| Loan ID | Customer Loan ID | Seller Loan ID | Note Date | Original Loan Amount | Last Name | Property State | Occupancy | Purpose | Originator QM Status | TPR QM Status | Exception ID | Exception Number | Exception Date | Exception Type | Exception Subcategory | Exception | Exception Remedy | Rebuttal | TPR Response | Compensating Factors | Status Update Date | Finding Status | Initial Exception Grade | Final Exception Grade | Initial Loan Grade | Final Loan Grade |
| 152 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | 1 of 3 | 2025-12-29 21:59 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
2025-12-29 21:59 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 152 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | 2 of 3 | 2025-12-30 18:05 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. |
2025-12-30 18:05 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 152 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | 3 of 3 | 2025-12-30 18:06 | Credit | Flood Insurance Policy Missing | Missing flood insurance policy. Missing the borrowers Flood Insurance policy to verify adequate coverage and annual premium of $xxxxxx |
Document Uploaded. - xx/xx/xxxx |
HOA has master flood policy. Final CD and 1st Payment letter do not reflect a payment for Flood. Condition resolved. - xx/xx/xxxx |
2026-01-09 07:20 | Resolved | 3 | 1 | 3 | 1 | ||||
| 153 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | 1 of 3 | 2025-12-31 19:48 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. |
2025-12-31 19:48 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 153 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | 2 of 3 | 2026-01-02 21:01 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
2026-01-02 21:01 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 153 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | 3 of 3 | 2026-01-02 21:01 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. |
2026-01-02 21:01 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 154 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | 1 of 3 | 2025-12-30 04:39 | Credit | Property Title Issue | Property title issue. Item #9 on title - Judgement for $xxxxxx to xxxxxx. Only item #7 has been deleted. |
Document Uploaded. Please see attached - xx/xx/xxxx |
Supplemental title report provided. Condition resolved - xx/xx/xxxx Property Title Issue Resolved - xx/xx/xxxx |
2026-07-02 19:05 | Resolved | 3 | 1 | 3 | 1 | ||||
| 154 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | 2 of 3 | 2025-12-30 05:10 | Property | Value - Field Review Supports Value within 10% | A Retro-Field Review was performed. The original appraised value is supported with a variance within 10%. |
2025-12-30 05:10 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 154 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | 3 of 3 | 2025-12-30 15:22 | Compliance | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | The loan disbursement date (xx/xx/xxxx) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (xx/xx/xxxx). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Disbursement date is xx/xx/xxxx. Right to Cancel transaction date is xx/xx/xxxx. Right to Cancel signature date is xx/xx/xxxx. Rescission expiration date is xx/xx/xxxx. Notary date is xx/xx/xxxx. |
Document Uploaded. Please see attached. Funding date wasxx/xx/xxxx - xx/xx/xxxx |
Received PCCD corrececting disbursement date - xx/xx/xxxx |
2026-01-07 15:23 | Resolved | 3 | 1 | 3 | 1 |