free and clear received. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040671 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040101 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The Lender requires a 3rd Party Verification of Employment completed within XXX (XXX) days of the closing. The file is missing the required XXX (XXX) day Verification of Employment. Provide a 3rd Party Verification of Employment completed within XXX days of closing. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040101 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040101 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040579 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040579 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040579 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040201 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing the executed CD from sale of the XXX and proof of the funds wire to the title company for closing. Please provide the missing executed CD and proof of funds wire to the XXX. | Document Uploaded. ; Document Uploaded. | XXX | Asset Qualification Meets Guideline Requirements; Thank you for providing the settlement statement for the sale of XXX. Please provide the wire confirming net proceeds of XXX was sent to the XXX for closing (wire provided was for the XXX for the purchase of the borrower's property). | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040201 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The Lender's Guidelines requires a XXX. Provide a completed XXX. | Hye. why would this be needed on a XXX loan? thanks, | XXX | Income and Employment Meet Guidelines. Per the matrix, a XXX is required - but does not state or show whether it is for personal/business/both. Per the guidelines, only the XXX is required on XXX. Cleared.; Lender provided email communication. Stating for a XXX - the XXX is not a requirement. ; Per page XXX of Lender matrix, a XXX is required when using bank statements as qualifying income. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040201 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The file is missing proof of PITIA for the rental property on XXX. Please provide proof of the mortgage payment, taxes, insurance, and HOA. If the property does not have an HOA payment please provide a signed statement from the borrower that the property is not located in an HOA. | Document Uploaded. XXX not required | XXX | Property report in file on page XXX reflects XXX as a XXX , land use XXX, XXX, XXX. XXX not required to be included in DTI. Condition rescinded. | XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2026040201 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040201 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040165 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing Provide proof of PITIA/Final Final CD with final terms and the income source documentation used to calculation the rental income for the other XXX simultaneous closing properties on XXX. | Document Uploaded. | XXX | PITIA for simultaneous closings for XXX on XXX received and matches what was used to qualify. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040165 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | Provide a signed Purchase Contract Extension to XXX. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040165 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040165 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040080 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Missing Credit Score Disclosure (XXX). | Document Uploaded. | XXX | XXX Credit Score Disclosure is provided. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | B | A | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040080 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements Per Lender No Collection/Charge offs/Judgment in the last XXX months. The borrower has a collection account that Last Reported XXX and Opened XXX. The Loan does not meet the Lender's requirements. | Document Uploaded. | XXX | Lender exception for collection within XXX months approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | B | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040080 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX compliant- Appraisal and XXX requirement met This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | XXX compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | A | A | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040080 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | A | A | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040141 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Provide proof the gift fund XXX gave the funds to the closing agent. Documentation Requirements- a copy of the XXX to the closing or evidence of wire transfer from the XXX. | Document Uploaded. | XXX | Asset Qualification Meets Guideline Requirements | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040141 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | Provide a signed Purchase Contract Extension to XXX. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040141 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040141 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040658 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040658 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040658 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040219 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040219 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040219 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040237 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040237 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040237 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040202 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040202 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040202 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040072 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements The applicable guidelines do not allow charge offs in the last XXX months. The Borrowers' credit report reflects a charge off last reported XXX, which was less than XXX months form closing. | Document Uploaded. | XXX | Lender exception for charge off within XXX months approved by investor on XXX.; Delinquent Credit History Does Not Meet Guideline Requirements The applicable guidelines do not allow charge offs in the last XXX months. The Borrowers' credit report reflects a charge off last reported XXX, which was less than XXX months form closing. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | B | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040072 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XXX. | Document Uploaded. | XXX | E consent provided, exception resolved; Evidence of eConsent is provided. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | B | A | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040072 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | A | A | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040187 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The tolerance is due to an increase of the credit report fee from $XXX to $XXX on final CD dated XXX without valid XXX. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | XXX | cure package provided to the borrower; Exception downgraded to a XXX; cure package provided to the borrower; Exception downgraded to a XXX | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | B | A | A | C | A | C | B | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040187 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Property | Property Issue(s) are Present | XXX or more issues or defects with the property have been discovered. The appraiser notes that the XXX has been temporarily converted into a bedroom with no XXX but he does not address whether or not that is an acceptable use of the space per the XXX/XXX. | This is a XXX. It has not been converted or being included as living space on the appraisal. Subject is a XXX XXX and not a XXX | XXX | XXX change or conversion made to the XXX, therefore, no permit or zoning confirmation required since it can be considered as just XXX being stored in the XXX. Appraiser did not include the XXX in the XXX. Condition rescinded.; XXX or more issues or defects with the property have been discovered. The appraiser notes that the garage has been temporarily converted into a bedroom with no structural changes but he does not address whether or not that is an acceptable use of the space per the local XXX safety codes. | XXX | C | B | C | A | A | A | C | A | C | B | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2026040187 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | A | A | C | A | C | B | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040168 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements The credit report reflects a charge off that Last Reported XXX. The account closed XXX. Per XXX No collections/charge offs or judgements in the past XXX months. | Document Uploaded. | XXX | Lender exception for charge off within XXX months approved by investor on XXX.; Delinquent Credit History Does Not Meet Guideline Requirements The credit report reflects a charge off that Last Reported XXX. The account closed XXX. Per Matrix No collections/charge offs or judgements in the past XXX months. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040168 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040168 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040173 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower XXX Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Per Lender's XXX-day report an updated credit report was obtained dated XXX that reflected a significant changed in the borrower's credit qualification due to a XXX consumer late. Provide a copy of the XXX credit report for additional review. | Document Uploaded. | XXX | Borrower 1 Credit Report is not partially present.; Borrower 1 Credit Report is Partially Present. Per Lender's XXX-day report an updated credit report was obtained dated XXX that reflected a significant changed in the borrower's credit qualification due to a XXX consumer late. Provide a copy of the XXX credit report for additional review. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040173 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements Lender exception for XXX on consumer debt approved by investor on XXX. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | B | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||||
| 2026040173 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Tradelines do not meet Guideline Requirements | The lender’s minimum tradeline requirements have not been met per guidelines. The borrower was XXX late for a consumer debt. The XXX has an exception listed - Exception Type - Credit- Payment History, Guideline-XXX (consumer debt), Actual XXX. Rationale: low ratio's and acct is now paid and closed. Approved by Lender on XXX. |
Exception in in file, why this is not cleared? | XXX | Exception is for credit history vs. minimum XXX. Condition rescinded and re-issued under correct finding and then acknowledged.; The lender’s minimum XXX requirements have not been met per guidelines. The borrower was XXX late for a consumer debt. The XXX has an exception listed - Exception Type - Credit- Payment History, Guideline-XXX (consumer debt), Actual XXX. Rationale: low ratio's and acct is now paid and closed. Approved by Lender on XXX. |
XXX | C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2026040173 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040173 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040065 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040065 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040065 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040022 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid XXX. The XXX-tolerance violation in the amount of $XXX is due to the credit report fee on the final CD dated XXX without valid XXX. | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040022 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040022 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040207 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing Borrowers investment property is closing simultaneously. Please provide the Final CD that reflects the terms and proof of XXX. If there is no XXX a signed statement from the borrower stating there is no XXX is payment. | Document Uploaded. other loan did not close | XXX | Per Lender, other property on XXX did not close. Updated 1003, 1008, and XXX received removing the property and payment. Condition cleared.; Income XXX Months Income Verified is Missing Borrowers XXX is closing simultaneously. Please provide the Final CD that reflects the terms and proof of XXX. If there is no XXX a signed statement from the borrower stating there is no XXX is payment. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040207 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040207 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040234 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. The bank statements reflect multiple NSF's. Neither the 1008 or XXX reflect that the NSFs have been reviewed and acceptable. | Document Uploaded. | XXX | Overdraft/NSF count reviewed by investor and deemed within tolerance.; Overdraft/NSF count exceeds tolerance. The bank statements reflect multiple XXX. Neither the 1008 or XXX reflect that the XXX have been reviewed and acceptable. | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040234 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX with established XXX and appraisal requirements met. Exception downgraded to a A. | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040234 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040158 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Lender used XXX% of lease income for rental property located at XXX, however, documentation in file confirms Borrower as only XXX% owner of XXX. Please provide documentation to confirm Borrower is XXX% owner of XXX to use XXX% of the rental income to wash the PITI. Thank you. | Document Uploaded. | XXX | Income and Employment Meet Guidelines; Income and Employment Do Not Meet Guidelines Lender used XXX% of lease income for rental property located at XXX, however, documentation in file confirms Borrower as only XXX% owner of XXX. Please provide documentation to confirm Borrower is XXX% owner of XXX to use XXX% of the rental income to wash the PITI. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040158 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040158 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040657 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX Homeownership Counseling Organizations Disclosure Date Test | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: ( 12 CFR §1024.20(a) )The loan has a homeownership counseling organizations disclosure date that is not within XXX business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than XXX business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the XXX for lenders to use in complying with the requirements of this section; or(XXX)Data made available by the XXX or XXX for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than XXX business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on XXX As not being open on XXX PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the XXX are closed to the XXX for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception. Documentation required to confirm the disclosure was sent within the XXX days of application. The homeownership counseling organizations disclosure provided to the borrower on XXX was not provided within XXX days of application date of XXX. |
Document Uploaded. the XXX signed the initial 1003 on XXX | XXX | XXX dated within XXX days of the application provided; exception resolved; XXX dated within XXX days of the application provided; exception resolved; Homeownership counseling disclosure in file (dated XXX) is not dated within XXX day of the application date | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | B | A | B | B | A | A | C | A | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040657 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The XXX that is being paid off at closing was not a purchase money and is less than XXX year old since it was opened XXX. Per G.L. this transaction is considered a Cash-out Refinance. Provide a corrected XXX and 1008 that reflects the Loan Purpose as Cash-out Refinance. | Document Uploaded. | XXX | Lender exception to close loan as a rate/term refinance with the payoff of a non-purchase money XXX months old vs. as a cash out refinance was approved by investor on XXX.; Material; Approval/Underwriting Summary Partially Provided. The XXX that is being paid off at closing was not a purchase money and is less than XXX year old since it was opened XXX. Per XXX this transaction is considered a XXX. Provide a corrected XXX and 1008 that reflects the Loan Purpose as XXX. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | B | B | B | B | A | A | C | A | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040657 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XXXand signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XXX. Additional conditions may apply. This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. | Document Uploaded. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | A | B | B | A | A | C | A | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040657 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: ( 12 CFR §1026.19(e)(4)(ii) )The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than XXX business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version XXX business days after the creditor delivers or places such version in the mail. The revised loan estimate delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date. | Document Uploaded. | XXX | Revised XXX receipt date in file; exception resolved; Revised XXX receipt date in file; exception resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | A | B | B | A | A | C | A | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040657 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | B | B | A | A | C | A | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040115 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid XXX. The XXX violation in the amount of $XXX is due to increase of the discount points fee from $XXX to $XXX on CD dated XXX without valid XXX. Change not re-disclosed within XXX business days of XXX change date. XXX dated XXX listed on disclosure tracking details not provided. | The CD sent on XXX and XXX to the borrower (prior to come to closing) shows XXX in discount points so I do not think a XXX would have been required at closing. | XXX | The amount of discount points disclosed to the borrower on the initial XXX dated XXX was $XXX which sets the baseline, it was later increased on the initial CD XXX which requires a valid XXX; Valid XXX with revised XXX provided; exception resolved; The amount of discount points disclosed to the borrower on the initial XXX dated XXX was $XXX which sets the XXX, it was later increased on the initial CD XXX which requires a valid XXX; Valid XXX with revised XXX provided; exception resolved; | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040115 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX compliant This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | XXX Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040115 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Guidelines require a VOE dated within XXX days of the note date. Provide a 3rd Party VOE dated within XXX days of the closing date. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided; Borrower 1 3rd Party VOE Prior to Close Missing Guidelines require a VOE dated within XXX days of the note date. Provide a 3rd Party VOE dated within XXX days of the closing date. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040115 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040270 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX. XXX in the file cites this exception and approval is granted. | Audited FICO of XXX is less than Guideline FICO of XXX. XXX in the file cites this exception and approval is granted. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | B | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040270 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing bank account transaction history for #XXX from XXX-XXX. Please provide a complete transaction history for this account for additional review. The Gift Letter is incomplete it is missing the source of the funds, bank name, account type, account number, date of transfer and relationship to the borrower.-please provide a complete and signed gift letter for additional review. |
Document Uploaded. ; Document Uploaded. ; Ok, it was transfer into borrowers account and borrower wired from there. So, it didn’t go straight to XXX from the XXX. ; no wire was sent to title at closing. do you want an updated pccd? thanks ; Document Uploaded. ; Hey - why do we need XXX XXX? We have last statement in file and have not expired. |
XXX | $XXX gift was deposited into XXX vs. deposited at time of closing as reflected on Final CD. Lender provided a corrected PCCD removing the $XXX gift. Compliance reviewed the PCCD. Assets updated. Condition cleared.; Pending Compliance review of PCCD.; Page XXX of the PCCD provided still reflects the $XXX gift wired to closing yet prior rebuttal on XXX indicated the $XXX gift was not wired direct to the XXX. Please provide a correct CD for evaluation. Thank you.; If the $XXX gift reflected on the CD was not wired direct to closing, please provide a corrected PCCD and an explanation from the XXX. Upon receipt, we will re-evaluate to confirm the asset documentation is sufficient. Thank you.; If the final CD provided was incorrect, we will need a revised PCCD which may need to be reviewed by XXX. In addition, we will need an explanation from the XXX regarding the reason for the removal of the $XXX gift that was initially reflected on the signed final CD. Thank you.; Asset Qualification Does Not Meet Guideline Requirements After receipt of the completed gift letter, there appears to have been XXX different gifts in the amount of $XXX: 1) that was received and deposited to Borrower's account #XXX on XXX; and 2) $XXX gift deposited direct to XXX on XXX as reflected on page XXX of the final CD. Please provide the documentation for the XXX of $XXX that was deposited direct to XXX on XXX (need gift letter and copy of wire to XXX).; Asset Qualification Does Not Meet Guideline Requirements After receipt of the completed gift letter, there appears to have been XXX different gifts in the amount of $XXX: 1) that was received and deposited to Borrower's account #XXX on XXX; and 2) $XXX gift deposited direct to XXX on XXX as reflected on page XXX of the final CD. Please provide the documentation for the XXX gift of $XXX that was deposited direct to XXX on XXX (need gift letter and copy of wire to XXX).; Asset Qualification Does Not Meet Guideline Requirements Missing bank account transaction history for #XXX from XXX. Please provide a complete transaction history for this account for additional review. The Gift Letter is incomplete it is missing the source of the funds, bank name, account type, account number, date of transfer and relationship to the borrower.-please provide a complete and signed gift letter for additional review. ; There is a XXX between the end of XXX dated XXX that reflected a balance of $XXX to the start of the transaction history dated XXX that reflected a balance of $XXX. The history between those dates is required to evaluate the deposits. 1) Please provide the history of XXX between XXX to XXX; and 2) please provide a complete gift letter reflecting the source of the funds, bank name, account type, account number, date of transfer and relationship to the borrower.; Asset Qualification Does Not Meet Guideline Requirements After receipt of the completed gift letter, there appears to have been XXX different gifts in the amount of $XXX: 1) that was received and deposited to Borrower's account #XXX on XXX; and 2) $XXX gift deposited direct to XXX on XXX as reflected on page XXX of the final CD. Please provide the documentation for the XXX gift of $XXX that was deposited direct to XXX on XXX (need gift letter and copy of wire to XXX).; Asset Qualification Does Not Meet Guideline Requirements Missing bank account transaction history for #XXX from XXX. Please provide a complete transaction history for this account for additional review. The Gift Letter is incomplete it is missing the source of the funds, bank name, account type, account number, date of transfer and relationship to the borrower.-please provide a complete and signed gift letter for additional review. |
XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | A | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040270 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). System issue-- exception fired in error System issue-- exception fired in error | XXX | C | B | C | A | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||
| 2026040270 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040270 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040263 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040263 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040263 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040235 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040235 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040235 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040668 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XXX. Disclosure tracking confirms initial CD is dated XXX. Additional conditions may apply. This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. | Document Uploaded. | XXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040668 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040668 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040220 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | Provide a signed Purchase Contract Extension to XXX. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040220 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040220 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040252 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to increase of the XXX fee from $XXX to $XXX on the final CD dated XXX without valid XXX. XXX dated XXX does not advise why fee increased. | Document Uploaded. | XXX | Cure package provided, exception downgraded to a XXX; Cure package provided, exception downgraded to a XXX | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040252 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040252 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040605 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Potential Occupancy/Current Address Issues identified in the file | The intent and/or status of the XXX is not supported in the file. Hazard insurance reflected XXX Value coverage and had a XXX endorsement yet the subject is a XXX. Please provide a corrected XXX or clarification from Insurance Agent that it is not a XXX. Thank you. | Document Uploaded. ; Document Uploaded. | XXX | Intent of borrower's occupancy supported. Received letter from the insurance agent confirming the property is and will be owner occupied - and provided an explanation regarding the coverage D. Sufficient documentation. Cleared.; Policy received was for XXX. The intent and/or status of the borrower's occupancy of the " subject" is not supported in the file. Hazard insurance for the "subject" reflected coverage and had a XXX endorsement yet the subject is a XXX. Please provide a corrected XXX or clarification from XXX that it is not a XXX. Thank you.; The intent and/or status of the borrower's occupancy is not supported in the file. Hazard insurance reflected Fair Rental Value coverage and had a XXX endorsement yet the subject is a XXX. Please provide a corrected XXX or clarification from XXX that it is not a XXX. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040605 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | Purchase contract expired on XXX prior to loan closing of XXX. Please provide a copy of the contract extension to XXX. | Document Uploaded. ; Document Uploaded. | XXX | Okay to accept XXX year expiration date of purchase contract on this XXX per management. Condition resolved.; The purchase agreement states the house will be completed within XXX years. The contract also states: “Settlement on the Property is estimated to be completed on or about XXX (the Estimated Settlement Date). Settlement will be scheduled by XXX and We will give you no less than XXX days written notice of the actual Settlement. We will call this the Actual Settlement Date”. Please provide documentation to support the “Actual Settlement Date” to determine the expiration of the contract. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040605 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Rescinded | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The XXX bill for the primary residence and the XXX invoice for the rental property at XXX are missing from the file. | Document Uploaded. | XXX | XXX and XXX documented in the loan file on pages XXX. Condition rescinded. | XXX | D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2026040605 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid XXX. The exception is tied to the missing Initial XXX issued within XXX business days of the application date of XXX as the earliest available XXX is dated XXX. Please provide the initial XXX issued within XXX business days of the application date of XXX. Disclosure tracking details indicates initial XXX dated XXX. Additional testing will be completed once the initial XXX is provided. | Document Uploaded. | XXX | Initial XXX in file; exception resolved; Initial XXX in file; exception resolved; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040605 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Rescinded | XXX | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to XXX of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure XXX business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on XXX As not being open on XXX PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the XXX business day after the creditor receives the consumer's application. Documentation required to clear exception. The Initial Loan Estimate dated XXX (per disclosure tracking) is missing from the loan file. The earliest XXX in the loan file was issued on XXX. The violation can be cured by providing the initial XXX within XXX days of application date of XXX. Additional conditions may apply. | Document Uploaded. | XXX | Initial XXX in file; exception resolved; Initial XXX in file; exception resolved | XXX | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2026040605 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX business days prior to the consummation date is required | Document Uploaded. | XXX | Evidence of appraisal delivery provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | B | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040605 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040239 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing 3rd Party VOE dated within XXX days of the closing date. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided; Borrower 1 3rd Party VOE Prior to Close Missing Missing 3rd Party VOE dated within XXX days of the closing date. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | B | D | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040239 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). XXX Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX% tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the XXX Prep fee and from $XXX to $XXX for the XXX Search and Exam fee on CD XXX. XXX in file does not provide an adequate reason for the increase in these fees. |
Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | B | C | B | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040239 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | B | A | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040245 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | Provide a signed Purchase Contract Extension to XXX. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040245 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040245 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040223 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040223 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040223 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040615 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | XXX | This loan failed the XXX finance charge test.( 12 CFR §1026.38(o)(2) )The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is understated by more than $XXX. XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. The fees included in the finance charge calculation include: Lender Document Preparation Fee paid by Borrower: $XXX, Funding, Wire, or Disbursement Fee paid by Borrower: $XXX, Processing Fee paid by Borrower: $XXX, Underwriting Fee paid by Borrower: $XXX, Points - Loan Discount Fee paid by Borrower: $XXX, MERS Registration Fee paid by Borrower: $XXX, Flood Certification - Single Charge or Life of Loan paid by Borrower: $XXX, Title Archive Fee paid by Borrower: $XXX, XXX Fee paid by Borrower: XXX, Notary Fee paid by Borrower: $XXX, Settlement or Closing Fee paid by Borrower: $XXX, XXX Wire [Wire Transfer Fee] paid by Borrower: $XXX, Recording Service Fee paid by Borrower: $XXX, Title Courier Fee paid by Borrower: $XXX, Title Processing Fee paid by Borrower: $XXX and Prepaid Interest paid by Borrower: $XXX. | Document Uploaded. ; Document Uploaded. ; Hi Can we escalate this to management? We don’t do anything to change the finance charge If I change the fees that affect the finance charge then, that will change, Are the fees included in the finance charge correct? Thank You ! ; I have printed the cd and the docs cd – fees borrower did not shop for have not increased. Can you please explain? |
XXX | Cure package provided to borrower within XXX days of discovery. Exception downgraded to XXX.; PCCD provided did not resolve the exception, Cure package is missing XXX, copy of check, and proof of delivery. When finance charges are under disclosed at consummation, a refund is required; XXX Cure Required. Refund in the amount of XXX; cure package requires a PCCD, XXX, Copy of Refund Check, and Proof of Delivery. ; Updated cure amount to XXX. The exception is not related to XXX% fee tolerance, the exception is due to the lender under disclosing the finance charges on page XXX of the CD. The fees included in the finance charge calculation include: Funding, Wire, or Disbursement Fee paid by Borrower: XXX, Processing Fee paid by Borrower: XXX, Underwriting Fee paid by Borrower: XXX, Points - Loan Discount Fee paid by Borrower: XXX, XXX Registration Fee paid by Borrower:XXX, Flood Certification paid by Borrower: XXX, Title Archive Fee paid by Borrower: XXX, Tie-in Fee paid by Borrower: XXX, Settlement or Closing Fee paid by Borrower: XXX, Title Wire [Wire Transfer Fee] paid by Borrower: XXX, Recording Service Fee paid by Borrower:XXX, Title Courier Fee paid by Borrower: XXX, Title Processing Fee paid by Borrower: XXX; Messenger Fee XXX; Sub XXX Fee XXX and Prepaid Interest paid by Borrower: XXX.; This loan failed the XXX charge test.( 12 CFR §1026.38(o)(2) )The finance charge is XXX. The disclosed finance charge of XXX is not considered accurate because it is understated by more than $XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | C | B | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040615 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | Provide a signed Purchase Contract Extension to XXX. | Document Uploaded. ; Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared.; Only Amendment of XXX Instructions uploaded and does not confirm extension of purchase contract/closing date. Please provide a copy of the purchase contract extension to XXX. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040615 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Provide a 3rd Party VOE dated within XXX-days of the closing date. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided; Borrower 1 3rd Party VOE Prior to Close Missing Provide a 3rd Party VOE dated within XXX-days of the closing date. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | D | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040615 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. |
Document Uploaded. | XXX | Evidence of appraisal delivery provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | B | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040615 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. |
Document Uploaded. | XXX | Required Affiliated Business Disclosure Documentation Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | B | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040615 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | A | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040035 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Lenders Hazard insurance amount does not correlate to the HOI documents in the file. Please revise the 1008/CRSE with the correct HOI monthly payment. | Document Uploaded. | XXX | Approval/Underwriting Summary is fully present; Material; Approval/Underwriting Summary Partially Provided. Lenders Hazard insurance amount does not correlate to the XXX documents in the file. Please revise the 1008/XXX with the correct XXX monthly payment. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | B | B | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040035 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. Audit was unable to verify $XXX in XXX deposits. Therefor, the available assets were used to qualify the funds for the earnest money and closing. Therefor the loan is short $XXX to meet the XXX months reserve requirement. | Document Uploaded. | XXX | Audited Reserves of $XXX are equal to or greater than XXX Required Reserves of $XXX.; Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Audit was unable to verify XXX in XXX deposits. Therefor, the available assets were used to qualify the funds for the earnest money and closing. Therefor the loan is short XXX to meet the XXX months reserve requirement. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | B | C | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040035 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) Audit was unable to verify $XXX in XXX deposits. Therefor, the available assets were used to qualify the funds for the earnest money and closing. Therefor the loan is short XXX months to meet the XXX months reserve requirement. | Document Uploaded. | XXX | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) Audit was unable to verify XXX in XXX deposits. Therefor, the available assets were used to qualify the funds for the XXX and closing. Therefor the loan is short XXX months to meet the XXX months reserve requirement. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | B | C | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040035 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Loan does not conform to program guidelines | Per Guidelines, the Guideline Restrictions are that income from only XXX separate qualified business. The Lender is using income sourced from XXX businesses. This loan does not conform to program guidelines. | Document Uploaded. | XXX | Lender exception to use XXX businesses for income vs. max of XXX approved by investor on XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | B | C | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040035 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Please provide 3rd Party VOE"s dated within XXX days of the closing date for the XXX businesses used to qualify for the loan. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided; Borrower 1 3rd Party VOE Prior to Close Missing Please provide 3rd Party VOE"s dated within XXX days of the closing date for the XXX businesses used to qualify for the loan. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040035 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040035 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040138 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | XXX Points and Fees Test | There's no undiscounted rate in the loan file. This loan failed the high-cost home loan points and fees test due to one of the following findings: ( XXX 1149 [G.S. § 24-1.1E(a)(6)] ) ( XXX amendments to XXX [G.S. § 24-1.1E(a)(6)] ) ( XXX [G.S. §24-1.1E(a)(5)) (XXX [G.S. §24-1.1E(a)(5), as amended XXX] ) ( XXX ) ( XXX [G.S. §24-1.1E(a)(5-6), as amended XXX] )The loan is a closed-end loan, was made before XXX or on or after XXX, total loan amount is XXX or more, and the total points and fees exceed XXX% of the total loan amount; orThe loan is a closed-end loan, was made on or after XXX, total loan amount is XXX or more, and the total points and fees exceed XXX% of the total loan amount; orThe loan is a closed-end loan, total loan amount is less than XXX, and the total points and fees exceed the lesser of XXX% of the total loan amount or XXX; orThe loan is an open-end loan, was made before XXX or on or after XXX, the maximum line of credit is at least XXX, and the total points and fees exceed XXX% of the maximum line of credit; orThe loan is an open-end loan, loan was made on or after XXX and before XXX , the maximum line of credit is at least XXX, and the total points and fees exceed XXX% of the maximum line of credit; orThe loan is an open-end loan, the maximum line of credit is less than XXX, and the total points and fees exceed XXX% of the maximum line of credit.This calculation takes into account direction regarding seller-paid points and fees provided by the XXX, XXX. | Document Uploaded. ; Document Uploaded. | XXX | PCCD, LOE, copy of check and proof of shipment provided with XXX days of discovery, XXX, which downgrades the exception to a B. Exception cured within XXX days of the creditor's discovery or receipt of notification of an unintentional violation or XXX error and prior to the institution of any action. The consumer was notified of the compliance failure, appropriate restitution was made, and whatever adjustments necessary were made to the loan to either, (XXX) make the loan satisfy the requirements of this part; or (B) in the case of a high-cost mortgage, change the terms of the loan in a manner beneficial so that the loan will no longer be a high-cost mortgage. The consumer accepted a change the terms of the loan in a manner beneficial so that the loan will no longer be a high-cost mortgage. Cure package provided to the borrower; exception downgraded to a 2/B; Undiscounted rate did not resolve the exception; The following fees are included in the calculation: $XXX Commitment Fee XXX lender paid broker compensation; XXX Discount points; $XXX Closing Fee XXX Title courier and $XXX Title email fee; Cure requires: XXX cure package should include PCCD, LOE, copy of check and proof of delivery | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040138 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX Rate Spread Home Loan Test | XXX compliant. This loan failed the XXX rate spread home loan test. ( NC GS §24-1.1F(a)(7) )The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX of the full ComplianceAnalyzer report.While the XXX provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and XXX may prefer not to fund or buy rate XXX even if the additional conditions are met. |
XXX Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040138 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | XXX Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040138 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040138 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040105 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040105 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040105 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040107 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Please provide a XXX within guideline tolerance levels. | Document Uploaded. | XXX | XXX provided within tolerance.; XXX Not Provided or Not Provided Within Tolerance. Please provide a XXX within guideline tolerance levels. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040107 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | A | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040107 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | A | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040264 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040264 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040264 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040029 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Asset Qualifier Guidelines require Greater of - total loan amount + cash required to close + total monthly debts x XXX mo. + XXX months reserves OR $XXX in post-closing assets (only $XXX remain after the required calculation). | Document Uploaded. I corrected the insufficient assets remaining and uploaded the XXX.; Document Uploaded. ; Document Uploaded. ; Document Uploaded. Did you see the attached assets, as funds Bwr rec'd at closing? Also does the condition state monthly debt XXX months? | XXX | Lender exception for remaining assets of XXX (which is XXX below minimum) vs. $XXX required for asset qualifier approved by investor on XXX; Thank you for providing the XXX reflecting an approved exception, however, the exception approved indicates the assets were only XXX below the minimum yet the assets are XXX below the minimum. Per Section XXX, minimum assets required after calculation is $XXX yet Borrower has XXX. Please provide a revised XXX with corrected approved exception. Thank you.; Assets provided were in file and analyzed at time of review. We apologize for the confusion with the original calculation. Per Section XXX of Lender guidelines the Borrower must have sufficient assets to cover the loan amount (XXX) + closing costs and prepaids (XXX) + XXX years of monthly debt expenditures (XXX) + XXX months of PITIA reserves (XXX) with remaining post closing assets of XXX. Total qualified assets of XXX minus total assets needed of XXX (subtracting out cash back of XXX)= XXX which is less than the minimum of $XXX required.; Income and Employment Do Not Meet Guidelines Asset Qualifier Guidelines require Greater of - total loan amount + cash required to close + total monthly debts x XXX mo. + XXX months reserves OR $XXX in post-closing assets (only XXX remain after the required calculation). | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040029 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040029 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040214 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements XXX on XXX is stated on 1003. Preliminary CD in file, no evidence of closing. Cash out was used to purchase subject. |
Document Uploaded. ; Document Uploaded. | XXX | Proceeds from refinance and wire received. Condition cleared.; Thank you for providing the final settlement statement. Please provide evidence funds were received by the Borrower (or wired direct to closing) as required per section XXX of lender guidelines. Thank you.; Asset Record XXX Does Not Meet G/L Requirements XXX on XXX is stated on 1003. Preliminary CD in file, no evidence of closing. Cash out was used to purchase subject. |
XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040214 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Asset XXX Missing | Asset XXX Missing XXX on XXX is stated on 1003. Preliminary CD in file, no evidence of closing. Cash out was used to purchase subject. |
Document Uploaded. | XXX | Asset XXX Provided Or Not Applicable; Asset XXX Missing XXX on XXX is stated on 1003. Preliminary CD in file, no evidence of closing. Cash out was used to purchase subject. |
XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040214 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Lender's qualifying payment is $XXX, which is the loan amount amortized at the note rate over the XXX month term of the loan. Guidelines state that qualification should be at XXX months full PITIA. |
Document Uploaded. | XXX | Approval/Underwriting Summary is fully present; Material; Approval/Underwriting Summary Partially Provided. Lender's qualifying payment is XXX, which is the loan amount amortized at the note rate over the XXX month term of the loan. Guidelines state that qualification should be at XXX months full PITIA. |
XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040214 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Missing VVOE dated within XXX days consummation | Third party VOE is actually present, but undated. Several sources confirm the information, but none of them contain a print date within XXX days of closing. | Document Uploaded. | XXX | Reverification of Borrower's self employment received. Condition cleared. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040214 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040214 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040153 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Lender is using a lower monthly lability payment than what is showing on any of the credit reports. Please revise the 1008/XXX with the payments from the credit report or provide an explanation of why the liability should be excluded. | It does not meet our guidelines so we made an exception to our guidelines noted on the XXX.; Document Uploaded. ; Document Uploaded. ; Document Uploaded. ; there were liabilities on the credit report paid off, so when XXX was ran and liabilities were updated they were not included. DTI is accurate. a credit supp showing that the XXX has been paid off | XXX | Lender exception to excluded debt paid by third party with only XXX months of statements vs. XXX months required approved by investor on XXX; ; The XXX provided does not reflect an approved exception to use XXX months of statements vs. XXX months to exclude a co-signed debt. The XXX provided indicates XXX months were provided. Please provide the XXX you are referencing that is approving the exception to exclude the debt with XXX months of statements. Thank you.; The bank statements just provided are for the Borrower's business, XXX, and cannot be used to exclude debt (per Section XXX of guidelines, business debt appearing on credit will need to be included in the DTI). Please provide a full XXX months of bank statements from the primary debtor, XXX, as required per guidelines to confirm that individual was the only XXX making the XXX lease payments (only XXX months were provided in the loan file, the other XXX months came from an account that the Borrower is joint holder of and cannot be used). Thank you.; Based on the report dated XXX, the following debts are included in the DTI: XXX $XXX/mo;XXX $XXX/mo; XXX $XXX/mo; XXX $XXX/mo; XXX $XXX/mo; XXX $XXX/mo; XXX $XXX/mo; XXX $XXX/mo; XXX $XXX/mo totaling XXX/mo. Based on the XXX just provided, it appears that the XXX of $XXX was excluded, however, to exclude co-signed debt, XXX months of payments made by the primary debtor are required yet only XXX months were documented in the loan file (payments made out of XXX cannot be used since the Borrower is a joint holder on that account).; The XXX/supplement report attached is the same XXX/supplement report dated XXX that was in file and used at time of our review. Based on the XXX report provided, the other debt total is XXX vs. XXX used to qualify. If a more recent credit supplement date "after"XXX was pulled, please provide that report for review. Thank you.; Using the most recent credit report/supplement dated XXX and excluding the XXX installment loans with < XXX payments, the other debts total XXX yet only XXX in other debts were listed on the 1008 and used to qualify. If a more recent credit supplement date after XXX was pulled, please provide that report for review. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | B | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040153 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Documentation required to clear exception: Credit Score Disclosure (XXX) is missing. Provide Credit Score Disclosure (XXX). | Document Uploaded. | XXX | XXX Credit Score Disclosure is provided. | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | B | A | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040153 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040637 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. | Document Uploaded. | XXX | Payment history in file on page XXX. Condition rescinded.; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. | XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2026040637 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040637 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040254 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Provide 3rd Party VVOE dated within XXX days of the closing date. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040254 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Lenders negative cash flow does not match the PITI documents in the file. Please provide an explanation for the increase in negative cash flow for the subject property or revise the 1008/XXX and send for review. | Document Uploaded. | XXX | Approval/Underwriting Summary is fully present; Material | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | B | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040254 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040254 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040218 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Documentation required- Credit Score Disclosure (XXX) | Document Uploaded. | XXX | XXX Credit Score Disclosure is provided. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040218 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040218 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040009 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The Lender is using lease income for properties owned during the previous tax year. Per guidelines XXX Renal Income-rental income generated for properties owned during the previous tax year, must be calculated using the income from the XXX. Lease can be used at XXX% but only to wash the PITI. Not using the positive rental income created a DTI issue. | Pls review the XXX for XXX guides as it states Copy of Lease; XXX of lease can be used; Hi can you pls look at the XXX not the XXX? | XXX | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Per Section XXX of Lender Portfolio Guidelines (which includes the XXX), when utilizing lease agreements to document rental income, if the calculation results in positive income, then that income can only be used to wash the PITI. Eliminating the positive rental income increased the DTI to XXX%. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
D | A | C | A | C | A | A | A | D | A | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040009 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 2 Credit Report is Incomplete | Borrower 2 Credit Report is Partially Present. The origination credit report in the file is expired. The Lender obtained a full report on XXX. Please provide a copy of the full credit report obtained on XXX. | Document Uploaded. Hi, the XXX dated XXX is the XXX Report. Pls note that the loan closed XXX and the Original XXX is dated XXX which is only XXX days. This is invalid as required is XXX days | XXX | Only initial XXX report in file. XXX report provided during rebuttal process and is within XXX days. Condition was valid and resolved vs. rescinded. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
D | A | C | A | C | A | A | A | D | A | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040009 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The origination credit report in the file is expired. The Lender obtained a full report on XXX. Please provide a copy of the full credit report obtained on XXX. | Document Uploaded. Hi, the XXX dated XXX is the XXX Report. Pls note that the loan closed XXX and the Original XXX is dated XXX which is only XXX days. This is invalid as required is XXX days | XXX | Only initial XXX report in file. XXX report provided during rebuttal process and is within XXX days. Condition was valid and resolved vs. rescinded. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
D | A | C | A | C | A | A | A | D | A | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040009 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX: Missing Loan Estimate | Per the Tracking Disclosure, there's a revised XXX issued XXX sent to the borrower's but not in the loan file. | Document Uploaded. | XXX | Revised XXX provided; exception resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
D | A | D | A | C | A | A | A | D | A | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040009 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
D | A | A | A | C | A | A | A | D | A | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040261 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040261 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040261 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040183 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The file is missing the Note for the XXX-per XXX the loan type is XXX Advance Clause/Open XXX, please provide documentation that supports the loan type and payment. Please provide proof of HOA payment for the XXX. If there is no HOA payment, a signed note from the borrower is required stating there is no HOA payment. Per XXX the property is located in an XXX. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | XXX | XXX is free and clear. Prior $XXX loan was paid in full and released in XXX. Payment and mortgage included in DTI was an error and corrected 1003 received. Condition cleared.; Document Uploaded. ; Document Uploaded. ; The XXX report provided was dated XXX. Please clarify if the $XXX loan with a payment of XXX reflected on the signed final 1003 was accurate. If the final 1003 was incorrect, please provide a letter of explanation regarding the error, a current property report confirming the property is free and clear, and provide a corrected 1003. Thank you.; Thank you for providing the taxes and XXX dues for XXX, however, we are looking for the documentation to verify the mortgage of XXXwith a payment of XXX as reflected on the final 1003. Thank you.; We apologize for the confusion, please provide the documentation to verify the mortgage of XXX with a payment of XXX on the XXX as reflected on the final 1003 (documentation provided was for XXX). Thank you. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040183 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | XXX: Missing Loan Estimate | Per the tracking disclosure, the XXX issued XXX sent to the borrower was not included in the loan file. | Document Uploaded. | XXX | XXX dated XXX provided; exception resolved; XXX dated XXX provided; exception resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040183 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX required. cure package requires a PCCD, LOE, Copy of Refund Check , and proof of Delivery or revised XXX issued XXX. The Lender credit decreased on the CD issued XXX due to missing XXX issued XXX. | Document Uploaded. | XXX | Revised XXX provided; exception resolved; Revised XXX provided; exception resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040183 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check , and proof of Delivery or revised XXX issued XXX. The Discount points were added to the CD issued XXX without a valid reason. | Document Uploaded. | XXX | Revised XXX provided; exception resolved; Revised XXX provided; exception resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040183 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040275 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Rescinded | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of P&I and taxes for property located at XXX | Document Uploaded. | XXX | PITI documented in file on pages XXX, XXX, and XXX. Condition rescinded. | XXX | D | A | D | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2026040275 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | XXX: Missing Loan Estimate | There's no evidence of the Revised Loan Estimate issued XXX in the loan file. | Document Uploaded. | XXX | XXX provided; exception resolved | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040275 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040251 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX. Guidelines require a XXX FICO score for a loan above $XXX. XXX in the file cites this exception and approval is granted. | Audited FICO of XXX is less than Guideline FICO of XXX. Guidelines require a XXX FICO score for a loan above XXX. XXX in the file cites this exception and approval is granted. | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040251 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040251 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040265 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040265 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040265 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040103 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Per XXX is XXX Months Bank Statements. The file and Income Worksheet document it's a XXX Months Bank Statement loan. Please provide an updated XXX with the corrected XXX. | Document Uploaded. | XXX | CRSE reflecting XXX Month XXX received. Condition cleared.; Material | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | B | A | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040103 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited Loan Amount of $XXX is less than the Guideline Minimum Loan Amount of $XXX The file does not contain a Lender Exception approving the $XXX loan amount. The loan is not meet the minimum Loan Amount requirement. | Document Uploaded. | XXX | Lender exception for loan amount less than XXX approved by investor on XXX. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | B | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040103 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Compliance | XXX | This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The lender credit tolerance violation in the amount of $XXX is due to decrease of Lender Credit from $XXX to $XXX on the final CD dated XXX. $XXX of the total Lender credit was changed to a cure amount on the final CD. | Hi, Can you pls re-look at this as the Final CD has XXX as XXX not XXX |
XXX | Cure provided on final CD; Exception resolved; Cure provided on final CD; Exception resolved | XXX | C | B | C | A | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 2026040103 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040160 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040160 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040160 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040185 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Accounts ending in #XXX and #XXX only had XXX statements provided. Per lender's income calc worksheet - we should have XXX statements for #XXX and XXX for #XXX. Supporting documentation is required to correctly verify borrower's income. | Document Uploaded. Uploaded the #XXX XXX statement. I'm sorry for the prior duplicate!; Document Uploaded. Uploaded all bank stmts for #XXX and #XXX. | XXX | Income and Employment Meet Guidelines; Missing XXX statement for XXX (XXX received XXX). Please provide the XXX statement that supports XXX in gross deposits for review (income may need to be recalculated upon receipt). Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040185 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Accounts ending in #XXX and #XXX only had XXX statements provided. Per lender's income calc worksheet - we should have XXX statements for #XXX and XXX for #XXX. Supporting documentation is required to correctly verify borrower's income. | Uploaded missing bk stmts to other finding. DTI is < XXX% once you include the add'l income. | XXX | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040185 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower does not meet residual income requirement | Residual income of $XXX does not meet guideline minimum of $XXX. The borrower's income has not been adequately verified due to missing bank statements. | Uploaded missing bank stmts. Once you are able to add the add'l income the residual income will meet guides. | XXX | Residual Income meets guideline minimum. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040185 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The final 1003 includes a property at XXX as a XXX. The file also contains an underwriter note stating that the property does not in fact belong to the borrower. An XXX report is needed to ascertain to whom the property belongs. | Document Uploaded. The XXX report (pg XXX) in the file shows XXX is XXX in the name of an XXX - XXX. I have uploaded a XXX report for this LLC that does not show our borr is the owner of that LLC. And additionally, if a property is owned in the name name of a business, it would not need to be included in the DTI as well. | XXX | The Final 1003 is Present | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040185 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Verification of Borrower Liabilities Missing or Incomplete | The XXX taxes for the property at XXX have not been verified, nor has the hazard coverage (if any) on any of the XXX. Ownership of the property on XXX is subject to verification and may add additional carrying costs to the borrower's debt load. | Document Uploaded. XXX, XXX, and XXX have been removed from the 1003. These properties are not owned XXX by the borrower. XXX is owned by an XXX owned by the borrower's XXX. See XXX report. XXX and XXX are owned by an XXX. See the property report and tax bill reflecting the LLC names. Properties owned by a business should not have been listed on the 1003. See updated 1008/1003. | XXX | XXX, XXX, and XXX are not owned by the Borrower personally and are in the name of an LLC. Updated 1003 received removing the properties. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040185 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040185 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040032 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The credit report dated XXX is missing from the file. Please provide the full credit report dated XXX for review. | Document Uploaded. | XXX | Borrower 1 Credit Report is not partially present. | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040032 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040032 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040227 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX: Missing Loan Estimate | There's no evidence of the revised XXX issued XXX in the loan file. | Document Uploaded. ; Document Uploaded. | XXX | Revised XXX provided; exception resolved; Documentation provided did not contain the XXX dated XXX | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
D | A | D | A | A | A | A | A | D | A | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040227 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The loan failed charges that cannot increase test. XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or initial CD. The Discount points were added to the CD issued XXX; however, the XXX will not take due to missing initial CD (timing). | Document Uploaded. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
D | A | C | A | A | A | A | A | D | A | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040227 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. There's no evidence of the initial CD issued XXX in the loan file. the earliest completed CD in file is issued XXX. | Document Uploaded. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
D | A | C | A | A | A | A | A | D | A | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040227 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
D | A | A | A | A | A | A | A | D | A | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040227 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
D | A | A | A | A | A | A | A | D | A | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040339 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Rent free is not allowed if self-employed for less than XXX years. Lender approved the exception as the borrower has been self-employed for XXX year, XXX months, the LTV is only XXX% and the borrower has a strong credit profile. | Housing History Does Not Meet Guideline Requirements Rent free is not allowed if self-employed for less than XXX years. Lender approved the exception as the borrower has been self-employed for XXX year, XXX months, the LTV is only XXX% and the borrower has a strong credit profile. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040339 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040339 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040614 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of refund Check, or valid XXX. The lender credit tolerance is due to decrease Credit from $XXX to $XXX from CD XXX to CD XXX for credit report fee. | Document Uploaded. | XXX | Valid XXX provided; exception resolved; Valid XXX provided; exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | B | A | A | A | C | A | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040614 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Provide a copy of the Final 1008. | Document Uploaded. | XXX | Approval/Underwriting Summary is fully present; Material | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | B | A | B | A | A | A | C | A | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040614 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | A | A | B | A | A | A | C | A | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040120 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% Compensating factors include: DTI is XXX% housing and XXX% total, borrower with same business for XXX years, monthly housing expense is changing -XXX monthly, qualifying payment shock is -XXX%, verified reserves are XXX. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | B | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||
| 2026040120 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% Compensating factors include: DTI is XXX% housing and XXX% total, borrower with same business for XXX years, monthly housing expense is changing -XXX monthly, qualifying payment shock is -XXX%, verified reserves are XXX. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | B | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||
| 2026040120 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% Guidelines require a max LTV of XXX% with a FICO of XXX. XXX in the file cites this exception and approval is granted. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | B | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||
| 2026040120 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. There are XXX NSF/Overdrafts for the borrowers income account with no explanation in the file. Guidelines state "NSF and overdraft activity must be reviewed for acceptability;" The CRSE nor the 1008 state that the Overdrafts have been reviewed for Acceptability. | Document Uploaded. | XXX | XXX received confirming Overdraft/NSF count within tolerance. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | A | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040120 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Documentation required: Provide Notice to XXX Applicant regarding use of credit. | Document Uploaded. | XXX | XXX Credit Score Disclosure is provided. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | B | A | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040120 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Credit comparison indicates a credit report was produced on XXX, but is not in the file. Please provide a copy of the credit report dated XXX for review. | Document Uploaded. | XXX | Borrower XXX Credit Report is not partially present. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | A | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040120 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | Downgraded to Level XXX, XXX compliant. This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | XXX Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040120 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040139 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040139 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040139 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040274 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The wife of the borrower has a gift letter in the file. This is not required as she is on title and the spouse of the borrower. The funds have been received, however they have not been sourced. Please provide documentation for the source of the $XXX that were deposited into XXX from XXX | Document Uploaded. See XXX with exception.; Document Uploaded. | XXX | Lender exception for not sourcing initial $XXX deposit from XXX approved by investor on XXX; Per Section XXX of lender guidelines, funds from a spouse will not be considered a gift and must be sourced and seasoned like Borrower's own funds. Please provide the XXX day statement for XXX used for the initial $XXX wire to the XXX on XXX. Thank you. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040274 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040274 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040682 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040682 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040682 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040281 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | Please provide a signed Purchase Contract Extension to XXX. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040281 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Disclosure required: Provide Notice to Home Loan Applicant for Credit Score. | Document Uploaded. | XXX | XXX Credit Score Disclosure is provided. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040281 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Credit comparison lists a credit report dated XXX but the document is not in the file. Please provide the credit report dated XXX for review. | Document Uploaded. | XXX | Borrower 1 Credit Report is not partially present. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040281 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX Compliant This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | XXX Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040281 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040076 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset XXX Does Not Meet Guideline Requirements The borrower is closing a XXX with this XXX transaction. The final CD is missing to verify the available funds at closing to verify sufficient assets for reserves. | Document Uploaded. ; Hey. If the CD missing is for loan ending XXX loan did not close and I upld the statement of XXX. thanks | XXX | Final signed Settlement Statement confirming net proceeds of XXX received. Condition cleared.; The XXX did close. The loan number is XXX for XXX. Please provide the final signed CD/Disbursement for the XXX/XXX (we are unable to take documentation from one file and upload it into another). Thank you. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040076 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing legal documents for senior or subordinate lien | Missing Note/Terms for the XXX loan with Lender #XXX. | Document Uploaded. ; Document Uploaded. Hey. is this acceptable? thanks ; Hey. Loan did not close. thank you | XXX | Note for XXX XXX received. Condition cleared.; The Statement of XXX just provided was for XXX. It appears the loan number of XXX for the XXX XXX on the final 1003 was incorrect. Please provide the Note for the simultaneous XXX XXX on the subject for $XXX. Thank you.; Documentation from the XXX/XXX is required to confirm loan was not closed. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040076 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Provide a 3rd Party VVOE dated within XXX calendar days of the closing date. | Document Uploaded. ; Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided; The document uploaded was distorted and does not show the full business information. In addition, the date this information was pulled - must be outlined on the document for verification. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040076 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Disclosure required: Provide Notice to Home Loan Application for Credit Score. | Document Uploaded. | XXX | XXX Credit Score Disclosure is provided. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040076 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The origination credit report is missing. The Lender obtained a full credit report on XXX. Provide a copy of the full credit dated XXX for additional review. | Document Uploaded. | XXX | Borrower 1 Credit Report is not partially present. Credit report was provided. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040076 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | A | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040589 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to increase in the Appraisal Fee and the Final Inspection Fee that increased on the XXX issued XXX without a valid reason (using clear capital is not a valid reason for the increase). | The fee stayed at $XXX here as shown in the XXX. Is there a place I am missing that shows the extra $XXX? ; The appraisal wasn’t ordered until late XXX. In order to disclose the appraisal/final inspection fees prior to, they were over-disclosed and then decreased to the correct amount on the CDs. XXX is required, and this is more expensive than the typical appraisals. Please advise. Thank you! |
XXX | Increase due to construction, initial XXX confirmed the required verbiage that the XXX can change at any point up to XXX days prior to consummation; Updated cure amount to $XXX The cost increased to $XXX on XXX without a valid XXX in file; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040589 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040589 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040267 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The final 1003 reflects proposed monthly payments of $XXX for XXX (XXX), and $XXX for XXX, XXX (XXX), both XXX scheduled to close simultaneously; however, the monthly housing expenses for both properties could not be verified. Please provide documentation to support and confirm the proposed housing payments. | Document Uploaded. | XXX | XXX documentation for XXX closings received. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040267 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Expired | Borrower 1 Credit Report is Expired (Greater than XXX days from the Closing Date). The origination credit report dated XXX exceeds XXX days from the XXX Note date. | Document Uploaded. | XXX | Borrower 1 Credit Report is not Expired. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040267 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040267 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040305 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040305 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040305 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040306 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040306 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040306 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040197 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% The maximum HLTV for a Rate/Term Refinance with loan amount of $XXX and a credit score of XXX is XXX%. The qualifying HLTV of XXX% exceeds the Guideline maximum. The file contains no evidence of a Lender Approved Exception. | Lender exception for XXX LTV/CLTV/HCTLV approved by investor on XXX; Document Uploaded. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | B | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040197 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% The maximum LTV for a Rate/Term Refinance with loan amount of $XXX and a credit score of XXX is XXX%. The qualifying LTV of XXX% exceeds the Guideline maximum. The file contains no evidence of a Lender Approved Exception. | Lender exception for XXX LTV/CLTV/HCTLV approved by investor on XXX; Document Uploaded. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | B | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040197 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% The maximum CLTV for a Rate/Term Refinance with loan amount of $XXX and a credit score of XXX is XXX%. The qualifying CLTV of XXX% exceeds the Guideline maximum. The file contains no evidence of a Lender Approved Exception. | Document Uploaded. The attached should clear all open conditions, thanks | XXX | Lender exception for XXX LTV/CLTV/HCTLV approved by investor on XXX | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | B | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040197 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Please provide Credit Score Disclosure (XXX).. | Document Uploaded. | XXX | XXX Credit Score Disclosure is provided. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | B | A | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040197 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The origination credit report is missing. The Lender obtained a full credit report on XXX. Provide a copy of the full credit report dated XXX for review. | Document Uploaded. | XXX | Borrower 1 Credit Report is not partially present. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | A | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040197 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | A | A | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040661 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The origination credit report is missing. Credit comparison shows a credit report dated XXX but it is not in the file. Please provide the credit report dated XXX for review. | Document Uploaded. | XXX | Borrower 1 Credit Report is not partially present. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040661 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040661 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040221 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Borrower 1 CPA Letter Missing | Borrower 1 CPA Letter Missing Guidelines require a CPA letter confirming percentage of ownership. | Document Uploaded. ; Document Uploaded. shows borrowr as XXX; Because the borrower is XXX% owner of the business confirmed via XXX, the XXX is not required per the XXX. | XXX | Lender exception for letter not provided confirming percentage of ownership approved by investor on XXX.; The Borrower's business is XXX and Borrower indicated they were only XXX% owner and XXX in file shows formation date of XXX. The document provided is for XXX XXX listing the Borrower as XXX opening XXX. The document provided does not appear to be for the same business that was used to qualify. Please provide a CPA letter confirming Borrower is XXX% owner of XXX; Lender matrix indicates a CPA letter is required to confirm percentage of ownership. XXX in file does not reflect the percentage of ownership for each XXX. Please provide documentation to support the Borrower is XXX% owner of the business. Thank you. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | D | B | D | B | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2026040221 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Excessive Cash-Out on a Limited Cash-Out Refinance | Per Guidelines the maximum cash-out is XXX% of the loan amount or $XXX, whichever is greater. XXX% of the loan amount is $XXX. The borrower received $XXX back at funding, with no deposit made prior to closing. The cash-out exceeds the guideline maximum allowed. | Document Uploaded. | XXX | Lender exception for cash back greater than XXX% on a rate/term refinance approved by investor on XXX. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | C | B | D | B | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2026040221 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of refund Check, or Valid XXX .The tolerance is due to increased Credit Report fee from $XXX to $XXX on the final CD dated XXX. XXX in file dated XXX does not state a valid reason ("Credit Report Fee increased") for the fee increase. Please provide a valid XXX or cure package. | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | C | B | D | B | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2026040221 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | A | A | D | B | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |||
| 2026040170 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The Purchase Contract expired prior to the loan closing date. Please provide a seller signed Acceptance of the Extension of XXX No. XXX. | Document Uploaded. ; Document Uploaded. | XXX | Signed contract extension to XXX received. Condition cleared.; XXX just provided extends to XXX, however, loan closed XXX. Please provide a signed purchase contract extension to XXX. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040170 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Provide proof the gift funds in the amount of XXX and XXX were given to the closing agent. | Document Uploaded. ; Document Uploaded. | XXX | Gift wires of $XXX and $XXX sent to Settlement Agent received. Asset Qualification Meets Guideline Requirements. Condition cleared.; Thank you for providing the wire of $XXX from XXX ur to the XXX. We still need the wire of $XXX from XXX to the XXX. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040170 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Asset XXX Expired | Asset XXX Expired The last statement in file is dated XXX and is for the XXX of XXX. Assets may be up to XXX days old as of the note date. This statement is XXX days prior to the note date. Please provide a current statement dated within XXX days of the Note. date. | Updated asset documented in file on page XXX was not expired. Condition rescinded.; Asset XXX Not Expired Or Not Applicable | XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 2026040170 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements The last statement in file is dated XXX and is for the XXX of XXX. Assets may be up to XXX days old as of the note date. This statement is XXX days prior to the note date. Please provide a current statement dated within XXX days of the Note. date. | can you please advise which account you are referring to as I only show XXX. thanks | XXX | Updated statement on page XXX. Condition rescinded. | XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2026040170 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The origination credit report is missing. The Lender obtained a full credit report on XXX. Provide the full credit report dated XXX for review. | Document Uploaded. | XXX | Borrower 1 Credit Report is not partially present. | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040170 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040170 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040332 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. The bank statements reflect the borrower has Overdraft/NSFs. The 1008 or XXX does not reflect that the Overdrafts/NSFs have been reviewed and acceptable. Provide proof updated documentation to verify that the Overdrafts/NSF are Acceptable. | Document Uploaded. | XXX | Revised 1008 and/or XXX received confirming Overdrafts/NSFs were reviewed for acceptability. Overdraft/NSF count within tolerance. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040332 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The origination credit report is missing. The Lender obtained a full credit report on XXX. Please provide a copy of the full credit report dated XXX for review. | Document Uploaded. | XXX | Borrower 1 Credit Report is not partially present. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040332 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040332 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040146 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040146 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040146 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040618 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements The applicable Guidelines allow no XXX-day consumer late payments in last XXX months. The loan file contained an Undisclosed Debt Notifications Report, dated XXX, showing the Borrower was XXX days delinquent on their XXX. The file contains no evidence of a Lender Approved Exception for this Guideline violation. | Document Uploaded. | XXX | Credit Exception provided by client. "The applicable Guidelines allow no XXX-day consumer late payments in last XXX months. The loan file contained an Undisclosed Debt Notifications Report, dated XXX, showing the Borrower was XXX days delinquent on their C" Comp factors listed credit score XXX, payments decreasing, payment shock and reserves. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040618 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to XXX. | XXX Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040618 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040670 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The Note rate on the 1008 and XXX reflects XXX% Per the Note the rate is XXX%. Please provide a 1008 and XXX that has the corrected Note rate and P&I payment to reflect the correct DTI calculations. | Document Uploaded. | XXX | Approval/Underwriting Summary is fully present; Material | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | B | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040670 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements Per guideline matrix, no collections/charge-offs/judgments within the past XXX months. Borrower has a collection dated XXX | Document Uploaded. | XXX | Lender exception for collection within XXX months approved by investor on XXX. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040670 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040670 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040034 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040034 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040034 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040681 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | XXX required; A refund in the amount of $XXX, cure package: PCCD with LOE, copy of refund and proof of delivery. The Transfer taxes increased on the LE issued XXXwithout a valid reason. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. ; Document Uploaded. Pls note that this is not a XXX Violation as the XXX increased due to interest rate changed and the XXX clearly states transfer taxes updated due to those reasons. Pls escalate this, thanks | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX; The XXX did not provide a valid reason for the transfer taxes to increase | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040681 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040681 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040328 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040328 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040328 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040665 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of HOA payment for the XXX (XXX) rental properties on XXX. The file contains an HOA statement that is not specific for which property the statement is for. The XXX reflects that both properties are in HOAs. | XXX are in the same XXX so that is the XXX per property | XXX | XXX XXX statement in file on page XXX matches XXX in XXX reports for XXX and are in the same complex (see page XXX and XXX). Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040665 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Lender did not include the mortgage payment for the XXX as a liability. Please revise the 1008 and XXX to included the PITIA for the XXX and send for review. | Document Uploaded. | XXX | Approval/Underwriting Summary is fully present; Material | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | B | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040665 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The DTI is XXX%. The file is missing proof of the rental income the was used by the Lender. Please provide proof of the rental income for additional review. | Document Uploaded. | XXX | Audited DTI of % is less than or equal to Guideline DTI of XXX%; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040665 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | Loan closed on XXX and purchase contract expired on XXX. Documentation to support the extension is required. | it is unnecessary. Ready XXX of the contract. |
XXX | Lender confirmed contract extension not required. XXX of contract has a XXX day extension. Condition cleared.; Material | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | B | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040665 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040665 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040292 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 2026040292 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 2026040292 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 2026040355 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Acknowledged | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | Loan closed on XXX and purchase contract expired on XXX. Documentation to support the extension is required. | Document Uploaded. | XXX | Lender exception for not obtaining purchase contract extension approved on XXX; Material | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | B | B | D | B | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040355 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Documentation required to clear exception: Please provide the Credit Score Disclosure (XXX) | Document Uploaded. | XXX | XXX Credit Score Disclosure is provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | B | A | D | B | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040355 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Please provide all credit reports for borrower | Document Uploaded. | XXX | Borrower 1 Credit Report is not missing. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | D | A | D | B | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040355 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Borrower 2 Credit Report is Missing | Borrower 2 Credit Report is Missing. Please provide all credit reports for borrower | Document Uploaded. | XXX | Borrower 2 Credit Report is not missing. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | D | A | D | B | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040355 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | A | A | D | B | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040226 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Payment shock exceeds guideline | Payment shock of XXX% exceeds the lender guidelines tolerance for payment shock. Payment shock of XXX% exceeds the allowed payment shock. XXX in the file cites this exception and approval is granted. | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | B | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |||||
| 2026040226 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete Please provide a signed copy of the Purchase Contract Addendum, increasing the sales price to $XXX | Document Uploaded. ; Document Uploaded. See page XXX section XXX | XXX | Purchase Contract Doc is complete.; Section XXX of the contract in file and attached is referencing "insurance coverage" of XXX vs. agreed upon sales price of XXX. Please provide a copy of the signed purchase addendum increasing the agreed upon sales price from $XXX to $XXX. Thank you.; Material | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | B | A | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2026040226 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |||
| 2026040226 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to increase of the appraisal fee from $XXX to $XXX on the CD dated XXX without valid XXX. XXX dated XXX does not provide a reason for fee increase. | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | B | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2026040226 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Flood Insurance Effective Date is after the Disbursement Date | XXX Effective Date of XXX is after the Disbursement Date of XXX Please provide documentation showing XXX was in place at the time of disbursement. | Document Uploaded. | XXX | Flood Insurance Effective Date of XXX is prior to or equal to the Disbursement Date of XXX Or Flood Insurance Effective Date Is Not Provided | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | A | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2026040226 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |||
| 2026040341 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Acknowledged | XXX | Property | HOA Does Not Meet Guidelines | HOA Does Not Meet Guidelines The XXX is reporting HOA dues delinquency of XXX%. The max allowable is XXX% The XXX has an exception to approved on XXX by the Lender. | XXX Does Not Meet Guidelines The XXX is reporting XXX dues delinquency of XXX%. The max allowable is XXX% The XXX has an exception to approved on XXX by the Lender. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||
| 2026040341 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The XXX is incomplete. Please provide an updated XXX that lists the Total Gross Income for review. | Document Uploaded. This is the loan with XXX bwers. XXX bwer has no income, XXX bwer has all income. crse upld; Document Uploaded. | XXX | Approval/Underwriting Summary is fully present; The XXX provided does not reflect any income. Original condition: The XXX is incomplete. Please provide an updated XXX that lists the Total Gross Income for review.; Material | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | B | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |
| 2026040341 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of HOA payment for XXX on XXX and XXX. If there is no HOA, please provide a signed statement from the borrower stating there is no HOA. | Document Uploaded. | XXX | XXX dues for XXX XXX received. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |
| 2026040341 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | A | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||
| 2026040344 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX: Missing Loan Estimate | Per the Disclosure tracker, there's a loan estimate issued XXX missing from the loan file. | Document Uploaded. | XXX | XXX provided; exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | A | A | A | A | D | A | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040344 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | A | A | A | A | D | A | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040344 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | A | A | A | A | D | A | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040212 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The Guidelines require XXX years self-employment in order to qualify a Borrower using the XXX . In addition, the Guidelines require at least one income qualifying Borrower be employed for XXX or more years. The subject Borrower has not been self-employed for at least XXX years and has not been employed for the most recent XXX-year period. The Lender approved the Borrower based on the following compensating factors: | Income and Employment Do Not Meet Guidelines The Guidelines require XXX years self-employment in order to qualify a Borrower using the XXX. In addition, the Guidelines require at least one income qualifying Borrower be employed for XXX or more years. The subject Borrower has not been self-employed for at least XXX years and has not been employed for the most recent XXX-year period. The Lender approved the Borrower based on the following compensating factors: | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | C | B | D | B | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |||
| 2026040212 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). XXX required: A refund in the amount of $XXX, cure package: PCCD with LOE, copy of refund and proof of delivery. The Title fees increased/were added on the CD's issued XXX and XXX without valid reasons. | Document Uploaded. ; The Recording Fees did not change from the XXX to the Final CD ; Document Uploaded. The attached XXX was sent with final CD and clearly shows the changes. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX; The XXX does not contain a valid reason for any fees to increase. Refund in the amount of XXX, cure package: PCCD with XXX, copy of refund and proof of delivery. The Title fees increased/were added on the CD's issued XXX and XXX without valid reasons. The fees included in the XXX% tolerance were:: Title Commitment, Title Doc Prep, Title E Recording, Title Processing, XXX - settlement ; The XXX provided did not contain a valid reason for the recording fees to increase, please provide clarification or a cure package | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | C | B | D | B | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2026040212 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements The Guidelines require XXX months seasoning from the filing date for a XXX XXX. The loan file contains a copy of the Borrower's XXX XXX discharge document reflecting a filing date of XXX, which is less than XXX months seasoned. The borrower's Delinquent Credit History does not meet the Lender Guidelines. | Document Uploaded. | XXX | XXX filed XXX per credit report and discharge filed XXX. XXX goes by filing date. Delinquent Credit History Meets Guideline Requirements. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | D | B | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2026040212 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. The loan file does not contain the Borrower 1 Origination Credit Report. Please provide the Borrower 1 Origination Credit Report. | Document Uploaded. | XXX | Borrower 1 Credit Report is not missing. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | D | A | D | B | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2026040212 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The loan file does not contain the Origination Credit Report. Please provide the Origination Credit Report. | Document Uploaded. | XXX | Housing History Meets Guideline Requirements | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | D | B | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2026040212 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Tradelines do not meet Guideline Requirements | The lender’s minimum tradeline requirements have not been met per guidelines. The loan file does not contain the Origination Credit Report. Please provide the Origination Credit Report. | Document Uploaded. | XXX | Tradelines meet Guideline Requirements | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | D | B | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 2026040212 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | A | A | D | B | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |||
| 2026040393 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Lenders 1008 is using a P&I payment that is incorrect. The guidelines state a XXX to be qualified at the Note Rate. Please provide a corrected 1008 & XXX that reflects the corrected P&I payment and DTI. | Document Uploaded. ; Document Uploaded. | XXX | Approval/Underwriting Summary is fully present; Revised 1008 and XXX received reflects a XXX payment of XXX with a qualifying rate of XXX%. Per Lender guidelines, XXX are qualified at the Note rate. Note reflects a rate of XXX% and a XXX payment of XXX. Please provide a corrected 1008 and XXX that matches the Note. Thank you.; Material | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
B | A | B | A | B | A | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040393 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
B | A | A | A | B | A | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040393 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
B | A | A | A | B | A | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040389 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | Please provide a signed Purchase Contract Extension to XXX. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040389 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing proof of the $XXX gift funds were delivered to the closing agent. Provide a copy of the certified check, a cashier's check, money order or wire transfer. | Document Uploaded. | XXX | XXX gift wire to closing received. Asset Qualification Meets Guideline Requirements. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040389 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Please provide all credit reports pertinent to the file for review. | Document Uploaded. | XXX | Borrower 1 Credit Report is not missing. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040389 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements Please provide all credit reports pertinent to the file for review. | Document Uploaded. | XXX | Delinquent Credit History Meets Guideline Requirements | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040389 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Tradelines do not meet Guideline Requirements | The lender’s minimum tradeline requirements have not been met per guidelines. Please provide all credit reports pertinent to the file for review. | Document Uploaded. | XXX | Tradelines meet Guideline Requirements; The lender’s minimum tradeline requirements have not been met per guidelines. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040389 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | XXX Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040389 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040679 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% The XXX% CLTV requires a XXX credit score per guidelines. CRSE exception in file approved by Lender on XXX. Exception Type-Other, Guideline-Max LTV: XXX%-XXX, Actual LTV XXX%. Rationale-XXX point credit score exception granted to go up to XXX% LTV. Borrower has XXX months in reserves & strong residual income and low DTI. | Audited LTV of XXX% exceeds Guideline LTV of XXX% The XXX% LTV requires a XXX credit score per guidelines. XXX exception in file approved by Lender on XXX. Exception Type-Other, Guideline-Max LTV: XXX, Actual LTV XXX. Rationale-XXX point credit score exception granted to go up to XXX% LTV. Borrower has XXX months in reserves & strong residual income and low DTI. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040679 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% The XXX% HLTV requires a XXX credit score per guidelines. XXX exception in file approved by Lender on XXX. Exception Type-Other, Guideline-Max LTV: XXX%-XXX, Actual LTV XXX%. Rationale-XXX point credit score exception granted to go up to XXX% LTV. Borrower has XXX months in reserves & strong residual income and low DTI. | Audited LTV of XXX% exceeds Guideline LTV of XXX% The XXX% LTV requires a XXX credit score per guidelines. XXX exception in file approved by Lender on XXX. Exception Type-Other, Guideline-Max LTV: XXX, Actual LTV XXX. Rationale-XXX point credit score exception granted to go up to XXX LTV. Borrower has XXX months in reserves & strong residual income and low DTI. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040679 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% The XXX% LTV requires a XXX credit score per guidelines. XXX exception in file approved by Lender on XXX. Exception Type-Other, Guideline-Max LTV: XXX%-XXX, Actual LTV XXX%. Rationale-XXX point credit score exception granted to go up to XXX% LTV. Borrower has XXX months in reserves & strong residual income and low DTI. | Audited LTV of XXX% exceeds Guideline LTV of XXX% The XXX% LTV requires a XXX credit score per guidelines. XXX exception in file approved by Lender on XXX. Exception Type-Other, Guideline-Max LTV: XXX%, Actual LTV XXX%. Rationale-XXX point credit score exception granted to go up to XXX% LTV. Borrower has XXX months in reserves & strong residual income and low DTI. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040679 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX compliant This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | XXX Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040679 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040638 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).XXX required. Refund in the amount 0f $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of $XXX due to the increase of the appraisal fee from $XXX to $XXX on the XXX dated XXX and the increase of the XXX fee from $XXX to $XXX on the CD dated XXX without valid XXX. | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | B | B | A | A | A | C | B | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040638 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The 1008 and CRSE reflect the Note rate is XXX% and the final DTI is XXX%. The actual Note rate is XXX% Please provide a corrected 1008 and XXX that reflect the correct Note rate of XXX% and the updated DTI figures for review. | Document Uploaded. ; Document Uploaded. | XXX | Approval/Underwriting Summary is fully present; Revised 1008 and XXX received is a duplicate to what is in the file. Please provide corrected 1008 and XXX reflecting accurate qualifying PITI (per matrix, XXX year XXX loans are qualified using note rate at XXX year amortization).; Material | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | B | A | B | A | A | A | C | B | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040638 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. Documentation required to clear exception: The initial CD dated XXX is missing from the loan file (per disclosure tracking). The earliest CD in the loan file was issued on XXX with consummation date of XXX. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation date. | Document Uploaded. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | A | B | A | A | A | C | B | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040638 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | B | A | A | A | C | B | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040031 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation date of XXX. | Document Uploaded. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040031 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040031 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040431 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, and Copy of Refund check and Proof of Delivery or Valid XXX. The XXX tolerance in the amount of $XXX is due to an increase in the Appraisal fee from $XXX to $XXXon CD XXX. XXX in file references the appraisal fee but does not provide a reason for the increase. The appraisal invoice in file dated XXX states the increase was due to "fee escalation", however the re-disclosure with the correct appraisal fee amount was XXXand not within XXX days of the date of the invoice. | Document Uploaded. ; Hi, did you review the Lender Credit that increased? | XXX | Cure package provided to borrower within XXX days of discovery. Exception downgraded to XXX.; Cure package provided to borrower within XXX days of discovery. Exception downgraded to XXX.; Yes the Lender credit increased but without including on the CD that a portion of the Lender credit was for a cure, with the cure verbiage, no portion of the XXX would be automatically applied to a tolerance violation. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040431 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Compliance | XXX Post-Consummation Revised Closing Disclosure Date and Consummation Date Validation Test | This loan failed the XXX post-consummation revised closing date and consummation date validation test.This loan contains a post-consummation revised closing disclosure delivery date that is before the consummation date, or closing/settlement date if consummation date was not provided. Please review the loan data to ensure the dates are in the correct fields. This loan failed the XXX post-consummation revised closing date and consummation date validation test.This loan contains a post-consummation revised closing disclosure delivery date that is before the consummation date, or closing/settlement date if consummation date was not provided. Please review the loan data to ensure the dates are in the correct fields. Invalid exception - exception rescinded Invalid exception - exception rescinded | XXX | C | B | C | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||
| 2026040431 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Compliance | XXX Disclosure Delivery Date Validation Test | This loan failed the XXX disclosure delivery date validation test.The loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate.A revised closing disclosure is before the initial closing disclosure.A closing disclosure delivery date is on or before a loan estimate delivery date.A post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. This loan failed the XXX disclosure delivery date validation test.The loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate.A revised closing disclosure is before the initial closing disclosure.A closing disclosure delivery date is on or before a loan estimate delivery date.A post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. Invalid exception - exception rescinded Invalid exception - exception rescinded | XXX | C | B | C | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||||
| 2026040431 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040431 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040259 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Guidelines require a CPA letter stating the actual expense ratio when less than XXX% is used to qualify the income. The Lender used XXX%. Please provide a CPA letter stating the expense ratio of the company. | Document Uploaded. | XXX | Updated XXX letter received confirming an expense factor of XXX%. Lender used a XXX% expense factor to qualify. No change made to income. Income and Employment Meet Guidelines. Condition cleared.; XXX letter provided confirms "ownership interest" of XXX%, however, the letter does not confirm the XXX% "expense factor" used to qualify. Per guidelines, when an expense factor of <XXX% is used, a XXX letter is required to confirm the lower amount. Please provide the XXX letter confirming the XXX% "expense factor". Thank you.; Document Uploaded. Client provided a copy of the XXX letter (which was available in the loan image). | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040259 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXXRequired. Refund in the amount of $XXX, cure package requires a PCCD, LOE, and Copy of refund Check , or Valid XXX. The XXX tolerance in the amount of $XXX is due to an increase in the Credit Report Fee from $XXX to $XXX on CD XXX. XXX in file does not detail reason for Credit Report fee increase. | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | B | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040259 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040593 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | Need a contract extension to show loan was allowed to close on XXX | Document Uploaded. | XXX | Signed purchase contract extension to XXX received. Condition cleared.; Material Finding | XXX | Borrower has stable job time - Borrower has XXX years on job. | B | A | B | A | B | A | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040593 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | B | A | A | A | B | A | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040593 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | B | A | A | A | B | A | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040257 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The Credit Risk Summary & Exception Approval is missing. Please provide a copy of the Credit Risk Summary & Exception Approval report for review. | Document Uploaded. | XXX | Approval/Underwriting Summary is fully present; Material Finding | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
B | A | B | A | B | A | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040257 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
B | A | A | A | B | A | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040257 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
B | A | A | A | B | A | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040371 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Please provide all borrowers credit reports for review. | Document Uploaded. Uploaded credit report. | XXX | Borrower 1 Credit Report is not missing. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040371 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements Please provide all borrowers credit reports for review. | Uploaded credit report to other finding. | XXX | Delinquent Credit History Meets Guideline Requirements | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040371 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Tradelines do not meet Guideline Requirements | The lender’s minimum tradeline requirements have not been met per guidelines. Please provide all borrowers credit reports for review. | Uploaded credit report to other finding. | XXX | Tradelines meet Guideline Requirements | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040371 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040371 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040380 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Borrower 2 XXX Identification Document Missing | XXX Borrower 2 is missing Identification Document. Please provide a copy of a valid XXX or other proof of legal residency. | Document Uploaded. Uploaded XXX - exception. Only have front of card (the most important side!) :); Document Uploaded. Uploaded B2's XXX. | XXX | XXX was provided to acknowledge the use of the front of the XXX only. Grade level was information only - no changes. ; Lender guidelines require a copy of the front and back of the XXX, only a copy of the front of the XXX received. Please provide a copy of the back of the card. Thank you. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040380 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of HOA dues or a signed statement from the borrower that there are no HOA dues for property at XXX. | Document Uploaded. Added $XXX/mo XXX dues for XXX. Uploaded proof of dues, 1008, 1003, XXX. | XXX | XXX dues for XXX received. Condition cleared. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040380 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements The Lender does not allow any collection account in the past XXX months. The XXX collection account last reportedXXX with a balance of $XXX. This account was opened XXX. The collection account does meet the Lender's Credit History requirement. | XXX is a XXX. This collection is dated XXX therefore went into collection > XXX months ago. Meets guidelines. | XXX | Collection opened more than XXX months prior to note date. Condition rescinded. | XXX | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2026040380 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040380 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040684 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040684 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040684 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040686 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040686 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040686 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040348 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Qualifying Credit Score does not meet eligibility requirement(s) | Lenders XXX shows a credit score of XXX which would not allow a XXX% LTV. The credit report in the file has a mid score of XXX which does allow for a LTV of XXX%. | Document Uploaded. Pls note the Exception was already grant, this can still be cleared? | XXX | Min XXX FICO reflected on credit and final XXX which meets the min FICO required for XXX%. Client had an exception in the loan image that was deemed invalid. Condition rescinded. | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2026040348 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | XXX is compliant and allowed per lender's guidelines; therefore, downgraded to XXX. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Code.While the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | XXX Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040348 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX is compliant and allowed per lender's guidelines; therefore, downgraded to XXX. This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | XXX Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040348 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040387 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Regulation § 1026.43(c)(2)(vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. | Regulation § 1026.43(c)(2)(vi) failure - The consumer's current debt obligations, XXX, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. Missing credit report | Regulation § 1026.43(c)(2)(vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines.; Document Uploaded. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040387 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited FICO is less than Guideline FICO | Audited FICO of is less than Guideline FICO of XXX. Missing credit report | Audited FICO of XXX is greater than or equal to Guideline FICO of XXX | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040387 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Missing credit report | Document Uploaded. This should clear all the other conditions | XXX | Borrower 1 Credit Report is not missing. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040387 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements Missing credit report | Delinquent Credit History Meets Guideline Requirements; Document Uploaded. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040387 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing credit report | Housing History Meets Guideline Requirements; Document Uploaded. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040387 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | A | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040387 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | A | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040345 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Property Title Issue | Property Title Issue-Need proof that judgment file on XXX will be removed from final XXX - Item # XXX | Document Uploaded. | XXX | Property Title Issue Resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040345 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XXX is after the Disbursement Date of XXX. Missing current HOI XXX page for subject property - HOI in file starts after note date | Document Uploaded. | XXX | Prior XXX received with an Effective Date of XXX. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040345 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited FICO is less than Guideline FICO | Audited FICO of is less than Guideline FICO of XXX. Missing credit report | Audited FICO of XXX is greater than or equal to Guideline FICO of XXX | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040345 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Missing credit report | Document Uploaded. This will clear all Credit conditions, thanks | XXX | Borrower 1 Credit Report is not missing. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040345 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements Missing credit report | Delinquent Credit History Meets Guideline Requirements | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040345 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040345 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040683 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited FICO is less than Guideline FICO | Audited FICO of is less than Guideline FICO of XXX. Missing credit report | Audited FICO of XXX is greater than or equal to Guideline FICO of XXX | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040683 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Missing credit report | Document Uploaded. This should clear all the credit conditions | XXX | Borrower 1 Credit Report is not missing. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040683 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements Missing credit report | Delinquent Credit History Meets Guideline Requirements | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040683 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040683 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040294 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower does not meet residual income requirement | Residual income of $-XXX does not meet guideline minimum of $XXX. No income allowed. ALL income is derived from transfers from XXX, and all income is in unusually consistent amounts. XXX states that the borrower has filed taxes as an EMPLOYEE of the subject company although her owns XXX% of it. XXX is a XXX-registered company owned by the borrower per XXX and other online sources. The income being used for qualifying is therefore not "income," but inter-company transfers and should not be allowed without further explanation and clarification from the borrower. |
• In general, transfers into XXX don’t have to be sourced and can be included. If money is transferred back and forth or using XXX then the rules start changing. I looked at XXX months and I am not seeing XXX and XXX. Can they provide more detail on why they need these other statements | XXX | Residual Income meets guideline minimum. After additional discussions, it was determined these transfers are consistent and are from other businesses the borrower owns (even if from other countries).; | XXX | Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% No income allowed. ALL income is derived from transfers from XXX, and all income is in unusually consistent amounts. CPA states that the borrower has filed taxes as an EMPLOYEE of the subject company although her owns XXX% of it. XXX is a XXX owned by the borrower per D&B and other online sources. The income being used for qualifying is therefore not "income," but XXX and should not be allowed without further explanation and clarification from the borrower. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040294 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | XXX: Reasonable Income or Assets Not Considered | ATR: Reasonable Income or Assets Not Considered ALL income is derived from transfers from XXX, and all income is in unusually consistent amounts. XXX states that the borrower has filed taxes as an EMPLOYEE of the subject company although her owns XXX% of it. XXX is a XXX-XXX owned by the borrower per XXX and other online sources. The income being used for qualifying is therefore not "income," but XXX transfers and should not be allowed without further explanation and clarification from the borrower. | • In general, transfers into XXX don’t have to be sourced and can be included. If money is transferred back and forth or using XXX then the rules start changing. I looked at XXX months and I am not seeing XXX and XXX. Can they provide more detail on why they need these other statements | XXX | XXX: Reasonable Income or Assets Was Considered. After additional discussions, it was determined these transfers are consistent and are from other businesses the borrower owns (even if from other countries).; | XXX | Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% No income allowed. ALL income is derived from transfers from XXX, and all income is in unusually consistent amounts. CPA states that the borrower has filed taxes as an EMPLOYEE of the subject company although her owns XXX% of it. XXX is a XXX owned by the borrower per D&B and other online sources. The income being used for qualifying is therefore not "income," but XXX and should not be allowed without further explanation and clarification from the borrower. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040294 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Payment shock exceeds guideline | Payment shock of XXX% exceeds the lender guidelines tolerance for payment shock. XXX Income allowed. | • In general, transfers into XXX don’t have to be sourced and can be included. If money is XXX and XXX or using XXX then the rules start changing. I looked at XXX and I am not seeing XXX and XXX. Can they provide more detail on why they need these other statements; I'm sorry but if the Bwr monthly Income is XXX and obligation s are XXX the Bwr has more than enough residual Income, pls advise | XXX | Payment shock is within tolerance. After additional discussions, it was determined these transfers are consistent and are from other businesses the borrower owns (even if from other countries).; ; Exception is for payment shock and is tied to Employment/Income not meeting guidelines. This exception will be re-evaluated upon receipt of documentation to clear the Employment/Income exception. Thank you. | XXX | Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% No income allowed. ALL income is derived from transfers from XXX, and all income is in unusually consistent amounts. CPA states that the borrower has filed taxes as an EMPLOYEE of the subject company although her owns XXX% of it. XXX is a XXX owned by the borrower per D&B and other online sources. The income being used for qualifying is therefore not "income," but XXX and should not be allowed without further explanation and clarification from the borrower. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040294 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines ALL income is derived from transfers from XXX, and all income is in unusually consistent amounts. XXX states that the borrower has filed taxes as an EMPLOYEE of the subject company although her owns XXX% of it. XXX is a XXX-XXX owned by the borrower per XXX and other online sources. The income being used for qualifying is therefore not "income," but inter-comapany transfers and should not be allowed without further explanation and clarification from the borrower. |
• In general, transfers into XXX don’t have to be sourced and can be included. If money is transferred back and forth or using XXX then the rules start changing. I looked at few months and I am not seeing XXX and XXX. Can they provide more detail on why they need these other statements | XXX | Income and Employment Meet Guidelines. After additional discussions, it was determined these transfers are consistent and are from other businesses the borrower owns (even if from other countries).; | XXX | Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% No income allowed. ALL income is derived from transfers from XXX, and all income is in unusually consistent amounts. CPA states that the borrower has filed taxes as an EMPLOYEE of the XXX although her owns XXX% of it. XXX is a XXX owned by the borrower per D&B and other online sources. The income being used for qualifying is therefore not "income," but XXX and should not be allowed without further explanation and clarification from the borrower. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040294 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) The assets verified at the time of closing were less than what the lender used to qualify the borrower. | Uploaded assets to other assets condition | XXX | $XXX XXX deposits were verified yet not included in asset calculation. Including $XXX cured the insufficient reserves exception. Condition Rescinded. | XXX | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2026040294 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. The assets verified at the time of closing were less than what the lender used to qualify the borrower. | Document Uploaded. Note: The Bwr needed cash to close of XXX mths XXX Bwr needed a Total of Funds XXX | XXX | $XXX XXX deposits were verified yet not included in asset calculation. Including $XXX cured the insufficient reserves exception. Condition Rescinded. | XXX | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2026040294 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% No income allowed. ALL income is derived from transfers from XXX, and all income is in unusually consistent amounts. CPA states that the borrower has filed taxes as an EMPLOYEE of the subject company although her owns XXX% of it. XXX is a XXX owned by the borrower per D&B and other online sources. The income being used for qualifying is therefore not "income," but XXX and should not be allowed without further explanation and clarification from the borrower. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040294 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% No income allowed. ALL income is derived from transfers from XXX, and all income is in unusually consistent amounts. CPA states that the borrower has filed taxes as an EMPLOYEE of the subject company although her owns XXX% of it. XXX is a XXX owned by the borrower per D&B and other online sources. The income being used for qualifying is therefore not "income," but XXX and should not be allowed without further explanation and clarification from the borrower. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040379 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Income calculated using the documents in the file do not match the lenders 1008. Please provide an updated 1008/XXX or further verification of income. | We qualified the Bwr on Income of XXX and that's the Income on the 1008/XXX, the Income you have is XXX | XXX | Audit used lower income to qualify. DTI within guidelines with lower income. Revised 1008/XXX not required. Condition rescinded.; Material Finding | XXX | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2026040379 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. File is missing credit report. Credit FICO scores are present. Please provide all credit reports for review. | Document Uploaded. This should take care of all the credit conditions | XXX | Borrower 1 Credit Report is not partially present. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040379 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements File is missing credit report. Credit FICO scores are present. Please provide all credit reports for review. | Delinquent Credit History Meets Guideline Requirements; | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040379 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Tradelines do not meet Guideline Requirements | The lender’s minimum tradeline requirements have not been met per guidelines. File is missing credit report. Credit FICO scores are present. Please provide all credit reports for review. | Tradelines meet Guideline Requirements; | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040379 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040379 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040406 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The 1003 states previous primary residence is pending sale. There is no evidence in the file that the property has sold. Underwriter has included the full PITI as a liability causing a DTI to exceed the Maximum of XXX%. Provide proof the primary residence at time of application sold prior to the subject transaction. | Document Uploaded. The XXX included the XXX. However she had XXX the XXX. I have added that XXX. I have also updated the base income to match the income worksheet and added XXX/mo of XXX income. DTI is XXX%. See 1003, 1008 and inc worksheet. | XXX | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040406 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040406 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040370 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. The file is missing the origination credit report. Please provide a copy of the full origination credit report. | Document Uploaded. | XXX | Borrower 1 Credit Report is not missing. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040370 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 2 Credit Report is Missing | Borrower 2 Credit Report is Missing. The file is missing the origination credit report. Please provide a copy of the full origination credit report. | Document Uploaded. | XXX | Borrower 2 Credit Report is not missing. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040370 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040370 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040623 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX business days prior to the consummation date is required but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. | Document Uploaded. | XXX | Evidence of appraisal delivery provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040623 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The final 1003 does not reflect any assets used for qualification yet the 1008 shows verified assets. Please provide a final 1003 reflecting the assets used to qualify. Thank you. | Document Uploaded. | XXX | Revised final 1003 reflecting assets used to qualify received. Asset Qualification Meets Guideline Requirements. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040623 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040058 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040058 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040058 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040091 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. Borrower 1's bank statements reflects > XXX NSF/Overdrafts. Per Guideline-NSF and Overdraft Activity must be reviewed for acceptability, Neither the 1008 or XXX reflect that the NSF/Overdrafts have been reviewed for acceptability. Please provide either a 1008 or XXX that reflects that the NSF/Overdrafts were reviewed and acceptable. | Document Uploaded. | XXX | Overdraft/NSF count within tolerance. An updated 1008 was provided confirming the lender reviewed and approved the NSFs. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | A | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040091 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements The Guidelines reflect no collections/charge offs/judgements in the last XXX months. The co-borrower has a collection for card ending #XXX that last reported XXX, date of last activity XXX with a balance of $XXX and a charge off for acct #XXX with a date report XXX and date of last activity XXX. The co-borrowers collections and charge off do not meet the XXX months requirement. | Document Uploaded. ; Document Uploaded. | XXX | Lender exception for charge off within XXX months approved by investor on XXX; The provided credit report confirms the following : The Guidelines reflect no collections/charge offs/judgements in the last XXX months. The co-borrower has a collection for card ending #XXX that last reported XXX, date of last activity XXX with a balance of XXX and a charge off for acct XXX with a date report XXX and date of last activity XXX. The co-borrowers collections and charge off do not meet the XXX months requirement. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | B | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040091 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Please provide Credit Score Disclosure (XXX) | Document Uploaded. | XXX | XXX Credit Score Disclosure is provided. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | B | A | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040091 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Please provide the credit report dated XXX for review | Document Uploaded. | XXX | Borrower 1 Credit Report is not partially present. Full Credit report was provided. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | A | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040091 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 2 Credit Report is Incomplete | Borrower 2 Credit Report is Partially Present. Please provide the credit report dated XXX for review | Document Uploaded. | XXX | Borrower 2 Credit Report is not partially present. Full Credit report was provided. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | C | A | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040091 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | B | A | A | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040169 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Please provide the credit report date XXX for review. | Document Uploaded. | XXX | Borrower 1 Credit Report is not missing. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | B | D | A | D | B | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040169 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. Please provide a 1008 or XXX that confirms that NSF/Overdrafts were reviewed and acceptable. The Income Worksheet reflects that they were reviewed, explained and accepted by lender. Per client, the 1008 or XXX will have confirmation that the XXX/NSF were reviewed and accepted. | Document Uploaded. | XXX | 1008 reflects NSF's were reviewed for acceptability. Overdraft/NSF count within tolerance. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | B | C | A | D | B | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040169 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Documentation required to clear exception: Provide the Credit Score disclosure (XXX) and evidence it was sent to the borrower within XXX business days of application. | Document Uploaded. | XXX | XXX Credit Score Disclosure is provided. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | B | B | A | D | B | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040169 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% Guidelines require loans over $XXX have an LTV of XXX% or less. XXX in the file cites this exception and approval is granted. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | B | C | B | D | B | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||
| 2026040169 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% Guidelines require loans over $XXX have an LTV of XXX% or less. XXX in the file cites this exception and approval is granted. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | B | C | B | D | B | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||
| 2026040169 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% Guidelines require loans over $XXX have an HLTV of XXX% or less. XXX in the file cites this exception and approval is granted. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | B | C | B | D | B | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||
| 2026040169 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | B | A | A | D | B | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040358 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040358 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040358 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040617 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040617 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040617 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040364 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required. The initial CD is missing from the file. The earliest CD in the loan file was issued XXX and signed at consummation. the violation can be cure by providing initial CD as well as evidence showing it was received by borrower XXX days prior to consummation on XXX. This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or The initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. | Document Uploaded. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040364 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure required. Refund in the amount of XXX, cure package requires a PCCD, LOE, Copy of refund check and proof of delivery or a Valid XXX. The tolerance is due to the decrease of the Lender Credit fee from XXX on the LE dated XXX to $XXX on the CD dated XXX. Because the loan failed the initial CD delivery date test due to missing Initial closing disclosure, any values that would be under a valid XXX, if the disclosure had been provided, will not be considered valid for tolerance purposes. The violation may be cured if missing closing disclosure(s) are provided. Additional testing will be completed once the Initial CD is provided. |
Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040364 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | XXX 130b Cure required. Refund in the amount of $,XXX; cure package requires a PCCD, LOE, Copy of refund check and proof of delivery or a Valid XXX. The tolerance is due to increased Discount Points fee from $XXX on the LE dated XXX to $XXX on the CD dated XXX. Because the loan failed the initial CD delivery date test due to missing Initial closing disclosure, any values that would be under a valid XXX, if the disclosure had been provided, will not be considered valid for tolerance purposes. The violation may be cured if missing closing disclosure(s) are provided. Additional testing will be completed once the Initial CD is provided. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). |
Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040364 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. There are no credit reports in the file. Please provide all credit reports for review. | Document Uploaded. | XXX | Borrower 1 Credit Report is not missing.; Received credit report dated XXX | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040364 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040323 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements Per Guideline the Lender allows no Collections in the past XXX months. The co-borrower has a collection that last reported on XXX with a $XXX balance per letter from collection agency dated XXX. The collection does not meet the guideline requirements. | Document Uploaded. | XXX | Lender exception for collection opened with XXX months approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040323 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX Compliant | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040323 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040383 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | The Initial 1003 is Missing | The Initial 1003 is Missing The Initial 1003 is Missing | Document Uploaded. ; Document Uploaded. | XXX | The Initial 1003 is Present; Per disclosure tracking, the initial application date was XXX. The application provided was printed on XXX and was signed on XXX. Please provide the signed/dated "initial" application dated XXX for review. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040383 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Unable to determine, credit report missing |
Document Uploaded. Payments were not due on the XXX. ; this was paid off at closing as it is listed on the XXX cd; Document Uploaded. ; Document Uploaded. | XXX | Construction loan of XXX was made by the XXX, XXX, not the Borrower (see page XXX). XXX made by the Borrower was dated XXX and due XXX-no payment due. Housing History Meets Guideline Requirements. Condition cleared.; Yes, the lien was paid off on the final CD, however, we are missing the payment history on that mortgage. Based on the promissory Note, the Borrowers were required to make interest only monthly payments on that mortgage. Please provide the payment history for the loan. Thank you.; Please provide the payment history on the interest only payments to the private mortgage holder for the XXX in the amount of XXX as required per Promissory Note dated XXX . Thank you.; Housing History Does Not Meet Guideline Requirements Missing private mortgage payment history on construction loan in the amount of XXX to XXX and XXX (Note in file indicates monthly interest only payments were due).; Housing History Does Not Meet Guideline Requirements Missing private mortgage payment history on construction loan in the amount of XXX to XXX and XXX (Note in file indicates monthly interest only payments were due). | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040383 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Borrower 1 Credit Report is Missing. | Document Uploaded. | XXX | Borrower 1 Credit Report is not missing. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040383 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Borrower 2 Credit Report is Missing | Borrower 2 Credit Report is Missing. Borrower 2 Credit Report is Missing. | Document Uploaded. | XXX | Borrower 2 Credit Report is not missing. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040383 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements Unable to determine, credit report missing |
Document Uploaded. | XXX | Delinquent Credit History Meets Guideline Requirements | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040383 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Tradelines do not meet Guideline Requirements | The lender’s minimum tradeline requirements have not been met per guidelines. Unable to determine, credit report missing |
Document Uploaded. | XXX | Tradelines meet Guideline Requirements | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040383 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Audited FICO is less than Guideline FICO | Audited FICO of is less than Guideline FICO of XXX. Unable to determine, credit report missing |
Document Uploaded. | XXX | Audited FICO of XXX is greater than or equal to Guideline FICO of XXX | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040383 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040383 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040216 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Borrower's assets not shown on the 1003. | Document Uploaded. | XXX | The Final 1003 is Present | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040216 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Please provide Credit Score Disclosure (XXX) | Document Uploaded. | XXX | XXX Credit Score Disclosure is provided. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040216 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | A | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040464 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing proof the gift funds were given to or wired to the closing agent. | Document Uploaded. | XXX | Gift wire to Settlement Agent received. Asset Qualification Meets Guideline Requirements. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040464 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Please provide all credit reports associated with this file | Document Uploaded. This should clear XXX | XXX | Borrower 1 Credit Report is not missing. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040464 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 2 Credit Report is Missing | Borrower 2 Credit Report is Missing. Please provide all credit reports associated with this file | Borrower 2 Credit Report is not missing.; Document Uploaded. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040464 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX compliant- Appraisal requirement . This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | XXX Compliant. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040464 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040405 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines 1. The CPA letter in file addresses the borrower and her business. The XXX letter also states that a 3rd Party (not the borrower) is a sole member owner and is not required to file a W2 or a XXX XXX . Please provide an explanation of who the 3rd party is, why he is listed on the borrower's CPA verification letter and verification of his ownership percentage in the borrower's business. 2. The XXX is incomplete. The borrower's signature is Illegible. Please provide a legible signature on the XXX. |
Document Uploaded. Uploaded XXX with exception.; Document Uploaded. | XXX | Lender exception to not obtain legible signature on XXX approved by investor on XXX.; Received updated XXX letter dated XXX with name correction. Bank statement questionnaire signature (pg XXX) is not legible and appears different than the borrowers signature from other signed documents. Questionnaire was completed by "Owner". Please provide a legible signature on the XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040405 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Please provide all credit reports available for this file for review. | Document Uploaded. | XXX | Borrower 1 Credit Report is not missing. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040405 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX Compliant | XXX Compliant. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040405 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040622 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX Discount Points, and $XXX to $XXX for the Final Inspection Fee. | Document Uploaded. ; Document Uploaded. | XXX | Revised XXX and applicable XXX provided; exception resolved; XXX Cure Required. Refund in the amount of XXX; cure package requires a PCCD, XXX, and Copy of Refund Check, or Valid XXX. The XXX violation in the amount of XXX is due to the addition of the Final Inspection Fee on CD XXX. The appraisal was completed XXX and XXX shows appraisal was reviewed XXX, however earliest CD that shows Final Inspection fee added is dated XXX which is not within XXX days. ; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040622 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Unable to downgraded Missing Proof of Appraisal Delivery | Document Uploaded. | XXX | Appraisal delivery received, XXX compliant, downgraded to A - exception resolved | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040622 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XXX. | Document Uploaded. | XXX | Initial CD received - exception resolved; Initial CD received - exception resolved | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040622 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | Evidence of Appraisal Delivery to the Borrower Not Provided. Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. | Document Uploaded. | XXX | Evidence of Appraisal Delivery to the Borrower Provided. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040622 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. | Document Uploaded. | XXX | Evidence of appraisal delivery provided. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | A | B | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040622 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040622 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040424 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The borrower has been renting for XXX months. The file is missing the rental payment history. The lender requires XXX payment history. Please also provide the credit report to review the mortgage payment history for the prior owner occupied residence. | Document Uploaded. | XXX | Lender exception to waive current housing history due to being a XXX received by investor on XXX.; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing XXX months rental payment history for current residence on XXX.; Document Uploaded. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040424 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Transaction is not arm's length | The borrower is the owner of the broker business that originated the loan. Per Guidelines XXX are not allowed. Owner, employees or XXX of the origination lender. The subject loan is ineligible. | Document Uploaded. | XXX | Lender exception for XXX/borrower owner of XXX that originated the loan approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040424 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Guidelines require a VOE dated within XXX days of closing. Please provide a 3rd Party VVOE dated within XXX days of the XXX closing date. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040424 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Please provide all credit reports for both borrowers for review. | Document Uploaded. This should clear all credit conditions | XXX | Borrower 1 Credit Report is not missing. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040424 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 2 Credit Report is Missing | Borrower 2 Credit Report is Missing. Please provide all credit reports for both borrowers for review. | Borrower 2 Credit Report is not missing.; Document Uploaded. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040424 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040424 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040436 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Cure required. Refund in the amount of $XXX, Cure package requires a PCCD, LOE, Copy of Refund Check, proof of mailing, or Valid XXX. The tolerance is due to increased Appraisal fee from $XXX to $XXX from LE XXX to CD XXX. XXX in file does not detail reason for increase. | Document Uploaded. | XXX | Cure package provided to borrower within XXX days of discovery. Exception downgraded to XXX.; Cure package provided to borrower within XXX days of discovery. Exception downgraded to XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | B | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040436 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Borrower 1 Credit Report is Missing. | Document Uploaded. this should clear all credit conditions | XXX | Borrower 1 Credit Report is not missing. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | D | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040436 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited FICO is less than Guideline FICO | Audited FICO of is less than Guideline FICO of XXX. Unable to determine, credit report missing |
Audited FICO of XXX is greater than or equal to Guideline FICO of XXX; Document Uploaded. ; | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040436 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | A | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040423 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Please provide all credit reports for borrower | Document Uploaded. | XXX | Borrower 1 Credit Report is not missing. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040423 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX.While the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX compliant- Appraisal requirement met | XXX Compliant. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040423 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX compliant- Appraisal requirement met | XXX Compliant. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040422 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Please provide all credit reports for borrowers for review. | Document Uploaded. | XXX | Borrower 1 Credit Report is not missing. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |
| 2026040422 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | XXX Effective Date is after the Note Date | XXX Effective Date of XXX is after the Note Date of XXX Please provide evidence that HOI is in force as of the closing/funding date. | Document Uploaded. | XXX | XXX Effective Date of XXX is prior to or equal to the Disbursement Date of XXX Or XXX Effective Date Is Not Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |
| 2026040422 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Property | HOA Does Not Meet Guidelines | HOA Does Not Meet Guidelines Over XXX% of the condo units are XXX days past due. XXX in the file cites this exception and approval is granted. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | C | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||||
| 2026040422 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX compliant- Appraisal requirement met. | XXX Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | A | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||
| 2026040363 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. Per Lender direction, NSF and overdraft activity must be addressed for acceptability, and noted on either the Uniform Underwriting and Transmittal Summary (1008) or the Credit Risk Summary & Exception Approval (XXX). The loan file contained a letter of explanation provided by the Borrower, however, neither the 1008 nor the XXX noted the Lender reviewed NSF and overdraft activity for acceptability. | Document Uploaded. Uploaded 1008 with comment. | XXX | Overdraft/NSF count reviewed for acceptability and is considered within tolerance. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040363 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040363 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040432 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Per Final 1003 the borrower has been renting at XXX for over XXX years, no monthly rent amount was disclosed. The file is missing the XXX-months payment history. Please provide the XXX-month payment history to verify the Housing History meets the Lender's requirement. | Document Uploaded. | XXX | Rental payment history in file on page XXX. Condition rescinded. | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2026040432 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040432 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040449 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Provide a copy of the credit report for review. | Document Uploaded. | XXX | Borrower 1 Credit Report is not missing. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040449 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Transaction is not arm's length | The borrower is a loan officer for the originating lender. Per XXX, employees of the originating lender are not permitted, as it is considered a XXX. | Document Uploaded. | XXX | Lender exception for non-arms length transaction approved by investor on XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | C | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040449 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040449 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040403 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX. years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040403 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX. years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040403 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX. years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040435 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX compliant | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040435 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040435 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040388 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040388 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040388 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040402 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Upon receipt of credit report it appears we are missing a Borrower signed XXX regarding XXX inquiry with XXX. Please provide a borrower signed XXX confirming no new debt opened as a result of XXX inquiry. Thank you. | Document Uploaded. | XXX | XXX for inquiry on page XXX. Condition rescinded. | XXX | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2026040402 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Please provide all credit reports associated with the file for additional review. | Document Uploaded. | XXX | Borrower 1 Credit Report is not missing. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040402 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The file contains a Letter of Explanation signed by the borrower that states there are no HOA dues for the XXX. The XXX XXX reflects the property is located in an HOA. Please provide an explanation for the discrepancy and supporting documents that reflect that there are no HOA fees. | Document Uploaded. | XXX | Document Uploaded. Conflicting info received on XXX dues for XXX located on XXX. Using $XXX/mo as reflected on XXX and XXX into the DTI. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040402 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040402 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040694 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. The loan file does not contain the Borrower 1 Origination Credit Report. Please provide the Borrower 1 Origination Credit Report for review. | Document Uploaded. Uploaded XXX credit report. | XXX | Borrower 1 Credit Report is not missing. | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | B | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040694 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 2 Credit Report is Missing | Borrower 2 Credit Report is Missing. The loan file does not contain the Borrower 2 Origination Credit Report. Please provide the Borrower 2 Origination Credit Report for review. | Uploaded XXX report to other finding. | XXX | Borrower 2 Credit Report is not missing. | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | B | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040694 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The Final Loan Application indicates the Borrowers were currently renting a primary residence for XXX months. A monthly rental amount was not provided and their payment history was not verified. Please provide verification of the Borrowers' rental payment history. | Document Uploaded. You should have the XXX docs for the XXX. I have uploaded them again. Let me know if you have questions! You should also have the XXX that references the exception for the XXX in < XXX mos. Thanks!; Document Uploaded. Uploaded XXX showing XXX owns borrs' XXX. See most recent XXX months XXX stmts showing $XXX payments to XXX - XXX and XXX rent pmts. | XXX | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Thank you for providing the Borrower's current rental payment history. However, upon receipt of the Borrower's credit report, it appears the mortgage with XXX last reported XXX. Please provide an updated mortgage payment history for XXX XXX that is secured against Borrower's XXX located on XXX. Thank you.; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | B | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040694 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | The initial CD is missing from the loan file. The earliest CD in the file is dated XXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XXX. This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or The initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. | Document Uploaded. Uploaded initial CD and proof of receipt. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | A | D | B | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040694 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements The Lender approved the Borrowers with a XXX request less than XXX months seasoned based on the following compensating factors: | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | B | D | B | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||
| 2026040694 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | A | A | D | B | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040397 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The loan file does not contain verification of the HOA for the Borrower's rental property. The Lender used $XXX per month for the HOA fee for the Borrower's rental property. There is a monthly HOA invoice in the loan file reflecting a $XXX per month amount, however, it for the Borrower's primary residence. Please provide verification of the monthly HOA amount for the Borrower's rental property or verification that there is no monthly HOA fee. | Document Uploaded. Uploaded XXX dues - $XXX/month. I did not adjust anything in the XXX as it appears it is already overestimated. | XXX | XXX dues for XXX received and reflects XXX than what was used to qualify. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040397 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The applicable Guidelines require a XXX-month residential payment history. The Borrower purchased the subject property in XXX. The file contains the Borrower's payment history from XXX through XXX, which is XXX months. The Final Loan Application states that prior to the Borrower's purchase of the primary residence, he had been renting a residence for XXX year and paying monthly rent of $XXX. The file does not contain verification of the Borrower's payment history from XXX through XXX. Please provide the Borrower's rental history from XXXthrough XXX, in order to complete the required XXX-month residential payment history. | Document Uploaded. Uploaded XXX with exception. | XXX | Lender exception to accept XXX months housing payment history vs. XXX months required approved by investor on XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | C | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040397 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040397 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040451 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Payment shock exceeds guideline | Payment shock of XXX% exceeds the lender guidelines tolerance for payment shock. Guidelines require a payment shock of XXX% or less. XXX in the file cites this exception and approval is granted. | Payment shock is within tolerance. Per updated guideline it shows a payment shock of XXX% and once you included the $XXX to the previous primary payment - the payment shock is within variance.; Document Uploaded. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040451 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040451 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040410 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Credit report reflects Borrower next due for XXX mortgage payment and statement in file shows Borrower next due for XXX. Missing updated payment history to confirm XXX and XXX never went XXX days delinquent (max XXX required for XXX% LTV). | Document Uploaded. Pls look at the XXX which shows next date if XXX and activity shows no lates | XXX | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. XXX was provided and does not show any late fees were acquired. Sufficient documentation provided.; ; The mortgage statement confirms next due for XXX, however, it does not confirm that XXX and XXX were paid on time. Please provide an updated payment history to confirm XXX and XXX payments never went XXX days delinquent. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040410 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Guidelines require a VOE dated within XXX days of closing. Please provide a VOE dated XXX or later. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040410 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. | XXX Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040410 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040685 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040685 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040685 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040489 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Per XXX, the borrower resigned from ownership of the business in XXX. Per XXX, ownership of the business was not transferred back to the Borrower until XXX yet XXX and XXX income was used to qualify. Based on the documentation provided, it appears the borrower has not been owner of the business for a minimum of XXX year nor can it be confirmed the Borrower has been in the same line of work for XXX years due to XXX in employment from XXX to XXX. Due to conflicting information, please provide documentation to confirm Borrower has been XXX% owner of XXX forXXX+ years. | Document Uploaded. I have updated this file. 1008 and 1003 have updated employment dates and income. I have only used income from the XXX during the time she has been XXX% since XXX, averaged over XXX months though. I have written up exceptions as well. See XXX. | XXX | Lender exception for Borrower ownership in business less than XXX year approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040489 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040489 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040439 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Rescinded | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX scores not within tolerance | there is XXX appraisal in file. we should be good on this XXX. thanks | XXX | XXX full appraisal in file on page XXX. Condition rescinded. | XXX | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2026040439 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited FICO is less than Guideline FICO | Audited FICO of is less than Guideline FICO of XXX. Provide a copy of credit report for additional review | Document Uploaded. | XXX | Audited FICO of XXX is greater than or equal to Guideline FICO of XXX | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040439 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Provide copy of credit report for additional review | Document Uploaded. | XXX | Borrower 1 Credit Report is not missing. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040439 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040426 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. Per Lender direction, NSF and overdraft activity must be addressed for acceptability, and noted on either the XXX Underwriting and Transmittal Summary (1008) or the Credit Risk Summary & Exception Approval (XXX). The loan file contained a letter of explanation provided by the Borrower, however, neither the 1008 nor the XXX noted the Lender reviewed NSF and overdraft activity for acceptability. | Document Uploaded. | XXX | 1008 received notating NSF reviewed and approved. Overdraft/NSF count within tolerance. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040426 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete The Notary Date on the subject Mortgage is incomplete. It reflects the month and year but not the day of the month. Please provide a corrected Mortgage reflecting a complete Notary Date. | Document Uploaded. | XXX | The Deed of Trust is Present and Complete | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040426 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040426 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040467 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The loan file does not contain a 3rd party VOE dated within XXX days of closing. The subject loan closed on XXX. The latest dated verification of employment in the loan file was dated XXX, which was greater than XXX days from closing. Please provide a 3rd party VOE dated within XXX days of closing. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040467 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040467 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040468 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | Purchase contract expired XXX prior to Note date of XXX. Please provide signed contract extension to XXX. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared.; Material | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
B | A | B | A | B | A | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040468 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
B | A | A | A | B | A | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040468 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
B | A | A | A | B | A | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040391 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Please provide origination credit report for review. | Document Uploaded. | XXX | Borrower 1 Credit Report is not missing. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040391 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Upon receipt of the credit report, it appears we are missing the XXX month housing payment history for the XXX with The XXX secured against the Borrower's on XXX | Document Uploaded. ; Document Uploaded. Hi, it appears there's a timing issue. The XXX was opened XXX with the XXX payment due XXX, there will not be a XXX month payment history.; Document Uploaded. | XXX | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Based on public record in the property report, it appears the $XXX loan with XXX opened in XXX. The statement provided reflects the borrower made a payment of XXX on XXX for the XXX due date and was next due for XXX at time of closing. Please provide documentation to confirm the balance of the XXX was $XXX prior to XXX or provide a XXX month payment history. Thank you.; The XXX XXX that last reported on XXX reflected last active XXX with a $XXX balance was secured against an old property located on XXX, XXX, XXX that the Borrower sold in XXX (see public records in Fraud Report). Per the final 1003, the XXX in XXX had a $XXX balance with a payment of XXX. Documentation in file also suggests the XXX loan # as XXX with a credit limit of $XXX and a balance of $XXX. Please provide the XXX month payment history for XXX. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040391 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040391 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040357 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | There are XXX appraisals in this file so another valuation is not required. | XXX | XXX appraisal in file on page XXX. Condition rescinded. | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2026040357 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040357 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040375 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | XXX is Missing | Missing XXX Missing HOI for subject property - HOI provided has a different address than subject property | Document Uploaded. Sorry about that! I have the XXX with the XXX. And I also uploaded the XXX.; Document Uploaded. Uploaded XXX. | XXX | XXX is fully present; XXX uploaded and in file reflects an address of XXX, however, subject is XXX. Please provide correct XXX. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040375 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of PITIA for REO located at XXX and Missing proof of new XXX payment for XXX | Document Uploaded. Uploaded all. | XXX | PITIA for XXX received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040375 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040375 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040409 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040409 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040409 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040438 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Cure required. refund in the amount of $XXX; cure package requires a XXX, LOE, Copy of Refund Check or Valid XXX. The tolerance is due to increase of Appraisal Fee from $XXX to $XXX on CD dated XXX without valid XXX. XXX dated XXX does not provide reason for fee increase. | Document Uploaded. Uploaded cure docs. | XXX | Cure package provided to borrower within XXX days of discovery. Exception downgraded to XXX.; Cure package provided to borrower within XXX days of discovery. Exception downgraded to XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
D | B | C | B | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040438 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete B1 Final 1003 is missing XXX business information for Make Up By XXX used to qualify. | Document Uploaded. ; Document Uploaded. Uploaded 1008, 1003, and XXX. Added business info and also the reserves are updated based on the lower seller proceeds. | XXX | The Final 1003 is Present | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
D | B | D | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040438 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Lender has excluded the XXX Liability as being paid by the Borrower's business. Per guidelines, business debt appearing on the borrower's XXX credit report must be included in the debt to income ratio. Including the liability increased the DTI to XXX% which exceeds the max of XXX% allowed. | Document Uploaded. | XXX | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
D | B | C | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040438 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements Please provide a signed final CD for the sale of the borrowers previous primary residence. | Document Uploaded. Uploaded seller CD. | XXX | Asset Record XXX Meets G/L Requirements Or Not Applicable | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
D | B | C | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040438 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
D | B | A | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040427 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing Mortgage | Please provide note and mortgage details for the XXX note on the XXX. | Document Uploaded. | XXX | Mortgage and XXX for XXX secured against eh subject received and matches what was used to qualify. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040427 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040427 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040427 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040385 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | Verification of Borrower Liabilities Missing or Incomplete | Mortgage statements and/or notes, tax bills, insurance bills and XXX (if appropriate) for XXX of the borrower's rental properties are needed to substantiate the carrying costs used to qualify the borrower. The property at XXX is being refinanced by XXX, #XXX. The property at XXX is not disclosed on the 1003 but is reported in the borrowers; names on a XXX Report. | Document Uploaded. | XXX | XXX received. DTI updated and remained within guidelines. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040385 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040385 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040385 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Acknowledged | XXX | Credit | Cash Out Does Not Meet Guideline Requirements | Cash Out Does Not Meet Guideline Requirements Maximum cash out if LTV >XXX% is $XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||
| 2026040469 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing explanation and supporting documentation for large deposit(s) | Missing source of large deposit of $XXX on XXX, $XXX on XXX and $XXX on XXXin to personal XXX | Document Uploaded. Uploaded XXX, 1008, 1003, XXX, and a XXX. I can link XXX of the deposits up to a XXX/XXX and a XXX of a XXX. The XXX is not sourced so I backed it out of the income calculation. See updated docs/DTI. | XXX | Large deposits explained, documented, or removed from income calculation. Condition resolved. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040469 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040469 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040479 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing The Final 1003, Section 3a. shows a second home at XXX. Please provide proof of mortgage payment, taxes, insurance and HOA payment for review. If XXX is no HOA please provide a signed statement from the borrower stating there is no HOA. | Document Uploaded. ; Document Uploaded. The XXX is in the XXX name who's not on the loan, see XXX XXX. I reviewed the Fraud Report and XXX. From what I can see the XXX isn’t in the borrower’s name but is in the XXX (who’s not on the Note). | XXX | Lender provided a corrected 1003 removing XXX that is not owned by the Borrower. Condition cleared.; Thank you for providing documentation that suggests the Borrower does not own the property located on XXX. The final 1003 signed by the Borrower reflected XXX as being owned by the Borrower, if this is incorrect, please provide a corrected 1003 removing the property from Section XXX "Property You Own". Thank you. | XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2026040479 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Guidelines require XXX months of housing history. The Fraud Report does not verify that the the property on XXX had been free & clear the prior XXX months. XXX month rent is verified. Please provide documentation showing borrowers housing history meets lenders guideline requirements for review.. | Document Uploaded. Documents attached shows borrower owned property XXX from XXX to XXX, then sold. | XXX | Previous residence was free and clear. Settlement statement from sale of departure residence on page XXX confirms no lien paid at time of sale and XXX on page XXX explains property was a cash purchase. Condition rescinded. | XXX | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2026040479 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 2026040479 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX compliant | Informational Only | XXX | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 2026040482 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Upon receipt of the credit report, it appears we are missing a signed LOE from the Borrower regarding the XXX inquiry dated XXX (inquiry letters in file do not address XXX). | Document Uploaded. | XXX | Received a letter of explanation from the lender that shows the inquiries are utilizing a different name based on the FICO report pulled. Resolved. ; Borrower 1 Credit Report is not partially present. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040482 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Please provide all credit reports for the borrower for review. | Document Uploaded. | XXX | Borrower 1 Credit Report is not missing. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040482 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. The bank statements reflect numerous NSF/Overdrafts. The file contains an LOX from the borrower explaining the reason for the NSF/Overdrafts. The CRSE nor the 1008 reflect that the NSF/Overdrafts have been reviewed and Acceptable. Please provide a 1008 or CRSE that states that the NSF/Overdrafts have been reviewed and are Acceptable. | Document Uploaded. | XXX | Received 1008 confirming Overdraft/NSF count within tolerance. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040482 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040482 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040448 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX | XXX Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040448 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040448 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040471 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX; XXX cure required, refund in the amount of XXX requires a PCCD, XXX, Copy of Refund Check and Proof of Delivery. The tolerance is due to increased Appraisal fee from $XXX to $XXX from XXX XXX to CD XXX. XXX in file does not detail reason for increased fee. Per the invoice issued XXX the borrower paid the full amount XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | C | B | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040471 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Please provide all credit reports for Borrower 1 to include XXX mortgage payment history for #XXX. for review. | Document Uploaded. | XXX | Borrower 1 Credit Report is not missing. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | D | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040471 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 2 Credit Report is Missing | Borrower 2 Credit Report is Missing. Please provide all credit reports for Borrower 2 to include XXX mortgage payment history for #XXX. for review. | Document Uploaded. | XXX | Borrower 2 Credit Report is not missing. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | D | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040471 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | A | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040511 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Documentation required to clear exception: Please provide missing Credit Score Disclosure (XXX). | Yes please acknowledge. Thank you.; The broker nor XXX has this disclosure. | XXX | ; Please confirm if XXX would like this acknowledged | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
B | B | B | B | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040511 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
B | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040511 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
B | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040441 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | The Note is Incomplete | The Note is Incomplete Conditional Approval indicates Fixed amortization, but the Note reflects Fixed/XXX. Note must be corrected. |
Document Uploaded. Uploaded corrected Note - fixed rate. | XXX | The Note is Present | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040441 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing a copy of the mortgage statement or Note for the property onXXX. Please provide proof of the principal and interest payment and property insurance. | Document Uploaded. I'm so sorry, not sure what I was thinking - not an XXX. I did actually find a mortgage statement. It's old from XXX but should suffice to show the mortgage does include XXX. Thank you!; Document Uploaded. Can you please reconsider based on the uploaded document stating XXX require an XXX for the XXX of the XXX. Thank you!; Document Uploaded. Providing a XXX report showing this property was purchased in XXX for XXX with XXX mortgage. This was a XXX with XXX. At XXX% XXX would be required to be included in the mortgage payment. Please accept in lieu of a mortgage statement. | XXX | Confirmation XXX mortgage XXX for taxes and insurance received. Condition cleared.; Per the credit report the mortgage with XXX is a XXX vs. an XXX, therefore, we are unable to assume the XXX/mo included XXX. Thank you.; Unfortunately, we are unable to assume that the current payment reflected of XXX/mo to XXX includes taxes and insurance. Borrowers can drop XXX when their property value reaches a net equity of XXX%. Please provide the mortgage statement that confirms XXX. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040441 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Credit Report is Missing. Please provide a copy of the credit report and must include the payment histories for the properties on XXX and XXX for review. If the mortgage histories are not reported on the credit report please provide proof of the last XXX months payment to meet the matrix requirement of XXX. | Document Uploaded. Uploaded credit report. | XXX | Borrower 1 Credit Report is not missing. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040441 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Upon receipt of the credit report, the Borrower's mortgage payment history on their primary residence with XXX was not provided. Please provide the mortgage payment history to the private lien holder via cancelled checks or bank statements for the Borrower's primary residence. Thank you. | Document Uploaded. The uploads were already in your file but nothing was pointed out to you documenting the mortgage payments. Please see the XXX - #XXX at the bottom of page XXX. It states the prepaid interest reserve was advanced to the borr but then back to the lender to be used to pay the mortgage. No additional mortgage payments due. | XXX | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | B | C | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040441 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Loan does not conform to program guidelines | Per guidelines, XXX are not eligible borrowers. The mortgage and title XXX disclosed the borrower as Outdoor XXX, A XXX which does not meet the Lender guidelines. | Document Uploaded. Uploaded XXX with exception. | XXX | Lender exception to close in a corporation approved by investor on XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | B | C | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040441 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. |
D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040472 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. The Lender requires that the file document proof that the gift funds were given to the closing agent. Please provide a copy of the certified check, cashier's check, money order, or wire transfer. | Document Uploaded. | XXX | Gift wires to Settlement Agent received and match XXX information in file. Asset Qualification Meets Guideline Requirements. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040472 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040472 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040692 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the for the Appraisal fee on CD XXX. XXX in file dated XXX references the increase in the appraisal fee but does not provide a reason for the increase and was therefore not accepted. Providing a reason may clear the exception. |
Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | C | B | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040692 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | XXX property -Provide a copy of XXX Note that support $XXX monthly P&I payment, Final CD to verify the current mortgage #XXX is paid off, HOA, Tax & Insurance documents. If there is no HOA, a signed statement from the borrower stating there is no HOA. | Document Uploaded. | XXX | PITIA for refinance of XXX received. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | D | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040692 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
D | B | A | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040540 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | HOA Questionnaire is Missing | XXX Missing XXX is missing. Please provide XXX for review. | Document Uploaded. | XXX | XXX Provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | A | D | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040540 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040540 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040533 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040533 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040533 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040501 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Credit report is missing in file. Please provide all credit reports to include both mortgage payment histories for borrower for review. | Document Uploaded. | XXX | Borrower 1 Credit Report is not missing. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040501 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% Guidelines require a maximum LTV of XXX% with a cash out of more than $XXX. XXX in the file cites this exception and approval is granted on XXX. | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
D | B | C | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||
| 2026040501 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040501 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040699 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required- XXX e-signed document in the file is dated XXX; however, the file is missing proof of e-consent dated XXX or before. | Document Uploaded. | XXX | Evidence of eConsent is provided. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
C | B | B | A | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040699 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Payment shock exceeds guideline | Payment shock of XXX% exceeds the lender guidelines tolerance for payment shock. Payment shock is XXX%. Guidelines require a maximum XXX% payment shock. XXX in the file cites this exception and approval is granted on XXX. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
C | B | C | B | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||
| 2026040699 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
C | B | A | A | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040430 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040430 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040430 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040491 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Please provide for additional review - proof of PITIA for the XXX property, proof of HOA payment for the XXX, proof of the P&I payment for the XXX property, proof of PITIA for the XXX, XXX, XXX. If the properties do not have HOA payments a signed statement from the borrower is required that verifies there is no HOA payment. | Document Uploaded. ; Some of the XXX are owned by XXX and XXX; Document Uploaded. | XXX | Client provided XXX report reflecting XXX of $XXX, XXX report reflecting No XXX for XXX, XXX report reflecting No HOA for XXX, Mortgage statement reflecting XXX for XXX, XXX report for XXX, Property Report for XXX reflecting $XXX in HOA dues, Mortgage statement reflecting XXX for XXX, XXX report reflecting No HOA for XXX, Mortgage statement reflecting XXX for XXX, XXX for XXX. XXX Updated. ; Thank you for providing the property reports. We appear to still be missing the following: XXX and XXX dues on XXX; XXX dues for XXX; XXX and XXX dues for XXX; XXX and XXX dues for XXX; HOI for XXX; and XXX and XXX dues for XXX. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040491 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040491 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040537 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Audited Loan Amount of $XXX is greater than the Guideline Maximum Loan Amount of $XXX. Guidelines require a max loan amount of $XXX with an XXX% LTV. XXX in the file cites this exception and approval is granted on XXX. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||
| 2026040537 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Payment shock exceeds guideline | Payment shock of XXX% exceeds the lender guidelines tolerance for payment shock. Guidelines require a max payment shock of XXX%. XXX in the file cites this exception and approval is granted on XXX. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||
| 2026040537 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040537 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040312 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Flood Certificate Missing | Missing Flood Certificate Please provide current flood certificate for review. | Document Uploaded. Uploaded flood cert. | XXX | Flood Certificate is fully present | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040312 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Lender is using the wrong XXX payment on the 1008/XXX. Guidelines state a XXX term qualified at XXX full PITIA Payment. Please revise documents and send for review. | Document Uploaded. Uploaded 1008 and XXX with qual rate updated. | XXX | Approval/Underwriting Summary is fully present; Material | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | B | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040312 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040312 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040376 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 CPA Letter Missing | Borrower 1 CPA Letter Missing Guidelines require documentation showing borrowers ownership interest in the income XXX. Please provide a CPA letter or other approved documents which show borrowers ownership interest. | Document Uploaded. | XXX | Borrower 1 CPA Letter Provided | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040376 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040376 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040524 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). XXX Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX% tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Settlement Fee and the addition of the $XXX Title Endorsement Fee. The loan file does not contain a valid XXX for the increase and addition of these fees. | Document Uploaded. ; Document Uploaded. Pls note that the XXX changed due to change in XXX fee therefore the Settlement fee increased and its on the XXX. Endorsement fee is the XXX fee on the XXX. Also, note usually the XXX calculations are only for recording fee's, this is a XXX. Pls advise, pls let upper management review, thanks | XXX | Cure package provided to borrower within XXX days of discovery. Exception downgraded to XXX.; Cure package provided to borrower within XXX days of discovery. Exception downgraded to XXX.; The title services paid to the provider on the XXX (priority title) are included in the XXX tolerance because the borrower did not chose to shop for these. Change is XXX is not a valid reason for title fees to increase above the XXX tolerance | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040524 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only; ; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040524 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only; ; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040289 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Max cost to cure exceeds $XXX. XXX in the file XXX this exception and approval is granted by Lender on XXX. | XXX or more issues or defects with the property have been discovered. Max cost to cure exceeds $XXX. XXX in the file XXX this exception and approval is granted by Lender on XXX. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | C | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||
| 2026040289 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Please provide a XXX within guidelines tolerance for review. | Document Uploaded. | XXX | Post Closing full XXX XXX appraisal received and supported origination value within XXX%. Condition cleared. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |
| 2026040289 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Guidelines require a VOE dated within XXX days of closing. Please provide a VOE dated XXX or later. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |
| 2026040289 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | A | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||
| 2026040546 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Please provide all credit reports for review. | Document Uploaded. | XXX | Borrower 1 Credit Report is not missing. | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040546 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Informational Only | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040546 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040483 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Borrower Contributions Do Not Met Guideline Minimum | Percent of Borrowers Funds for Down Payment of XXX% does not meet guideline minimum XXX% The Gift Funds received and deposited to the borrower's account exceed the funds required to close. Please provide proof the XXX% required down payment by the borrower was made with the borrower's funds. The Lender Guidelines requires a XXX% minimum down payment from the borrower. | The borrower has XXX in XXX. The borrower needed XXX of his own funds plus XXX months reserves XXX. The $XXX was deposited into XXX which totaled XXX. We considered the large deposit of $XXX a gift even though it was business related. We had no proof of that. Thanks, |
XXX | Although gift deposited exceeded the funds required to close, the borrower had sufficient funds in their other account to meet the minimum XXX% plus reserves. Entry updated. Condition rescinded. | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2026040483 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. XXX with established XXX and appraisal requirements met. Exception downgraded to a A. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040483 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040700 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Lenders 1008 is using an incorrect P&I payment. Guidelines state, XXX term qualified at XXX full PITIA Payment. Please revise the 1008/XXX and send for review. | Document Uploaded. | XXX | Documentation provided is sufficient. Exception resolved.; Approval/Underwriting Summary is fully present; Material |
XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
C | A | B | A | B | A | A | A | C | A | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040700 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. Documentation required. The initial CD dated XXX is missing. The earliest CD in file is dated XXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation dated XXX. | Document Uploaded. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | B | A | A | A | C | A | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040700 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). XXX required: A refund in the amount of $XXX, cure package: PCCD with LOE, copy of refund and proof of delivery or initial CD. The Mortgage recording fee increased on the CD issued XXX with a valid coc; however, due to the missing initial CD, the fee increase is not allowed. | Initial CD and delivery proof has been uploaded. Will this be cleared from that condition? | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | B | A | A | A | C | A | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040700 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | B | A | A | A | C | A | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040377 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Required. Refund in the amount of $XXX, cure package requires PCCD, LOE, Copy of Refund Check or Valid XXX. The tolerance is due to increased Appraisal Fee from $XXX to $XXX on the CD issued XXX. XXX in file does not detail reason for increased fee. However, per the invoice dated XXX, the borrower paid the full amount XXX which is more than XXX business days from disclosure. | Document Uploaded. hey. please note I did one check for both cures. thanks ; Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX; XXX provided for review is invalid to clear tolerance violation. XXX provided did not state a detailed reason for the increase in the Appraisal Fee and additionally the appraisal invoice in file was outside of the timing requirement to redisclose. Please provide cure package. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040377 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX is compliant and allowed per lender's guidelines; therefore, downgraded to XXX. This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040377 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | XXX required: A refund in the amount of $XXX, cure package: PCCD with LOE, copy of refund and proof of delivery or valid coc. The Mortgage Recording fee increased on the CD issued XXX without a valid reason. This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). | Document Uploaded. hey. please note I did one check for both cures. thanks ; Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX; XXX provided for review is invalid to clear tolerance violation. XXX provided did not state a detailed reason for the increase in the Recording Fee. Please provide a valid XXX or cure package. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040377 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040377 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040445 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040445 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040445 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040461 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Guidelines require a 3rd Party VOE dated within XXX days of closing. Please provide a VOE dated within XXX calendar days of the Note date for both sources of income. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040461 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040461 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040361 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Guidelines require a VOE dated within XXX days of closing. Please provide a VOE dated XXX or later | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040361 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040361 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040554 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040554 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040554 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040544 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Please provide all credit reports associated with the file for review. | Document Uploaded. | XXX | Borrower 1 Credit Report is not missing. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040544 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040544 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX compliant- Appraisal requirement met. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040392 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040392 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040392 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | The loan is XXX compliant and allowed per lender's guidelines; therefore, downgraded to XXX. This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040529 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing Please provide proof of the property taxes and proof that the the XXX on XXX is free and clear. Please provide the new XXX statement for the primary residence with proof of property taxes. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | XXX | Deed and property report received and matched legal descriptions to confirm owned free and clear. Condition cleared.; Please provide a property report or other public record information from a disinterested third party that confirms XXX is owned free and clear. Thank you.; Thank you for providing the PITIA for the primary residence. Please provide documentation to confirm XXX on XXX is free and clear and verification of taxes. Thank you. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040529 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete. Please update the Final 1003 with the new XXX payment information (PITI) for borrowers primary residence | Document Uploaded. | XXX | The Final 1003 is Present | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040529 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040529 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040499 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset Record 1 Does Not Meet G/L Requirements. Please provide documentation stating borrower has XXX% ownership of the business that owns account ending #XXX that is being used for assets. | Document Uploaded. ; Document Uploaded. | XXX | Operating Agreement for XXX received and confirms Borrower as the XXX/XXX% owner. Condition cleared.; Documentation provided does not reflect Borrower as XXX% owner of XXX. Please provide documentation to confirm Borrower's percentage of ownership in XXX to utilized business assets in XXX as reflected on the final 1003. Thank you. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040499 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. Per Guideline - NSF and overdraft activity must be reviewed for acceptability. Per client, the XXX or 1008 will state that NSF/Overdrafts have been reviewed for Acceptability. The bank statements reflect XXX NSF's. The 1008 nor XXX reflect that Acceptability has been reviewed. | Document Uploaded. | XXX | 1008 received confirming Overdraft/NSF count within tolerance. Condition cleared. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040499 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040499 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040693 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Incorrect rescission model used - XXX form model XXX used for Same Lender or Lender Affiliate Refinance | Incorrect rescission model used - XXX form model XXX (New Creditor) used for Same Lender or Lender Affiliate Refinance Documentation required to clear exception: Incorrect Right to Cancel form was used. Right to cancel form XXX (XXX) form was used and should have been XXX (Same Lender) form. In order to cure, rescission needs to be re-opened with correct form and a PCCD, LOE, and proof of delivery is required. | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | D | B | A | A | A | A | D | B | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040693 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XXX. | Document Uploaded. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | A | A | A | A | A | D | B | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040693 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | A | A | A | A | A | A | D | B | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040693 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | A | A | A | A | A | A | D | B | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040509 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040509 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040509 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040085 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to increase of the credit report fee from $XXX to $XXX on the CD dated XXX and an increase of the transfer taxes from $XXX to $XXX on the CD dated XXX without valid XXX. | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | B | C | A | C | A | C | B | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040085 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX compliant | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | A | C | A | C | B | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040085 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. While there is a XXX in the file with a Risk score of XXX, it is not the most recent XXX submission available. The most recent Risk Score XXX and Not Eligible. Please provide a more recent XXX dated after XXX that is within tolerance. | Document Uploaded. | XXX | Third party valuation product provided within tolerance. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | A | C | A | C | A | C | B | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040085 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Expired | Borrower 1 Credit Report is Expired (Greater than XXX days from the Closing Date). The origination credit report dated XXX and is expired. The Lender obtained a full credit report on XXX. Please provide the credit report dated XXX for review. | Document Uploaded. | XXX | Borrower 1 Credit Report is not Expired. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | A | C | A | C | A | C | B | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040415 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Upon receipt of the credit report, there appears to be an open mortgage with XXX #XXX that reflects a payment and balance, however, last reported XXX. Please provide a credit supplement that updates that mortgage history and confirms it was paid in full and closed. Thank you. | Lender advised : No – this shows a XXX balance as of XXX - There is nothing else required XXX months reporting - this means credit line of XXX was opened but does not mean they took any money from the credit line – If they did, they have paid it off – Again showing XXX balance – nothing should be required ; Huh? Where do you see that?; Document Uploaded. | XXX | Confirmed - this information is sufficient for the lender and account is without a balance. ; ; The documentation provided reflects last payment received XXX and a balance of $XXX. Although the payment amount indicated "XXX" that appears to be the date last active/satisfied which was within XXX months of the subject transaction.; Based on the documentation provided it appears the mortgage was paid in full and satisfied in XXX which is within XXX months of the subject loan closing. Please provide a credit supplement reflecting the payment history to confirm max XXX as required per guidelines. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | C | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040415 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% DTI exceeds XXX% maximum allowed. The guidelines state: The following restrictions apply when using bank statement documentation: • Up to XXX (XXX) accounts for XXX (XXX) separate qualified business may be used for qualifying purpose. Review used the monthly incomes from the XXX highest performing businesses. XXX of the businesses are the same type of business, but the entity names are different. |
Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Document Uploaded. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | C | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040415 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Please provide all credit reports associated with the borrower. | Document Uploaded. | XXX | Borrower 1 Credit Report is not missing. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040415 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Please provide proof of P&I, taxes, insurance and XXX for property XXX, XXX. If there is no XXX a signed statement from the borrower is required stating there is no HOA payment. | Taxes and XXX received for XXX. Public records reflects a lien on the property in XXX with XXX and credit report confirms XXX balance as $XXX. Condition cleared.; Document Uploaded. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040415 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Income does not meet guideline requirements. Guidelines state: The following restrictions apply when using bank statement documentation: • Up to XXX (XXX) accounts for XXX (XXX) separate qualified business may be used for qualifying purpose. Review used the monthly incomes from the XXX highest performing businesses. XXX of the businesses are the same type of business, but the entity names are different. |
Document Uploaded. | XXX | Lender exception to use XXX businesses to qualify approved by investor on XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | C | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040415 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040415 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040497 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 CPA Letter Missing | Borrower 1 CPA Letter Missing Missing proof of ownership percentage. The file contains the XXX that shows XXX ownership, a web search for the business, the borrower's Contractor's License and a XXX that verifies the borrower is the Agent for the business. Please provide 3rd Party proof of the borrower's business ownership percentage for review. | Document Uploaded. XXX stated this document is acceptable.; Document Uploaded. ; Document Uploaded. | XXX | Documentation received confirming Borrower as XXX. Condition cleared.; Thank you for providing an XXX. Please provide the documentation that confirms the Borrower's percentage of ownership (i.e. XXX letter, Articles of Incorporation, etc.). Thank you.; Please provide documentation to confirm Borrower's percentage of ownership in the business. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040497 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing Lender Income Calculation Worksheet | The Bank Statement Worksheet is incomplete. Please provide a complete worksheet that lists the correct ownership percentage and documents the Gross Deposits/Excluded/Net Deposits/Description/ XXX and NSF/OD's for review. | Document Uploaded. | XXX | Lender's income worksheet reflecting XXX% owner received. Income used to qualify lower than what was calculated. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040497 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX, XXXl Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Code.While the XXX Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to XXX. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040497 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to XXX. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040497 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040632 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Payment shock exceeds guideline | Payment shock of XXX% exceeds the lender guidelines tolerance for payment shock. The maximum payment shock is XXX. The Front End payment shock is XXX. The Payment shock is out of guidelines tolerance. | Document Uploaded. ; The departure residence is free and clear so there is no payment shock | XXX | Corrected 1003 received confirming departure residence owned free and clear. Payment shock does not apply to XXX owned free and clear per guidelines. Condition resolved vs. rescinded due to incorrect 1003.; The final 1003 reflects XXX as a mortgage secured against the departure residence yet credit reflects it as an XXX. If XXX is not a mortgage, please provide us with a corrected 1003 removing it from the XXX and including it in the credit liabilities. Upon receipt, the payment shock finding will be re-evaluated. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040632 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. Borrower has XXX NSF. There is a letter of explanation in the file but neither the XXX nor 1008 reflect that the NSF/XXX have been reviewed for acceptability. | Document Uploaded. ; we allow XXX ( max XXX on XXX at any LTV ) | XXX | 1008 received reflecting Overdraft/NSF count within tolerance and accepted. Condition cleared.; Per direction from management, a comment on the 1008 or XXX must reflect that the NSF's were reviewed for acceptability and approved. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040632 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | Please provide a signed Purchase Contract Extension to XXX. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared.; Material | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040632 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040632 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040003 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. The file is missing proof the donor gave the gift funds to the closing agent in form of certified check, a cashier's check, money order, or wire transfer. Please provide proof of the fund transfer from to the donor to the closing Agent per Lender Guidelines. | Document Uploaded. Please see documentation that shows the XXX of the gift funds owns the XXX; Document Uploaded. | XXX | Asset Qualification Meets Guideline Requirements.; The wires provided reflect the funds came from XXX XXX yet the donor on the gift letter was XXX and the source of the gift was coming from XXX XXX. Please provide documentation to confirm the $XXX wired to the settlement agent came from the XXX and account as reflected on the gift letter. Thank you. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040003 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040003 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040564 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. The borrower's business bank statements reflect 1 NSF/XXX. The file contains a letter of explanation from the borrower for the NSF/OD. Neither the 1008 nor the XXX reflect that NSF/XXX have been reviewed for Acceptability. Please provide updated documentation that the NSF/XXX have been reviewed. | Document Uploaded. | XXX | Overdraft/NSF count within tolerance. Confirmed the documentation to show the NSFs was received and sufficient.; Overdraft/NSF count exceeds tolerance. The borrower's XXX reflect XXX. The file contains a letter of explanation from the borrower for the XXX. Neither the 1008 nor the XXX reflect that XXX have been reviewed for Acceptability, however, lender provided guidelines exception approval allowing to process the loan based on the following compensating factors: Qualifying Credit Score is 803, XXX% (Housing Ratio) or XXX% (Total) and Verified Reserves are XXX months; Overdraft/NSF count exceeds tolerance. The borrower's business bank statements reflect XXX XXX. The file contains a letter of explanation from the borrower for the XXX. Neither the 1008 nor the XXX reflect that XXX have been reviewed for Acceptability, however, lender provided guidelines exception approval allowing to process the loan based on the following compensating factors: Qualifying Credit Score is XXX, XXX% (Housing Ratio) or XXX% (Total) and Verified Reserves are XXX months | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040564 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Appraisal Fee. A XXX was provided but deemed invalid due to no specific reason provided. | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | B | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026040564 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | A | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026040352 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing explanation and supporting documentation for large deposit(s) | Missing source of large deposit of $XXX on XXX into XXX account ending #XXX. | Document Uploaded. Hi we have backed-out the $XXX, pls see the attached, thanks | XXX | Received updated 1003 reducing overall assets by XXX. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040352 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040352 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040543 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The Lender qualified the Borrower as the XXX% Owner of XXX. However, the loan file does not contain verification of his sole ownership of the company. The loan file contains a copy of the XXX reflecting the Borrower as one of XXX XXX of XXX and not the XXX. Please provide verification that the Borrower is the XXX% Owner of the business. | Document Uploaded. | XXX | Income and Employment Meet Guidelines; client provided 1003, income worksheet and XXX letter. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040543 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040543 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040440 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040440 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040440 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX is compliant and allowed per lender's guidelines; therefore, downgraded to XXX. This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040527 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% Cash out over $XXX requires an LTV of XXX% or lower. | LTV restriction is based on cash in hand. Final CD confirmed XXX cash to Borrower. Condition rescinded. | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 2026040527 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% Cash out over $XXX requires an LTV of XXX% or lower. | LTV restriction is based on cash in hand. Final CD confirmed XXX cash to Borrower. Condition rescinded. | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 2026040527 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% Cash out over $XXX requires an LTV of XXX% or lower. | According to the final signed CD signed at closing the borrower only received XXX cash out. Can you please advise? thank you | XXX | LTV restriction is based on cash in hand. Final CD confirmed XXX cash to Borrower. Condition rescinded. | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2026040527 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040527 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040547 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040547 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040547 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040550 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The Purchase Contract indicates the closing date is to be on or before XXX. However, the actual closing date was XXX. The loan file did not contain an addendum extending the closing date. Please provide a fully-executed extension reflecting a closing date of XXX or later. | Document Uploaded. On the attached XXX, we have cleared a XXX loan with this exact same verbiage on the Sales Contract. Pls advise with XXX if you are unsure, thanks so much | XXX | Section XXX and XXX of the purchase contract allows a XXX day extension. Per management, okay to accept. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040550 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040550 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040398 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040398 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040398 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040706 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040706 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040706 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040705 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040705 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040705 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040569 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Borrower states in a XXX that he has been living in a short term rental (XXX) and a hotel for XXX months. Please provide confirmation from a 3rd party to verify satisfactory payments for review. | Document Uploaded. Please review XXX comments on 1008, borrower had prior mortgage. This information is on Credit Report a well. | XXX | Documentation is sufficient. XXX on 1003 reflects living with XXX, previous primary was owned for XXX years. Exception resolved.; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040569 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040569 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040523 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX compliant | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040523 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040523 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040494 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040494 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040494 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040500 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The loan file does not contain verification there is no HOA fee for REO 2. The XXX Indicator on the property report in file reflects "unknown". The file does not contain a written statement from the Borrower indicating there is no HOA. Please provide verification there is no HOA fee for REO 2. | Document Uploaded. | XXX | Lender provided underwriting XXX used to determine if XXX is XXX or XXX. Based on their underwriting - the property in question is not deemed XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040500 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The Lender improperly calculated the Borrower's income. The Borrower was qualified using a P&L. The P&L covered the period between XXX and XXX, which was a period of XXX months. However, the Lender used a XXX month average to arrive at qualifying income of $XXX per month. When averaged over XXX months, the correct qualifying income amount is $XXX per month. When the correct amount is used, the resulting DTI is XXX%. | Document Uploaded. | XXX | P&L used to qualify received. Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040500 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX compliant- Appraisal requirement met | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040500 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Code.While the XXX Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX compliant- Appraisal requirement met | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040500 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040534 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing. The Lender requires a 3rd Party VOE prior to closing within XXX days of the closing. The file contains a blank 3rd Party VVOE. Please provide a complete 3rd Party VVOE for B2 dated within XXX days of the closing date. | Document Uploaded. Uploaded XXX for B2. | XXX | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX). | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040534 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040534 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040567 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040567 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040567 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040002 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040002 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040002 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040560 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. Guidelines do not allow for gift funds to be used for reserves. Please provide updated assets showing borrower has sufficient funds per guidelines. | Document Uploaded. | XXX | Audited Reserves of XXX are equal to or greater than XXX Required Reserves of XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040560 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) Guidelines do not allow for gift funds to be used for reserves. Please provide updated assets showing borrower has sufficient funds per guidelines. | Document Uploaded. | XXX | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040560 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | Please provide a contract extension for review. | Document Uploaded. | XXX | Lender exception for not obtaining contract extension approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | B | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040560 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040560 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040502 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040502 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040502 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040551 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The lender credit decrease violation in the amount of $XXX is due to decrease in Lender Credit from $XXX to $XXX. | Document Uploaded. Uploaded the XXX disclosed to the borrower when the XXX was locked and the lender credit lowered due to pricing - see XXX. Cure should not be required. | XXX | valid XXX provided, exception resolved; valid XXX provided, exception resolved | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040551 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040551 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040561 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Acknowledged | XXX | Property | Ineligible Property | The applicable Guidelines do not allow loans secured by XXX. The Lender Exception dated XXX approved the Borrower’s XXX based on the following compensating factors: | The applicable Guidelines do not allow loans secured by XXX. The Lender Exception dated XXX approved the Borrower’s XXX based on the following compensating factors: | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
D | B | C | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||
| 2026040561 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The loan file does not contain verification that the Borrower's XXX rental property does not have an associated HOA fee. The file does not contain a written statement from the Borrower indicating there is no HOA fee and the file does not contain a property report reflecting no HOA. Please provide verification that the Borrower's XXX rental property does not have an associated HOA fee. | Document Uploaded. | XXX | REO documentation confirming no XXX on XXX received. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |
| 2026040561 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
D | B | A | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||
| 2026040514 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040514 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040514 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040012 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Note Missing or Defective | Prepayment Penalty is not allowed per guidelines. For the state of XXX the max prepayment is XXX% for XXX year, XXX% for v year and XXX% for year XXX. It must also be "XXX" The PPP in file XXX months XXX months interest which is not allowed per guidelines. | XXX: XXX | XXX: Exception approval received | XXX | FICO XXX, LTV XXX%, XXX months reserves | C | B | C | B | C | B | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | ||
| 2026040586 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040590 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | XXX is missing mortgagee clause after lender's name. Please provide updated XXX with XXX XXX | XXX: Hazard | XXX: Received | XXX | C | A | C | A | A | A | C | A | N/A | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040024 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Entity Documentation - Missing or Defective | Missing Good Standing and Online Business Entity Search Shows Status : XXX | XXX: CRSE | XXX: Waived | XXX | FICO XXX, DSCR XXX, LTV XXX% | D | B | D | B | D | B | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | ||
| 2026040043 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing appraisal review for subject property: XXX | XXX: XXX uploaded | XXX: Received | XXX | D | A | D | A | A | A | D | A | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040110 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Sales Contract Missing or Defective | Missing sales contract with correct purchase price of $XXX. Please provide updated sales contract | XXX: Sales contract | XXX: Received | XXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040208 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040611 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040211 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum coverage required. Please provide updated title. | XXX: Uploaded | XXX: Received | XXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040067 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040186 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040240 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Hazard Insurance Missing or Defective | XXX in file is missing mortgagee clause after lender's name. Please provide updated XXX with XXX | XXX: Hazard | XXX: Received | XXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040021 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040131 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040666 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040260 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040135 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Note Missing or Defective | Prepayment Penalty is not allowed per guidelines. For the state of XXX the max prepayment is XXX% for XXX year, XXX% for XXX year and XXX% for year XXX. The PPP in file XXX months XXX months interest which is not allowed per guidelines. | XXX: CRSE | XXX: Exception approval received | XXX | FICO XXX, DSCR XXX, XXX months reserves | C | B | C | B | C | B | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | ||
| 2026040215 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040244 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040127 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040660 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Hazard Insurance Missing or Defective | XXX in file is missing mortgagee clause after lender's name. Please provide updated XXX with XXX | XXX: Hazard | XXX: Received | XXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040071 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040613 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Non-Occupant Borrower Requirements Not Met | Subject borrower is a XXX. Per guidelines, please provide acceptable XXX type. | XXX: XXX | XXX: Waived | XXX | FICO XXX, DSCR XXX, XXX months reserves | D | B | D | B | D | B | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | ||
| 2026040222 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Non-Occupant Borrower Requirements Not Met | Subject borrower is a XXX. Per guidelines, please provide acceptable XXX type. | XXX: XXX | XXX: Waived | XXX | FICO XXX, DSCR XXX, XXX months reserves | D | B | D | B | D | B | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | ||
| 2026040199 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040607 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing XXX for subject property:XXX | XXX: CDA | XXX: Received | XXX | D | A | D | A | A | A | D | A | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040301 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Title Insurance Coverage - Inadequate Coverage | $XXX Title insurance coverage < $XXX minimum coverage required | XXX: XXX | XXX: Received | XXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040640 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040616 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Hazard Insurance Missing or Defective | XXX in file is effective from XXX to XXX, which is after the disbursement date of XXX. Please provide coverage with an effective date on or before the disbursement date. | XXX: Hazard | XXX: Received | XXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040269 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040242 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040279 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040286 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040096 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Closing Protection Letter Missing or Defective | Missing XXX in file | XXX: XXX | XXX: Received | XXX | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040081 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040130 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040204 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Non-Occupant Borrower Requirements Not Met | Subject borrowers: XXX and XXX are XXX holding B1/B2 XXX, which is not an eligible visa type per guidelines. | XXX: XXX | XXX: Waived | XXX | DSCR XXX, FICO XXX, XXX months reserves | C | B | C | B | C | B | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | ||
| 2026040204 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > XXX% limit for XXX with FICO score of XXX | XXX: Waived via XXX | XXX: Waived | XXX | DSCR XXX, FICO XXX, XXX months reserves | C | B | B | B | C | B | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | ||
| 2026040256 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Hazard Insurance Missing or Defective | XXX in file is missing mortgagee clause after lender's name. Please provide updated XXX with XXX | XXX: Insurance | XXX: Received | XXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040025 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040253 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Credit Event – Requirement Not Met | Provided credit report reflects XXX. Late mortgage payment dated : XXX. Per Guideleines, a maximum of XXX late payments are allowed. | XXX: XXX | XXX: Waived | XXX | FICO XXX, LTV XXX%, XXX months reserves | C | B | C | B | C | B | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | ||
| 2026040672 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040258 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040174 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040249 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040231 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Property | Subject Property Lease - Missing or Defective | Missing proof of XXX months rent received for subject property: XXX to utilize rents as qualifying income. | XXX: XXX | XXX: Waived | XXX | FICO XXX, DSCR XXX, LTV XXX% | D | B | D | B | A | A | D | B | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | ||
| 2026040233 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Condo Questionnaire Missing or Defective | Missing XXX | XXX: XXX | XXX: Received | XXX | D | A | D | A | A | A | D | A | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040280 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040307 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040210 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > XXX% Max allowed per guidelines for XXX refinance. | XXX: XXX | XXX: Waived | XXX | FICO XXX, DSCR XXX, XXX months reserves | C | B | C | B | C | B | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | ||
| 2026040255 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Entity Documentation - Missing or Defective | Assets provided are in the XXX. Please provide Trust documentation to show borrower has full ownership | XXX: XXX | XXX: Received | XXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040144 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040303 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Excessive LTV Ratio | XXX% LTV > XXX% Max allowed per guidelines with DSCR < XXX. Currently calculated as $XXX XXX. XXX average (XXX) / $XXX PITIA = XXX DSCR | XXX: resubmitted XXX, loan qualified as XXX with XXX | XXX: Confirmed loan qualified as XXX with rental XXX; clear | XXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040300 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040271 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > XXX% Max allowed per guidelines for XXX refinance. | XXX: XXX | XXX: Waived | XXX | FICO XXX, DSCR XXX, XXX months reserves | C | B | C | B | C | B | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | ||
| 2026040648 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040246 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040319 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040304 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040342 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Report Missing or Defective | Missing credit report for subject borrower: XXX | XXX: Credit report | XXX: Received | XXX | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040350 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040669 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040302 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Report Missing or Defective | Missing Credit Report for Guarantor : XXX | XXX: Credit report | XXX: Received | XXX | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040278 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Report Missing or Defective | Missing credit report for Guarantors : XXX | XXX: Clear | XXX: Clear | XXX | D | B | D | A | D | B | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | |||
| 2026040278 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive Cash-Out Refinance | Cash to Borrower $ XXX> $XXX max limit allowed for LTVs greater than XXX% | XXX: Waived via XXX | XXX: Waived | XXX | LTV XXX%, months reserves XXX, XXX | D | B | B | B | D | B | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | ||
| 2026040329 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040680 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040336 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040675 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040284 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040298 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Report Missing or Defective | Missing credit report for subject borrowers: XXX | XXX: Credit | XXX: Received | XXX | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040298 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Subject Property Lease - Missing or Defective | Missing property XXX and proof of XXX months rent received for subject property: XXX to use $XXXas qualifying rent. As per the guidelines, please provide the lease agreement with a minimum term of XXX months, along with proof of receipt of three months' rent. | XXX: Tape via email | XXX: Received | XXX | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040673 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Property | Subject Property Lease - Missing or Defective | Missing XXX months rent receipts to use $XXX as qualifying rent. | XXX: XXX | XXX:Waived | XXX | FICO XXX, LTV XXX%, XXX months reserves | D | B | D | B | A | A | D | B | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | ||
| 2026040102 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Report Missing or Defective | Missing credit report for subject borrower: XXX | XXX: Credit Report | XXX: Received | XXX | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040316 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040674 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040330 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Market Rent - Missing or Defective | Missing 1007 for subject property: XXX. | XXX: 1007 | XXX: Received | XXX | D | A | D | A | A | A | D | A | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040007 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040362 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Hazard Insurance Missing or Defective | XXX is missing mortgagee clause and lender's name. Please provide updated XXX | XXX Insurance | XXX: Received | XXX | D | B | C | A | D | A | D | B | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | |||
| 2026040362 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Report Missing or Defective | Missing credit report for subject borrowers:XXX | XXX: Credit | XXX: Received | XXX | D | B | D | A | D | A | D | B | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | |||
| 2026040362 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Property | Subject Property Lease - Missing or Defective | Missing XXX months rent receipts to use $XXX as qualifying rent. | XXX: XXX | XXX: Waived | XXX | DSCR XXX, LTV XXX%, FICO XXX | D | B | D | B | D | A | D | B | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | ||
| 2026040314 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040325 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040650 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040277 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040360 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Report Missing or Defective | Missing credit report for subject borrowers: XXX | XXX: Credit | XXX: Received | XXX | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040333 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Title Insurance Missing or Defective | XXX is missing XXX in the mortgagee clause after lender's name and coverage amount. Please provide updated insurance. | XXX: Informational | XXX: Informational | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040340 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040326 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040619 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > XXX% max allowed per guidelines for XXX refinance. | XXX: XXX | XXX: Waived | XXX | FICO XXX months reserves, XXX | C | B | C | B | C | B | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | ||
| 2026040347 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040359 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Report Missing or Defective | Missing credit report for borrower: XXX. | XXX: uploaded | XXX: Received | XXX | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040411 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Report Missing or Defective | Missing credit report for subject borrower:XXX | XXX: Credit | XXX: Received | XXX | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040268 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing appraisal review for subject property:XXX | XXX: XXX | XXX: Received | XXX | D | A | D | A | A | A | D | A | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040381 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Report Missing or Defective | Missing credit report for subject borrower: XXX | XXX: Credit | XXX: Received | XXX | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040191 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040374 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040354 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Report Missing or Defective | Missing credit report for subject borrower: XXX | XXX: Credit Report | XXX: Received | XXX | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040295 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040353 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040276 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Report Missing or Defective | Provided supplemental credit report in file for subject borrowers: XXX and XXX is missing Fico scores. | XXX: Credit report | XXX: Received | XXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040349 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040373 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Report Missing or Defective | Missing credit report for subject borrower: XXX | XXX: Credit | XXX: Received | XXX | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040346 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040337 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040407 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040287 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing secondary valuation product for subject property: XXX | XXX: XXX | XXX: Received | XXX | D | A | D | A | A | A | D | A | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040421 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Report Missing or Defective | Missing credit report for subject borrower: XXX | XXX: Credit | XXX: Received | XXX | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040335 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Property | Ineligible Property – Square Footage | XXX square feet of gross living area < XXX square feet minimum requirement. Subject property is ineligible as per guidelines. | XXX: Waived via XXX | XXX: Waived | XXX | DSCR XXX, XXX FICO, XXX months reserves. | B | B | B | B | A | A | B | B | N/A | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | ||
| 2026040099 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040378 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Report Missing or Defective | Missing credit report for subject borrower: XXX | XXX: Credit | XXX: Received | XXX | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040213 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040606 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing Appraisal Review For Subject Property : XXX | XXX: AVM | XXX: Received | XXX | D | B | D | A | A | A | D | B | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | |||
| 2026040688 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040366 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040384 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040365 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040606 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Property | Condo Questionnaire Missing or Defective | HOA delinquency of XXX% > XXX% max allowed | XXX: Waived via XXX | XXX: Waived via XXX | XXX | XXX% LTV , BUDGETED INCOME $XXX WITH AN ADDITIONAL $XXX in a reserve account | D | B | B | B | A | A | D | B | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | ||
| 2026040621 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Closing Documentation Missing or Defective | The Closing Protection Letter (CPL), title commitment, and purchase contract do not reflect the correct borrower: XXX | XXX: XXX, XXX, XXX | XXX: Received | XXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040343 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040396 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040290 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Hazard Insurance Missing or Defective | Provided XXX is missing dwelling coverage. Please provided an updated policy including dwelling coverage. | XXX: Hazard | XXX: Received | XXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040369 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040368 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040291 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > XXX% max allowed per guidelines; purchase transaction; Fico XXX | XXX: Waived via XXX | XXX: Waived | XXX | DSCR XXX, XXX Fico, XXX months reserves. | B | B | B | B | B | B | A | A | N/A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | ||
| 2026040691 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Note Missing or Defective | Note dated XXX reflects payment amount of $XXX which differs from client tape of $XXX. Please opine | XXX: Tape via XXX | XXX: Received | XXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040394 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Title Insurance Coverage - Inadequate Coverage | $XXX Title insurance coverage < $XXXminimum coverage required | XXX: uploaded updated title | XXX: Received | XXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040176 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040351 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing appraisal review for subject property: XXX | XXX: XXX | XXX: Received | XXX | D | A | D | A | C | A | D | A | N/A | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040321 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040331 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Report Aged | XXX days > XXX days minimum requirement for credit report age. Please provide updated credit report for subject borrower:XXX | XXX: Credit | XXX: Received | XXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040399 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Report Missing or Defective | Missing credit report for subject borrowers: XXX | XXX: Credit | XXX: Received | XXX | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040327 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040334 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040401 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Report Missing or Defective | Missing credit report for subject borrowers: XXX | XXX: Uploaded both XXX. | XXX: Received | XXX | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040351 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Hazard Insurance Missing or Defective | Hazard Insurance of effective XXX is after disbursement date of XXX. Please provide coverage with effective date on or before the disbursement date. | XXX: XXX which shows coverage during the XXX referenced | XXX: Received | XXX | D | A | C | A | C | A | D | A | N/A | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040620 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Closing Protection Letter Missing or Defective | Closing Protection Letter is missing mortgagee clause after lender's name. Please provide updated CPL with XXX | XXX: XXX | XXX: Received | XXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040189 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive Cash-Out Refinance | $XXX cash to borrower > $XXX max limit allowed for LTVs greater than XXX%. | XXX: Waived via XXX | XXX: Waived | XXX | XXX Fico, XXX months reserves, XXX | B | B | B | B | B | B | A | A | N/A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | ||
| 2026040322 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040356 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > XXX% Max allowed per guidelines for XXX refinance. | XXX: XXX uploaded | XXX: Exception approval received | XXX | FICO XXX, XXX months reserves, XXX | C | B | C | B | C | B | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | ||
| 2026040390 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040395 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040324 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040414 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040413 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040315 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040408 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040625 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Hazard Insurance Missing or Defective | XXX in file is effective from XXX to XXX, which is after the disbursement date of XXX. Please provide coverage with an effective date on or before the disbursement date. | XXX: updated hazard insurance attached | XXX: Received | XXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040447 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040433 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040678 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040677 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040282 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040437 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040308 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Title Insurance Coverage - Inadequate Coverage | $XXXTitle insurance coverage < $XXX minimum coverage required. | XXX: Informational | XXX: Informational | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040474 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040676 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040283 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Title Insurance Coverage - Inadequate Coverage | $XXX Title insurance coverage < $XXXminimum coverage required. In addition, the XXX is missing after the lender's name. | XXX: Informational | XXX: Informational | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040473 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Hazard Insurance Missing or Defective | $XXX insurance coverage < $XXX minimum insurance required. Please provide updated insurance or replacement cost. | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040400 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040297 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040624 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040689 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040466 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040293 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040206 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Hazard Insurance Missing or Defective | $XXX insurance coverage < $XXX minimum insurance required. | XXX: Informational | XXX: Informational | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040416 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Report Missing or Defective | Missing credit report for subject borrower: XXX | XXX: Credit report | XXX:Received | XXX | D | B | D | A | D | B | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | |||
| 2026040452 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040420 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040382 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040320 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040446 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040416 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > XXX% Max allowed per guidelines for vacant property refinance. | XXX: XXX | XXX: Waived | XXX | FICO XXX, DSCR XXX, XXX months reserves | D | B | C | B | D | B | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | ||
| 2026040481 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040425 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040490 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Non-Occupant Borrower Requirements Not Met | Subject borrower is a non-permanent resident alien. Per guidelines, please provide acceptable visa type. | XXX: XXX | XXX: Received | XXX | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040128 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Subject Property Lease - Missing or Defective | Missing XXX months rent receipts to use $XXX as qualifying rent. | XXX: XXX months | XXX: Received | XXX | D | A | D | A | A | A | D | A | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040465 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040309 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040444 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040476 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040462 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040418 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Report Missing or Defective | Missing credit report for subject borrower: XXX. | XXX: Credi report | XXX: Received | XXX | D | B | D | A | D | B | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | |||
| 2026040404 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Property | Ineligible Project – Other Charter Violation | HOA delinquency of XXX% > XXX% max allowed | XXX: XXX | XXX: Waived | XXX | FICO is XXX, DSCR is XXX, verified assets over $XXX | C | B | C | B | A | A | C | B | N/A | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | ||
| 2026040477 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040457 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Hazard Insurance Missing or Defective | XXX is missing mortgagee clause after lender's name. | XXX: Informational | XXX: Informational | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040418 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > XXX% Max allowed per guidelines for vacant property refinance. | XXX: XXX | XXX: Waived | XXX | FICO XXX, DSCR XXX, XXX | D | B | C | B | D | B | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | ||
| 2026040434 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Market Rent - Missing or Defective | Missing 1007 for subject property located at: XXX | XXX: XXX | XXX: Received | XXX | D | A | D | A | A | A | D | A | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040296 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040493 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040627 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040506 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | Provided XXX for Subject Property: XXX. is missing expiration date. | XXX: Hazard insurance | XXX: Received | XXX | C | A | C | A | A | A | C | A | N/A | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040317 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040484 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040690 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040492 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040443 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040450 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040642 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040486 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Hazard Insurance Missing or Defective | XXX is missing mortgagee clause after lender's name. | XXX: Informational | XXX: Informational | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040429 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040630 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040516 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040459 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040696 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040687 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum coverage required. | XXX: Informational | XXX: Informational | XXX | B | B | A | A | B | B | A | A | N/A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | |||
| 2026040453 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040687 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Maximum Loan Amount Exceeded | $XXX > $XXX max loan amount allowed for LTV greater thanXXX%. | XXX: XXX | XXX: Waived | XXX | FICO XXX, XXX months reserves, XXX | B | B | B | B | B | B | A | A | N/A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | ||
| 2026040458 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Flood Certificate Missing or Defective | Missing Flood Certificate for Subject Property: XXX | XXX: Flood cert | XXX: Received | XXX | D | A | D | A | A | A | D | A | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040626 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040456 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040704 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040419 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040463 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Credit Event – Requirement Not Met | Provided credit report reflects XXX. Late mortgage payment dated: XXX. Per Guideleines, a maximum of XXX late payments are allowed. | XXX: XXX | XXX: Waived | XXX | FICO XXX, LTV XXX%, DSCR XXX | C | B | C | B | C | B | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | ||
| 2026040515 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040417 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040519 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040517 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040703 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040538 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040520 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040510 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040698 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Title Insurance Missing or Defective | Title insurance policy is missing XXX verbiage in the mortgagee clause after lender's name and coverage amount. | XXX: Informational | XXX: Informational | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040478 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040542 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Hazard Insurance Missing or Defective | XXX in file is effective from XXX to XXX, which is after the disbursement date ofXXX. Please provide coverage with an effective date on or before the disbursement date. | XXX: Hazard Insurance | XXX: Received | XXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040521 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040503 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040386 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Hazard Insurance Missing or Defective | XXX is missing mortgagee clause after lender's name. | XXX: Informational | XXX: Informational | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040695 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040631 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040531 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040507 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Hazard Insurance Missing or Defective | XXX is missing mortgagee clause after lender's name. | XXX: Informational | XXX: Informational | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040508 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040505 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | DSCR Minimum Not Met | Audit DSCR of XXX does not align with client DSCR of XXX. Monthly Breakdown: Income $XXX/ P&I $XXX+Insurance $XXX+ Taxes $XXX. Short term rental rent schedule reflects monthly rent of $XXX. | XXX: XXX | XXX: Clear | XXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040504 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040310 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040548 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040495 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040513 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040480 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040553 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040702 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040505 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Hazard Insurance Missing or Defective | XXX is missing mortgagee clause after lender's name. | XXX: Informational | XXX: Informational | XXX | C | A | A | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040475 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Property | Subject Property Lease - Missing or Defective | Missing XXX months rent receipts to use $XXX as qualifying rent | XXX: XXX | XXX: Waived | XXX | FICO XXX, XXX months reserves, XXX | D | B | D | B | A | A | D | B | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | ||
| 2026040628 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040535 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040318 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040633 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing appraisal review for subject property: XXX. | XXX: XXX | XXX: Received | XXX | D | A | D | A | A | A | D | A | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040496 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040372 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040518 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040512 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040455 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040454 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040530 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040005 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Note Missing or Defective | Note P&I of $XXX does not align with calculated P&I value of $XXX. Please opine. | XXX: Tape | XXX: Received | XXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040559 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040549 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040460 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Property | Subject Property Lease - Missing or Defective | Missing XXX months rent receipts to use $XXX as qualifying rent. | XXX: XXX | XXX: Waived | XXX | FICO XXX, LTV XXX, DSCR XXX | D | B | D | B | A | A | D | B | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | ||
| 2026040442 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > XXX% maximum allowed for loan amount under $XXX. | XXX: XXX | XXX: Waived | XXX | FICO XXX, XXX DSCR, XXX months reserves | B | B | B | B | B | B | A | A | N/A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | ||
| 2026040558 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040526 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Title Insurance Missing or Defective | Title supplemental report in file is missing mortgagee clause after lender's name and coverage amount. | XXX: Informational | XXX: Informational | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040488 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040701 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Hazard Insurance Missing or Defective | XXX is missing mortgagee clause after lender's name. | XXX: Informational | XXX: Informational | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040545 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040367 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040428 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | DSCR Minimum Not Met | Audit DSCR of XXX does not align with client DSCR of XXX. Monthly Breakdown: Income $XXX / P&I $XXX +Insurance $XXX + Taxes $XXX+ HOA $XXX. Please opine. | XXX: Special assesments | XXX: Received | XXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040470 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040539 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040498 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040566 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040236 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040697 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Subject Property Lease - Missing or Defective | Missing lease agreement for subject property: XXX. The property lease agreement is utilized for monthly rental income. As per guidelines, please provide the lease agreement with a minimum term of XXX month. | XXX: Using martket rent | XXX: Emailed | XXX | D | A | D | A | A | A | D | A | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040532 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040536 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Closing Protection Letter Missing or Defective | Closing Protection Letter is missing mortgagee clause after lender's name. | XXX: Informational | XXX: Informational | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040001 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040528 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing Appraisal Review for the Subject Property: XXX. | XXX: XXX | XXX: Received | XXX | D | A | D | A | A | A | D | A | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040629 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040541 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040412 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040552 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | DSCR Minimum Not Met | Audit DSCR of XXX does not align with client DSCR of XXX. Monthly Breakdown: Income $XXX / P&I $XXX +Insurance $XXX + Taxes $XXX+ HOA $XXX. 1007 reflects monthly gross income of $XXX. Please opine. | XXX: XXX | XXX: Received | XXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040634 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Note Missing or Defective | Note P&I of $XXX does not align with calculated P&I value of $XXX. Please opine | XXX: XXX | XXX: Received | XXX | D | B | C | A | D | B | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | |||
| 2026040634 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Short Term Rental Income - Missing or Defective | Subject property is a short term rental. Per guidelines, please provide XXX-month bank statements to use $XXX as qualifying rent. | XXX: XXX | XXX: Received | XXX | FICO XXX, DSCR XXX, LTV XXX% | D | B | D | B | D | B | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | ||
| 2026040190 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040313 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | XXX is missing mortgagee clause after lender's name. | XXX: Informational | XXX: Informational | XXX | B | B | A | A | B | B | A | A | N/A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | |||
| 2026040563 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040557 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040562 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040487 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040004 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040313 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > XXX% maximum allowed for loan amount under $XXX. | XXX: XXX | XXX: Waived | XXX | FICO XXX, XXX DSCR, XXX | B | B | B | B | B | B | A | A | N/A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | ||
| 2026040556 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040555 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040522 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040485 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040707 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040565 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing appraisal review for subject property: XXX. | XXX: XXX | XXX: Received | XXX | D | A | D | A | A | A | D | A | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040655 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040288 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040568 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040525 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040577 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040013 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Entity Documentation - Missing or Defective | Missing Article Of Organization for XXX, LLC | XXX: Uploaded LLC docs to include proof Active and XXX showing borr is XXX% owner. | XXX: Received | XXX | D | B | D | A | D | B | C | B | N/A | N/A | D | D | C | N/A | D | D | C | N/A | D | D | C | N/A | D | D | C | N/A | D | D | C | N/A | B | B | B | N/A | B | B | B | N/A | B | B | B | N/A | B | B | B | N/A | B | B | B | N/A | |||
| 2026040013 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive Cash-Out Refinance | Cash to Borrower $XXX > $XXX max limit allowed for LTVs greater than XXX% | XXX: Uploaded XXX for exception. | XXX: Exception approval received | XXX | DSCR XXX, XXX months reserves, experienced investor | D | B | C | B | D | B | C | B | N/A | N/A | D | D | C | N/A | D | D | C | N/A | D | D | C | N/A | D | D | C | N/A | D | D | C | N/A | B | B | B | N/A | B | B | B | N/A | B | B | B | N/A | B | B | B | N/A | B | B | B | N/A | ||
| 2026040013 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Property | Desk Review Variance > XXX% | XXX% appraisal review variance > XXX% variance allowed | XXX: Waived via email | XXX: Waived | XXX | months reserves XXX, LTV XXX%, DSCR XXX | D | B | C | B | D | B | C | B | N/A | N/A | D | D | C | N/A | D | D | C | N/A | D | D | C | N/A | D | D | C | N/A | D | D | C | N/A | B | B | B | N/A | B | B | B | N/A | B | B | B | N/A | B | B | B | N/A | B | B | B | N/A | ||
| 2026040013 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Title Insurance Coverage - Inadequate Coverage | $XXX Title insurance coverage < $XXX minimum coverage required | XXX: Uploaded XXX with loan amt corrected. | XXX: Received | XXX | D | B | C | A | D | B | C | B | N/A | N/A | D | D | C | N/A | D | D | C | N/A | D | D | C | N/A | D | D | C | N/A | D | D | C | N/A | B | B | B | N/A | B | B | B | N/A | B | B | B | N/A | B | B | B | N/A | B | B | B | N/A | |||
| 2026040587 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Closing Documentation Missing or Defective | Prepayment penalty not allowed per guidelines. The state of XXX allows the following PPP: Allowed; XXX% maximum; Allowed up to XXX years after the first payment. The PPP in file is XXX months for XXX months. Closing disclosure states $XXX which exceeds the XXX% maximum. | XXX: Note | XXX: Received | XXX | C | B | C | A | C | B | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | |||
| 2026040587 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > XXX% max allowed for short-term rentals qualified based on AirDNA income | XXX:XXX | XXX: Waived | XXX | FICO XXX, DSCR XXX, months reserves XXX | C | B | C | B | C | B | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | ||
| 2026040584 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040036 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Insufficient Assets to Close | For accounts #XXX, #XXX, and #XXX borrower does not have XXX% ownership in any of the XXX to use funds. The borrower owns XXX% of XXX , XXX% in XXX and XXX% in XXX. Per guidelines "Borrower must be the sole proprietor or minimumXXX% owner of the business (or all borrowers combined ownXXX%)" to be used for reserves. | XXX: XXX | XXX: Waived | XXX | FICO XXX, LTV XXX%, XXX months reserves | C | B | C | B | C | B | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | ||
| 2026040020 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Short Term Rental Income - Missing or Defective | Audit DSCR of .XXX does not align with client DSCR of XXX. Using STR income of $XXX from XXX, XXX and XXX, which does not align with client tape's STR income of $XXX taken from 1007. Per guidelines for refinance STR transactions, qualifying income must be derived from "a XXX-month statement from XXX or other national rental company plus XXX-month bank statements to show receipt of the income." TRP cannot use value from 1007. | XXX: Reviwed as XXX | XXX: Received | XXX | C | A | C | A | A | A | C | A | N/A | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040581 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040594 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040601 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040597 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Note Missing or Defective | Prepayment penalty not allowed per guidelines. For the state of Illinois, loans with XXX < XXX% must be "Soft" and the PPP in file is "Hard" which is not allowed per guidelines. | XXX: XXX | XXX: Waived | XXX | FICO XXX, DSCR XXX, LTV XXX% | C | B | C | B | C | B | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | ||
| 2026040588 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Closing Protection Letter Missing or Defective | Missing closing protection letter | XXX: XXX | XXX: Received | XXX | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040598 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040602 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | Hazard insurance policy is missing XXX verbiage in the mortgagee clause after lender's name. Please provide updated XXX with XXX verbiage | XXX: attached XXX | XXX: Received | XXX | C | A | C | A | A | A | C | A | N/A | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040037 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Title Insurance Coverage - Inadequate Coverage | $XXX Title insurance coverage < $XXX minimum coverage required | XXX: Title | XXX: Received | XXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040051 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | Hazard insurance policy is missing XXX XXX in the mortgagee clause after lender's name. Please provide updated XXX with XXX verbiage | XXX: Hazard | XXX: Received | XXX | C | A | C | A | A | A | C | A | N/A | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040603 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040059 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040104 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | Hazard insurance policy is missing XXX in the mortgagee clause after lender's name. Please provide updated XXX with XXX verbiage | XXX: Hazard | XXX: Received | XXX | C | A | C | A | A | A | C | A | N/A | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040079 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040111 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | Hazard Insurance in file not effective for XXX days after the date of funding. Please provide updated Hazard Insurance. | XXX: Hazard | XXX: Received | XXX | C | A | C | A | A | A | C | A | N/A | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040119 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | XXX is missing mortgagee clause after lender's name. Please provide updated XXX with XXX verbiage | XXX: Hazard | XXX: Received | XXX | C | A | C | A | A | A | C | A | N/A | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040016 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Report Missing or Defective | Missing credit report for subject borrower: XXX | XXX: CR | XXX: Received | XXX | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040651 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive Cash-Out Refinance | $XXX Cash to Borrower > $XXX minimum Limit | XXX: Waived via XXX | XXX: Waived | XXX | FICO XXX, LTV XXX%, XXX | D | B | B | B | B | B | D | A | N/A | N/A | D | B | D | N/A | D | B | D | N/A | D | B | D | N/A | D | B | D | N/A | D | B | D | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | ||
| 2026040651 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Market Rent - Missing or Defective | Missing 1007 for subject property | XXX: XXX | XXX: Received | XXX | D | B | D | A | B | B | D | A | N/A | N/A | D | B | D | N/A | D | B | D | N/A | D | B | D | N/A | D | B | D | N/A | D | B | D | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | |||
| 2026040094 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum coverage required | XXX: XXX | XXX: Received | XXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040181 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040142 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Entity Documentation - Missing or Defective | Operating agreement in file for XXX does not reflect the subject borrower: XXX as a member. | XXX: XXX | XXX: Received | XXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040027 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Report Missing or Defective | Missing credit report for borrower : XXX | XXX: XXX | XXX: Received | XXX | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040041 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: XXX | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040095 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Hazard Insurance Missing or Defective | $XXX insurance coverage < $XXX minimum insurance required. Please provide updated insurance or replacement cost | XXX: XXX | XXX: Received | XXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040125 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040019 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040117 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040097 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Report Missing or Defective | Missing credit reports for subject borrowers: XXX and XXX | XXX: CR | XXX: Received | XXX | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040046 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Title Insurance Missing or Defective | Preliminary title report in file is missing mortgagee clause after lender's name and coverage amount. Please provide title supplement report with XXX after mortgagee clause and coverage | XXX: XXX | XXX: Received | XXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040161 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040663 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040149 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Hazard Insurance Missing or Defective | XXX is missing mortgagee clause after lender's name. Please provide updated XXX with XXX verbiage | XXX:Hazard | XXX: Received | XXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040112 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040599 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Closing Protection Letter Missing or Defective | Missing Closing Protection Letter (CPL). | XXX: Title | XXX: Received | XXX | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040664 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040028 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040070 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040175 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Closing Protection Letter Missing or Defective | Closing Protection Letter and Title in file are missing mortgage clause after lender's name. Please provide updated CPL and Title with XXX verbiage. | XXX: XXX & XXX | XXX: Received | XXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040086 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040151 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Non-Occupant Borrower Requirements Not Met | Subject borrower does not own her Primary residence | XXX: Waived via XXX | XXX: Waived | XXX | FICO XXX, LTV XXX%, XXX | B | B | B | B | B | B | A | A | N/A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | ||
| 2026040038 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Report Missing or Defective | Missing credit reports for Subject borrower: XXX | XXX: Credit | XXX: Received | XXX | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040090 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040143 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040087 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Closing Protection Letter Missing or Defective | Closing Protection Letter is missing mortgagee clause after lender's name. Please provide updated CPL with XXX verbiage. | XXX: Uploaded XXX. | XXX: Received | XXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040177 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040126 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040147 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Event – Requirement Not Met | Provided Credit Report Reflects XXX Late Payment Dated : XXX. Per Guideleines, A Maximum Of XXX Late payments are Allowed. | XXX: Uploaded an XXX - we have XXX months of on-time payments. | XXX: Received | XXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040238 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040109 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040217 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040089 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040608 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Title Insurance Missing or Defective | Title Commitment XXX is missing mortgagee clause after lender's name. Please provide updated XXX with XXX verbiage. | XXX: Title | XXX: Received | XXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040192 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040136 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040179 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040224 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040654 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040042 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040010 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040148 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Report Aged | XXX days > XXX days minimum requirement for credit report age. Please provide updated credit report for subject borrower: XXX. | XXX: Credit | XXX: Received | XXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040225 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040155 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040157 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040612 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Closing Protection Letter Missing or Defective | Missing Closing Protection Letter (CPL). | XXX: XXX | XXX: Received | XXX | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040198 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Title Insurance Missing or Defective | XXX days > XXX days limit for Title report age. Please provide updated Title report for subject Property: XXX. | XXX: XXX | XXX: Received | XXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040122 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040159 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040092 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040167 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Entity Documentation - Missing or Defective | Please provide an updated operating agreement or resolution for the XXX signed by both members: XXX. | XXX: XXX | XXX: Received | XXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040121 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040266 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040172 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040230 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040209 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040229 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040193 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Security Instrument Missing or Defective | Missing Mortgage/ Deed of Trust for subject property: XXX. | XXX: Uploaded | XXX: Received | XXX | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040193 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Closing Disclosure/Settlement Statement Missing or Defective | Missing Closing Disclosure / settlement statement for subject property: XXX. | XXX: Uploaded | XXX: Received | XXX | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040248 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040610 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040311 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040262 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040133 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Closing Protection Letter Missing or Defective | Missing closing protection letter (CPL) in file. | XXX: XXX | XXX: Received | XXX | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040195 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040203 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040243 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040299 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040241 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040273 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040285 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040272 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040184 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040250 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040200 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Report Aged | FICO scores in file are aged. The credit report supplement provided does not include updated FICO scores | XXX: Credit report | XXX: Received | XXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040338 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040923 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Appraisal was delivered "as is" however the appraiser does reference considerable deferred maintenance throughout the exterior of the property. trim damage, exterior structures no longer in use showing need of repair, damaged XXX. The appraiser did take these items into consideration in value assessment and no repairs are needed that effects habitation. | Per the appraisal, the structures are not contiguous to the XXX, are minor in scope of the entire project, and are not required repairs for habitation in the home. Additionally, the condition of these items was considered in the overall reconciliation of value.; The issue with the property has been resolved. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040923 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Loan does not conform to program guidelines | Missing required secondary valuation (SSR CU score of XXX or below, CDA/ARR, or equivalent secondary valuation report) per XXX Credit Guidelines. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 2026040056 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements The credit report reflects a collection account that last report XXX. The account has been paid in full. Per XXX - No collection accounts allowed in the past XXX months. | Document Uploaded. Uploaded XXX - exception. | XXX | Lender exception for collection within XXX months approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026040056 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040056 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established XXX and appraisal requirements met. Exception downgraded to a A. | Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026040708 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete The Mortgage "Transfer of Rights in the Property" section, shows property is in XXX County. The mortgage attached legal description, title legal description, appraisal and Flood cert show XXX. Please correct and provide documentation with corrections. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. ; Document Uploaded. | XXX | XXX Affidavit for the subject mortgage correcting to XXX received. Condition cleared.; Corrected Instrument received was for the initial mortgage dated XXX vs. the subject loan that just closed XXX. Please provide a correction for the Deed of Trust recorded in XXX on XXX under instrument XXX (which is the subject loan). Thank you.; Correction Instrument uploaded on XXX appears to be for a different loan/borrower. Please provide a Corrected Instrument for the subject loan. Thank you.; The Correction Instrument attached was for the original mortgage dated XXX vs. correcting the subject mortgage dated XXX. Please provide the XXX for the subject loan mortgage. Thank you. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040708 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required. The initial CD is missing from the loan file. The earliest CD in file is dated XXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing Borrower received within the required XXX days prior to consummation XXX. This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. | Document Uploaded. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040708 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040709 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Property | Ineligible Property | The appraisal reflects the subject is XXX acres. Per guidelines the maximum of XXX (XXX) acres is allowed. The property is ineligible. | Document Uploaded. | XXX | Lender exception approval provided for XXX with Guideline Max XXX Acres. Compensating factors: Qualifying Credit Score is XXX, DTI XXX%, Borr with employer for XXX years, Reserves of XXX Months, and Residual Income of $XXX. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | B | C | A | C | B | C | B | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | |
| 2026040709 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The Lender requires a Mortgage/Rental pay history of XXX. Per Final 1003 the borrower has been renting for XXX months at $XXX per month. The file is missing proof of the rental payments. Please provide proof of the XXX months rental payments. | Document Uploaded. 1. Ineligible Property Due to XXX max allowed XXX - XXX uploaded to clear acreage XXX. Pay history, prior is XXX on credit attached to XXX, Current XXX Mo XXX from rental XXX ; Document Uploaded. Please see revised XXX from XXX.; Document Uploaded. | XXX | Housing History Meets Guideline Requirements; Requirement for current housing rental payment history has been escalated to management. After additional review, it has been determined by management that the borrower's primary housing payment history is required. Please provide the Borrower's current XXX month rental payment history. Thank you.; Per Section XXX of Lender Guidelines, a XXX month housing payment history with a max XXX is allowed. While the borrower has XXX with other mortgages that meet that requirement, the final 1003 reflected the Borrower currently rents their primary residence for XXX/mo yet that payment history is not in file to confirm a max of XXX. Please provide the borrower's current primary rental payment history. Thank you. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | A | C | A | C | B | C | B | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | |
| 2026040709 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure required. Refund in the amount of $XXX; cure package requires PCCD, LOE, Copy of refund Check and Proof of Delivery and Valid XXX. The XXX tolerance violation in the amount of $XXX is due to the increase of appraisal fee from $XXX to $XXX on the CD dated XXX without valid XXX. | Document Uploaded. ; Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX; The XXX did not contain a valid reason for the increase in appraisal fee. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
C | B | C | B | C | A | C | B | C | B | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | |
| 2026040709 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX compliant | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | A | C | B | C | B | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | |||
| 2026040709 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
C | B | A | A | C | A | C | B | C | B | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | |||
| 2026040711 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 XXXrd Party VOE Prior to Close Missing. Missing VVOE dated XXX days within note date | Document Uploaded. ; Document Uploaded. | XXX | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX).; The XXX provided has an effective/current as of date of XXX. Please provide a current VVOE. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040711 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | Missing addendum with updated closing date | Document Uploaded. Pls re-look at Dates Contract as the Info closing XXX and loan closed XXX | XXX | Contract reflects estimated closing date of XXX. Condition resolved. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040711 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040711 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX. Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040710 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Hazard Insurance Missing or Defective | Hazard Insurance effective date of XXX is after the disbursement date of XXX. Please provide updated coverage with an effective date on or before the disbursement date. | XXX: uploaded renewal | XXX: Current and XXX received, clear | XXX | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040573 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Ineligible Property – Zoning Non-compliance | Subject property is zoned commercial. Per guidelines, zoning violations including residential properties zoned commercial are ineligible property type. | XXX: While the XXX and XXX Description are noted in the appraisal, the XXX is XXX, legally permitted under prior zoning and still allowed to continue – ie. grandfathered, the subject property is being used, as a XXX dwelling, in its highest and best use and is readily marketable as a XXX dwelling, as compared to other XXX-XXX noted in the XXX section of the Appraisal, and there is no adverse impact from the current zoning which significantly/negatively impacts value or impairs marketability of the subject property. | XXX: Confirmed property is XXX, nonconforming and highest, best use is a XXX, clear | XXX | C | A | C | A | A | A | C | A | N/A | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040572 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040570 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040571 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XXX: Clear | XXX: Clear | XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 2026040604 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) XXX with XXX #XXX was removed from the final 1003 resulting in insufficient reserves. Please provide corrected final 1003 and proof of XXX% ownership in business to include the asset. Thank you. | Business funds were added at XXX%. Reserves met. ; Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); Lender is utilizing the business funds from XXX - per Sec of XXX - confirmed XXX% ownership. | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040604 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. XXX with XXX #XXX was removed from the final 1003 resulting in insufficient reserves. Please provide corrected final 1003 and proof of XXX% ownership in business to include the asset. Thank you. | Business funds were added at XXX%. Reserves met. ; Audited Reserves of XXX are equal to or greater than XXX Required Reserves of $XXX; Lender is utilizing the business funds from XXX - per Sec of XXX - confirmed XXX% ownership. | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040604 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Debt ratio exceeds guidelines - Please provide an explanation of liability total on the 1008. Audit excluded the XXX and XXX payment that are document being paid by the business. Based on the excluded accounts the DTI still exceeds the XXX% Maximum allowed. | Document Uploaded. | XXX | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Final Settlement Statement for refinance of XXX received and confirms XXX and XXX debts were paid in full. Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%. Condition cleared.; XXX Agreement provided does not reflect a disbursement schedule. Please provide XXX Loan Disbursement Schedule to confirm XXX and XXX were paid off with the net proceeds. Thank you.; Document Uploaded. | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040604 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset 5 Does Not Meet Guideline Requirements | Asset XXX Does Not Meet Guideline Requirements Missing source of assets listed on 1003. Other - Other non liquid assets for $XXX | Asset XXX Meets Guideline Requirements Or Not Applicable; Final Settlement Statement for refinance of XXX confirming net proceeds of XXX received. Condition cleared.; Document Uploaded. ; XXX Agreement provided does not reflect a disbursement schedule. Please provide XXX Loan Disbursement Schedule to confirm net proceeds to Borrower of XXX. Thank you.; Document Uploaded. | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040604 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset 5 Missing | Asset 5 Missing Missing source of assets listed on 1003. Other - Other non liquid assets for $XXX | Asset XXX Provided Or Not Applicable; Final Settlement Statement for refinance of XXX confirming net proceeds of XXX received. Condition cleared.; Document Uploaded. ; XXX provided does not reflect a disbursement schedule. Please provide XXX Loan Disbursement Schedule to confirm net proceeds to Borrower of XXX. Thank you.; Document Uploaded. | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026040604 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset 4 Does Not Meet Guideline Requirements | Asset XXX Does Not Meet Guideline Requirements Asset XXX-is the Funds to the borrower at sale of the XXX. Provide a signed Closing Statement and proof the funds being wired to the closing agent. | Document Uploaded. XXX. We just transferred the sale funds within house to the purchase. No wire. Attached is the final for the sale. | XXX | Asset XXX Meets Guideline Requirements Or Not Applicable; Final Settlement Statement received confirming net proceeds for the sale of XXX. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040604 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset 3 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements Asset XXX - Acct #XXX is owned by a business. Per Statement of Information for the business the account is co-owned with a third party. Provide proof of ownership and a signed account access letter from the co-owner to verify the B2 has XXX% access to the business funds. | Document Uploaded. upld revised 1003 only used XXX % | XXX | Asset Record XXX Meets G/L Requirements Or Not Applicable; Updated 1003 received removing XXX XXX and revised net proceeds from refinance and sale of both XXX. Condition cleared.; XXX is listed as being under the name of XXX and XXX% of those funds were used to qualify as reflected on the 1003. XXX of XXX filing in file suggests XXX is not XXX% owner of that business. Please provide documentation to confirm B2's percentage of ownership in XXX (upon receipt the available balance will be adjusted accordingly). Thank you.; Document Uploaded. | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040604 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Final CD: Projected Payments Table Payment Calculation is missing or inaccurate | Note states that terms have XXX interest only term. However, this is not reflected on the Final CD dated XXX. Cure requires a PCCD, LOE and proof of delivery to the borrower to correctly display the terms that are on the Note |
Document Uploaded. This is the CD used for docs (XXX). The funding date moved from the XXX to the XXX, so we had to produce an updated CD. Page XXX has the documentation you are looking for. ; Document Uploaded. The attached CD from XXX attached has the correct payment breakdown. Page XXX XXX box down under Monthly P&I and under Projected Payments. | XXX | Client provided a CD dated for XXX and advised was sent to the borrower prior to XXX review. CD was input for testing and exception is resolved.; CD is dated the same date as consummation CD, if this CD was provided to the borrower prior to close, provide documentation; If the CD is provided to the borrower after consummation, please provide the XXX sent with the CD | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040604 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1XXXrd Party VOE Prior to Close Missing Provide XXXrd Party VOE dated within XXX-days of the closing date. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided; Borrower 1 3rd Party VOE Prior to Close Missing | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040604 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 XXXrd Party VOE Prior to Close Missing Provide XXXrd Party VOE dated within XXX-days of the closing date. | Document Uploaded. | XXX | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX); Borrower 2 3rd Party VOE Prior to Close Missing | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040604 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide proof of PITIA for property located at XXX and a final signed copy of the new XXX Disbursement that verifies the Acct #XXX was paid at disbursement. | Document Uploaded. | XXX | PITIA for XXX documented. Condition cleared.; Settlement Statement for refinance of XXX received confirming payoff of XXX, however, we still need documentation to confirm the Taxes, HOI, and HOA of XXX/mo reflected on the final 1003. Thank you.; Document Uploaded. ; Signed XXX received for new financing on XXX. Please provide documentation to confirm taxes, insurance and XXX dues along with XXX to confirm payoff of XXX/XXX; Document Uploaded. | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040604 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing explanation and supporting documentation for large deposit(s) | Missing source of large deposit of $XXX on XXX into XXX | Document Uploaded. | XXX | Source of large deposit received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026040604 | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |