Exhibit 99.42

Loan ID

Customer Loan ID

Seller Loan ID

Note Date

Original Loan Amount

Last Name

Property State

Occupancy

Purpose

Originator QM Status

TPR QM Status

Exception ID

Exception Number

Exception Date

Exception Type

Exception Subcategory

Exception

Exception Remedy

Rebuttal

TPR Response

Compensating Factors

Status Update Date

Finding Status

Initial Exception Grade

Final Exception Grade

Initial Loan Grade

Final Loan Grade

2026040746

XXX

ATR/QM: Exempt

XXX

1 of 4

XXX

Credit

XXX - Borrower/Business Entity Ineligibility

Missing evidence of XXX for XXX. Please provide operating statement and evidence of business in borrowers name

Document Uploaded. borrower is XXX% owner , operating agreement need for XXX% ownership on XXX in XXX
In XXX, an operating agreement is not legally required for XXX formation. However, it is highly recommended for single-member XXX to protect personal assets and establish clear internal governance. While the XXX Code does not mandate a written agreement, having one can be beneficial for clarity on decision-making processes and operational guidelines. It can also be critical in resolving disputes or defending the XXX limited liability status in legal proceedings - XXX

Documents provided. Borrower is XXX% owner. Condition resolved. - XXX
Document Uploaded. borrower is XXX% owner , operating agreement need for XXX% ownership on XXX
In XXX, an XXX is not legally required for XXX. However, it is highly recommended for single-member XXX to protect personal assets and establish clear internal XXX. While the XXX Code does not mandate a written agreement, having one can be beneficial for clarity on decision-making processes and operational guidelines. It can also be critical in resolving disputes or defending the XXX limited liability status in legal proceedings - XXX

XXX

Resolved

2026040746

XXX

ATR/QM: Exempt

XXX

2 of 4

XXX

Credit

Missing VOM or VOR

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Provide VOM for subject property with XXX

Document Uploaded. VOM for XXX - XXX

VOR/VOM provided. Condition resolved. - XXX
Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - XXX
Document Uploaded. VOM for XXX -XXX

XXX

Resolved

2026040746

XXX

ATR/QM: Exempt

XXX

3 of 4

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040746

XXX

ATR/QM: Exempt

XXX

4 of 4

XXX

Property

Value - Value is supported within XXX% of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040800

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

XXX

Cleared

2026040800

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040800

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040822

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040822

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040822

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Credit

XXX - Guidelines Conformity

The subject loan does not conform to program guidelines. Housing - Borrowers living rent-free with any XXX other than a XXX are not eligible and may only be considered on an exception basis (Rent free letter in file is from XXX) No Exception requested/Approved in file

Document Uploaded. Supporting Document - XXX

Doc provided. Condition resolved. - XXX
Document Uploaded. Supporting Document - XXX

XXX

Resolved

2026040826

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040826

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

XXX

Cleared

2026040826

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040853

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040853

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Credit

Asset Qualification Does Not Meet Guideline Requirements

Asset Qualification does not meet guideline requirements. Unable to locate the XXX asset statements for accounts XXX and XXX. Please provide these asset statements.

Document Uploaded. XXX - XXX

Asset docs provided. Condition resolved. -XXX
Document Uploaded. XXX - XXX

XXX

Resolved

2026040853

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Property

Appraisal is Missing

The file is missing the appraisal. Unable to locate the appraisal report. Please provide a satisfactory appraisal report and 1007 supporting rental income of XXX.

Document Uploaded. Appraisal and 1007 - XXX

Appraisal provided. Condition resolved. - XXX
Document Uploaded. Appraisal and 1007 -XXX

XXX

Resolved

2026040857

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

XXX

Cleared

2026040857

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040857

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040881

XXX

Non-QM: Lender documented all ATR UW factors

ATR/QM: Exempt

XXX

1 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040881

XXX

Non-QM: Lender documented all ATR UW factors

ATR/QM: Exempt

XXX

2 of 3

XXX

Credit

XXX - Guidelines Conformity

The subject loan does not conform to program guidelines. Guidelines require minimum square footage of XXX and at least XXX bedroom - exception is for XXX

Fico XXX min XXX
XXX months reserves XXX months required
Stable wage earner with XXX years of supporting XXX
Ratios are XXX/XXX not using rental income to qualify
Property is in short term rental market
This type of XXX conversion to a XXX unit is common to the area

XXX

Waived

2026040881

XXX

Non-QM: Lender documented all ATR UW factors

ATR/QM: Exempt

XXX

3 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040884

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040884

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040884

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

XXX

Cleared

2026040889

XXX

ATR/QM: Exempt

XXX

1 of 5

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040889

XXX

ATR/QM: Exempt

XXX

2 of 5

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040889

XXX

ATR/QM: Exempt

XXX

3 of 5

XXX

Credit

XXX - Guidelines Conformity

The subject loan does not conform to program guidelines. The subject property was listed through XXX. The application date is XXX. Guidelines cite the property must be removed from listing for at least XXX month prior to application. A formal exception is in the file

Loan approved based on credit score, DSCR, reserves and excellent credit profile.

XXX

Waived

2026040889

XXX

ATR/QM: Exempt

XXX

4 of 5

XXX

Credit

Audited LTV Exceeds Guideline LTV

Audited LTV exceeds guideline LTV. The loan amount is XXX with an LTV of XXX%. Guidelines cite the maximum LTV is XXX% for a loan amount less than XXX. A formal exception is in the file.

Loan approved based on credit score of XXX, DSCR of XXX, XXX months reserves and excellent credit profile.

XXX

Waived

2026040889

XXX

ATR/QM: Exempt

XXX

5 of 5

XXX

Credit

Housing History Does Not Meet Guideline Requirements

Housing history does not meet guideline requirements. The borrower lives rent free. The mortgage history for the subject property is less than XXX months and the mortgages listed on the loan application for other XXX are not reporting on the credit report. Guidelines cite Borrowers who do not have a complete XXX-month housing history are ineligible for the program. In addition, missing a rent free letter from the homeowner of the borrower's primary residence.

Document Uploaded. Rent Free Letter. -XXX

Housing history meets guideline requirements. - XXX
Rent Free Letter provided. Condition resolved. - XXX
Document Uploaded. Rent Free Letter. - XXX

XXX

Resolved

2026040906

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Property

Missing HOA/XXX Certification

Missing a complete copy of the XXX XXX approval for XXX. It appears XXX approved it on XXX, but portions of the XXX is missing.

Document Uploaded. XXX - XXX

CPM approval provided. Condition resolved. - XXX
Document Uploaded. CPM - XXX

XXX

Resolved

2026040906

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040906

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

XXX

Cleared

2026040911

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040911

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040911

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

XXX

Cleared

2026040935

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040935

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040935

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

XXX

Cleared

2026040938

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040938

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040938

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

XXX

Cleared

2026040728

XXX

ATR/QM: Exempt

XXX

1 of 5

XXX

Compliance

The Note is Missing

The Note is missing. Unable to locate a copy of the Note. Please provide a fully executed copy of the Note.

Resolved condition in error. This is a compliance condition. -XXX
Document Uploaded. Supporting Document - XXX

Note received - XXX
Resolved condition in error. This is a compliance condition. - XXX
The Note has been provided. - XXX
Received note - XXX
Document Uploaded. Supporting Document - XXX

XXX

Resolved

2026040728

XXX

ATR/QM: Exempt

XXX

2 of 5

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040728

XXX

ATR/QM: Exempt

XXX

3 of 5

XXX

Credit

Borrower 1 Deed of Trust Signature does not match Note

Borrower 1 Signature does not match Note Signature. Unable to determine if the signatures match the Note as the Note is missing. The Deed of Trust (DOT) indicates the borrower is XXX, but the DOT is signed by XXX and XXX as XXX. The loan file only contains XXX loan application for XXX. Unable to determine if the DOT is signed correctly.

Document Uploaded. Supporting Document - XXX

Note provided. Condition resolved. - XXX
Document Uploaded. Supporting Document - XXX

XXX

Resolved

2026040728

XXX

ATR/QM: Exempt

XXX

4 of 5

XXX

Credit

XXX: EIN Doc is Missing

The loan file does not contain the XXX: EIN documentation. Missing the EIN for XXX.

Document Uploaded. Supporting Document - XXX

Corporation/LLC: EIN documentation provided. Condition resolved. - XXX
Document Uploaded. Supporting Document - XXX

XXX

Resolved

2026040728

XXX

ATR/QM: Exempt

XXX

5 of 5

XXX

Credit

XXX: Certificate of Good Standing Doc is Missing

The loan file does not contain the XXX: Certificate of Good Standing. Missing a Certificate of Good Standing and XXX for XXX.

Document Uploaded. Supporting Document - XXX

Received satisfactory documentation - XXX
Condition upheld. Missing XXX for XXX. -XXX
Document Uploaded. Supporting Document - XXX

XXX

Resolved

2026040730

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040730

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

XXX

Cleared

2026040730

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040733

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

XXX

Cleared

2026040733

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040733

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040735

XXX

ATR/QM: Exempt

XXX

1 of 4

XXX

Property

Loan Purpose is Purchase but Purchase Contract Doc is Missing

Loan purpose is purchase and valuation type of purchase contract has not been selected. Provide missing Purchase Contract

Document Uploaded. Supporting Document - XXX

Purchase contract/Addendum provided. Condition resolved. - XXX
Purchase Contract Doc is not Missing, or is Not Applicable. - XXX
Document Uploaded. Supporting Document -XXX

XXX

Resolved

2026040735

XXX

ATR/QM: Exempt

XXX

2 of 4

XXX

Credit

Eligibility - Borrower Identity

The loan file reflected potential identity issues. provide missing XXX: IDENTIFICATION CERTIFICATION for borrower XXX

Document Uploaded. Supporting Document - XXX

PATRIOT ACT: IDENTIFICATION CERTIFICATION provided. Condition resolved. - XXX
Document Uploaded. Supporting Document - XXX

XXX

Resolved

2026040735

XXX

ATR/QM: Exempt

XXX

3 of 4

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040735

XXX

ATR/QM: Exempt

XXX

4 of 4

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040743

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040743

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040743

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

XXX

Cleared

2026040753

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040753

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040753

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

XXX

Cleared

2026040791

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040791

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040791

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

XXX

Cleared

2026040801

XXX

QM: Safe Harbor APOR (APOR SH)

XXX

1 of 3

XXX

Compliance

No Compliance Findings

The loan meets all applicable compliance guidelines.

XXX

Cleared

2026040801

XXX

QM: Safe Harbor APOR (APOR SH)

XXX

2 of 3

XXX

Credit

Title Coverage is Less than XXX Total

Title coverage is less than total amount of subject lien(s). Provide title supplement showing minimum XXX coverage is XXX.

Document Uploaded. Supporting Document - XXX

Update XXX report provided. Condition resolved. - XXX
Update XXX report provided. Condition resolved. - XXX
Document Uploaded. Supporting Document - XXX

XXX

Resolved

2026040801

XXX

QM: Safe Harbor APOR (APOR SH)

XXX

3 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040803

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040803

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040803

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

XXX

Cleared

2026040808

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Credit

Business Purpose - Loan Guaranty/Missing

The XXX Guaranty is missing.

Document Uploaded. Supporting Document -XXX

The Personal Loan Guaranty is not missing. - XXX
B1 signed as individual and is the sole member of the entity. Personal Loan Guaranty not required. Condition resolved. - XXX
Document Uploaded. Supporting Document - XXX

XXX

Resolved

2026040808

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Property

Missing Doc - XXX Party Valuation Product/Missing

The loan file did not contain the required XXX.

Document Uploaded. Supporting Document - XXX

3rd party valuation provided. Condition resolved. - XXX
Document Uploaded. Supporting Document - XXX

XXX

Resolved

2026040808

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Compliance

Missing Deed of XXX

Missing XXX

Document Uploaded. recorded mortgage including XXX - XXX

Executed XXX & XXX provided; finding resolved -XXX
Document Uploaded. recorded mortgage including XXX - XXX

XXX

Resolved

2026040809

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Credit

Business Purpose - Loan Guaranty/Missing

The XXX Guaranty is missing. Please provide executed Guaranty Agreement

Document Uploaded. Supporting Document - XXX

TheXXX is not missing. -XXX
Condition set in error. Borrower signed as individual and as a Member of the XXX. Not required. - XXX
The Personal Loan Guaranty is not missing. - XXX
Document Uploaded. Supporting Document -XXX

XXX

Resolved

2026040809

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040809

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040814

XXX

ATR/QM: Exempt

XXX

1 of 4

XXX

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

XXX

Cleared

2026040814

XXX

ATR/QM: Exempt

XXX

2 of 4

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040814

XXX

ATR/QM: Exempt

XXX

3 of 4

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040814

XXX

ATR/QM: Exempt

XXX

4 of 4

XXX

Property

Missing Doc - XXX Party Valuation Product/Missing

The loan file did not contain the required XXX . Originator to provide a CU or LCA with a score of XXX or less.

XXX

Void

2026040828

XXX

ATR/QM: Exempt

XXX

1 of 4

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040828

XXX

ATR/QM: Exempt

XXX

2 of 4

XXX

Credit

XXX - Guidelines Conformity

The subject loan does not conform to program guidelines. Pg XXX- request to proceed with only the most recent XXX months houing payment history. There is a XXX in housing payment history from XXX through XXX because borrower was outside the XXX a XXX

Credit Score: XXX Credit History: great credit Reserves (months): XXX DSCR: XXX

XXX

Waived

2026040828

XXX

ATR/QM: Exempt

XXX

3 of 4

XXX

Credit

Assets - Large Deposits

The loan file does not contain all required asset documentation. Asset statements in file verified a large deposit which when removed from assets results in a shortage and the loan file does not contain sufficient documentation to source the deposit. Provide source of large deposit XXX on XXX into XXX

Document Uploaded. Supporting Document - XXX

Docs provided. Condition resolved. - XXX
Document Uploaded. Supporting Document - XXX

XXX

Resolved

2026040828

XXX

ATR/QM: Exempt

XXX

4 of 4

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040837

XXX

ATR/QM: Exempt

XXX

1 of 6

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040837

XXX

ATR/QM: Exempt

XXX

2 of 6

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040837

XXX

ATR/QM: Exempt

XXX

3 of 6

XXX

Credit

Program Parameters - Number of Financed Properties

The subject loan does not meet XXX for number of XXX. The number of XXX owned exceeds the max allowed financed properties per guidelines. Approved exception present in file for XXX properties finance with lender.

Long term employment. Ltv XXX% or more below maximum.

XXX

Waived

2026040837

XXX

ATR/QM: Exempt

XXX

4 of 6

XXX

Credit

XXX Payment Letter Missing

The XXX in the file reflect the address of XXX, but the Total Monthly Payment coincide with the properties located at XXX, XXX, XXX, XXX, and XXX. Please provide the updated XXX.

Document Uploaded. please note that every first payment letter will have the borrowers primary address on page #XXX (that is where the payment letter is mailed) ... the property address would be on page #XXX - XXX

Payment letter provided. Condition resolved. - XXX
Document Uploaded. please note that every first payment letter will have the borrowers primary address on page #XXX (that is where the payment letter is mailed) ... the property address would be on page #XXX - XXX

XXX

Resolved

2026040837

XXX

ATR/QM: Exempt

XXX

5 of 6

XXX

Credit

XXX - HOA Dues

The file does not contain documentation supporting the XXX. The XXX statements for the following properties are missing from the loan file: XXX, XXX, XXX, XXX, XXX, XXX, and XXX, as well as XXX and XXX.

All XXX payment letters have been provided. Condition resolved. - XXX
Document Uploaded. please note that every first payment letter will have the borrowers primary address on page #XXX (that is where the payment letter is mailed) ... the property address would be on page #XXX - XXX

XXX

Resolved

2026040837

XXX

ATR/QM: Exempt

XXX

6 of 6

XXX

Credit

Liabilities - XXX

The loan file did not contain sufficient documentation to verify debts associated with all other properties. Per the final 1003 the following properties are mortgaged by XXX: XXX, XXX, XXX, XXX, XXX, XXX, and XXX. Please provide the mortgage statement or final CD and XXX for these properties.

Document Uploaded. 1. XXX
2. XXX
3. XXX
4. XXX
5. XXX
6. XXX
7. XXX - XXX

A copy of all Note's and XXX payment letters have been provided. Condition resolved. - XXX
Document Uploaded. 1. XXX
2. XXX
3. XXX
4. XXX
5. XXX
6. XXX
7. XXX - XXX

XXX

Resolved

2026040843

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040843

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040843

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

XXX

Cleared

2026040844

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040844

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

XXX

Cleared

2026040844

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040845

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040845

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Property

Missing Doc - XXX Party Valuation Product/Missing

The loan file did not contain the required XXX. Please note that the XXX has expired, please provide updated XXX. Desktop valuation expired XXX

An updated 3rd party review product is not needed as the 1004D supports the value of the original appraisal report, which was validated by the CDA on XXX. - XXX

XXX

Void

2026040845

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

XXX

Cleared

2026040846

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Compliance

XXX is Missing

The file is missing the XXX.

Document Uploaded. Investor response - XXX

XXX. Mortgage contains assignment of rents XXX - XXX
Document Uploaded. Investor response - XXX

XXX

Resolved

2026040846

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040846

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

XXX

Cleared

2026040864

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040864

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040864

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

XXX

Cleared

2026040873

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Credit

Evidence of Property Tax Missing

Missing evidence of property tax. Lender to provide documentation of current property tax.

Document Uploaded. Supporting Document - XXX

Tax docs provided. Condition resolved. - XXX
Document Uploaded. Supporting Document - XXX

XXX

Resolved

2026040873

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040873

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040875

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Credit

XXX - Guidelines Conformity

The subject loan does not conform to program guidelines. Guidelines require a XXX months history as a XXX. Subject property does not have a history as a XXX. A formal exception is in the file.

Loan approved based on FICO XXX min XXX, Reserves XXX months more than guidelines, XXX mortgage history since XXX.

XXX

Waived

2026040875

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040875

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040877

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040877

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

XXX

Cleared

2026040877

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040880

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040880

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040880

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Credit

XXX: EIN Doc is Incomplete

The XXX: XXX documentation in file is incomplete. Provide XXX with borrower name XXX (XXX in file have name XXX)

Document Uploaded. LOE regarding XXX names of members - XXX

XXX: EIN documentation provided. Condition resolved. - XXX
Document Uploaded. LOE regarding XXX names of members - XXX

XXX

Resolved

2026040882

XXX

Non-QM: Lender documented all ATR UW factors

XXX

1 of 7

XXX

Compliance

XXX - XXX Delivery

The XXX Disclosure Sent Date (XXX) is more than XXX business days from the Application Date (XXX). XXX business days from the Application Date is (XXX). Under 12 CFR 1024.20, not later than XXX business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of XXX that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) The initial application date is XXX, however, the XXX is dated XXX.

Received counseling disclosure -XXX
Document Uploaded. Supporting Documents - XXX

Received HCD -XXX
Received counseling disclosure - XXX
Document Uploaded. Supporting Documents - XXX

XXX

Resolved

2026040882

XXX

Non-QM: Lender documented all ATR UW factors

XXX

2 of 7

XXX

Compliance

XXX - Loan Estimate Mailed/Delivered Within XXX of Application

The Initial Disclosure Date (XXX) is more than XXX business days from the Application Date (XXX). XXX business days from the Application Date is (XXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the XXX business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The initial application date is XXX, however, the initial Loan Estimate is dated XXX, which is more than XXX business days from the initial application date.

Document Uploaded. Supporting Documents - XXX

Received XXX - XXX
Document Uploaded. Supporting Documents - XXX

XXX

Resolved

2026040882

XXX

Non-QM: Lender documented all ATR UW factors

XXX

3 of 7

XXX

Compliance

XXX - List of Settlement Service Providers Mailed/Delivered Within XXX of Application

The List of Settlement Service Providers Disclosure Date (XXX) is more than XXX business days from the Application Date (XXX). XXX business days from the Application Date is (XXX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the XXX business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(vi); 1026.19(e)(1)(iii)) The application date is XXX, however, the Written List of Service Provider List is dated XXX.

Document Uploaded. Supporting Documents - XXX

Received XXX - XXX
Document Uploaded. Supporting Documents - XXX

XXX

Resolved

2026040882

XXX

Non-QM: Lender documented all ATR UW factors

XXX

4 of 7

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040882

XXX

Non-QM: Lender documented all ATR UW factors

XXX

5 of 7

XXX

Credit

Income - Income Documentation Missing

The loan file did not contain the required income documentation. Unable to verify the borrower's additional income of XXX. File contains letters from XXX Center for XXX of XXX annually and XXX for XXX XXX. Missing documentation verifying the borrower's remaining monthly income to total XXX.

Document Uploaded. Supporting Document - XXX

WVOE provided. Condition resolved. - XXX
Document Uploaded. Supporting Document - XXX

XXX

Resolved

2026040882

XXX

Non-QM: Lender documented all ATR UW factors

XXX

6 of 7

XXX

Compliance

Insufficient Tolerance Cure

A Lender Credit for Excess Charges of ($XXX), Principal Reduction for Excess Charges of ($XXX), and general or specific lender credit increases of ($XXX) were applied to the total fee variance of ($XXX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - XXX
A Lender Credit for Excess Charges of ($XXX), Principal Reduction for Excess Charges of ($XXX), and general or specific lender credit increases of ($XXX) were applied to the total fee variance of ($XXX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. -XXX
Duplicate finding - XXX

XXX

Void

2026040882

XXX

Non-QM: Lender documented all ATR UW factors

XXX

7 of 7

XXX

Compliance

Insufficient Tolerance Cure (XXX)

A Lender Credit for Excess Charges of (XXX), Principal Reduction for Excess Charges of (XXX), and general or specific lender credit increases of (XXX) were applied to the total fee variance of (XXX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Lender credit/ lender paid fees decreased from $XXX to $XXX without a XXX

Our system is failing to remove the excess lender paid mortgage tax after loan changed to closing as XXX  Lender paid fee is correct.  - XXX
A Lender Credit for Excess Charges of ($XXX), Principal Reduction for Excess Charges of ($XXX), and general or specific lender credit increases of ($XXX) were applied to the total fee variance of ($XXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - XXX
Received XXX for the decrease in lender paid mortgage tax.  Finding resolved - XXX
Document Uploaded. closed with a XXX.  all affected fees were updated.  No cure required. -XXX

XXX

Resolved

2026040887

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Compliance

The Deed of Trust is Incomplete

The Deed of Trust is incomplete. Missing page XXX of the XXX.

Document Uploaded. RIDER - XXX

Received complete and executed riders. - XXX
Document Uploaded. RIDER -XXX

XXX

Resolved

2026040887

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Credit

Housing History Does Not Meet Guideline Requirements

Housing history does not meet guideline requirements. Unable to verify the mortgage loans reflected on the property profile for the borrower's primary residence have been paid in full. Please provide evidence the mortgages (XXX XXX on XXX and XXX XXX on XXX) have been paid or a XXX month mortgage history for these mortgages.

Document Uploaded. The property profile is proof that the property is free and cleared. You don't see any recent transaction on the report. Please clear.
- XXX

Property profile provided. Condition resolved. - XXX
Document Uploaded. The property profile is proof that the property is free and cleared. You don't see any recent transaction on the report. Please clear.
- XXX

XXX

Resolved

2026040887

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040890

XXX

Non-QM: Lender documented all ATR UW factors

XXX

1 of 3

XXX

Compliance

No Compliance Findings

The loan meets all applicable compliance guidelines.

XXX

Cleared

2026040890

XXX

Non-QM: Lender documented all ATR UW factors

XXX

2 of 3

XXX

Credit

Borrower 2 XXX Party VOE Prior to Close Missing

Borrower 2 XXX party VOE prior to close missing. Unable to locate Verbal Verification of Employment (VVOE) for XXX. Please provide the VVOE.

Document Uploaded. XXX - XXX

3rd party VOE provided. Condition resolved. - XXX
Document Uploaded. CB VVOE - XXX

XXX

Resolved

2026040890

XXX

Non-QM: Lender documented all ATR UW factors

XXX

3 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040893

XXX

QM: Safe Harbor APOR (APOR SH)

XXX

1 of 6

XXX

Credit

Hazard Insurance Coverage Amount is less than Required Coverage Amount

Coverage Amount - Hazard insurance amount is less than required coverage amount. Hazard Coverage amount does not match or exceed the loan amount.

Document Uploaded. Supporting Document - XXX

XXX provided. Condition resolved. - XXX
Document Uploaded. Supporting Document - XXX

XXX

Resolved

2026040893

XXX

QM: Safe Harbor APOR (APOR SH)

XXX

2 of 6

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040893

XXX

QM: Safe Harbor APOR (APOR SH)

XXX

3 of 6

XXX

Compliance

XXX - XXX Delivery

The XXX Disclosure Sent Date (XXX) is more than XXX business days from the Application Date (XXX). XXX business days from the Application Date is (XXX). Under 12 CFR 1024.20, not later than XXX business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20)

Resolved - XXX

XXX

Resolved

2026040893

XXX

QM: Safe Harbor APOR (APOR SH)

XXX

4 of 6

XXX

Compliance

XXX - Loan Estimate Mailed/Delivered Within XXX Days of Application

Document Uploaded. Supporting Documents - XXX

Confirmed completed loan application, including property identified, was XXX - XXX
Resolved - XXX
Document Uploaded. Supporting Documents - XXX

XXX

Resolved

2026040893

XXX

QM: Safe Harbor APOR (APOR SH)

XXX

5 of 6

XXX

Compliance

XXX - List of Settlement Service Providers Mailed/Delivered Within XXX Days of Application

Resolved - XXX

XXX

Resolved

2026040893

XXX

QM: Safe Harbor APOR (APOR SH)

XXX

6 of 6

XXX

Credit

Missing VOM or VOR

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Please provide proof or primary residence that the property is owned free and clear.

Document Uploaded. Supporting Documents - XXX

MLS provided. Condition resolved. - XXX
Document Uploaded. Supporting Documents - XXX

XXX

Resolved

2026040895

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040895

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040895

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Credit

XXX: Names and ownership percentages for XXX & XXX is Missing

The loan file does not contain the corporate or partnership names and ownership percentages for partners and limited partners. Subject property is XXX and loan documents executed in the name of a business entity. The XXX provided do not reflect the percentage of ownership and do not show XXX XXX (XXX) as a XXX (XXX is not a XXX). Also, a non-borrower (XXX) is referenced as a Member; however, said XXX did not sign the loan documents. Missing Operating Agreement that shows XXX and XXX are the only XXX. If they are not the only XXX, an LLC Borrowing Certificate would be required. Guidelines require for XXX corporate origination documents to show who the XXX are, and an XXX when XXX are not on the loan.

Document Uploaded. Supporting Document - XXX

Docs provided. Condition resolved. -XXX
Document Uploaded. Supporting Document - XXX

XXX

Resolved

2026040897

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040897

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040897

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

XXX

Cleared

2026040904

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Credit

XXX: EIN Doc is Missing

The loan file does not contain the XXX: XXX documentation. Missing the XXX document with the XXX number included.

Document Uploaded. Supporting Document - XXX

XXX: EIN documentation provided. Condition resolved. - XXX
Document Uploaded. Supporting Document - XXX

XXX

Resolved

2026040904

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040904

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040908

XXX

Non-QM: Lender documented all ATR UW factors

XXX

1 of 3

XXX

Compliance

No Compliance Findings

The loan meets all applicable compliance guidelines.

XXX

Cleared

2026040908

XXX

Non-QM: Lender documented all ATR UW factors

XXX

2 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040908

XXX

Non-QM: Lender documented all ATR UW factors

XXX

3 of 3

XXX

Credit

XXX - Guidelines Conformity

The subject loan does not conform to program guidelines. Approved exception is present in file to use funds held in trust on asset utilization loan.

Credit score above minimum. Reserves well exceed minimum. Minimal use of revolving debt.

XXX

Waived

2026040912

XXX

ATR/QM: Exempt

XXX

1 of 4

XXX

Credit

Third Party Fraud Report not Provided

Missing third party fraud report. Missing a third party fraud report with an XXX search completed

Document Uploaded. Supporting Document - XXX

Third party fraud report is provided - XXX
3rd party fraud report provided. Condition resolved. - XXX
Document Uploaded. Supporting Document - XXX

XXX

Resolved

2026040912

XXX

ATR/QM: Exempt

XXX

2 of 4

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040912

XXX

ATR/QM: Exempt

XXX

3 of 4

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040912

XXX

ATR/QM: Exempt

XXX

4 of 4

XXX

Credit

Fraud Report Shows Uncleared Alerts

Fraud Report shows uncleared alerts. Report shows alerts that have not been addressed and cleared.

Document Uploaded. Supporting Document - XXX

Cleared Fraud Report provided. Condition resolved. - XXX
Document Uploaded. Supporting Document - XXX

XXX

Resolved

2026040917

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

XXX

Cleared

2026040917

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Credit

XXX - Guidelines Conformity

The subject loan does not conform to program guidelines. short-term rental income to qualify - A XXX% LTV reduction is required when using short-term rental income to qualify
Subject is XXX with LTV limits XXX%.

Document Uploaded. this was sent for prior exception approval with appraisal/ XXX/ XXX% LTV/ etc and we were informed that it didn’t need an exception - see attached documentation - XXX

Exception form and email stating "no exception" is needed as XXX allows STR for XXX provided. Condition resolved - XXX
Document Uploaded. this was sent for prior exception approval with appraisal/ XXX/ XXX% LTV/ etc and we were informed that it didn’t need an exception - see attached documentation - XXX

XXX

Resolved

2026040917

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040920

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040920

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040920

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

XXX

Cleared

2026040925

XXX

Non-QM: Lender documented all ATR UW factors

XXX

1 of 3

XXX

Compliance

Insufficient Tolerance Cure

A Lender Credit for Excess Charges of (XXX), Principal Reduction for Excess Charges of (XXX), and general or specific lender credit increases of (XXX) were applied to the total fee variance of (XXX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Fees increased in the amount of XXX with no XXX to support the increase.

Document Uploaded. XXX was in file
- XXX
Document Uploaded. Please clarify what fee is in question?

• Open-A Lender Credit for Excess Charges of ($XXX), Principal Reduction for Excess Charges of ($XXX), and general or specific lender credit increases of ($XXX) were applied to the total fee variance of ($XXX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Fees increased in the amount of $XXX with no XXX to support the increase. - Due Diligence Vendor-XXX - XXX

Resolved - XXX
Received XXX for the increased fee - XXX6
Document Uploaded. XXX was in file
- XXX
Appraisal review fee of $XXX was added, and a lender credit of $XXX was provided, however the Loan Discount points increased from $XXX to $XXX, a difference of $XXX without a XXX or cure. Provide XXX or cure for this increased fee - XXX
Document Uploaded. Please clarify what fee is in question?

• Open-A Lender Credit for Excess Charges of ($XXX), Principal Reduction for Excess Charges of ($XXX), and general or specific lender credit increases of ($XXX) were applied to the total fee variance of ($XXX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Fees increased in the amount of $XXX with no XXX to support the increase. - Due Diligence Vendor-XXX - XXX

XXX

Resolved

2026040925

XXX

Non-QM: Lender documented all ATR UW factors

XXX

2 of 3

XXX

Credit

Hazard Insurance Coverage Amount is less than Required Coverage Amount

Coverage Amount - Hazard insurance amount is less than required coverage amount. Missing sufficient hazard insurance coverage. The coverage is less than the Replacement Cost Estimate.

Document Uploaded. XXX was provided with HOI--XXX% RCE
- XXX

XXX provided. Condition resolved.- XXX
Document Uploaded. XXX was provided with HOI--XXX% RCE
- XXX

XXX

Resolved

2026040925

XXX

Non-QM: Lender documented all ATR UW factors

XXX

3 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040927

XXX

Non-QM: Lender documented all ATR UW factors

XXX

1 of 6

XXX

Credit

Purchase Contract - Missing

The loan file did not contain the Purchase Contract as required. Lender to provide complete purchase agreement.

Document Uploaded. Supporting Document - XXX

Purchase contract provided. Condition resolved. -XXX
Document Uploaded. Supporting Document -XXX

XXX

Resolved

2026040927

XXX

Non-QM: Lender documented all ATR UW factors

XXX

2 of 6

XXX

Credit

XXX - Guidelines Conformity

The subject loan does not conform to program guidelines. File is missing explanation for large deposits of XXX in XXX and XXX in XXX included in income calculation.

Document Uploaded. Supporting Document - XXX

UW LOX provided. Condition resolved. - XXX
Document Uploaded. Supporting Document - XXX

XXX

Resolved

2026040927

XXX

Non-QM: Lender documented all ATR UW factors

XXX

3 of 6

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040927

XXX

Non-QM: Lender documented all ATR UW factors

XXX

4 of 6

XXX

Compliance

No Compliance Findings

The loan meets all applicable compliance guidelines.

XXX

Cleared

2026040927

XXX

Non-QM: Lender documented all ATR UW factors

XXX

5 of 6

XXX

Credit

Title Document Missing

Title document is missing.

Document Uploaded. Supporting Documents -XXX
Document Uploaded. Supporting Document - XXX
Document Uploaded. Supporting Document - XXX

Title document is fully present -XXX
Title documents provided. Condition resolved. - XXX
Document Uploaded. Supporting Documents - XXX
Condition upheld. Title doc provided has the wrong loan amount and is missing the XXX and Schedule A. Provide prelim title. - XXX
Document Uploaded. Supporting Document -XXX
Condition upheld. Title provided does not show borrower name or the proposed insured amount. - XXX
Document Uploaded. Supporting Document - XXX

XXX

Resolved

2026040927

XXX

Non-QM: Lender documented all ATR UW factors

XXX

6 of 6

XXX

Credit

Missing Business Purpose Affidavit

File is missing statement of business purpose. Missing business narrative

Document Uploaded. Supporting Document - XXX

Business Narrative provided. Condition resolved - XXX
Document Uploaded. Supporting Document - XXX

XXX

Resolved

2026040928

XXX

Non-QM: Lender documented all ATR UW factors

XXX

1 of 3

XXX

Compliance

No Compliance Findings

The loan meets all applicable compliance guidelines.

XXX

Cleared

2026040928

XXX

Non-QM: Lender documented all ATR UW factors

XXX

2 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040928

XXX

Non-QM: Lender documented all ATR UW factors

XXX

3 of 3

XXX

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

XXX

Cleared

2026040929

XXX

Non-QM: Lender documented all ATR UW factors

XXX

1 of 3

XXX

Compliance

No Compliance Findings

The loan meets all applicable compliance guidelines.

XXX

Cleared

2026040929

XXX

Non-QM: Lender documented all ATR UW factors

XXX

2 of 3

XXX

Credit

Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date)

Borrower 1 XXX Credit Report is Expired (Greater than XXX days from Closing/Settlement Date).

Document Uploaded. Supporting Document - XXX

XXX CR provided. Condition resolved. - XXX
Document Uploaded. Supporting Document - XXX

XXX

Resolved

2026040929

XXX

Non-QM: Lender documented all ATR UW factors

XXX

3 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040932

XXX

Non-QM: Lender documented all ATR UW factors

XXX

1 of 4

XXX

Compliance

No Compliance Findings

The loan meets all applicable compliance guidelines.

XXX

Cleared

2026040932

XXX

Non-QM: Lender documented all ATR UW factors

XXX

2 of 4

XXX

Credit

Hazard Insurance Coverage is less than XXX

Hazard Insurance Coverage Amount of $XXX is less than Total Amount of Subject Lien(s) of $XXX Please note that there is a XXX% additional coverage will be sufficient to cover.

Hazard Insurance Coverage Amount of $XXX is less than Total Amount of Subject Lien(s) of $XXX - XXX
Hazard Insurance Coverage Amount of $XXX is less than Total Amount of Subject Lien(s) of $XXX Total Estimate of Cost-New $XXX - XXX

XXX

Void

2026040932

XXX

Non-QM: Lender documented all ATR UW factors

XXX

3 of 4

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040932

XXX

Non-QM: Lender documented all ATR UW factors

XXX

4 of 4

XXX

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

The loan meets all applicable credit guidelines. - XXX

XXX

Cleared

2026040936

XXX

Non-QM: Lender documented all ATR UW factors

XXX

1 of 5

XXX

Compliance

Missing Initial XXX Disclosure

Initial XXX Disclosure is missing.

Document Uploaded. Signed Initial XXX Disclosure - XXX

XXX Disclosure is Resolved - XXX
Received XXX - XXX
Document Uploaded. Signed Initial XXX Disclosure - XXX

XXX

Resolved

2026040936

XXX

Non-QM: Lender documented all ATR UW factors

XXX

2 of 5

XXX

Credit

Borrower 1 XXX Credit Report is Missing

Borrower 1 XXX Credit Report is Missing Missing a XXX credit report or an XXX (XXX) dated within XXX days prior to the closing date.

Document Uploaded. XXX starts XXX runs thru XXX - XXX

XXX Provided. Condition resolved. - XXX
Document Uploaded. XXX starts XXX runs thru XXX - XXX

XXX

Resolved

2026040936

XXX

Non-QM: Lender documented all ATR UW factors

XXX

3 of 5

XXX

Credit

Asset do not meet guidelines

Missing bank statement or account history for XXX covering a one month period. The file contains an account balance on XXX, a bank statement dated XXX and an XXX from XXX.

Document Uploaded. Accountchek
- XXX

Bank Statements provided. Condition resolved. - XXX
Document Uploaded. Accountchek
- XXX

XXX

Resolved

2026040936

XXX

Non-QM: Lender documented all ATR UW factors

XXX

4 of 5

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040936

XXX

Non-QM: Lender documented all ATR UW factors

XXX

5 of 5

XXX

Credit

XXX Letter does not match XXX Waiver or XXX.

XXX does not match XXX Waiver or XXX. Missing a signed copy of the Initial XXX Disclosure.

Document Uploaded. Signed Initial XXX Disclosure - XXX

Signed Initial XXX Disclosure provided. Condition resolved. - XXX
Signed Initial XXX Disclosure provided. Condition resolved. - XXX
First Payment Letter does match the Final 1003. - XXX
First Payment Letter does match XXX Waiver or XXX. - XXX
First Payment Letter does match the Final 1003. - XXX
Document Uploaded. Signed Initial XXXt Disclosure - XXX

XXX

Resolved

2026040937

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040937

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

XXX

Cleared

2026040937

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040759

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040759

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

XXX

Cleared

2026040759

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040951

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040951

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040951

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

XXX

Cleared

2026040768

XXX

QM: Safe Harbor APOR (APOR SH)

XXX

1 of 3

XXX

Compliance

Lender Credits That Cannot Decrease Test (XXX)

The baseline amount of non-specific (XXX) lender credits and specific lender credits disclosed is (XXX). The Last CD shows a total lender credit amount of (XXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). there is no valid coc for the decrease

Finding valid; there were no changes to loan type, loan amount, or interest rate to support the decrease in lender credit - XXX

Document Uploaded. Feedback included in the red. PDF attached. - XXX

XXX. Cure of $XXX was for overage of recording fee which was reduced on final CD. - XXX
Document Uploaded. Feedback included in the red. PDF attached. - XXX

XXX

Resolved

2026040768

XXX

QM: Safe Harbor APOR (APOR SH)

XXX

2 of 3

XXX

Credit

Fraud Report Shows Uncleared Alerts

Fraud Report shows uncleared alerts. Missing fraud report with high alert cleared.

Document Uploaded. Per Underwriting the LoanSafe is not cleared XXX. We address it on the Income Worksheet. Income Worksheet attached with commentary under Fraud Alert. -XXX

Loan fraud analysis addressing high alert provided.. Condition resolved. -XXX
All Fraud Report Alerts have been cleared or None Exist - XXX
Document Uploaded. Per Underwriting the LoanSafe is not cleared via the XXX. We address it on the Income Worksheet. Income Worksheet attached with commentary under Fraud Alert. - XXX

XXX

Resolved

2026040768

XXX

QM: Safe Harbor APOR (APOR SH)

XXX

3 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040776

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Credit

XXX is Missing

Missing XXX. Provide XXX for subject property with premium of XXX

Document Uploaded. Supporting Document - XXX

HOI provided. Condition resolved. - XXX
XXX was provided. - XXX
Document Uploaded. Supporting Document -XXX

XXX

Resolved

2026040776

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040776

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040779

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Credit

Missing VOM or VOR

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Provide proof XXX payment was made as agreed for primary residence with XXX per guidelines.

Document Uploaded. Supporting Documents - XXX

VOR/VOM provided. Condition resolved. -XXX
Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - XXX
Document Uploaded. Supporting Documents - XXX

XXX

Resolved

2026040779

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040779

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040788

XXX

ATR/QM: Exempt

XXX

1 of 4

XXX

Credit

XXX does not match XXX Waiver or XXX.

XXX does not match the Final 1003. The XXX does not match the XXX or XXX.

Document Uploaded. first payment letter... please note that the property address is on page #XXX ... borrowers mailing address shows on page #XXX - XXX

Condition voided subject loan is XXX purpose with XXX. -XXX
First Payment Letter does match XXX or XXX. - XXX
First Payment Letter does match the Final 1003. -XXX
First Payment Letter does match XXX or XXX. - XXX
First Payment Letter does match the Final 1003. - XXX
Document Uploaded. XXX... please note that the property address is on page #XXX ... borrowers mailing address shows on page #XXX - XXX

XXX

Void

2026040788

XXX

ATR/QM: Exempt

XXX

2 of 4

XXX

Credit

Hazard Insurance Coverage Amount is less than Required Coverage Amount

Coverage Amount - Hazard insurance amount is less than required coverage amount.

Document Uploaded. insurance - XXX

XXX provided. Condition resolved. - XXX
Document Uploaded. insurance - XXX

XXX

Resolved

2026040788

XXX

ATR/QM: Exempt

XXX

3 of 4

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

DSCR / Business Purpose loans are exempt from Reg Z and Reg X. -XXX

XXX

Cleared

2026040788

XXX

ATR/QM: Exempt

XXX

4 of 4

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

The appraised value was supported within -XXX% and all applicable appraisal guidelines were satisfied. -XXX

XXX

Cleared

2026040790

XXX

ATR/QM: Exempt

XXX

1 of 4

XXX

Credit

Borrower 1 XXX Credit Report is Missing

Document Uploaded. Supporting Document - XXX

XXX credit report dated XXX, within XXX days of closing, was provided. Condition resolved. - XXX
Borrower 1 XXX Credit Report is not missing. - XXX
Document Uploaded. Supporting Document - XXX

XXX

Resolved

2026040790

XXX

ATR/QM: Exempt

XXX

2 of 4

XXX

Credit

Approval/Underwriting Summary Deficient

Approval/Underwriting Summary is deficient. Lender to provide complete loan approval.

Document Uploaded. Supporting Document - XXX

Document Uploaded. Supporting Document -XXX

XXX

Resolved

2026040790

XXX

ATR/QM: Exempt

XXX

3 of 4

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040790

XXX

ATR/QM: Exempt

XXX

4 of 4

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040793

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040793

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040793

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

XXX

Cleared

2026040795

XXX

QM: Safe Harbor APOR (APOR SH)

XXX

1 of 3

XXX

Credit

Evidence of Property Tax Missing

Missing evidence of property tax. File does not contain proof of taxes used totaling XXX annually.

Document Uploaded. Supporting Documents - XXX

Tax Cert provided. Condition resolved. - XXX
Document Uploaded. Supporting Documents -XXX

XXX

Resolved

2026040795

XXX

QM: Safe Harbor APOR (APOR SH)

XXX

2 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040795

XXX

QM: Safe Harbor APOR (APOR SH)

XXX

3 of 3

XXX

Compliance

No Compliance Findings

The loan meets all applicable compliance guidelines.

XXX

Cleared

2026040798

XXX

QM: Safe Harbor APOR (APOR SH)

XXX

1 of 4

XXX

Compliance

Value - Value is supported within XXX of original appraisal amount

The loan meets all applicable compliance guidelines.

XXX

Cleared

2026040798

XXX

QM: Safe Harbor APOR (APOR SH)

XXX

2 of 4

XXX

Credit

Borrower 1 XXX Credit Report is Missing

Borrower 1 XXX Credit Report is Missing Originator to provide XXX credit report.

Document Uploaded. XXX credit - XXX

XXX CR provided. Condition resolved. - XXX
Document Uploaded. XXX credit - XXX

XXX

Resolved

2026040798

XXX

QM: Safe Harbor APOR (APOR SH)

XXX

3 of 4

XXX

Credit

Approval/Underwriting Summary Deficient

Approval/Underwriting Summary is deficient. Lender to provide complete loan approval.

Document Uploaded. UW approval - XXX

Approval/Underwriting Summary provided. Condition resolved. - XXX
Document Uploaded. UW approval - XXX

XXX

Resolved

2026040798

XXX

QM: Safe Harbor APOR (APOR SH)

XXX

4 of 4

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040945

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Property

Missing Doc - 3rd Party Valuation Product/Missing

The loan file did not contain the required XXX. Missing a satisfactory XXX. Note: The CU and LCA reviews do not analyze XXX.

Document Uploaded. CDA - XXX

3rd party valuation provided. Condition resolved. - XXX
Document Uploaded. CDA - XXX

XXX

Resolved

2026040945

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040945

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

XXX

Cleared

2026040955

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Compliance

The Final 1003 is Missing

The final 1003 is missing. Missing signed final loan applications for both borrowers.

Document Uploaded. 1. 1003
2. docusign
- XXX

The final 1003 has been provided. - XXX
Received Final 1003 - XXX
Document Uploaded. 1. 1003
2. docusign
- XXX

XXX

Resolved

2026040955

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040955

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

XXX

Cleared

2026040947

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Credit

Title Coverage is Less than XXX Total

Title coverage is less than total amount of subject lien(s). Missing Title supplement /XXX to reflect correct loan amount

Document Uploaded. Supporting Document - XXX

Updated title provided. Condition resolved. -XXX
Document Uploaded. Supporting Document - XXX

XXX

Resolved

2026040947

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Property

Appraisal - Incomplete

The appraisal provided was incomplete. The Auditor was unable to review the entire appraisal report. Appraisal missing XXX units information

Document Uploaded. Supporting Documents - XXX

Updated appraisal provided. Condition resolved. - XXX
Document Uploaded. Supporting Documents - XXX

XXX

Resolved

2026040947

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040959

XXX

QM: Safe Harbor APOR (APOR SH)

XXX

1 of 3

XXX

Compliance

The Deed of Trust is Not Executed

The Deed of Trust is not executed.

Document Uploaded. Supporting Document - XXX

The Deed of Trust is executed - XXX
Received signed and notorized DOT - XXX
Document Uploaded. Supporting Document - XXX

XXX

Resolved

2026040959

XXX

QM: Safe Harbor APOR (APOR SH)

XXX

2 of 3

XXX

Property

Missing Doc - 3rd Party Valuation Product/Missing

The loan file did not contain the required XXX.

Document Uploaded. Supporting Document - XXX

3rd party valuation provided. Condition resolved. - XXX
Document Uploaded. Supporting Document - XXX

XXX

Resolved

2026040959

XXX

QM: Safe Harbor APOR (APOR SH)

XXX

3 of 3

XXX

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

XXX

Cleared

2026040960

XXX

QM: Safe Harbor APOR (APOR SH)

XXX

1 of 3

XXX

Compliance

No Compliance Findings

The loan meets all applicable compliance guidelines.

XXX

Cleared

2026040960

XXX

QM: Safe Harbor APOR (APOR SH)

XXX

2 of 3

XXX

Property

Missing Doc - 3rd Party Valuation Product/Missing

The loan file did not contain the required XXX. Loan was approved under XXX, and the XXX CU/SSR returned a XXX score which does not support the property value per appraisal report.

Document Uploaded. cda - XXX

3rd party valuation provided. Condition resolved. - XXX
Document Uploaded. cda - XXX

XXX

Resolved

2026040960

XXX

QM: Safe Harbor APOR (APOR SH)

XXX

3 of 3

XXX

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

XXX

Cleared

2026040949

XXX

ATR/QM: Exempt

XXX

1 of 5

XXX

Credit

Calculated Initial Payment and Initial Principal and Interest Payment do not match

Calculated Initial P&I Payment Amount does not match Initial P&I Payment Amount.

Calculated Initial P&I Payment Amount matches Initial Payment Amount -XXX
Loan qualified with XXX payment of $XXX. - XXX

XXX

Resolved

2026040949

XXX

ATR/QM: Exempt

XXX

2 of 5

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040949

XXX

ATR/QM: Exempt

XXX

3 of 5

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040949

XXX

ATR/QM: Exempt

XXX

4 of 5

XXX

Compliance

The Note is Incomplete

The Note is incomplete. Loan approval and XXX reflect this loan is Interest Only. The P&I listed on the note is indicative if Interest only payment. Provide Corrected note for Interest only or Interest Only Addendum to note.

Complete signed note attached - XXX
Document Uploaded. Attached is the signed note - XXX
Interest only note provided is not executed. - XXX
Document Uploaded. Supporting Document - XXX6

The Note is Present - XXX
Complete signed note attached - XXX
Document Uploaded. Attached is the signed note - XXX
Interest only note provided is not executed. - XXX
Document Uploaded. Supporting Document - XXX

XXX

Resolved

2026040949

XXX

ATR/QM: Exempt

XXX

5 of 5

XXX

Compliance

The Final Closing Disclosure contains errors

Loan approval and XXX indicate this loan is an Interest only for XXX months. Final CD reflects Interest only payment. PCCD required to correct loan term as XXX Year Interest Only, Fixed rate.

Document Uploaded. Supporting Document - XXX

Recieved PCCD reflecting both interest only and fully amorotized payments -XXX
Document Uploaded. Supporting Document - XXX

XXX

Resolved

2026040948

XXX

Non-QM: Lender documented all ATR UW factors

XXX

1 of 7

XXX

Credit

Borrower 1 XXX Credit Report is Missing

Document Uploaded. Supporting Documents - XXX

Borrower 1 XXX Credit Report is not missing. - XXX
XXX CR provided. Condition resolved. - XXX
Document Uploaded. Supporting Documents - XXX

XXX

Resolved

2026040948

XXX

Non-QM: Lender documented all ATR UW factors

XXX

2 of 7

XXX

Credit

Borrower 2 XXX Credit Report is Missing

Document Uploaded. Supporting Documents - XXX

Borrower 2 XXX Credit Report is not missing. - XXX
XXX CR provided. Condition resolved. - XXX
Document Uploaded. Supporting Documents - XXX

XXX

Resolved

2026040948

XXX

Non-QM: Lender documented all ATR UW factors

XXX

3 of 7

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040948

XXX

Non-QM: Lender documented all ATR UW factors

XXX

4 of 7

XXX

Credit

Liabilities - Final Sales XXX Missing

The loan file did not contain the final sales XXX as required. Missing documentation of sale of departure residence at XXX.

Document Uploaded. Supporting Document - XXX

CD provided. Condition resolved. - XXX
Document Uploaded. Supporting Document - XXX

XXX

Resolved

2026040948

XXX

Non-QM: Lender documented all ATR UW factors

XXX

5 of 7

XXX

Compliance

No Compliance Findings

The loan meets all applicable compliance guidelines.

XXX

Cleared

2026040948

XXX

Non-QM: Lender documented all ATR UW factors

XXX

6 of 7

XXX

Credit

Approval/Underwriting Summary Not Provided - XXX

Approval/Underwriting Summary is fully present - XXX

XXX

Resolved

2026040948

XXX

Non-QM: Lender documented all ATR UW factors

XXX

7 of 7

XXX

Credit

Approval/Underwriting Summary Deficient

Approval/Underwriting Summary is deficient. Approval/Underwriting Summary partially provided. File contains loan approval, missing 1008

Client requested we add condition then advised to remove. - XXX
Approval/Underwriting Summary is fully present - XXX

XXX

Resolved

2026040950

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

XXX

Cleared

2026040950

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040950

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040952

XXX

ATR/QM: Exempt

XXX

1 of 4

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Void

2026040952

XXX

ATR/QM: Exempt

XXX

2 of 4

XXX

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

XXX

Cleared

2026040952

XXX

ATR/QM: Exempt

XXX

3 of 4

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared

2026040952

XXX

ATR/QM: Exempt

XXX

4 of 4

XXX

Compliance

Missing Deed of Trust

Deed of Trust Provided has incorrect XXX. County should reflect XXX.

Document Uploaded. Supporting Document - XXX

Received complete recorded DOT with all XXX - XXX
Document Uploaded. Supporting Document - XXX

XXX

Resolved

2026040954

XXX

ATR/QM: Exempt

XXX

1 of 3

XXX

Compliance

No Compliance Tests Performed

DSCR / Business Purpose loans are exempt from Reg XXX and Reg XXX.

XXX

Cleared

2026040954

XXX

ATR/QM: Exempt

XXX

2 of 3

XXX

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

XXX

Cleared

2026040954

XXX

ATR/QM: Exempt

XXX

3 of 3

XXX

Property

Value - Value is supported within XXX of original appraisal amount

The appraised value was supported within XXX and all applicable appraisal guidelines were satisfied.

XXX

Cleared