EXHIBIT 99.25
cANOPY EXCEPTIONS REPORT
| Loan ID | Seller Loan ID | Investor Loan ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| 318783 | xxx | D | B | D | A | D | B | D | A | Closed | finding-651 | 2026-04-30 14:04 | 2026-05-04 18:28 | Cured | 2 - Non-Material | C | B | Compliance | Points & Fees | TILA Finance Charge Test | Cured-Finance Charge restitution check in the amount of $xxx, PCCD, LOE and Proof of mailing has been provided. thank you - Due Diligence Vendor-05/04/2026 Counter-PCCD, LOE and Proof of mailing is insufficient to remediate an under disclosed Finance Charge violation. Copy of restitution check in the amount of $xxx has not been provided - Due Diligence Vendor-05/01/2026 Open-************ILE, RLE, ICD & FCD received, data entered, compliance report generated, resulting in findings:************** Finance charge disclosed to borrower did not include the settlement fee of $xxx ----- Finance charge restitution check in the amount of $xxx, PCCD, LOE and proof of mailing is required - Due Diligence Vendor-04/30/2026 Open-This loan failed the TILA 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. - Due Diligence Vendor-04/30/2026 |
Cured-Finance Charge restitution check in the amount of $xxx, PCCD, LOE and Proof of mailing has been provided. thank you - Due Diligence Vendor-05/04/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 318783 | xxx | D | B | D | A | D | B | D | A | Closed | FCOM4227 | 2026-04-09 14:21 | 2026-05-04 18:28 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Finance Charge restitution check in the amount of $xxx, PCCD, LOE and Proof of mailing has been provided. thank you - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. refund provided to borrower - Seller-05/04/2026 Counter-PCCD, LOE and Proof of mailing is insufficient to remediate an under disclosed Finance Charge violation. Copy of restitution check in the amount of $xxx has not been provided - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. - Seller-05/01/2026 Counter-************ILE, RLE, ICD & FCD received, data entered, compliance report generated, resulting in findings:************** Finance charge disclosed to borrower did not include the settlement fee of $xxx ----- Finance charge restitution check in the amount of $xxx, PCCD, LOE and proof of mailing is required - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-04/29/2026 Counter-**Still missing the Initial Closing CD issued and received by borrower at least 3 business days prior to closing. - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. - Seller-04/27/2026 Counter-***Received Loan Estimates issued xxx and xxx. CD provided is missing information and does not have an issued date. Loan documents indicate the lender's loan application date is xxx. Lender to provide a copy of the Loan Estimate along with all initial disclosures issued within 3 business days of the application; Also need to provide a copy of the Initial Closing Disclosure, any revised CD, and Final closing disclosure along with a copy of the lender's compliance test results for review. - Due Diligence Vendor-04/20/2026 Open- ******Documentation provided does not contain the Initial closing disclosure . ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-04/10/2026 |
Ready for Review-Document Uploaded. refund provided to borrower - Seller-05/04/2026 Ready for Review-Document Uploaded. - Seller-05/01/2026 Ready for Review-Document Uploaded. - Seller-04/27/2026 |
Resolved-Finance Charge restitution check in the amount of $xxx, PCCD, LOE and Proof of mailing has been provided. thank you - Due Diligence Vendor-05/04/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 318783 | xxx | D | B | D | A | D | B | D | A | Closed | FCRE1316 | 2026-04-09 03:23 | 2026-04-30 08:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. VVOE attached - Seller-04/29/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/09/2026 |
Ready for Review-Document Uploaded. VVOE attached - Seller-04/29/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/30/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 318783 | xxx | D | B | D | A | D | B | D | A | Closed | FCRE1292 | 2026-04-09 03:23 | 2026-04-30 08:21 | Resolved | 1 - Information | C | A | Credit | Income | Income 1 Months Income Verified is Missing | Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. 1 month income included ( 2/1/26 to 2/28/26) - Seller-04/17/2026 Open-Income 1 Months Income Verified is Missing - Due Diligence Vendor-04/09/2026 |
Ready for Review-Document Uploaded. 1 month income included ( xxx) - Seller-04/17/2026 |
Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-04/17/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 318783 | xxx | D | B | D | A | D | B | D | A | Closed | FCOM1477 | 2026-04-09 14:23 | 2026-04-28 12:18 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/28/2026 Resolved-**Received rate lock confirmation - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. Lock attached - Seller-04/17/2026 Open-Evidence of Rate Lock Missing - Due Diligence Vendor-04/09/2026 |
Ready for Review-Document Uploaded. Lock attached - Seller-04/17/2026 |
Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/28/2026 Resolved-**Received rate lock confirmation - Due Diligence Vendor-04/17/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 318783 | xxx | D | B | D | A | D | B | D | A | Closed | FCOM1266 | 2026-04-09 14:23 | 2026-04-28 12:18 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-04/28/2026 Resolved-***Received disclosure - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. see disclosure attached - Seller-04/17/2026 Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-04/09/2026 |
Ready for Review-Document Uploaded. see disclosure attached - Seller-04/17/2026 |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-04/28/2026 Resolved-***Received disclosure - Due Diligence Vendor-04/20/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 318783 | xxx | D | B | D | A | D | B | D | A | Closed | FCOM1252 | 2026-04-09 14:21 | 2026-04-28 12:06 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-**Received LE and confirmation of the application date - Due Diligence Vendor-04/28/2026 Ready for Review-Which Loan Estimate are you missing? - Seller-04/27/2026 Counter-***Received Loan Estimates issued xxx and xxx. CD provided is missing information and does not have an issued date. Loan documents indicate the lender's loan application date is xxx. Lender to provide a copy of the Loan Estimate along with all initial disclosures issued within 3 business days of the application; Also need to provide a copy of the Initial Closing Disclosure, any revised CD, and Final closing disclosure along with a copy of the lender's compliance test results for review. - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. LE, COC and CD - Seller-04/17/2026 Open-******Documentation provided does not contain the_LE and CDs, Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-04/09/2026 |
Ready for Review-Which Loan Estimate are you missing? - Seller-04/27/2026 Ready for Review-Document Uploaded. LE, COC and CD - Seller-04/17/2026 |
Resolved-**Received LE and confirmation of the application date - Due Diligence Vendor-04/28/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 318783 | xxx | D | B | D | A | D | B | D | A | Closed | FCOM1207 | 2026-04-09 02:09 | 2026-04-24 08:23 | Resolved | 1 - Information | C | A | Compliance | Closing Package | The Note is Not Executed | Resolved-The Note is Executed - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. Executed note attached. As well, am providing a copy of the recorded mortgage as a supplement to your file. - Seller-04/23/2026 Open-The Note is Not Executed DOCUMENT UN EXECUTED - Due Diligence Vendor-04/09/2026 |
Ready for Review-Document Uploaded. Executed note attached. As well, am providing a copy of the recorded mortgage as a supplement to your file. - Seller-04/23/2026 |
Resolved-The Note is Executed - Due Diligence Vendor-04/24/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 318783 | xxx | D | B | D | A | D | B | D | A | Closed | FCRE1164 | 2026-04-09 03:08 | 2026-04-17 15:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. flood ins attached - Seller-04/17/2026 Open-Missing Flood Insurance Policy - Due Diligence Vendor-04/09/2026 |
Ready for Review-Document Uploaded. flood ins attached - Seller-04/17/2026 |
Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-04/17/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 318783 | xxx | D | B | D | A | D | B | D | A | Closed | FCRE1173 | 2026-04-09 03:08 | 2026-04-17 15:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | HO6 Master Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. HOA master Ins - Seller-04/17/2026 Open-Missing HO-6 Master Insurance Policy - Due Diligence Vendor-04/09/2026 |
Ready for Review-Document Uploaded. HOA master Ins - Seller-04/17/2026 |
Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-04/17/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 318783 | xxx | D | B | D | A | D | B | D | A | Closed | FCRE1175 | 2026-04-09 03:08 | 2026-04-17 15:00 | Resolved | 1 - Information | C | A | Credit | Insurance | Named Insured on HO6 Master Policy does not match HOA Name | Resolved-Named Insured on HO-6 Master Insurance Policy matches HOA Name - Due Diligence Vendor-04/17/2026 Open-Named Insured on HO-6 Master Insurance Policy does not match HOA Name - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. Budget, building recert docs all match HOA name of xxx - Seller-04/17/2026 Open-Named Insured on HO-6 Master Insurance Policy does not match HOA Name - Due Diligence Vendor-04/09/2026 |
Ready for Review-Document Uploaded. Budget, building recert docs all match HOA name of xxx. - Seller-04/17/2026 |
Resolved-Named Insured on HO-6 Master Insurance Policy matches HOA Name - Due Diligence Vendor-04/17/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 318783 | xxx | D | B | D | A | D | B | D | A | Closed | FCRE1964 | 2026-04-09 07:02 | 2026-04-17 14:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | Resolved- - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. income documents - Seller-04/17/2026 Open-Missing income documentation - Due Diligence Vendor-04/09/2026 |
Ready for Review-Document Uploaded. income documents - Seller-04/17/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 318783 | xxx | D | B | D | A | D | B | D | A | Closed | FPRO1244 | 2026-04-16 15:04 | 2026-04-17 14:52 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-CU & LCA provided - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. See CU ssr 1.8 - Seller-04/17/2026 Open- - Due Diligence Vendor-04/16/2026 |
Ready for Review-Document Uploaded. See CU ssr 1.8 - Seller-04/17/2026 |
Resolved-CU & LCA provided - Due Diligence Vendor-04/17/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 318783 | xxx | D | B | D | A | D | B | D | A | Closed | FCRE1198 | 2026-04-09 03:45 | 2026-04-17 14:49 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 3.78 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. See FTC worksheet - Seller-04/17/2026 Open-Audited Reserves of are less than Guideline Required Reserves of 3 - Due Diligence Vendor-04/09/2026 |
Ready for Review-Document Uploaded. See FTC worksheet - Seller-04/17/2026 |
Resolved-Audited Reserves of 3.78 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-04/17/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 318783 | xxx | D | B | D | A | D | B | D | A | Closed | FCRE1468 | 2026-04-09 03:39 | 2026-04-17 14:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. Asset 2- xxx - Seller-04/17/2026 Open-Added account information to condition. - Due Diligence Vendor-04/16/2026 Open-Asset 2 Missing - Due Diligence Vendor-04/09/2026 |
Ready for Review-Document Uploaded. Asset 2- xxx - Seller-04/17/2026 |
Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-04/17/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 318783 | xxx | D | B | D | A | D | B | D | A | Closed | FCRE7000 | 2026-04-09 03:39 | 2026-04-17 14:48 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. FTC - final 1008- lender page - Seller-04/17/2026 Open-Total Liquid Assets Available for Close of $xxx is less than Total Cash to Close $xxx. - Due Diligence Vendor-04/09/2026 |
Ready for Review-Document Uploaded. FTC - final 1008- lender page - Seller-04/17/2026 |
Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-04/17/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 318783 | xxx | D | B | D | A | D | B | D | A | Closed | FCRE1467 | 2026-04-09 03:39 | 2026-04-17 14:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. xxx asset 1 - Seller-04/17/2026 Open-Added asset information to condition. - Due Diligence Vendor-04/16/2026 Open-Asset 1 Missing - Due Diligence Vendor-04/09/2026 |
Ready for Review-Document Uploaded. xxx asset 1 - Seller-04/17/2026 |
Resolved-Asset 1 Provided - Due Diligence Vendor-04/17/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 318783 | xxx | D | B | D | A | D | B | D | A | Closed | FCOM1223 | 2026-04-09 02:11 | 2026-04-17 14:40 | Resolved | 1 - Information | C | A | Compliance | Closing Package | The Deed of Trust is Not Executed | Resolved-The Deed of Trust is Executed - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. see signed mortgage - Seller-04/17/2026 Open-The Deed of Trust is Not Executed Document unexecuted - Due Diligence Vendor-04/09/2026 |
Ready for Review-Document Uploaded. see signed mortgage - Seller-04/17/2026 |
Resolved-The Deed of Trust is Executed - Due Diligence Vendor-04/17/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 318783 | xxx | D | B | D | A | D | B | D | A | Closed | FCOM1231 | 2026-04-09 02:24 | 2026-04-17 14:39 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. initial 1003 - Seller-04/17/2026 Open-The Initial 1003 is Missing - Due Diligence Vendor-04/09/2026 |
Ready for Review-Document Uploaded. initial 1003 - Seller-04/17/2026 |
Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/17/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 318783 | xxx | D | B | D | A | D | B | D | A | Closed | FCOM1232 | 2026-04-09 02:24 | 2026-04-17 14:39 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. final 1003 attached - Seller-04/17/2026 Open-The Final 1003 is Missing - Due Diligence Vendor-04/09/2026 |
Ready for Review-Document Uploaded. final 1003 attached - Seller-04/17/2026 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-04/17/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 318783 | xxx | D | B | D | A | D | B | D | A | Closed | FCRE6019 | 2026-04-09 02:24 | 2026-04-17 14:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. passport and perm res card - Seller-04/17/2026 Open- - Due Diligence Vendor-04/16/2026 Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-04/09/2026 |
Ready for Review-Document Uploaded. passport and perm res card - Seller-04/17/2026 |
Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-04/17/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Validated | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |
| 334492 | xxx | D | A | D | A | D | A | A | A | Closed | FCOM1208 | 2026-05-06 06:33 | 2026-05-11 16:22 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. - Seller-05/08/2026 Open-The Note is Incomplete missing page 2 of 3 - Due Diligence Vendor-05/06/2026 |
Ready for Review-Document Uploaded. - Seller-05/08/2026 |
Resolved-The Note is Present - Due Diligence Vendor-05/11/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 51.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 108.84 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 334492 | xxx | D | A | D | A | D | A | A | A | Closed | FCRE1197 | 2026-05-06 07:59 | 2026-05-07 11:08 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-uploaded credit report - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. Credit report attached - Seller-05/06/2026 Open-Audited FICO of is less than Guideline FICO of xxx. Credit Report is missing. - Due Diligence Vendor-05/06/2026 |
Ready for Review-Document Uploaded. Credit report attached - Seller-05/06/2026 |
Resolved-uploaded credit report - Due Diligence Vendor-05/07/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 51.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 108.84 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 334492 | xxx | D | A | D | A | D | A | A | A | Closed | FCRE5770 | 2026-05-06 07:42 | 2026-05-07 11:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-05/07/2026 Ready for Review-credit report attached - Seller-05/06/2026 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-05/06/2026 |
Ready for Review-credit report attached - Seller-05/06/2026 |
Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-05/07/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 51.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 108.84 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 334492 | xxx | D | A | D | A | D | A | A | A | Closed | FCRE5771 | 2026-05-06 07:42 | 2026-05-07 11:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. attached is credit report - Seller-05/06/2026 Open-Borrower 2 Credit Report is Missing. - Due Diligence Vendor-05/06/2026 |
Ready for Review-Document Uploaded. attached is credit report - Seller-05/06/2026 |
Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-05/07/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 51.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 108.84 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 723600 | xxx | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-05-13 11:55 | 2026-05-18 09:35 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-05/18/2026 Resolved- - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. PCCD documentation uploaded for review. - Buyer-05/15/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. *******Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-05/13/2026 Open- - Due Diligence Vendor-05/13/2026 Open- - Due Diligence Vendor-05/13/2026 Open- - Due Diligence Vendor-05/13/2026 |
Resolved-PCCD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-05/18/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.35 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.99 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 998568 | xxx | B | B | B | B | A | A | A | A | Closed | FCRE8201 | 2026-05-15 08:42 | 2026-05-15 08:42 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-No vacancy factor applied to the rental income - Due Diligence Vendor-05/15/2026 |
Waived-No vacancy factor applied to the rental income - Due Diligence Vendor-05/15/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 39.79 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.41 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.27 Years |
Comp Factors: - FICO 20+ points - 5+ years business ownership |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxx | |||
| 989358 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | |||||||||||||||||||
| 479533 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 894642 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 223525 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 921239 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 398479 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2026-05-14 10:10 | 2026-05-15 16:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/15/2026 Ready for Review-xxx license was provided page xxx of the initial shipping package, along with the xxx pages xxx denoting the borrower is in good standing with licensing requirements. - Buyer-05/15/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-05/14/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/15/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.35 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.36 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 938915 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 944580 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 811219 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 134120 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 724468 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | |||||||||||||||||||
| 890492 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 765895 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 807193 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 511979 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 285890 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 529902 | xxx | C | A | A | A | C | A | A | A | Closed | finding-3625 | 2026-05-18 18:14 | 2026-05-22 14:04 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-***Received PCCD with updated payee name. - Due Diligence Vendor-05/22/2026 Resolved- - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. PCCD Documentation uploaded for review. - Buyer-05/21/2026 Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ********** Section B line 04, shows the Entity Review Fee(Corp, LLC & Trusts) payable to xxx• charges paid to "Lender or Broker" cannot be a section B charges. Section B charges can only be payable to "Other" for third party charges. - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/18/2026 |
Resolved-***Received PCCD with updated payee name. - Due Diligence Vendor-05/22/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.03 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 747219 | xxx | D | A | D | A | A | A | A | A | Closed | FVAL1310 | 2026-05-19 08:47 | 2026-05-22 07:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. Submitted Questionnaire for review. - Buyer-05/21/2026 Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-05/19/2026 |
Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-05/22/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.84% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.83 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56.5 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 879677 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1347 | 2026-05-20 00:56 | 2026-05-20 15:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. VVOE uploaded for review. - Buyer-05/20/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing. At time of review required document was missing from file. Please provide. - Due Diligence Vendor-05/20/2026 |
Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/20/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.38 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 60.12 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 34.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.38 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.37 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 671223 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 592902 | xxx | C | A | A | A | C | A | A | A | Closed | finding-3652 | 2026-05-19 23:41 | 2026-05-21 10:05 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC event detail provided. Thank you - Due Diligence Vendor-05/21/2026 Resolved- - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. COC uploaded for review. - Buyer-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 Open-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). Initial CD dated xxx reflects Lender Credit Fee $xxx however ,Revised CD dated xxx reflects the Lender Credit Fee $xxx The fee $xxx has been decreased for Lender Credit. Required valid COC. - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 |
Resolved-COC event detail provided. Thank you - Due Diligence Vendor-05/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.94 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 29.91% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 736964 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 792565 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 948441 | xxx | C | A | A | A | C | A | A | A | Closed | FCOM2276 | 2026-05-21 14:21 | 2026-06-09 11:51 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-**Received PCCD - Due Diligence Vendor-06/09/2026 Ready for Review-Document Uploaded. PCCD documentation uploaded for review. - Buyer-06/08/2026 Open-******* Borrower executed documents on xxx. After Final Closing Disclosure Disbursement date of xxx. Please provide Post Consummation Closing Disclosure with actual disbursement date. - Due Diligence Vendor-05/21/2026 |
Resolved-**Received PCCD - Due Diligence Vendor-06/09/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - validated Borrower At Current Residence For Five (5) Or More Years - 5.83 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.97 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 28.4 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.97 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 179278 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 417275 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 482870 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1292 | 2026-05-22 00:58 | 2026-05-28 08:41 | Resolved | 1 - Information | C | A | Credit | Income | Income 1 Months Income Verified is Missing | Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. All banks statements utilized in the income calculation uploaded for review. - Seller-05/27/2026 Open-Income 1 Months Income Verified is Missing B1 - Employer1 (xxx Rental Income) income document is missing in the file. - Due Diligence Vendor-05/22/2026 |
Ready for Review-Document Uploaded. All banks statements utilized in the income calculation uploaded for review. - Seller-05/27/2026 |
Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-05/28/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.37 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 189.2 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.37 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 74.39% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 34.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 482870 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1293 | 2026-05-22 00:58 | 2026-05-28 08:41 | Resolved | 1 - Information | C | A | Credit | Income | Income 2 Months Income Verified is Missing | Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-05/28/2026 Ready for Review-All banks statements utilized in the income calculation uploaded to trailing docs for review. - Buyer-05/27/2026 Open-Income 2 Months Income Verified is Missing B1 - Employer2 (xxx) income document is missing in the file. - Due Diligence Vendor-05/22/2026 |
Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-05/28/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.37 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 189.2 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.37 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 74.39% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 34.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 482870 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1294 | 2026-05-22 00:58 | 2026-05-28 08:41 | Resolved | 1 - Information | C | A | Credit | Income | Income 3 Months Income Verified is Missing | Resolved-Income 3 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-05/28/2026 Ready for Review-All banks statements utilized in the income calculation uploaded to trailing docs for review. - Buyer-05/27/2026 Open-Income 3 Months Income Verified is Missing B1 - Employer3 (xxx) income document is missing in the file. - Due Diligence Vendor-05/22/2026 |
Resolved-Income 3 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-05/28/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.37 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 189.2 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.37 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 74.39% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 34.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 482870 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1295 | 2026-05-22 00:58 | 2026-05-28 08:41 | Resolved | 1 - Information | C | A | Credit | Income | Income 4 Months Income Verified is Missing | Resolved-Income 4 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-05/28/2026 Ready for Review-All banks statements utilized in the income calculation uploaded to trailing docs for review. - Buyer-05/27/2026 Open-Income 4 Months Income Verified is Missing B1 - Employer4 (xxx) income documents is missing in the file. - Due Diligence Vendor-05/22/2026 |
Resolved-Income 4 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-05/28/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.37 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 189.2 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.37 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 74.39% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 34.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 482870 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2026-05-22 00:58 | 2026-05-28 08:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/28/2026 Ready for Review-Page 2 of the attached document denotes the deductions made. - Seller-05/27/2026 Counter-Bwr owns 4 businesses, the Income worksheet for 12 month bank statements for all 4 businesses need to reflect all excluded non business deposits. - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Bank statement calculation worksheet uploaded for review. - Seller-05/27/2026 Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-05/22/2026 |
Ready for Review-Page 2 of the attached document denotes the deductions made. - Seller-05/27/2026 Ready for Review-Document Uploaded. Bank statement calculation worksheet uploaded for review. - Seller-05/27/2026 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/28/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.37 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 189.2 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.37 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 74.39% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 34.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 685637 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 441820 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 125573 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 720376 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 836212 | xxx | D | A | A | A | D | A | A | A | Closed | FCOM2328 | 2026-05-27 15:28 | 2026-05-28 09:10 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Closing Disclosure Escrow Account | Resolved-Received FCD - Due Diligence Vendor-05/28/2026 Resolved-***Received FCD - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. Submitted Missing Final CD - Buyer-05/27/2026 Open-**** Borrower(s) executed Final Closing Disclosure, PCCD or other verification the borrower received the final figures (Closing Disclosure) for the transaction, that accurately reflects the amount of the Initial Escrow deposit amount of $xxx, has not been provided. A Compliance report cannot fully completed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/27/2026 |
Resolved-Received FCD - Due Diligence Vendor-05/28/2026 Resolved-***Received FCD - Due Diligence Vendor-05/28/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals 0.06 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 836212 | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1544 | 2026-05-27 15:32 | 2026-05-28 08:47 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/28/2026 Ready for Review-Submitted Missing Final CD - Buyer-05/27/2026 Open-TRID: Missing Final Closing Disclosure **** Borrower(s) executed Final Closing Disclosure, PCCD or other verification the borrower received the final figures (Closing Disclosure) for the transaction, that accurately reflects the amount of the Initial Escrow deposit amount of $xxx, has not been provided. A Compliance report cannot fully completed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/27/2026 |
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/28/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals 0.06 | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | ||||
| 928010 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 873666 | xxx | B | B | B | B | A | A | A | A | Closed | FCRE6763 | 2026-05-27 15:59 | 2026-05-28 11:24 | Waived | 2 - Non-Material | B | B | Credit | Income | Income documentation does not meet guidelines | Waived-Exception for asset utilization initiated from Trust account held with siblings who are not on the loan - Due Diligence Vendor-05/27/2026 | Waived-Exception for asset utilization initiated from Trust account held with siblings who are not on the loan - Due Diligence Vendor-05/27/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.25 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 35.03% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.64 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.04 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years |
Comp Factors: - Credit score 41 points above minimum - Self-employment 5+ years - Residual income > $xxx |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxx | |||
| 594962 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 790722 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 293513 | xxx | B | B | B | B | A | A | A | A | Closed | FCRE1198 | 2026-05-26 23:43 | 2026-05-28 11:45 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Borrower has 2 months in reserves. Required 3 months - Due Diligence Vendor-05/28/2026 Open-Audited Reserves of 2.75 are less than Guideline Required Reserves of 6 - Due Diligence Vendor-05/27/2026 |
Waived-Borrower has 2 months in reserves. Required 3 months - Due Diligence Vendor-05/28/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.37 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 38.18% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Comp Factors: - 5+ years of job/Self-Employed - FICO 20+ points - LTV 10% below max - 5+ years in subject property ownership |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx | |||
| 304520 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 390320 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 941093 | xxx | C | A | A | A | C | A | A | A | Closed | FCOM5814 | 2026-05-28 15:27 | 2026-06-09 12:25 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-***Received PCCD - Due Diligence Vendor-06/09/2026 Ready for Review-Document Uploaded. Submitted PCCD docs for review. - Buyer-06/08/2026 Open-******* Borrower executed documents on xxx, after Final Closing Disclosure Disbursement date of xxx. Please provide Post Consummation Closing Disclosure with actual disbursement date. - Due Diligence Vendor-05/28/2026 |
Resolved-***Received PCCD - Due Diligence Vendor-06/09/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 41.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - validated Borrower At Current Residence For Five (5) Or More Years - 7.25 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 67.31% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 242270 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 173002 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 318532 | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1232 | 2026-05-27 22:24 | 2026-05-28 16:47 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. The final 1003 was uploaded to the bulletin board, and has been attached here as well. - Buyer-05/28/2026 Open-The Final 1003 is Missing - Due Diligence Vendor-05/28/2026 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-05/28/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.03 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 200609 | xxx | C | B | C | B | A | A | A | A | Closed | FCRE8201 | 2026-05-28 16:28 | 2026-05-28 16:29 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Qualifying with 100% of retirement assets for asset depletion. qualifying rents at 100% - Due Diligence Vendor-05/28/2026 Open-Qualifying with 100% of retirement assets for asset depletion. qualifying rents at 100%. - Due Diligence Vendor-05/28/2026 |
Waived-Qualifying with 100% of retirement assets for asset depletion. qualifying rents at 100% - Due Diligence Vendor-05/28/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 43.43% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 118.37 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
Comp Factors: - FICO 20+ points - LTV 10% below max - Reserves > 6 months minimum - > 1 year as real estate investor - 0x30x24+ |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxx | |||
| 193132 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | |||||||||||||||||||
| 656238 | xxx | D | B | D | B | B | A | A | A | Closed | FCOM1266 | 2026-05-28 17:13 | 2026-06-01 09:22 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure provided, thank you - Due Diligence Vendor-06/01/2026 Ready for Review-Document Uploaded. Homeownership Counseling Disclosure uploaded for review. - Buyer-05/29/2026 Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-05/29/2026 |
Resolved-Homeownership Counseling Disclosure provided, thank you - Due Diligence Vendor-06/01/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 20.7 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - validated Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 25.58% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 656238 | xxx | D | B | D | B | B | A | A | A | Closed | FCRE1491 | 2026-05-29 09:02 | 2026-05-29 09:02 | Waived | 2 - Non-Material | D | B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived- - Due Diligence Vendor-05/29/2026 Open-Using 75% of privately held stock for asset utilization/depletion. - Due Diligence Vendor-05/29/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 20.7 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - validated Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 25.58% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |
Comp Factors: - FICO 20+ points - DTI 5% below max - 0x30x24+ |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxx | ||||
| 396709 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 320092 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 125128 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 180010 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 645380 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 149745 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 162868 | xxx | C | B | C | B | A | A | A | A | Closed | FCRE8201 | 2026-06-04 09:21 | 2026-06-04 09:22 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-70% LTV with re. listed in past 12 months - Due Diligence Vendor-06/04/2026 Open-70% LTV with re. listed in past 12 months - Due Diligence Vendor-06/04/2026 |
Waived-70% LTV with re. listed in past 12 months - Due Diligence Vendor-06/04/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.60 Years Borrower At Current Residence For Five (5) Or More Years - validated Borrower At Current Residence For Five (5) Or More Years - 9.92 Years |
Comp Factors: - 5+ years business ownership - 0x30x24+ |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx | |||
| 144306 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 731233 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 146966 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 270007 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 586709 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 683435 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 950268 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 706983 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 855199 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 908502 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | |||||||||||||||||||
| 364246 | xxx | C | B | C | B | A | A | A | A | Closed | FCRE8611 | 2026-06-05 12:57 | 2026-06-05 12:57 | Waived | 2 - Non-Material | C | B | Credit | Income | Income/Employment General | Waived- - Due Diligence Vendor-06/05/2026 Open-Using 85% vacancy factor for departing residence rather than 75%. - Due Diligence Vendor-06/05/2026 |
Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.24 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
Comp Factors: - Using unpublished guidelines. |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxx | ||||
| 147445 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 466063 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 659853 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE5770 | 2026-06-03 23:13 | 2026-06-09 09:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-06/09/2026 Ready for Review-Document Uploaded. - Buyer-06/08/2026 Open-Borrower 1 Credit Report is Missing. Borrower's Credit Report is Missing, provide updated Credit Report. - Due Diligence Vendor-06/04/2026 |
Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-06/09/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.56 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.54 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.74% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 991116 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 542937 | xxx | C | A | A | A | C | A | A | A | Closed | FCOM2276 | 2026-06-08 13:29 | 2026-06-09 12:54 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-***Received PCCD - Due Diligence Vendor-06/09/2026 Ready for Review-Document Uploaded. PCCD documentation uploaded for review. - Buyer-06/08/2026 Open-Borrower executed documents on xxx, after Final Closing Disclosure Disbursement date of xxx and ******* Seller Closing Disclosure provided indicates a Disbursement date of xxx. Please provide Post Consummation Closing Disclosure with actual disbursement date in compliance xxx per Diem interest disclosure - Due Diligence Vendor-06/08/2026 |
Resolved-***Received PCCD - Due Diligence Vendor-06/09/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 32.71% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.28 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.28 Years Borrower At Current Residence For Five (5) Or More Years - validated Borrower At Current Residence For Five (5) Or More Years - 30.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 15.41 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.28 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 336699 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 740871 | xxx | C | B | C | B | A | A | A | A | Closed | FCRE8201 | 2026-06-08 15:01 | 2026-06-08 15:02 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-want to use 35% expense factor instead of 50%. CPA letter shows 35% expense factor - Due Diligence Vendor-06/08/2026 Open-want to use 35% expense factor instead of 50%. CPA letter shows 35% expense factor - Due Diligence Vendor-06/08/2026 |
Borrower has a food counter in a xxx grocery store. Its'a franchise xxx. The rentfor the space is paid by the franchise company. The franchise providethe supplies and ingredients for the sushie store. It appears she has less than 4 employees. Husband is not on the loan. Awaiting the husband assets to xxx she will have more than 6 months in reserves. - 06/08/2026 |
Waived-want to use 35% expense factor instead of 50%. CPA letter shows 35% expense factor - Due Diligence Vendor-06/08/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validate Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.18 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - validate Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.41 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validate Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.41 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validate Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
Comp Factors: - FICO 20+ points - Reserves > 6 months minimum |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxx | ||
| 846399 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 674741 | xxx | C | A | A | A | C | A | A | A | Closed | FCOM1265 | 2026-06-09 10:56 | 2026-06-10 08:03 | Resolved | 1 - Information | C | A | Compliance | TILA | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-Non-Borrower Title Holder Received Right of Rescission Form - Due Diligence Vendor-06/10/2026 Ready for Review-xxx is not a xxx and does not have dower or curtesy rights per xxx Code § 64.2-311. Borrower is solely vested to title and would not be required to have the non-borrowing non-title spouse sign an ROR. - Buyer-06/09/2026 Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form Non-Borrowing Spouse ROR not provided. - Due Diligence Vendor-06/09/2026 |
Resolved-Non-Borrower Title Holder Received Right of Rescission Form - Due Diligence Vendor-06/10/2026 |
Borrower At Current Residence For Five (5) Or More Years - validated Borrower At Current Residence For Five (5) Or More Years - 21.58 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.57 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 53.93% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 44.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 990783 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1342 | 2026-06-08 01:16 | 2026-06-10 10:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-06/10/2026 Ready for Review-Document Uploaded. Submitted Bank Stmts for review. - Buyer-06/09/2026 Open-Borrower 1 Business Bank Statements Missing - At time of review the required bank statements were not present in the file. Please provide the required bank statements as required by guidelines. (QC income worksheet not completed as there were no statements to review) - Due Diligence Vendor-06/08/2026 |
Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-06/10/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 65.38% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 128.47 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 35.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - validated Borrower At Current Residence For Five (5) Or More Years - 28.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.42 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 668044 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 867703 | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2026-06-08 02:53 | 2026-06-11 10:32 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. Hazard policy effective xxx uploaded for review. - Buyer-06/10/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - please provide proof of insurance through to the disbursement date. - Due Diligence Vendor-06/08/2026 |
Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/11/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.52 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.79% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 551679 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 866702 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 570578 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 512281 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 690754 | xxx | B | B | B | B | A | A | A | A | Closed | FCRE1437 | 2026-06-08 12:25 | 2026-06-09 15:46 | Waived | 2 - Non-Material | B | B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines Using 100% of OREO rental income and 100% of the balance within the retirement assets (IRAs) for asset depletion. - Due Diligence Vendor-06/09/2026 Open-Income and Employment Do Not Meet Guidelines Using 100% of OREO rental income and 100% of the balance within the retirement assets (IRAs) for asset depletion. - Due Diligence Vendor-06/09/2026 |
Waived-Income and Employment Do Not Meet Guidelines Using 100% of OREO rental income and 100% of the balance within the retirement assets (IRAs) for asset depletion. - Due Diligence Vendor-06/09/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.5% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.6 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
Comp Factors: - FICO 20+ points - Reserves > 6 months minimum - 0x30x24+ |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxx | |||
| 486172 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 207942 | xxx | B | B | B | B | A | A | A | A | Closed | FCRE1196 | 2026-06-09 00:00 | 2026-06-10 11:13 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Property in a declining market; request to not reduce LTV by 5%. - Due Diligence Vendor-06/10/2026 Open-Property in a declining market; request to not reduce LTV by 5%. - Due Diligence Vendor-06/10/2026 |
Waived-Property in a declining market; request to not reduce LTV by 5%. - Due Diligence Vendor-06/10/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 9.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 102.11 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.17 Years |
Comp Factors: - 5+ years of job/Self-Employed - FICO 20+ points - DTI 5% below max - >1 year as real estate investor - 5+ years business ownership - 0x30x24+ - Multiple paid as agreed mortgages 0x30 |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx | |||
| 207942 | xxx | B | B | B | B | A | A | A | A | Closed | FCRE1195 | 2026-06-09 00:00 | 2026-06-10 11:12 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Property in a declining market; request to not reduce LTV by 5%. - Due Diligence Vendor-06/10/2026 Open-Property in a declining market; request to not reduce LTV by 5%. - Due Diligence Vendor-06/10/2026 |
Waived-Property in a declining market; request to not reduce LTV by 5%. - Due Diligence Vendor-06/10/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 9.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 102.11 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.17 Years |
Comp Factors: - 5+ years of job/Self-Employed - FICO 20+ points - DTI 5% below max - >1 year as real estate investor - 5+ years business ownership - 0x30x24+ - Multiple paid as agreed mortgages 0x30 |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx | |||
| 207942 | xxx | B | B | B | B | A | A | A | A | Closed | FCRE1194 | 2026-06-09 00:07 | 2026-06-10 11:12 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Property in a declining market; request to not reduce LTV by 5%. - Due Diligence Vendor-06/10/2026 Open-Property in a declining market; request to not reduce LTV by 5%. - Due Diligence Vendor-06/10/2026 |
Waived-Property in a declining market; request to not reduce LTV by 5%. - Due Diligence Vendor-06/10/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 9.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 102.11 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.17 Years |
Comp Factors: - 5+ years of job/Self-Employed - FICO 20+ points - DTI 5% below max - >1 year as real estate investor - 5+ years business ownership - 0x30x24+ - Multiple paid as agreed mortgages 0x30 |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx | |||
| 611300 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 345360 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 202931 | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1224 | 2026-06-10 16:07 | 2026-06-11 01:56 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | Condo Rider is Missing | Resolved-Condo Rider provided. thank you - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. Submitted Condo Rider for review - Buyer-06/10/2026 Open-At time of review the condo rider was not in file. Please provide they required documentation per Guidelines and DOT - Due Diligence Vendor-06/10/2026 |
Resolved-Condo Rider provided. thank you - Due Diligence Vendor-06/11/2026 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 618982 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 464616 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 873309 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 588950 | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1193 | 2026-06-11 11:17 | 2026-06-16 09:14 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 41.06% is less than or equal to Guideline DTI of 45% - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. Submitted updated AD worksheet with addition of xxx, asset stmts, 1003, and 1008. - Buyer-06/15/2026 Open-Audited DTI of 45.43% exceeds Guideline DTI of 45% DTI > 45% due to Asset depletion was incorrect. Duplicate of xxx acct was removed in asset depletion income causing income to be decreased from $xxx to $xxx - Due Diligence Vendor-06/11/2026 |
Resolved-Audited DTI of 41.06% is less than or equal to Guideline DTI of 45% - Due Diligence Vendor-06/16/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 34 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.92 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.41% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 757155 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 421908 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 779199 | xxx | C | B | C | B | A | A | A | A | Closed | FCRE8201 | 2026-06-11 14:01 | 2026-06-11 14:03 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception request to not reduce the LTV due to declining market. - Due Diligence Vendor-06/11/2026 Open-Exception request to not reduce the LTV due to declining market. - Due Diligence Vendor-06/11/2026 |
Waived-Exception request to not reduce the LTV due to declining market. - Due Diligence Vendor-06/11/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.55 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.73% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.98 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.43 Years |
Comp Factors: - Borrowers are experienced investors - High fico - Stable rental income received - Great job stability - Low housing ratio - 31 months in reserves - High residual income - Desk Review provided and supports value |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx | |||
| 843395 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 418542 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 779683 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 364291 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 399606 | xxx | C | B | C | B | A | A | A | A | Closed | FCRE1441 | 2026-06-12 13:13 | 2026-06-12 13:13 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-xxx on HOA dues- which were caused by auto pay ceasing on the borrower- paid current as soon as he received a notice - Due Diligence Vendor-06/12/2026 Open-xxx on HOA dues- which were caused by auto pay ceasing on the borrower- paid current as soon as he received a notice - Due Diligence Vendor-06/12/2026 |
Waived-Lis pendens on HOA dues- which were caused by auto pay ceasing on the borrower- paid current as soon as he received a notice - Due Diligence Vendor-06/12/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.26 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 88.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - validated Borrower At Current Residence For Five (5) Or More Years - 14.58 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 38.74% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
Comp Factors: - Borrower has 7 years same position SE k1 (15% owner) - Residual income - Has been in current residence over 10years and selling to buy this property - Owned free and clear prior mortgage on credit 0 X 30-Low DTI |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxx | |||
| 496923 | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1227 | 2026-06-12 12:42 | 2026-06-15 08:06 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-Signed PUD Rider provided - Due Diligence Vendor-06/15/2026 Ready for Review-Document Uploaded. PUD Rider uploaded for review. - Buyer-06/12/2026 Open-At time of review the PUD Rider was not in the file. Please provide documentation to support the PUD Rider requirement per guidelines and DOT - Due Diligence Vendor-06/12/2026 |
Resolved-Signed PUD Rider provided - Due Diligence Vendor-06/15/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 35.15 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - validated Borrower At Current Residence For Five (5) Or More Years - 7.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 40.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.43 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 565391 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 342849 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 436801 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 929381 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 771399 | xxx | C | B | C | B | A | A | A | A | Closed | FCRE8201 | 2026-06-16 09:32 | 2026-06-16 09:33 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Using no vacancy factor for existing rental property. - Due Diligence Vendor-06/16/2026 Open-Using no vacancy factor for existing rental property. - Due Diligence Vendor-06/16/2026 |
Waived-Using no vacancy factor for existing rental property. - Due Diligence Vendor-06/16/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 34.15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 16.8% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 38.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Comp Factors: - LTV 10% below max - Meets unpublished guidelines - Reserves > 6 months minimum |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx | |||
| 950150 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 857625 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 445071 | xxx | D | A | D | A | A | A | A | A | Closed | FCRE5770 | 2026-06-15 01:08 | 2026-06-17 09:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. Submitted Credit Report for review. Systemic issue delayed delivery. - Buyer-06/16/2026 Open-Borrower 1 Credit Report is Missing. At time of review the final credit report was missing from the file. Please provide the required documentation per guidelines - Due Diligence Vendor-06/15/2026 |
Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-06/17/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 35.13 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 17.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - validated Borrower At Current Residence For Five (5) Or More Years - 7.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 37.13 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 33 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 970624 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 733273 | xxx | B | A | B | A | A | A | A | A | Closed | FCRE1183 | 2026-06-15 00:53 | 2026-06-18 07:50 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. Submitted 1008. Also. your portal should reflect a housing payment of $xxx for the retained REO at xxx listed as 3a in the Schedule of REO. DTI is 39.228%. - Buyer-06/17/2026 Open-1008/Underwriting Summary Partially Provided - Loan amount not matching with Note document leading to variations in ratios. 1008's information shows first mortgage p and I @ $xxx. Note and final cd show the PI is @ $xxx. - Due Diligence Vendor-06/15/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/18/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.03% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 1029.77 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 25.84% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 442609 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 856859 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 284216 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 211603 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 548278 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 212398 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 872793 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 913860 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 143519 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 370488 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 875576 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 662568 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 738281 | xxx | C | B | C | B | A | A | A | A | Closed | FCRE8201 | 2026-06-19 13:36 | 2026-06-26 14:17 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Comp Factors identified / added QUALIFYING FICO IS GREATER THAN THE GUIDELINE MINIMUM BY TWENTY (20) OR MORE POINTS CALCULATED DTI IS LESS THAN THE GUIDELINE MAXIMUM BY FIVE PERCENT (5%) OR MORE MONTHS RESERVES ARE GREATER THAN THE GUIDELINE MINIMUM BY SIX (6) OR MORE MONTHS - Due Diligence Vendor-06/26/2026 Waived-Multi-layered Entity - Due Diligence Vendor-06/19/2026 Open-Multi-layered Entity - Due Diligence Vendor-06/19/2026 |
Waived-Comp Factors identified / added QUALIFYING FICO IS GREATER THAN THE GUIDELINE MINIMUM BY TWENTY (20) OR MORE POINTS CALCULATED DTI IS LESS THAN THE GUIDELINE MAXIMUM BY FIVE PERCENT (5%) OR MORE MONTHS RESERVES ARE GREATER THAN THE GUIDELINE MINIMUM BY SIX (6) OR MORE MONTHS - Due Diligence Vendor-06/26/2026 Waived-Multi-layered Entity - Due Diligence Vendor-06/19/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.12 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals 0.26 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 30% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 55.62 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - validated Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
QUALIFYING FICO IS GREATER THAN THE GUIDELINE MINIMUM BY TWENTY (20) OR MORE POINTS CALCULATED DTI IS LESS THAN THE GUIDELINE MAXIMUM BY FIVE PERCENT (5%) OR MORE MONTHS RESERVES ARE GREATER THAN THE GUIDELINE MINIMUM BY SIX (6) OR MORE MONTHS |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx | |||
| 895221 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 433485 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 126471 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 689826 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 969588 | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 334923 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 414842 | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |