| 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 |
| 245 | 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 | ||||||||||||||||||||
| 246 | 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 | ||||||||||||||||||||
| 247 | 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 | ||||||||||||||||||||
| 248 | 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 | ||||||||||||||||||||
| 249 | 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 | ||||||||||||||||||||
| 250 | 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 | ||||||||||||||||||||
| 251 | C | B | B | B | A | A | C | A | Closed | FVAL2477 | 2025-11-09 18:16 | 2026-01-10 12:19 | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-Updated Appraisal provided stating THE SUBJECT PROPERTY CORRECTED FLOOD PLAIN CERTIFICATION IS AS FOLLOWS: MAP NO. xxx - ZONE: xxx - NFIP MAP PANEL EFFECTIVE REVISED DATE: xxx - Due Diligence Vendor-01/10/2026 Ready for Review-Document Uploaded. - Seller-01/09/2026 Counter-The condition is for Appraisal indicates subject is in "A" flood zone however Flood Cert indicates "X". - Due Diligence Vendor-12/18/2025 Ready for Review-Document Uploaded. - Seller-12/17/2025 Open-Appraisal indicates subject is in "A" flood zone however Flood Cert indicates "X". - Due Diligence Vendor-11/09/2025 |
Ready for Review-Document Uploaded. - Seller-01/09/2026 Ready for Review-Document Uploaded. - Seller-12/17/2025 |
Resolved-Updated Appraisal provided stating THE SUBJECT PROPERTY CORRECTED FLOOD PLAIN CERTIFICATION IS AS FOLLOWS: MAP NO. xxx - ZONE: X - NFIP MAP PANEL EFFECTIVE REVISED DATE: xxx - Due Diligence Vendor-01/10/2026 |
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 - 14.00 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 - 7.09 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.86 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months 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 42.69% 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 | Second Home | Purchase | NA | N/A | N/A | xxx | |||
| 251 | C | B | B | B | A | A | C | A | Closed | FCRE1182 | 2025-11-07 16:02 | 2025-11-11 10:42 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/11/2025 Ready for Review-Document Uploaded. - Seller-11/10/2025 Open-1008/Underwriting Summary Not Provided Missing 1008. - Due Diligence Vendor-11/09/2025 |
Ready for Review-Document Uploaded. - Seller-11/10/2025 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/11/2025 |
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 - 14.00 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 - 7.09 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.86 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months 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 42.69% 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 | Second Home | Purchase | NA | N/A | N/A | xxx | |||
| 251 | C | B | B | B | A | A | C | A | Closed | FCRE3874 | 2025-11-07 12:57 | 2025-11-07 16:07 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Rural - Due Diligence Vendor-11/07/2025 | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Rural - Due Diligence Vendor-11/07/2025 |
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 - 14.00 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 - 7.09 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.86 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months 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 42.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
FICO 20+ points, DTI 5% below max, PITIA reserves above min by 6 months, 5+ years business ownership |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | Originator Pre-Close | Yes | xxx | ||||
| 252 | C | B | C | B | A | A | A | A | Closed | FCRE1198 | 2025-11-07 06:39 | 2025-11-10 14:15 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception granted with supporting comp factors: Required - 9 months Subject - just under 9 months - Due Diligence Vendor-11/10/2025 Ready for Review-Document Uploaded. Please see attached exception for reserves shortage made during underwriting. - Buyer-11/10/2025 Open-Audited Reserves of are less than Guideline Required Reserves of 9 - Due Diligence Vendor-11/07/2025 |
Waived-Exception granted with supporting comp factors: Required - 9 months Subject - just under 9 months - Due Diligence Vendor-11/10/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Calculated DTI Of % 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 Borrower At Current Residence For Five (5) Or More Years - 14.75 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 Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Mortgage - Multiple accounts with history dating back to 2015. NO lates reported Min required - 660 Subject - xxx |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx | |||
| 253 | B | B | B | B | A | A | A | A | Closed | FCRE1440 | 2025-12-01 15:47 | 2025-12-01 15:47 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Rent for primary has been verified from xxx to current, with previous housing being rent free. - Due Diligence Vendor-12/01/2025 | Waived-Housing History Does Not Meet Guideline Requirements Rent for primary has been verified from xxxto current, with previous housing being rent free. - Due Diligence Vendor-12/01/2025 |
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 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.45 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
6 months reserves greater than program requirement FICO greater than program requirement VOR/VOM 0x30x24 other Mortgage history on credit shows for subject since xxx - 0 Lates |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx | ||||
| 254 | 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 | ||||||||||||||||||||
| 255 | C | A | A | A | A | A | C | A | Closed | FPRO1136 | 2025-12-12 08:13 | 2025-12-16 08:48 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-12/16/2025 Ready for Review-Document Uploaded. - Seller-12/15/2025 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present Missing 1004D showing completion of carpet installation - Due Diligence Vendor-12/12/2025 |
Ready for Review-Document Uploaded. - Seller-12/15/2025 |
Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-12/16/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 212.94 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 256 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 257 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 258 | 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 | ||||||||||||||||||||
| 259 | D | A | D | A | A | A | C | A | Closed | FCRE1467 | 2025-12-12 06:37 | 2025-12-19 13:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-12/19/2025 Ready for Review-Document Uploaded. - Seller-12/18/2025 Counter-The condition is for Missing the xxx xxx used for closing on 1003. - Due Diligence Vendor-12/17/2025 Ready for Review-Document Uploaded. - Seller-12/16/2025 Open-Asset 1 Missing Money Market xxx xxx used for closing on 1003 is missing - Due Diligence Vendor-12/12/2025 |
Ready for Review-Document Uploaded. - Seller-12/18/2025 Ready for Review-Document Uploaded. - Seller-12/16/2025 |
Resolved-Asset 1 Provided - Due Diligence Vendor-12/19/2025 |
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 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 259 | D | A | D | A | A | A | C | A | Closed | FPRO1136 | 2025-12-12 00:44 | 2025-12-17 08:55 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-12/17/2025 Ready for Review-Document Uploaded. - Seller-12/16/2025 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present - Due Diligence Vendor-12/12/2025 |
Ready for Review-Document Uploaded. - Seller-12/16/2025 |
Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-12/17/2025 |
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 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 260 | C | A | C | A | A | A | A | A | Closed | FCRE1442 | 2025-12-15 00:26 | 2026-01-11 07:51 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Expired | Resolved-Asset 1 Not Expired - Due Diligence Vendor-01/11/2026 Ready for Review-Document Uploaded. - Seller-01/09/2026 Open-Asset 1 - xxx xxx is Expired. Last statement provided has an end date of xxx. Provide updated statement. - Due Diligence Vendor-12/17/2025 |
Ready for Review-Document Uploaded. - Seller-01/09/2026 |
Resolved-Asset 1 Not Expired - Due Diligence Vendor-01/11/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54.16 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 261 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 262 | D | A | D | A | C | A | A | A | Closed | FCRE1241 | 2025-12-18 12:10 | 2026-01-10 09:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-01/10/2026 Ready for Review-Document Uploaded. - Seller-01/08/2026 Open-Purchase Contract Is Missing Missing the purchase contract between seller and borrower for subject property sales price xxx and gift of equity xxx - Due Diligence Vendor-12/19/2025 |
Ready for Review-Document Uploaded. - Seller-01/08/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-01/10/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 18.04 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.41 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 70% 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 - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 37.67% 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 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 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.42 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 | |||
| 262 | D | A | D | A | C | A | A | A | Closed | FCRE1145 | 2025-12-18 11:55 | 2026-01-10 09:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-01/10/2026 Ready for Review-Document Uploaded. - Seller-01/08/2026 Open-Title Document is missing Please provide the clear & marketable title commitment for the subject property. - Due Diligence Vendor-12/18/2025 |
Ready for Review-Document Uploaded. - Seller-01/08/2026 |
Resolved-Title Document is fully Present - Due Diligence Vendor-01/10/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 18.04 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.41 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 70% 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 - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 37.67% 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 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 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.42 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 | |||
| 262 | D | A | D | A | C | A | A | A | Closed | FCOM4227 | 2025-12-19 01:57 | 2026-01-08 13:21 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Received Revised LE and Initial CD - Due Diligence Vendor-01/08/2026 Ready for Review-Document Uploaded. - Seller-01/08/2026 Open-*******Closing date is xxx. Original file appears to be missing the Initial CD issued at least 3 business days prior to closing. Lender to provide a copy of the Initial CD with evidence of delivery to the borrower. - Due Diligence Vendor-12/19/2025 |
Ready for Review-Document Uploaded. - Seller-01/08/2026 |
Resolved-Received Revised LE and Initial CD - Due Diligence Vendor-01/08/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 18.04 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.41 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 70% 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 - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 37.67% 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 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 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.42 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 | |||
| 263 | 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 | ||||||||||||||||||||
| 264 | D | B | D | B | A | A | C | B | Closed | FPRO9939 | 2025-12-19 02:08 | 2026-06-30 14:40 | Waived | 2 - Non-Material | C | B | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Waived-Exception approved with compensating factors to waive CDA report. Two appraisals are in file. The first one was transferred and not accepted. Both support value. - Due Diligence Vendor-06/30/2026 Resolved-CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Provided Or CU Score Is Less Than Or Equal To 2.5 And A Third Party Valuation Product Was Not Required (CU Score Is ) - Due Diligence Vendor-12/26/2025 Ready for Review-Document Uploaded. - Seller-12/26/2025 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 2.9) A third-party Appraisal Review product is required—either an Enhanced ARR from xxx, a CDA report from xxx, or an xxx from xxx, or alternatively a Field Review or Second Appraisal—due to the CU score exceeding 2.5 and the LCA reflecting a status of not eligible. - Due Diligence Vendor-12/19/2025 |
Ready for Review-Document Uploaded. - Seller-12/26/2025 |
Waived-Exception approved with compensating factors to waive CDA report. Two appraisals are in file. The first one was transferred and not accepted. Both support value. - Due Diligence Vendor-06/30/2026 Resolved-CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Provided Or CU Score Is Less Than Or Equal To 2.5 And A Third Party Valuation Product Was Not Required (CU Score Is ) - Due Diligence Vendor-12/26/2025 |
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 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 - 5.99 Years |
1. credit profile 2. value is supported |
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 | Originator Pre-Close | Yes | xxx | ||
| 264 | D | B | D | B | A | A | C | B | Closed | FCRE5770 | 2025-12-22 12:58 | 2025-12-26 17:35 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Waived-Lender exception to allow credit report to be up to 120 days instead of 90 days with satisfactory gap credit report provided at closing. - Due Diligence Vendor-12/26/2025 Ready for Review-Document Uploaded. - Seller-12/26/2025 Open-Missing current credit report per GL, as the credit report dated xxx exceeds the 90-day requirement relative to the Note date of xxx, and the Gap report does not support updated credit scores. - Due Diligence Vendor-12/22/2025 |
Ready for Review-Document Uploaded. - Seller-12/26/2025 |
Waived-Lender exception to allow credit report to be up to 120 days instead of 90 days with satisfactory gap credit report provided at closing. - Due Diligence Vendor-12/26/2025 |
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 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 - 5.99 Years |
Credit profile. | 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 | Originator Pre-Close | Yes | xxx | ||
| 265 | 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 | ||||||||||||||||||||
| 266 | D | A | A | A | A | A | D | A | Closed | FPRO1242 | 2025-12-22 18:41 | 2025-12-26 17:48 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-12/26/2025 Ready for Review-Document Uploaded. - Seller-12/24/2025 Open-Appraisal is Missing - Due Diligence Vendor-12/24/2025 |
Ready for Review-Document Uploaded. - Seller-12/24/2025 |
Resolved-Appraisal has been provided - Due Diligence Vendor-12/26/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 94.98 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 - 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 % Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 267 | 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 | ||||||||||||||||||||
| 268 | D | A | A | A | A | A | D | A | Closed | FPRO1244 | 2025-12-24 11:49 | 2025-12-26 18:03 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Lender provided - Due Diligence Vendor-12/26/2025 Ready for Review-Document Uploaded. - Seller-12/26/2025 Open-3rd Party Valuation Product is Required and Missing - Due Diligence Vendor-12/24/2025 |
Ready for Review-Document Uploaded. - Seller-12/26/2025 |
Resolved-Lender provided - Due Diligence Vendor-12/26/2025 |
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 Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 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 | |||
| 269 | 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 | ||||||||||||||||||||
| 270 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2025-12-24 16:57 | 2025-12-29 10:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/29/2025 Ready for Review-Document Uploaded. Hello, please see attached - Seller-12/26/2025 Open-Missing Third Party Fraud Report - Due Diligence Vendor-12/24/2025 |
Ready for Review-Document Uploaded. Hello, please see attached - Seller-12/26/2025 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/29/2025 |
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 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 0.1 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 - 10.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.33% 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 75% 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 | |||
| 271 | 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 | ||||||||||||||||||||
| 272 | 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 | ||||||||||||||||||||
| 273 | D | A | D | A | A | A | A | A | Closed | FCRE1815 | 2025-12-29 13:27 | 2026-01-07 11:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Document Uploaded. - Due Diligence Vendor-01/07/2026 Resolved-Entity documents provided - Due Diligence Vendor-12/30/2025 Ready for Review-Document Uploaded. - Seller-12/29/2025 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Operating Agreement and certificate of good standing - Due Diligence Vendor-12/29/2025 |
Ready for Review-Document Uploaded. - Seller-12/29/2025 |
Resolved-Document Uploaded. - Due Diligence Vendor-01/07/2026 Resolved-Entity documents provided - Due Diligence Vendor-12/30/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 136.47 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 136.47 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months 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 Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 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 | |||
| 274 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 275 | 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 | ||||||||||||||||||||
| 276 | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2025-12-29 14:36 | 2026-01-06 11:19 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/06/2026 Ready for Review-Document Uploaded. Please see attached. Thanks - Buyer-01/06/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/29/2025 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/06/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.28 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 - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 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 | ||||
| 277 | D | A | D | A | C | A | A | A | Closed | finding-3632 | 2025-12-31 01:56 | 2026-01-28 07:39 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Document Uploaded. COC event detail & RCD provided, thank you - Due Diligence Vendor-01/28/2026 Counter- - Due Diligence Vendor-01/28/2026 Counter- - Due Diligence Vendor-01/28/2026 Counter-*** The following charges have been either added or increased: Discount Points disclosed in the Locked Loan Estimate in the amount of xxx Increased on the Final Closing Disclosure to xxx, resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or ___% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/09/2026 Open-***Discount Points fee increased in the Final CD. The original file does not contain a valid COC in relation to the increase. - Due Diligence Vendor-01/02/2026 Open- - Due Diligence Vendor-01/02/2026 Open- - Due Diligence Vendor-12/31/2025 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/31/2025 Open- - Due Diligence Vendor-12/31/2025 |
Resolved-Document Uploaded. COC event detail & RCD provided, thank you - Due Diligence Vendor-01/28/2026 |
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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.31% 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 - 13.17 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.36 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 - 35.17 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 - 11.98 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 | ||||
| 277 | D | A | D | A | C | A | A | A | Closed | finding-3631 | 2025-12-31 01:56 | 2026-01-28 07:38 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-Document Uploaded. COC event detail & RCD provided, thank you - Due Diligence Vendor-01/28/2026 Counter- - Due Diligence Vendor-01/28/2026 Counter- - Due Diligence Vendor-01/28/2026 Counter-*** The following charges have been either added or increased: Discount Points disclosed in the Locked Loan Estimate in the amount of xxx Increased on the Final Closing Disclosure to xxx, resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or ___% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/09/2026 Open-***Discount Points fee increased in the Final CD. The original file does not contain a valid COC in relation to the increase. - Due Diligence Vendor-01/02/2026 Open- - Due Diligence Vendor-01/02/2026 Open- - Due Diligence Vendor-12/31/2025 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/31/2025 Open- - Due Diligence Vendor-12/31/2025 |
Resolved-Document Uploaded. COC event detail & RCD provided, thank you - Due Diligence Vendor-01/28/2026 |
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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.31% 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 - 13.17 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.36 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 - 35.17 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 - 11.98 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 | ||||
| 277 | D | A | D | A | C | A | A | A | Closed | finding-3634 | 2025-12-31 01:56 | 2026-01-28 07:38 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Document Uploaded. COC event detail & RCD provided, thank you - Due Diligence Vendor-01/28/2026 Counter- - Due Diligence Vendor-01/28/2026 Counter- - Due Diligence Vendor-01/28/2026 Counter- - Due Diligence Vendor-01/28/2026 Counter-*** The following charges have been either added or increased: Discount Points disclosed in the Locked Loan Estimate in the amount of xxx Increased on the Final Closing Disclosure to xxx, resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or ___% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/09/2026 Ready for Review-Document Uploaded. - Buyer-01/07/2026 Open-***Discount Points fee increased in the Final CD. The original file does not contain a valid COC in relation to the increase. - Due Diligence Vendor-01/02/2026 Open- - Due Diligence Vendor-01/02/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $2,490.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Revised LE dated 12/03/2025 reflects Points and discounts Fee xxx however, Final CD dated xxx reflects the Points and discounts Fee xxx.The fee (xxx) has been increased for Points and discounts Fee which exceeds the 0% tolerance. Required valid COC or cure amount of xxx - Due Diligence Vendor-12/31/2025 Open- - Due Diligence Vendor-12/31/2025 Open- - Due Diligence Vendor-12/31/2025 |
Resolved-Document Uploaded. COC event detail & RCD provided, thank you - Due Diligence Vendor-01/28/2026 |
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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.31% 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 - 13.17 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.36 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 - 35.17 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 - 11.98 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 | ||||
| 277 | D | A | D | A | C | A | A | A | Closed | FCRE1161 | 2025-12-31 00:06 | 2026-01-08 11:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-01/08/2026 Ready for Review-Document Uploaded. - Seller-01/07/2026 Open-Missing Flood Certificate Subject Property Flood Certificate is Missing - Due Diligence Vendor-12/31/2025 |
Ready for Review-Document Uploaded. - Seller-01/07/2026 |
Resolved-Flood Certificate is fully present - Due Diligence Vendor-01/08/2026 |
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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.31% 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 - 13.17 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.36 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 - 35.17 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 - 11.98 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 | |||
| 277 | D | A | D | A | C | A | A | A | Closed | FCRE1158 | 2025-12-31 00:06 | 2026-01-08 11:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-01/08/2026 Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. - Due Diligence Vendor-01/08/2026 Ready for Review-Document Uploaded. - Seller-01/07/2026 Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Dwelling Amount is not Provided. - Due Diligence Vendor-12/31/2025 |
Ready for Review-Document Uploaded. - Seller-01/07/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-01/08/2026 |
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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.31% 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 - 13.17 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.36 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 - 35.17 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 - 11.98 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 | |||
| 278 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-12-30 19:59 | 2026-01-09 17:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/09/2026 Ready for Review-Document Uploaded. - Seller-01/08/2026 Counter-The condition is for Missing GAP/Credit Refresh report prior to closing - Due Diligence Vendor-01/07/2026 Ready for Review-Document Uploaded. - Seller-01/07/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-12/31/2025 |
Ready for Review-Document Uploaded. - Seller-01/08/2026 Ready for Review-Document Uploaded. - Seller-01/07/2026 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/09/2026 |
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 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 38.81% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 247.64 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months 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 - 8.65 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 - 15.25 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 0.06 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 278 | D | A | D | A | A | A | A | A | Closed | FCRE5783 | 2025-12-30 19:59 | 2026-01-09 17:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-01/09/2026 Ready for Review-Document Uploaded. - Seller-01/08/2026 Counter-The condition is for Missing GAP/Credit Refresh report prior to closing - Due Diligence Vendor-01/07/2026 Ready for Review-Document Uploaded. - Seller-01/07/2026 Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-12/31/2025 |
Ready for Review-Document Uploaded. - Seller-01/08/2026 Ready for Review-Document Uploaded. - Seller-01/07/2026 |
Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-01/09/2026 |
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 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 38.81% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 247.64 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months 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 - 8.65 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 - 15.25 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 0.06 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 279 | 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 | ||||||||||||||||||||
| 280 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 281 | 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 | ||||||||||||||||||||
| 282 | C | A | C | A | A | A | A | A | Closed | FCRE1479 | 2025-12-31 11:39 | 2026-01-06 11:25 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset 1 Meets Guideline Requirements - Due Diligence Vendor-01/06/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-01/06/2026 Open-Please provide an updated bank statement that covers a full 30-day period. Must show sufficient funds for closing/reserves as required. Guideline states “Account statements should cover the most recent 30-day period.” However, the provided xxx for A/Cxxx less than 30 days (xxx). - Due Diligence Vendor-12/31/2025 |
Resolved-Asset 1 Meets Guideline Requirements - Due Diligence Vendor-01/06/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 33.59% 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.57 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.57 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - 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 0.12 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) 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 | ||||
| 283 | 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 | ||||||||||||||||||||
| 284 | 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 | ||||||||||||||||||||
| 285 | D | A | D | A | C | A | A | A | Closed | FCRE0505 | 2025-12-30 23:01 | 2026-01-08 11:48 | Resolved | 1 - Information | C | A | Credit | Data | Occupancy is not Owner Occupied but Borrower(s) does intend to occupy property | Resolved-Updated 1003 and LOE provided - Due Diligence Vendor-01/08/2026 Ready for Review-Document Uploaded. - Seller-01/07/2026 Open-Document Uploaded. Final 1003 xxx states borrower will occupy the subject property as their primary residence however this is an Investment Purchase. - Due Diligence Vendor-01/07/2026 |
Ready for Review-Document Uploaded. - Seller-01/07/2026 |
Resolved-Updated 1003 and LOE provided - Due Diligence Vendor-01/08/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 37.21% 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 Borrower At Current Residence For Five (5) Or More Years - 5.17 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.81 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 285 | D | A | D | A | C | A | A | A | Closed | FCRE1182 | 2025-12-31 01:08 | 2026-01-07 08:40 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/07/2026 Ready for Review-Document Uploaded. - Seller-01/06/2026 Ready for Review-Document Uploaded. - Seller-01/06/2026 Open-1008/Underwriting Summary Not Provided Final 1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/31/2025 |
Ready for Review-Document Uploaded. - Seller-01/06/2026 Ready for Review-Document Uploaded. - Seller-01/06/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/07/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 37.21% 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 Borrower At Current Residence For Five (5) Or More Years - 5.17 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.81 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 285 | D | A | D | A | C | A | A | A | Closed | FCRE1325 | 2026-01-03 00:25 | 2026-01-07 08:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-01/07/2026 Ready for Review-Document Uploaded. - Seller-01/06/2026 Ready for Review-sorry - had the wrong loan up - attached is a copy of the guideline - we do not need a CPA letter to verify ownership and % ratio. Per the shareholder corp doc the borrower is 50% owner. We use a defaulted expense ration of 50%. So the income is determined on 50% ownership and 50% expense ratio - Seller-01/06/2026 Ready for Review-This loan is a DSCR loan - there will not be a CPA Letter showing the borrower's ownership percentage and expense ratio. - Seller-01/06/2026 Open-Borrower 1 CPA Letter Missing CPA Letter for xxx Missing showing the borrower's ownership percentage and Expense Ratio. - Due Diligence Vendor-01/03/2026 |
Ready for Review-Document Uploaded. - Seller-01/06/2026 Ready for Review-sorry - had the wrong loan up - attached is a copy of the guideline - we do not need a CPA letter to verify ownership and % ratio. Per the shareholder corp doc the borrower is 50% owner. We use a defaulted expense ration of 50%. So the income is determined on 50% ownership and 50% expense ratio - Seller-01/06/2026 Ready for Review-This loan is a DSCR loan - there will not be a CPA Letter showing the borrower's ownership percentage and expense ratio. - Seller-01/06/2026 |
Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-01/07/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 37.21% 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 Borrower At Current Residence For Five (5) Or More Years - 5.17 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.81 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 285 | D | A | D | A | C | A | A | A | Closed | FCRE1814 | 2026-01-03 00:15 | 2026-01-07 08:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Entity documents provided. - Due Diligence Vendor-01/07/2026 Ready for Review-Document Uploaded. - Seller-01/06/2026 Ready for Review-Document Uploaded. - Seller-01/06/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Entity docs for Vested Business: xxx (Certificate of good standing, and/or evidence of EIN) - Due Diligence Vendor-01/03/2026 |
Ready for Review-Document Uploaded. - Seller-01/06/2026 Ready for Review-Document Uploaded. - Seller-01/06/2026 |
Resolved-Entity documents provided. - Due Diligence Vendor-01/07/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 37.21% 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 Borrower At Current Residence For Five (5) Or More Years - 5.17 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.81 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 285 | D | A | D | A | C | A | A | A | Closed | FCRE7291 | 2026-01-03 00:14 | 2026-01-07 08:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Personal Guaranty is Unexecuted | Resolved-Personal Guaranty is Present and executed. - Due Diligence Vendor-01/07/2026 Ready for Review-Document Uploaded. - Seller-01/06/2026 Ready for Review-Document Uploaded. - Seller-01/06/2026 Open-Personal Guaranty is not executed. Provide fully executed Personal Guaranty documents and Loan Agreement - Due Diligence Vendor-01/03/2026 |
Ready for Review-Document Uploaded. - Seller-01/06/2026 Ready for Review-Document Uploaded. - Seller-01/06/2026 |
Resolved-Personal Guaranty is Present and executed. - Due Diligence Vendor-01/07/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 37.21% 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 Borrower At Current Residence For Five (5) Or More Years - 5.17 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.81 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 285 | D | A | D | A | C | A | A | A | Closed | FCOM1234 | 2025-12-30 23:01 | 2026-01-07 08:29 | Resolved | 1 - Information | C | A | Compliance | Closing Package | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-01/07/2026 Ready for Review-see other cond for missing document - Seller-01/06/2026 Open-The Final 1003 is Not Executed - Due Diligence Vendor-12/31/2025 |
Ready for Review-see other cond for missing document - Seller-01/06/2026 |
Resolved-The Final 1003 is Executed - Due Diligence Vendor-01/07/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 37.21% 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 Borrower At Current Residence For Five (5) Or More Years - 5.17 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.81 Years |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 285 | D | A | D | A | C | A | A | A | Closed | FCOM1223 | 2025-12-30 22:45 | 2026-01-07 08:25 | 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-01/07/2026 Ready for Review-see other cond for missing document - Seller-01/06/2026 Open-The Deed of Trust is Not Executed Please provide fully executed Deed of Trust and all applicable Riders. Docs imaged are not signed/dated by either parties. - Due Diligence Vendor-12/31/2025 |
Ready for Review-see other cond for missing document - Seller-01/06/2026 |
Resolved-The Deed of Trust is Executed - Due Diligence Vendor-01/07/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 37.21% 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 Borrower At Current Residence For Five (5) Or More Years - 5.17 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.81 Years |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 285 | D | A | D | A | C | A | A | A | Closed | FCOM1207 | 2025-12-30 22:42 | 2026-01-07 08:22 | Resolved | 1 - Information | C | A | Compliance | Closing Package | The Note is Not Executed | Resolved-The Note is Executed - Due Diligence Vendor-01/07/2026 Ready for Review-see other cond for document - Seller-01/06/2026 Open-The Note is Not Executed Provide fully executed Note for purchase. Document imaged is not executed. - Due Diligence Vendor-12/31/2025 |
Ready for Review-see other cond for document - Seller-01/06/2026 |
Resolved-The Note is Executed - Due Diligence Vendor-01/07/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 37.21% 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 Borrower At Current Residence For Five (5) Or More Years - 5.17 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.81 Years |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 286 | C | A | B | A | C | A | A | A | Closed | FCRE1182 | 2025-12-31 05:07 | 2026-01-07 08:55 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/07/2026 Ready for Review-Document Uploaded. - Seller-01/06/2026 Open-1008/Underwriting Summary Not Provided Final 1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/31/2025 |
Ready for Review-Document Uploaded. - Seller-01/06/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/07/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - 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 720 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 Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 41.53 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 286 | C | A | B | A | C | A | A | A | Closed | FCOM8891 | 2026-01-03 07:06 | 2026-01-07 08:53 | Resolved | 1 - Information | C | A | Compliance | Closing Package | Other Compliance | Resolved-Signed Loan agreement and Occupancy Affidavit provided - Due Diligence Vendor-01/07/2026 Ready for Review-Document Uploaded. - Seller-01/06/2026 Open-Please provide the fully Executed xxx between the borrower & Lender & Final Closing Disclosure. Documents received are not executed. - Due Diligence Vendor-01/03/2026 |
Ready for Review-Document Uploaded. - Seller-01/06/2026 |
Resolved-Signed Loan agreement and Occupancy Affidavit provided - Due Diligence Vendor-01/07/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - 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 720 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 Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 41.53 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 286 | C | A | B | A | C | A | A | A | Closed | FCOM1223 | 2025-12-31 02:14 | 2026-01-07 08:51 | 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-01/07/2026 Ready for Review-see other cond for docs - Seller-01/06/2026 Open-The Deed of Trust is Not Executed Please provide fully Executed Deed of Trust and all applicable Riders - Due Diligence Vendor-12/31/2025 |
Ready for Review-see other cond for docs - Seller-01/06/2026 |
Resolved-The Deed of Trust is Executed - Due Diligence Vendor-01/07/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - 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 720 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 Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 41.53 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 286 | C | A | B | A | C | A | A | A | Closed | FCOM1207 | 2025-12-31 01:53 | 2026-01-07 08:50 | Resolved | 1 - Information | C | A | Compliance | Closing Package | The Note is Not Executed | Resolved-The Note is Executed - Due Diligence Vendor-01/07/2026 Ready for Review-see other cond for docs - Seller-01/06/2026 Open-The Note is Not Executed Provide fully executed Note - Due Diligence Vendor-12/31/2025 |
Ready for Review-see other cond for docs - Seller-01/06/2026 |
Resolved-The Note is Executed - Due Diligence Vendor-01/07/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - 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 720 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 Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 41.53 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 286 | C | A | B | A | C | A | A | A | Closed | FCOM1234 | 2025-12-31 02:24 | 2026-01-07 08:49 | Resolved | 1 - Information | C | A | Compliance | Closing Package | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-01/07/2026 Ready for Review-see other cond for docs - Seller-01/07/2026 Open-The Final 1003 is Not Executed Please provide the fully executed Final 1003 - Due Diligence Vendor-12/31/2025 |
Ready for Review-see other cond for docs - Seller-01/07/2026 |
Resolved-The Final 1003 is Executed - Due Diligence Vendor-01/07/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - 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 720 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 Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 41.53 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 287 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 288 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 289 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 290 | D | A | D | A | A | A | A | A | Closed | FCRE1198 | 2025-12-31 17:38 | 2026-01-12 10:32 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 9.58 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-01/12/2026 Ready for Review-Document Uploaded. - Seller-01/09/2026 Counter-ALTA provided however Subject is a Primary and a PCCD is required. - Due Diligence Vendor-01/08/2026 Ready for Review-Document Uploaded. attached shows that the funds needed to close are xxx + xxx - Seller-01/07/2026 Counter-Cash to close per Final CD xxx- Total Audited assets total xxx / breakdown: xxx Gift Funds xxx = 6 Month reserves xxx / CTC xxx- Short reserves by -xxx - Due Diligence Vendor-01/07/2026 Ready for Review-Document Uploaded. - Seller-01/07/2026 Counter-Apologies for the confusion: Total Audited assets total xxx/ breakdown: xxx / xxx / Gift Funds xxx = 6 Month reserves xxx/ CTC xxx - Short reserves by -xxx - Due Diligence Vendor-01/05/2026 Ready for Review-Document Uploaded. Assets remaining less the Gift funds and EMD are xxx Reserves needed for 6 mos - xxx - Seller-01/05/2026 Open-Audited Reserves of 5.33 are less than Guideline Required Reserves of 6/Lender used 3 mo reserves, no documentation found in the file to reduce reserves - Due Diligence Vendor-12/31/2025 |
Ready for Review-Document Uploaded. - Seller-01/09/2026 Ready for Review-Document Uploaded. attached shows that the funds needed to close are xxx + xxx. - Seller-01/07/2026 Ready for Review-Document Uploaded. - Seller-01/07/2026 Ready for Review-Document Uploaded. Assets remaining less the Gift funds and EMD are xxx Reserves needed for 6 mos - xxx - Seller-01/05/2026 |
Resolved-Audited Reserves of 9.58 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-01/12/2026 |
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 0.05 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 - 8.37 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 | |||
| 290 | D | A | D | A | A | A | A | A | Closed | FCRE1195 | 2026-01-02 15:57 | 2026-01-12 10:32 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 85% is less than or equal to Guideline CLTV of 90% - Due Diligence Vendor-01/07/2026 Ready for Review-Document Uploaded. - Seller-01/05/2026 Open-Audited CLTV of 85% exceeds Guideline CLTV of 80% Per guidelines loan amounts between xxx-1 Million with Min FICO of xxx have a maximum LTV of 80% for Purchases with Bank Statement doc type - Due Diligence Vendor-01/02/2026 |
Ready for Review-Document Uploaded. - Seller-01/05/2026 |
Resolved-Audited CLTV of 85% is less than or equal to Guideline CLTV of 90% - Due Diligence Vendor-01/07/2026 |
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 0.05 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 - 8.37 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 | |||
| 290 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2025-12-31 14:43 | 2026-01-05 14:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/05/2026 Ready for Review-Document Uploaded. - Seller-01/05/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-12/31/2025 |
Ready for Review-Document Uploaded. - Seller-01/05/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/05/2026 |
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 0.05 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 - 8.37 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 | |||
| 291 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 292 | D | A | D | A | A | A | A | A | Closed | FCRE1173 | 2026-01-06 07:20 | 2026-01-08 11:29 | 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-01/08/2026 Ready for Review-Document Uploaded. - Seller-01/07/2026 Open-Missing HO-6 Master Insurance Policy missing Condo master policy - Due Diligence Vendor-01/06/2026 |
Ready for Review-Document Uploaded. - Seller-01/07/2026 |
Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-01/08/2026 |
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 0.07 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 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 - 11.89 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.89 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 740 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.34% 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 63.77% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 63.77% 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 | |||
| 293 | 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 | ||||||||||||||||||||
| 294 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 295 | 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 | ||||||||||||||||||||
| 296 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 297 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 298 | 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 | ||||||||||||||||||||
| 299 | 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 | ||||||||||||||||||||
| 300 | 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 | ||||||||||||||||||||
| 301 | 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 | ||||||||||||||||||||
| 302 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 303 | 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 | ||||||||||||||||||||
| 304 | D | A | A | A | A | A | D | A | Closed | FPRO1244 | 2026-01-06 15:48 | 2026-01-15 10:37 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided - Due Diligence Vendor-01/15/2026 Ready for Review-Document Uploaded. CDA - Seller-01/14/2026 Counter-Unable to open attachment, Please re-upload. - Due Diligence Vendor-01/10/2026 Ready for Review-Document Uploaded. - Seller-01/09/2026 Open- - Due Diligence Vendor-01/06/2026 |
Ready for Review-Document Uploaded. CDA - Seller-01/14/2026 Ready for Review-Document Uploaded. - Seller-01/09/2026 |
Resolved-desk review provided - Due Diligence Vendor-01/15/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 65% 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 - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 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 - 24.17 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 17.02% 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 - 35 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 491.29 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 - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.61 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 305 | D | A | D | A | A | A | A | A | Closed | FCRE1180 | 2026-01-05 16:57 | 2026-01-08 11:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | HO-6 Insurance Policy is Missing | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-01/08/2026 Ready for Review-Document Uploaded. see attached master with walls in. - Buyer-01/07/2026 Open-HO-6 Insurance Policy is Missing The Master Policy is missing. - Due Diligence Vendor-01/05/2026 |
Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-01/08/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 32.9% 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 0.17 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 38.83 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 720 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 | ||||
| 306 | C | B | C | B | A | A | A | A | Closed | FCRE1198 | 2026-01-06 23:25 | 2026-01-16 10:24 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception granted with supporting comp factors: Required - 6 months Subject - 5.45 months (short approx xxx) - Due Diligence Vendor-01/16/2026 Ready for Review-Document Uploaded. Concur-please see attached exception approval - Buyer-01/15/2026 Open-Audited Reserves of are less than Guideline Required Reserves of 6 The audited reserves are below the guideline-required reserves of 6. - Due Diligence Vendor-01/07/2026 |
Waived-Exception granted with supporting comp factors: Required - 6 months Subject - 5.45 months (short approx xxx) - Due Diligence Vendor-01/16/2026 |
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 0.19 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 |
LTV - Max - 90% Subject - 80% Credit History - No lates in the last 36 months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxx | |||
| 307 | D | A | D | A | A | A | C | A | Closed | FCRE5116 | 2026-01-06 12:04 | 2026-01-08 09:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-01/08/2026 Ready for Review-Document Uploaded. Please see attached, which were included in the loan file. - Buyer-01/07/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The documentation supporting a 12-month rental payment history is missing and is required per GL for both a First-Time Homebuyer and a First-Time Investor. - Due Diligence Vendor-01/06/2026 |
Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-01/08/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.83 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 307 | D | A | D | A | A | A | C | A | Closed | FPRO1137 | 2026-01-06 00:05 | 2026-01-08 09:38 | Resolved | 1 - Information | C | A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-01/08/2026 Ready for Review-Document Uploaded. see screenshot from the xxx licensing agency. - Buyer-01/07/2026 Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date Provide a copy of the Appraiser's Active License at the time of the valuation date of xxx - Primary Value appraiser's license (xxx -Issue date xxx) was not effective prior to the Valuation Date of xxx. - Due Diligence Vendor-01/06/2026 |
Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-01/08/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.83 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 308 | 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 | ||||||||||||||||||||
| 309 | D | A | D | A | A | A | A | A | Closed | FCRE8639 | 2026-01-06 19:01 | 2026-01-08 11:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-01/08/2026 Ready for Review-Document Uploaded. see attached. - Buyer-01/07/2026 Open-Personal Guaranty is missing. Fully executed Guaranty Agreement is missing. - Due Diligence Vendor-01/07/2026 |
Resolved-Personal Guaranty is Present. - Due Diligence Vendor-01/08/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.00 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 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.44 Are Greater Than The Guideline Minimum Of 6 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 | ||||
| 310 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-01-07 22:45 | 2026-01-14 14:53 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 7.2 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-01/14/2026 Ready for Review-Document Uploaded. - Seller-01/13/2026 Open-Audited Reserves of 2.62 are less than Guideline Required Reserves of 6 Provide additional asset documentation to support required total subject reserves of 6 months totaling xxx. Currently only 2 months in file using cash out proceeds totaling xxx. Total reserve amount shortage is xxx - Due Diligence Vendor-01/08/2026 |
Ready for Review-Document Uploaded. - Seller-01/13/2026 |
Resolved-Audited Reserves of 7.2 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-01/14/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 Years | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 311 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-01-06 15:44 | 2026-01-07 15:20 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 11.85 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-01/07/2026 Ready for Review-Document Uploaded. the deposit on 12/19 brought the balance to xxx - Seller-01/06/2026 Open-Audited Reserves of are less than Guideline Required Reserves of xxx nov statement shows bal xxx vs final loan app pg xxx. please advise on shortage of funds required. Total Liquid Assets Available For Close xxx Cash Required from Borrower (Negative To Borrower) xxx Total Reserve Amount Shortage-xxx Liquid Funds Post Close -xxx - Due Diligence Vendor-01/06/2026 |
Ready for Review-Document Uploaded. the deposit on 12/19 brought the balance to xxx- Seller-01/06/2026 |
Resolved-Audited Reserves of 11.85 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-01/07/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.00 Years | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 311 | C | A | C | A | A | A | A | A | Closed | FCRE7000 | 2026-01-06 15:41 | 2026-01-07 15:20 | 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-01/07/2026 Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx. xxx nov statement shows bal xxx vs final loan app pg xxx. please advise on shortage of funds required. Total Liquid Assets Available For Close xxx Cash Required from Borrower (Negative To Borrower) xxx Total Reserve Amount Shortage-xxx Liquid Funds Post Close -xxx - Due Diligence Vendor-01/06/2026 |
Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-01/07/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.00 Years | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||||
| 312 | D | A | A | A | D | A | A | A | Closed | FCOM1233 | 2026-01-06 21:49 | 2026-01-15 08:25 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-Corrected Date provided. - Due Diligence Vendor-01/15/2026 Ready for Review-Document Uploaded. - Buyer-01/14/2026 Counter-Document Uploaded. the condition states the Final 1003 Signature was dated with the year of "xxx" - Due Diligence Vendor-01/12/2026 Ready for Review-Document Uploaded. - Buyer-01/08/2026 Open-The Final 1003 is Incomplete, In Final 1003 Signature date xxx - Due Diligence Vendor-01/07/2026 |
Resolved-Corrected Date provided. - Due Diligence Vendor-01/15/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 84.51 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 - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70.88% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 313 | D | A | D | A | A | A | A | A | Closed | FCRE1241 | 2026-01-07 02:52 | 2026-01-11 09:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-01/11/2026 Ready for Review-Document Uploaded. - Buyer-01/08/2026 Open-Purchase Contract Is Missing Provide the missing Purchase contract for the subject property - Due Diligence Vendor-01/07/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-01/11/2026 |
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 0.1 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) 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 - 7.26 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 | ||||
| 314 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 315 | B | B | B | B | A | A | A | A | Closed | FCRE1491 | 2026-01-15 09:23 | 2026-01-15 09:23 | Waived | 2 - Non-Material | B | B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Asset Qualification Does Not Meet Guideline Requirements Exception to allow up to 6% IPC - Due Diligence Vendor-01/15/2026 | Waived-Asset Qualification Does Not Meet Guideline Requirements Exception to allow up to 6% IPC - Due Diligence Vendor-01/15/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.33 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.12 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
-0x30x24 mortgage history -BORROWER AT CURRENT RESIDENCE FOR FIVE (5) OR MORE YEARS |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx | ||||
| 316 | 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 | ||||||||||||||||||||
| 317 | 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 | ||||||||||||||||||||
| 318 | D | A | D | A | A | A | D | A | Closed | FPRO868 | 2026-01-12 08:23 | 2026-01-22 10:31 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | Desk Review Value(s) Do Not Adhere To Tolerance Criteria | Resolved-desk review provided - Due Diligence Vendor-01/22/2026 Ready for Review-Document Uploaded. - Seller-01/21/2026 Open-Desk review Value of xxx does not meet the <10% tolerance required by Guidelines. (Desk review -13.61%) - Due Diligence Vendor-01/12/2026 |
Ready for Review-Document Uploaded. - Seller-01/21/2026 |
Resolved-desk review provided - Due Diligence Vendor-01/22/2026 |
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 0 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 139.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 318 | D | A | D | A | A | A | D | A | Closed | FPRO1242 | 2026-01-07 04:46 | 2026-01-22 10:31 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-01/08/2026 Ready for Review-Document Uploaded. - Seller-01/07/2026 Open-Appraisal is Missing - Due Diligence Vendor-01/07/2026 |
Ready for Review-Document Uploaded. - Seller-01/07/2026 |
Resolved-Appraisal has been provided - Due Diligence Vendor-01/08/2026 |
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 0 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 139.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 318 | D | A | D | A | A | A | D | A | Closed | FPRO1244 | 2026-01-08 10:09 | 2026-01-12 08:24 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided - Due Diligence Vendor-01/12/2026 Ready for Review-Document Uploaded. - Seller-01/11/2026 Counter-Missing Desk review/3rd party valuation from the loan file - Due Diligence Vendor-01/10/2026 Ready for Review-Document Uploaded. - Seller-01/08/2026 Open-Missing Desk review/3rd party valuation from the loan file - Due Diligence Vendor-01/08/2026 |
Ready for Review-Document Uploaded. - Seller-01/11/2026 Ready for Review-Document Uploaded. - Seller-01/08/2026 |
Resolved-Desk review provided - Due Diligence Vendor-01/12/2026 |
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 0 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 139.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 318 | D | A | D | A | A | A | D | A | Closed | FCRE1182 | 2026-01-07 05:13 | 2026-01-08 10:17 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/08/2026 Ready for Review-Document Uploaded. - Seller-01/07/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-01/07/2026 |
Ready for Review-Document Uploaded. - Seller-01/07/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/08/2026 |
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 0 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 139.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 318 | D | A | D | A | A | A | D | A | Closed | FCRE5770 | 2026-01-07 05:00 | 2026-01-08 10:13 | 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-01/08/2026 Ready for Review-Document Uploaded. - Seller-01/07/2026 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-01/07/2026 |
Ready for Review-Document Uploaded. - Seller-01/07/2026 |
Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-01/08/2026 |
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 0 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 139.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 318 | D | A | D | A | A | A | D | A | Closed | FCRE1201 | 2026-01-07 04:58 | 2026-01-08 10:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/08/2026 Ready for Review-Document Uploaded. - Seller-01/07/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-01/07/2026 |
Ready for Review-Document Uploaded. - Seller-01/07/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/08/2026 |
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 0 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 139.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 319 | 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 | ||||||||||||||||||||
| 320 | 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 | ||||||||||||||||||||
| 321 | C | A | C | A | A | A | A | A | Closed | FCRE1440 | 2026-01-09 04:21 | 2026-01-16 16:23 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/16/2026 Ready for Review-Document Uploaded. - Buyer-01/16/2026 Counter-Provided VPM Approved Exception form with compensating factors. the email chain provided is from their Scenario Desk. - Due Diligence Vendor-01/15/2026 Ready for Review-Document Uploaded. - Buyer-01/14/2026 Open-Housing History Does Not Meet Guideline Requirements Housing History is missing for xxx - Due Diligence Vendor-01/09/2026 |
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/16/2026 |
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 - 30.86 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 0.06 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.75 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 - 30.86 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.86% 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 | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 322 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 323 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 324 | 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 | ||||||||||||||||||||
| 325 | C | B | C | B | A | A | A | A | Closed | FCRE3874 | 2026-01-09 18:03 | 2026-01-15 14:27 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Exception granted with supporting comp factors: Exception needed for DSCR Rural property - Due Diligence Vendor-01/15/2026 Ready for Review-Document Uploaded. - Buyer-01/14/2026 Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Rural - Ocean front property located in xxx and xxx. xxx Exception form page 479 is not approved or signed. - Due Diligence Vendor-01/09/2026 |
Waived-Exception granted with supporting comp factors: Exception needed for DSCR Rural property - Due Diligence Vendor-01/15/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 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 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 320.33 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
6 months reserves greater than the program requirement FICO 20+ points greater than program requirement DTI > 10% below program requirement OR DSCR > 1.15 5 years in current job VOR/VOM 0x30x24 Borrower has post closing reserves of xxx. |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx | |||
| 326 | D | B | C | B | D | A | A | A | Closed | FCRE1440 | 2026-01-15 12:45 | 2026-02-09 13:30 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception granted with supporting comp factors: Exception needed for borrower not having a 6-month primary mtg history. Has been renting for the last 2 years - Due Diligence Vendor-02/09/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-02/09/2026 Open-Housing History Does Not Meet Guideline Requirements Per Guidelines: 5.4 First Time Investor - DSCR -xxx defines a First Time Investor as a borrower who has not owned at least one (1) investment property for a minimum of twelve (12) months anytime during the most recent 36 months. "CBR and Fraud report reflects Borrower currently owns 1 Investment property with a purchase date ofxxx Bwr is not considered a FTHB. Bwr currently rents and VOR was provided however it does not meet the 6 months Primary "Mortgage" History requirement per Guidelines. - Due Diligence Vendor-01/15/2026 |
Waived-Exception granted with supporting comp factors: Exception needed for borrower not having a 6-month primary mtg history. Has been renting for the last 2 years - Due Diligence Vendor-02/09/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 92.27 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 - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
DSCR Required - 1.0 Subject - 2.8% Reserves - Required - 3 months Subject - 90+ months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx | |||
| 326 | D | B | C | B | D | A | A | A | Closed | FCOM1232 | 2026-01-11 18:57 | 2026-01-14 07:29 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-Final 1003 provided - Due Diligence Vendor-01/14/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-01/13/2026 Open-Missing complete Final 1003 pages 1–8, fully executed and dated by Borrower 1 (B1). - Due Diligence Vendor-01/11/2026 |
Resolved-Final 1003 provided - Due Diligence Vendor-01/14/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 92.27 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 - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 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 | ||||
| 326 | D | B | C | B | D | A | A | A | Closed | FCOM1220 | 2026-01-11 05:18 | 2026-01-14 07:28 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-01/14/2026 Ready for Review-Document Uploaded. see attached. - Buyer-01/13/2026 Open-The Deed of Trust is Missing The fully executed Deed of Trust is missing from the borrower, xxx, a xxx, by xxx Managing Member and Manager. - Due Diligence Vendor-01/11/2026 |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-01/14/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 92.27 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 - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 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 | ||||
| 327 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 328 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-01-11 20:50 | 2026-01-15 11:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Missing HOI policy for Primary Residence, HOI was provided in another Condition. - Due Diligence Vendor-01/15/2026 Ready for Review-Please provide more information. Which property? - Buyer-01/14/2026 Open- - Due Diligence Vendor-01/12/2026 |
Resolved-Missing HOI policy for Primary Residence, HOI was provided in another Condition. - Due Diligence Vendor-01/15/2026 |
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 0.22 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 113.17 Are Greater Than The Guideline Minimum Of 9 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 - 5.17 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |||||
| 329 | D | A | A | A | D | A | A | A | Closed | FCOM1220 | 2026-01-10 21:21 | 2026-01-14 07:26 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-01/14/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-01/13/2026 Open-The Deed of Trust is Missing Provide the fully executed Deed of Trust for the subject property.. - Due Diligence Vendor-01/11/2026 |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-01/14/2026 |
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 - 10.16 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.43% 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 720 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 0.17 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 - 5.18 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 | ||||
| 330 | 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 | ||||||||||||||||||||
| 331 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 332 | B | B | B | B | A | A | A | A | Closed | FCRE1247 | 2026-01-10 11:15 | 2026-01-11 12:26 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Seller Contribution Exceeds Program Maximum | Waived-Exception to allow IPC up to 6% at 90 LTV - Due Diligence Vendor-01/10/2026 | Waived-Exception to allow IPC up to 6% at 90 LTV - Due Diligence Vendor-01/10/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.49 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 32.57% 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 720 By Twenty (20) or More Points |
* 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 |
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 | ||||
| 333 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 334 | D | A | D | A | A | A | A | A | Closed | FCRE1157 | 2026-01-10 22:56 | 2026-01-18 08:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-01/18/2026 Ready for Review-Document Uploaded. - Buyer-01/16/2026 Open-Missing Hazard Insurance Policy for Subject property-xxx - Due Diligence Vendor-01/11/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-01/18/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 109.13 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 335 | 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 | ||||||||||||||||||||
| 336 | D | A | A | A | D | A | A | A | Closed | FCOM1233 | 2026-01-10 07:12 | 2026-01-14 16:40 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-Non material - Due Diligence Vendor-01/14/2026 Open-The Final 1003 is Incomplete Final 1003 is undated. - Due Diligence Vendor-01/10/2026 |
Resolved-Non material - Due Diligence Vendor-01/14/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.00 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 720 By Twenty (20) or More Points |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||||
| 337 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 338 | B | A | B | A | A | A | A | A | Closed | FCRE1183 | 2026-01-12 17:22 | 2026-01-14 15:19 | 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-01/14/2026 Ready for Review-Document Uploaded. - Seller-01/13/2026 Open-1008/Underwriting Summary Partially Provided Provide final 1008 showing final loan amount of xxx and correct ltv of 72.61% - Due Diligence Vendor-01/12/2026 |
Ready for Review-Document Uploaded. - Seller-01/13/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/14/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 81.54 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 - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 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 | |||
| 339 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 340 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-01-12 04:35 | 2026-01-14 12:02 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-Lender confirmation of xxx application date has been provided - Due Diligence Vendor-01/14/2026 Ready for Review-Document Uploaded. - Seller-01/13/2026 Open-Need clarification of Application date xxx. - Due Diligence Vendor-01/12/2026 |
Ready for Review-Document Uploaded. - Seller-01/13/2026 |
Resolved-Lender confirmation of xxx application date has been provided - Due Diligence Vendor-01/14/2026 |
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 | ||||
| 341 | 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 | ||||||||||||||||||||
| 342 | 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 | ||||||||||||||||||||
| 343 | 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 | ||||||||||||||||||||
| 344 | 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 | ||||||||||||||||||||
| 345 | B | B | A | A | A | A | B | B | Closed | FVAL9739 | 2026-07-15 11:44 | 2026-07-15 14:52 | Waived | 1 - Information | B | B | Property | Appraisal | Property/Appraisal General | Open-2 review products provided to meet review product tolerance - Due Diligence Vendor-07/15/2026 Waived-Non material - impacts xxx grade only. - Due Diligence Vendor-07/15/2026 |
Waived-Non material - impacts xxx grade only. - Due Diligence Vendor-07/15/2026 |
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 - 9.95 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.87% 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 680 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 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx | |||||
| 346 | 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 | ||||||||||||||||||||
| 347 | 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 | ||||||||||||||||||||
| 348 | B | B | B | B | A | A | A | A | Closed | FCRE3874 | 2026-01-11 23:47 | 2026-01-13 08:36 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Exception to allow up to 6% IPC on investment property - Due Diligence Vendor-01/13/2026 | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Exception to allow up to 6% IPC on investment property - Due Diligence Vendor-01/13/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) 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 - 6.86 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 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 217.83 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 0.15 |
-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 |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx | ||||
| 349 | C | A | C | A | A | A | A | A | Closed | FCRE1344 | 2026-01-11 09:47 | 2026-01-20 11:07 | Resolved | 1 - Information | C | A | Credit | Income | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Resolved- - Due Diligence Vendor-01/20/2026 Ready for Review-Document Uploaded. Please see Income worksheet attached. - Seller-01/20/2026 Counter-Please provide the Total breakdown of the Deposits/Excluded Deposits as the Lenders B/S worksheet does not reflect that information - Due Diligence Vendor-01/15/2026 Ready for Review-Document Uploaded. Bank statements attached - Seller-01/14/2026 Open-xxx 12 month business bank statements are missing from the file. The file only has the month of November found on pgs 154-155 - Due Diligence Vendor-01/11/2026 |
Ready for Review-Document Uploaded. Please see Income worksheet attached. - Seller-01/20/2026 Ready for Review-Document Uploaded. Bank statements attached - Seller-01/14/2026 |
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 0.05 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 - 8.01 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.99 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 24.63% 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 720 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 | ||||
| 349 | C | A | C | A | A | A | A | A | Closed | FCRE1182 | 2026-01-11 08:39 | 2026-01-15 11:17 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/15/2026 Ready for Review-Document Uploaded. please see attached 1008 - Seller-01/14/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-01/11/2026 |
Ready for Review-Document Uploaded. please see attached 1008 - Seller-01/14/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/15/2026 |
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 0.05 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 - 8.01 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.99 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 24.63% 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 720 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 | |||
| 350 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 351 | D | A | D | A | A | A | A | A | Closed | FCRE8639 | 2026-01-14 08:16 | 2026-01-20 13:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-01/20/2026 Ready for Review-Document Uploaded. - Seller-01/20/2026 Open-Personal Guaranty is Missing. . Guaranty Agreement provided is not a personal guaranty as required. Both borrowers signed as members and not as individuals. Provide correct personal guaranty showing borrowers as individuals. - Due Diligence Vendor-01/14/2026 |
Ready for Review-Document Uploaded. - Seller-01/20/2026 |
Resolved-Personal Guaranty is Present. - Due Diligence Vendor-01/20/2026 |
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 31.42 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 43.08% 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 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 352 | 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 | ||||||||||||||||||||
| 353 | D | B | A | A | D | B | A | A | Closed | FCOM1233 | 2026-01-13 14:11 | 2026-02-10 06:47 | Waived | 2 - Non-Material | D | B | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Waived-Exception granted with supporting comp factors: Exception needed for documentation used to list the borrower's REO properties - Due Diligence Vendor-02/10/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-02/09/2026 Counter-The wrong version of the 1003 was provided, also the Initial 1003 (per the documents in the Lenders loan file) is dated xxx however the application provided in this condition is dated xxx - Due Diligence Vendor-01/21/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-01/20/2026 Open-The Final 1003 REO section reflects only three mortgages for Borrower 1’s primary residence and the subject property (xxx, and xxx); however, the CBR also reports additional mortgages with xxx acct xxx, xxx, and xxx , and the REO schedule lists four properties (xxx) with no income or expense information completed. Per xxx(DSCR/Professional Investor – Required Information), a minimum of five borrower-owned properties must be disclosed on the REO schedule, including properties not reported on credit, and all REO fields (including mortgage balances and gross rents) must be fully completed - the mortgages on the CBR need to be associated to the correct property, etc... - Due Diligence Vendor-01/13/2026 |
Waived-Exception granted with supporting comp factors: Exception needed for documentation used to list the borrower's REO properties - Due Diligence Vendor-02/10/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.73 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 % Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Numerous accounts with history dating back to 2016. No lates reported B is a professional investor. |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxx | |||
| 354 | C | B | C | B | A | A | A | A | Closed | FCRE6843 | 2026-01-13 17:34 | 2026-01-15 11:02 | Waived | 2 - Non-Material | C | B | Credit | Assets | Asset General | Waived-Exception granted with supporting comp factors: Exception needed to waive the requirement for a gift letter from the borrower's spouse who will be on title - Due Diligence Vendor-01/15/2026 Ready for Review-Document Uploaded. Rebut=exception for not having the gift letter was in the file but is attached again. - Buyer-01/14/2026 Open-Missing executed gift letter from xxx for the xxx received on xxx from xxx account ending xxx into Borrower 1’s xxx account ending xxx; the gift letter provided reflects only xxx received on xxx and does not support the xxx deposit received on xxx. - Due Diligence Vendor-01/13/2026 |
Waived-Exception granted with supporting comp factors: Exception needed to waive the requirement for a gift letter from the borrower's spouse who will be on title - Due Diligence Vendor-01/15/2026 |
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 720 By Twenty (20) or More Points 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 - 8.81 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 - 15.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.41 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 31.51% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Credit History - History dating back to 2003. No derogs reported. DTI Max - 50% Subj - 32% |
xxx | 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 | |||
| 355 | 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 | ||||||||||||||||||||
| 356 | 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 | ||||||||||||||||||||
| 357 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 358 | D | A | A | A | A | A | D | A | Closed | FPRO1242 | 2026-01-13 05:54 | 2026-01-15 10:43 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-01/15/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-01/15/2026 Open-Appraisal is Missing Loan amount is greater than xxx .As per guidelines 2 full appraisals are required. - Due Diligence Vendor-01/13/2026 |
Resolved-Appraisal has been provided - Due Diligence Vendor-01/15/2026 |
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 - 10.06 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 - 25.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.94 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.69% 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 | ||||
| 359 | 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 | ||||||||||||||||||||
| 360 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 361 | 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 | ||||||||||||||||||||
| 362 | 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 | ||||||||||||||||||||
| 363 | B | A | B | A | A | A | A | A | Closed | FCRE1183 | 2026-01-13 00:43 | 2026-01-16 11:14 | 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-01/16/2026 Ready for Review-?? "Partially Provided"? please clarify what else is needed. Thanks - Buyer-01/15/2026 Open-1008/Underwriting Summary Partially Provided - Due Diligence Vendor-01/15/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-01/15/2026 Open-1008/Underwriting Summary Partially Provided Provide an updated 1008 that aligns with the Note loan amount of xxx, as the partially provided 1008 reflects a loan amount of xxx. - Due Diligence Vendor-01/13/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/16/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.97 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 - 11.08 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.5% 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 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | ||||
| 364 | 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 | ||||||||||||||||||||
| 365 | C | A | C | A | A | A | A | A | Closed | FCRE1482 | 2026-01-13 01:36 | 2026-01-22 09:50 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-01/22/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-01/21/2026 Open-Asset 4 Does Not Meet Guideline Requirements All proof of doc's are missing for asset xxx Provide copy of Cashiers check/check copy or wire confirmation and proof received by settlement agent. - Due Diligence Vendor-01/13/2026 |
Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-01/22/2026 |
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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.21 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 42.14% 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 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 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - 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 0.22 |
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 | ||||
| 366 | 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 | ||||||||||||||||||||
| 367 | C | B | A | A | C | B | A | A | Closed | finding-3712 | 2026-01-14 16:33 | 2026-01-21 13:06 | Cured | 2 - Non-Material | C | B | Compliance | State Reg | xxx Per Diem Interest Amount Test | Cured-Received cure package - Due Diligence Vendor-01/21/2026 Cured-Received cure package - Due Diligence Vendor-01/21/2026 Resolved-Received cure package - Due Diligence Vendor-01/21/2026 Resolved- - Due Diligence Vendor-01/21/2026 Open- - Due Diligence Vendor-01/21/2026 Open- - Due Diligence Vendor-01/21/2026 Ready for Review-Document Uploaded. please see attached. - Buyer-01/20/2026 Counter-**Received PCCD with updated Disbursement date. Updated testing yielded new finding. PCCD Prepaid interest collected is From xxx to xxx for xxx. Loan closed on xxx and disbursed on xxx. - Due Diligence Vendor-01/14/2026 Open-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan (xxx) exceeds the per diem interest charge or credit threshold (xxx).PLEASE NOTE: An additional $1 buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-01/14/2026 Open- - Due Diligence Vendor-01/14/2026 |
Cured-Received cure package - Due Diligence Vendor-01/21/2026 Cured-Received cure package - Due Diligence Vendor-01/21/2026 Resolved-Received cure package - Due Diligence Vendor-01/21/2026 |
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 - 10.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 16.02% 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 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 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 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 - 6.00 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 | ||||
| 367 | C | B | A | A | C | B | A | A | Closed | FCOM2276 | 2026-01-13 08:30 | 2026-01-14 16:36 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-**Received PCCD with updated Disbursement date. Updated testing yielded new finding. - Due Diligence Vendor-01/14/2026 Ready for Review-Document Uploaded. see attached. - Buyer-01/14/2026 Open-Final CD disbursement date xxx closing date or consummation date xxx which is after the disbursement date so unable to run compliance ease. Please provide PCCD with the updated disbursement date on or after the consummation date xxx - Due Diligence Vendor-01/13/2026 |
Resolved-**Received PCCD with updated Disbursement date. Updated testing yielded new finding. - Due Diligence Vendor-01/14/2026 |
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 - 10.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 16.02% 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 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 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 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 - 6.00 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 | ||||
| 368 | 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 | ||||||||||||||||||||
| 369 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 370 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 371 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2026-01-13 23:35 | 2026-02-09 18:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-01/16/2026 Ready for Review-Document Uploaded. - Seller-01/15/2026 Open-Title Document is missing - Due Diligence Vendor-01/14/2026 |
Ready for Review-Document Uploaded. - Seller-01/15/2026 |
Resolved-Title Document is fully Present - Due Diligence Vendor-01/16/2026 |
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 700 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 | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 371 | D | A | D | A | A | A | A | A | Closed | FCRE1815 | 2026-01-14 14:44 | 2026-01-16 12:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-entity documents provided - Due Diligence Vendor-01/16/2026 Ready for Review-Document Uploaded. - Seller-01/15/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Articles of formation/equivalent - Due Diligence Vendor-01/14/2026 |
Ready for Review-Document Uploaded. - Seller-01/15/2026 |
Resolved-entity documents provided - Due Diligence Vendor-01/16/2026 |
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 700 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 | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 372 | B | B | B | B | A | A | A | A | Closed | FCRE1192 | 2026-01-15 16:58 | 2026-01-15 16:58 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Reserves are less than Required Reserves (Number of Months) | Waived-Required - 6 months Subject - 3 months used to qualify - Due Diligence Vendor-01/15/2026 | Waived-Required - 6 months Subject - 3 months used to qualify - Due Diligence Vendor-01/15/2026 |
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 720 By Twenty (20) or More Points | History dating back to 2001. NO lates reported. Borrower owns another unit in this project under his LLC. Personally has been renting his primary since 2006. |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx | ||||
| 373 | D | A | A | A | A | A | D | A | Closed | FPRO1244 | 2026-01-16 11:35 | 2026-02-02 10:41 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided. - Due Diligence Vendor-02/02/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-01/31/2026 Open-Desk Review variance exceeds 10%. - Due Diligence Vendor-01/16/2026 |
Resolved-Desk review provided. - Due Diligence Vendor-02/02/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - 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 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 58.56% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | ||||
| 374 | C | A | A | A | C | A | A | A | Closed | FCOM2276 | 2026-01-18 08:45 | 2026-01-21 17:42 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-01/21/2026 Ready for Review-Document Uploaded. see attached. - Buyer-01/20/2026 Open-The Final CD's disbursement date is prior to the closing date of xxx. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-01/18/2026 |
Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-01/21/2026 |
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 - 16.90 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 - 16.91 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 0.11 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 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.92 Are Greater Than The Guideline Minimum Of 12 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 | Second Home | Purchase | NA | N/A | N/A | xxx | ||||
| 375 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 376 | C | A | C | A | C | A | A | A | Closed | FCRE1159 | 2026-01-14 23:18 | 2026-01-20 07:35 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-PCCD provided Disbursement date xxx - Due Diligence Vendor-01/20/2026 Ready for Review-Document Uploaded. See Attached, - Buyer-01/16/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Hazard Insurance policy reflects an effective date of xxx, which is subsequent to the Disbursement Date of xxx and does not provide coverage as of the disbursement date. Please Advise - Due Diligence Vendor-01/15/2026 |
Resolved-PCCD provided Disbursement date xxx - Due Diligence Vendor-01/20/2026 |
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 - 7.98 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 0.0 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 11.81% 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 176.25 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months 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 - 8.74 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 720 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 | ||||
| 376 | C | A | C | A | C | A | A | A | Closed | finding-3712 | 2026-01-16 10:25 | 2026-01-20 07:00 | Resolved | 1 - Information | C | A | Compliance | State Reg | xxx Per Diem Interest Amount Test | Resolved- - Due Diligence Vendor-01/20/2026 Resolved- - Due Diligence Vendor-01/20/2026 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-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 |
Resolved- - Due Diligence Vendor-01/20/2026 |
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 - 7.98 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 0.0 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 11.81% 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 176.25 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months 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 - 8.74 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 720 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 | |||||
| 377 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 378 | D | A | A | A | D | A | A | A | Closed | FCOM1227 | 2026-01-16 04:23 | 2026-02-13 06:55 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-Re-recorded Mortgage with PUD rider attached provided - Due Diligence Vendor-02/13/2026 Ready for Review-Document Uploaded. here you go. - Buyer-02/11/2026 Open-PUD Rider is Missing Missing PUD rider or LOE about why not necessary. Title commitment (page 858) shows a xxx and mention of Second Addition to xxx. (xxx) Appraisal (xxx) also notes PUD with HOA fees of xxx per year. - Due Diligence Vendor-01/16/2026 |
Resolved-Re-recorded Mortgage with PUD rider attached provided - Due Diligence Vendor-02/13/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.67 Are Greater Than The Guideline Minimum Of 9 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 - 10.84 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 - 10.85 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 38.48% 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 | ||||
| 379 | B | B | A | A | A | A | B | B | Closed | FVAL9739 | 2026-07-15 11:44 | 2026-07-15 14:52 | Waived | 1 - Information | B | B | Property | Appraisal | Property/Appraisal General | Open-2 review products provided to meet review product tolerance - Due Diligence Vendor-07/15/2026 Waived-Non material - impacts xxx grade only. - Due Diligence Vendor-07/15/2026 |
Waived-Non material - impacts xxx grade only. - Due Diligence Vendor-07/15/2026 |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | ||||||
| 380 | 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 | ||||||||||||||||||||
| 381 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 382 | D | B | C | B | A | A | D | A | Closed | FPRO1244 | 2026-01-20 17:13 | 2026-01-23 10:35 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided - Due Diligence Vendor-01/23/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-01/22/2026 Open- - Due Diligence Vendor-01/20/2026 |
Resolved-Desk review provided - Due Diligence Vendor-01/23/2026 |
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 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 35.23% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.69 Are Greater Than The Guideline Minimum Of 6 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 | ||||
| 382 | D | B | C | B | A | A | D | A | Closed | FVAL5524 | 2026-01-16 12:49 | 2026-01-20 12:38 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Property | Waived-Exception granted with supporting comp factors: Exception needed for property having 2 ADUs (one 2-story building). NOT USING INCOME FROM THE ADUs - Due Diligence Vendor-01/20/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-01/20/2026 Open-Per GL 3.2.1, multiple dwellings on a single lot are ineligible (only one legal ADU permitted on an SFR); the subject is a duplex with two ADUs, which the appraiser notes is atypical for the area—therefore, a Lender Exception for the property type is required. - Due Diligence Vendor-01/16/2026 |
Waived-Exception granted with supporting comp factors: Exception needed for property having 2 ADUs (one 2-story building). NOT USING INCOME FROM THE ADUs - Due Diligence Vendor-01/20/2026 |
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 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 35.23% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.69 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
LTV MAX - 80% Subject - 36% DSCR Min - 1.0 Subject - 1.51 (without income from the ADUs) |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxx | |||
| 383 | 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 | ||||||||||||||||||||
| 384 | 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 | ||||||||||||||||||||
| 385 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 386 | 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 | ||||||||||||||||||||
| 387 | 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 | ||||||||||||||||||||
| 388 | 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 | ||||||||||||||||||||
| 389 | 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 | ||||||||||||||||||||
| 390 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 391 | 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 | ||||||||||||||||||||
| 392 | D | A | A | A | A | A | D | A | Closed | FPRO1244 | 2026-01-20 12:26 | 2026-01-21 18:28 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved- - Due Diligence Vendor-01/21/2026 Ready for Review-Document Uploaded. CDA - Seller-01/21/2026 Open- - Due Diligence Vendor-01/20/2026 |
Ready for Review-Document Uploaded. CDA - Seller-01/21/2026 |
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 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.81 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 393 | 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 | ||||||||||||||||||||
| 394 | B | A | B | A | A | A | A | A | Closed | FCRE1183 | 2026-01-19 09:18 | 2026-01-23 07:58 | 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-01/23/2026 Ready for Review-Document Uploaded. - Seller-01/21/2026 Open-1008/Underwriting Summary Partially Provided . Provide completed 1008 for Section 1, 2 and Risk Assessment. All applicable boxes should be checked. - Due Diligence Vendor-01/19/2026 |
Ready for Review-Document Uploaded. - Seller-01/21/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/23/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.00 Years | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 395 | C | A | A | A | A | A | C | A | Closed | FPRO9939 | 2026-01-19 12:58 | 2026-01-23 10:32 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-desk review provided - Due Diligence Vendor-01/23/2026 Ready for Review-Document Uploaded. - Seller-01/22/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.2) - Due Diligence Vendor-01/19/2026 |
Ready for Review-Document Uploaded. - Seller-01/22/2026 |
Resolved-desk review provided - Due Diligence Vendor-01/23/2026 |
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 - 21.99 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 0.01 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.3% 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 19.98 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 - 21.98 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 720 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 | |||
| 396 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 397 | 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 | ||||||||||||||||||||
| 398 | D | A | A | A | D | A | A | A | Closed | FCOM1227 | 2026-01-16 02:03 | 2026-02-04 06:38 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-Re-Recorded DOT with PUD rider provided. - Due Diligence Vendor-02/04/2026 Ready for Review-Document Uploaded. - Buyer-02/02/2026 Counter-Corrected Security Instrument and riders executed by borrower, page 1 re-record declaration or cover sheet stating the reason for the re-record. Email or other documentation from title confirming they will re-execute/re-record. - Due Diligence Vendor-02/02/2026 Ready for Review-Document Uploaded. - Buyer-01/30/2026 Counter-Documentation required for resolution include: Corrected Security Instrument and riders executed by borrower, page 1 re-record declaration or cover sheet stating the reason for the re-record. Email or other documentation from title confirming they will re-execute/re-record. - Due Diligence Vendor-01/29/2026 Ready for Review-Document Uploaded. - Buyer-01/27/2026 Open-PUD Rider is Missing - Due Diligence Vendor-01/16/2026 |
Resolved-Re-Recorded DOT with PUD rider provided. - Due Diligence Vendor-02/04/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 79.44 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 33.18% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.75% 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 | Cash Out - Other | N/A | N/A | xxx | ||||
| 399 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 400 | 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 | ||||||||||||||||||||
| 401 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 402 | D | A | D | A | A | A | A | A | Closed | FVAL1310 | 2026-01-16 08:20 | 2026-01-22 08:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-01/22/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-01/21/2026 Open-HOA Questionnaire Document status is Missing. xxx/Condo Project Questionnaire for subject property is Missing. - Due Diligence Vendor-01/16/2026 |
Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-01/22/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 32.45% 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 - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Months Reserves Of 74.64 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - 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 Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 70% 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 | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 403 | B | B | B | B | A | A | A | A | Closed | FPRO1251 | 2026-01-16 10:59 | 2026-01-17 18:49 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Property Zoning Does Not Meet Program Requirements | Waived-Appraisal zoning is AG-PUD. - Due Diligence Vendor-01/16/2026 | Waived-Appraisal zoning is AG-PUD. - Due Diligence Vendor-01/16/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 24.55% 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years |
-Subject located in surrounding neighborhood of new development of residential homes -720 fico. Established mtg/tradeline history -LTV 5% below max allowed |
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 | ||||
| 404 | D | A | D | A | A | A | A | A | Closed | FCRE1764 | 2026-01-17 03:42 | 2026-01-22 11:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-CBR provided reflecting HELOC from xxx reflecting 26 months revolving - Due Diligence Vendor-01/22/2026 Ready for Review-Document Uploaded. see attached credit report and refer to page 2 (highlighted) - Seller-01/21/2026 Open-Provide the Bank of xxx statement for xxx. - Due Diligence Vendor-01/19/2026 |
Ready for Review-Document Uploaded. see attached credit report and refer to page 2 (highlighted) - Seller-01/21/2026 |
Resolved-CBR provided reflecting HELOC from xxx reflecting 26 months revolving - Due Diligence Vendor-01/22/2026 |
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 680 By Twenty (20) or More Points 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 - 10.70 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 121.26 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 0.15 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 - 10.70 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 | |||
| 405 | 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 | ||||||||||||||||||||
| 406 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 407 | 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 | ||||||||||||||||||||
| 408 | 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 | ||||||||||||||||||||
| 409 | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2026-01-19 03:01 | 2026-01-22 13:32 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/22/2026 Ready for Review-Document Uploaded. - Seller-01/21/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-01/19/2026 |
Ready for Review-Document Uploaded. - Seller-01/21/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/22/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.17% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) 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 - 6.29 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.95 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 - 6.58 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 - 6.56 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 410 | D | A | D | A | C | A | A | A | Closed | FCOM1234 | 2026-01-17 20:50 | 2026-01-22 14:52 | Resolved | 1 - Information | C | A | Compliance | Closing Package | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-01/22/2026 Ready for Review-Document Uploaded. see attached - Buyer-01/21/2026 Open-The Final 1003 is Not Executed - Due Diligence Vendor-01/18/2026 |
Resolved-The Final 1003 is Executed - Due Diligence Vendor-01/22/2026 |
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 680 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 | ||||
| 410 | D | A | D | A | C | A | A | A | Closed | FCRE7291 | 2026-01-17 21:06 | 2026-01-20 13:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Personal Guaranty is Unexecuted | Resolved-Personal Guaranty is Present and executed. - Due Diligence Vendor-01/20/2026 Ready for Review-Document Uploaded. see attached - Buyer-01/20/2026 Open-Updated condition verbiage. - Due Diligence Vendor-01/20/2026 Open-Personal Guaranty is not executed. Provide the fully executed Personal Guaranty. - Due Diligence Vendor-01/20/2026 |
Resolved-Personal Guaranty is Present and executed. - Due Diligence Vendor-01/20/2026 |
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 680 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 | ||||
| 410 | D | A | D | A | C | A | A | A | Closed | FCOM1223 | 2026-01-17 20:40 | 2026-01-20 13:13 | 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-01/20/2026 Ready for Review-Document Uploaded. see attached - Buyer-01/20/2026 Open-The Deed of Trust is Not Executed DOT and Riders are Not Executed - Due Diligence Vendor-01/18/2026 |
Resolved-The Deed of Trust is Executed - Due Diligence Vendor-01/20/2026 |
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 680 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 | ||||
| 411 | 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 | ||||||||||||||||||||
| 412 | D | A | A | A | D | A | A | A | Closed | FCOM1225 | 2026-01-17 06:03 | 2026-01-21 08:34 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | Second Home Rider is Missing | Resolved-2nd Home rider provided - Due Diligence Vendor-01/21/2026 Ready for Review-Document Uploaded. see attached with the DOT - Buyer-01/20/2026 Open-Second Home Rider is Missing and Occupancy is Second Home The Second Home Rider is missing, and the occupancy status is marked as a Second Home. Could you please provide the rider at your earliest convenience? Thanks! - Due Diligence Vendor-01/17/2026 |
Resolved-2nd Home rider provided - Due Diligence Vendor-01/21/2026 |
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 - 22.66 Years Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 17.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 32.13% 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 - 30.25 Years 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 - 22.66 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 66.96% 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 720 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 | ||||
| 412 | D | A | A | A | D | A | A | A | Closed | FCOM1227 | 2026-01-17 07:22 | 2026-01-21 08:34 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-01/21/2026 Ready for Review-Document Uploaded. see attached to the DOT - Buyer-01/20/2026 Open-PUD Rider is Missing The PUD Rider is missing from the file. Could you please provide it as soon as possible? Thank you! - Due Diligence Vendor-01/20/2026 |
Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-01/21/2026 |
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 - 22.66 Years Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 17.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 32.13% 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 - 30.25 Years 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 - 22.66 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 66.96% 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 720 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 | ||||
| 412 | D | A | A | A | D | A | A | A | Closed | FCOM1220 | 2026-01-17 05:33 | 2026-01-21 08:33 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-01/21/2026 Ready for Review-Document Uploaded. See attached. - Buyer-01/20/2026 Open-The Deed of Trust is Missing The Deed of Trust is missing from the file. Could you please provide it when you have a chance? Thanks! - Due Diligence Vendor-01/17/2026 |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-01/21/2026 |
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 - 22.66 Years Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 17.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 32.13% 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 - 30.25 Years 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 - 22.66 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 66.96% 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 720 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 | ||||
| 413 | D | A | D | A | D | A | A | A | Closed | FCRE1157 | 2026-01-18 00:26 | 2026-01-22 09:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-01/22/2026 Ready for Review-Document Uploaded. See attached. - Buyer-01/21/2026 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-01/18/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-01/22/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.22 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 - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | ||||
| 413 | D | A | D | A | D | A | A | A | Closed | FCOM1232 | 2026-01-17 22:51 | 2026-01-21 08:19 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-01/21/2026 Ready for Review-Document Uploaded. see attached - Buyer-01/20/2026 Open-The Final 1003 is Missing - Due Diligence Vendor-01/18/2026 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-01/21/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.22 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 - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | ||||
| 414 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 415 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 416 | 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 | ||||||||||||||||||||
| 417 | 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 | ||||||||||||||||||||
| 418 | 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 | ||||||||||||||||||||
| 419 | D | A | D | A | A | A | C | A | Closed | FCRE7497 | 2026-01-19 19:35 | 2026-01-21 09:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Supporting documentation provided Borrower owns xxx dated xxx - Due Diligence Vendor-01/21/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-01/21/2026 Open-Missing documentation to support that Borrower 1 has owned at least one investment property for a minimum of 12 months at any time within the most recent 36 months. The REO properties listed (xxx, xxx, xxx) do not evidence the required ownership duration. - Due Diligence Vendor-01/20/2026 |
Resolved-Supporting documentation provided Borrower owns xxx dated xxx - Due Diligence Vendor-01/21/2026 |
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 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.83 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 - 15.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 419 | D | A | D | A | A | A | C | A | Closed | FVAL2477 | 2026-01-19 19:47 | 2026-01-21 09:24 | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-E&O Provided - Due Diligence Vendor-01/21/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-01/20/2026 Open-Missing a copy of the E&O insurance for xxx, effective as of the appraisal report date of xxx, as it is not included in the appraisal report. - Due Diligence Vendor-01/20/2026 |
Resolved-E&O Provided - Due Diligence Vendor-01/21/2026 |
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 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.83 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 - 15.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 420 | B | A | A | A | B | A | A | A | Closed | FCOM8804 | 2026-01-19 21:05 | 2026-01-26 07:25 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Loan program disclosure missing or unexecuted | Resolved-All pages provided - Due Diligence Vendor-01/26/2026 Ready for Review-Document Uploaded. see attached - Buyer-01/21/2026 Open-Missing the notarized page 8 of 9 of the Guaranty Agreement. - Due Diligence Vendor-01/20/2026 |
Resolved-All pages provided - Due Diligence Vendor-01/26/2026 |
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 720 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 | ||||
| 421 | 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 | ||||||||||||||||||||
| 422 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||
| 423 | 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 | ||||||||||||||||||||
| 424 | 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 | ||||||||||||||||||||
| 425 | 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 | ||||||||||||||||||||
| 426 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 427 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 428 | 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 | ||||||||||||||||||||
| 429 | 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 | ||||||||||||||||||||
| 430 | 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 | ||||||||||||||||||||
| 431 | D | A | D | A | B | A | A | A | Closed | FCRE1241 | 2026-01-20 04:45 | 2026-02-03 12:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-02/03/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-02/02/2026 Open-Purchase Contract Is Missing - Due Diligence Vendor-01/20/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-02/03/2026 |
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 - 9.47 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 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.31 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 70% 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 | ||||
| 431 | D | A | D | A | B | A | A | A | Closed | FCOM1797 | 2026-01-21 09:13 | 2026-01-23 08:16 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-**Received Disclosure - Due Diligence Vendor-01/23/2026 Ready for Review-Document Uploaded. see attached. - Buyer-01/22/2026 Open-SSPL is Missing.. - Due Diligence Vendor-01/21/2026 |
Resolved-**Received Disclosure - Due Diligence Vendor-01/23/2026 |
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 - 9.47 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 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.31 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 70% 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 | ||||
| 431 | D | A | D | A | B | A | A | A | Closed | finding-3367 | 2026-01-23 08:09 | 2026-01-23 08:16 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-**Received Disclosure - Due Diligence Vendor-01/23/2026 Resolved- - Due Diligence Vendor-01/23/2026 Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: ( 12 CFR §1024.20(a) )The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on Christmas Day (xxx)PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. - Due Diligence Vendor-01/23/2026 Open- - Due Diligence Vendor-01/23/2026 |
Resolved-**Received Disclosure - Due Diligence Vendor-01/23/2026 |
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 - 9.47 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 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.31 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 70% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
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 | |||||
| 431 | D | A | D | A | B | A | A | A | Closed | FCOM1266 | 2026-01-20 09:03 | 2026-01-23 08:14 | 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 ****Received Disclosure - Due Diligence Vendor-01/23/2026 Ready for Review-Document Uploaded. - Seller-01/21/2026 Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-01/21/2026 |
Ready for Review-Document Uploaded. - Seller-01/21/2026 |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable ****Received Disclosure - Due Diligence Vendor-01/23/2026 |
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 - 9.47 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 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.31 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 70% 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 | |||
| 432 | D | B | D | B | A | A | C | A | Closed | FCRE1440 | 2026-01-21 07:25 | 2026-01-23 13:38 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Member living rent free - exception obtained per loan approval - pg 440-441 Exception needed for mortgage on primary residence in wife's name only but payments coming out of a joint account. Borrower is on title and has prior mortgage history. - Due Diligence Vendor-01/21/2026 |
Waived-Housing History Does Not Meet Guideline Requirements Member living rent free - exception obtained per loan approval - pg 440-441 Exception needed for mortgage on primary residence in wife's name only but payments coming out of a joint account. Borrower is on title and has prior mortgage history. - Due Diligence Vendor-01/21/2026 |
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 - 7.18 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 - 20.00 Years |
Comp Factor #1 DTI Max - 50% Subject - 41% Comp Factor #2 Credit History History,including a mortgage, dates back to 2006. No lates reported on any of the trades. Comp Factor #3 Reserves Required - 6 months Subject - 12 months |
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 | ||||
| 433 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 434 | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2026-01-20 10:21 | 2026-01-26 13:15 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/26/2026 Ready for Review-Document Uploaded. - Seller-01/26/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-01/20/2026 |
Ready for Review-Document Uploaded. - Seller-01/26/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/26/2026 |
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 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.48 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 - 6.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 435 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-01-20 19:13 | 2026-02-25 10:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA document provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. - Buyer-02/24/2026 Open-xxx for the Following Property HOA fee Not Provided. - Due Diligence Vendor-01/21/2026 |
Resolved-HOA document provided - Due Diligence Vendor-02/25/2026 |
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 680 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.36 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 - Calculated DTI Of 35.47% 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 50.31% Is Below The Guideline Maximum Of 90% 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 0.06 |
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 | ||||
| 436 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||
| 437 | D | A | A | A | D | A | A | A | Closed | FCOM1544 | 2026-01-21 08:05 | 2026-01-26 08:21 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-First page of Final CD is provided - Due Diligence Vendor-01/26/2026 Ready for Review-see attached. - Buyer-01/25/2026 Open-Final CD first page is missing - Due Diligence Vendor-01/21/2026 |
Resolved-First page of Final CD is provided - Due Diligence Vendor-01/26/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 438 | D | A | D | A | A | A | A | A | Closed | FCRE1334 | 2026-01-21 01:04 | 2026-03-02 12:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 Executed 4506-T Missing | Resolved-Borrower 1 Executed 4506-T Resolved - Due Diligence Vendor-03/02/2026 Ready for Review-Document Uploaded. see attached - Buyer-02/27/2026 Counter-the signed 4506 is needed when requesting/ordering the Tax Transcripts - Due Diligence Vendor-02/18/2026 Ready for Review-why do you need those, we already have the transcripts themselves. - Buyer-02/17/2026 Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-01/21/2026 |
Resolved-Borrower 1 Executed 4506-T Resolved - Due Diligence Vendor-03/02/2026 |
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 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 - 5.06 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 60.96 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 38% 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 0.06 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | ||||
| 438 | D | A | D | A | A | A | A | A | Closed | FCRE1364 | 2026-01-21 01:04 | 2026-03-02 12:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 2 Executed 4506-T Missing | Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-03/02/2026 Ready for Review-Document Uploaded. see attached. - Seller-02/27/2026 Counter-the signed 4506 is needed when requesting/ordering the Tax Transcripts - Due Diligence Vendor-02/18/2026 Ready for Review-why do we need those if we already have the transcripts from the IRS? - Buyer-02/17/2026 Open-Borrower 2 Executed 4506-T Missing - Due Diligence Vendor-01/21/2026 |
Ready for Review-Document Uploaded. see attached. - Seller-02/27/2026 |
Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-03/02/2026 |
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 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 - 5.06 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 60.96 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 38% 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 0.06 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 438 | D | A | D | A | A | A | A | A | Closed | FCRE1193 | 2026-01-23 17:25 | 2026-02-12 09:29 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated Documentation provided - Due Diligence Vendor-02/12/2026 Ready for Review-Document Uploaded. Rebut- only HELOC reflected on the credit report xxx is tied to xxx, not the borrower's primary residence. - Buyer-02/11/2026 Open-DTI variance is due to the following: Two additional REO properties—xxx, xxx, xxx, and xxx, xxx—were added to the REO Income worksheet with their corresponding rental income and expenses, and the HELOC payment reflected on the credit report (pg. 82) was added to the primary housing expense, increasing it from xxx to xxx. - Due Diligence Vendor-01/23/2026 |
Resolved-Updated Documentation provided - Due Diligence Vendor-02/12/2026 |
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 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 - 5.06 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 60.96 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 38% 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 0.06 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | ||||
| 439 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 440 | 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 | ||||||||||||||||||||
| 441 | 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 | ||||||||||||||||||||
| 442 | 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 | ||||||||||||||||||||
| 443 | 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 | ||||||||||||||||||||
| 444 | C | A | C | A | A | A | A | A | Closed | FCRE5790 | 2026-01-26 11:37 | 2026-01-27 13:47 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-01/27/2026 Ready for Review-Document Uploaded. - Buyer-01/27/2026 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Provide- A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio. - Due Diligence Vendor-01/26/2026 |
Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-01/27/2026 |
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 0.15 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 - 18.05 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36 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 - 18.04 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.01% 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 | Cash Out - Other | N/A | N/A | xxx | ||||
| 445 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 446 | 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 | ||||||||||||||||||||
| 447 | C | A | C | A | C | A | A | A | Closed | FCRE1167 | 2026-01-21 14:53 | 2026-02-02 14:06 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/02/2026 Ready for Review-Document Uploaded. Hazard Documents Attached. - Seller-01/31/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx Provide policy showing adequate Hazard Insurance Coverage and Replacement Cost Estimator - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx - Due Diligence Vendor-01/21/2026 |
Ready for Review-Document Uploaded. Hazard Documents Attached. - Seller-01/31/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/02/2026 |
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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 36.7 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 58.46% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 13.00 Years |
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 | |||
| 447 | C | A | C | A | C | A | A | A | Closed | FCRE1344 | 2026-01-21 16:17 | 2026-01-30 12:38 | Resolved | 1 - Information | C | A | Credit | Income | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Resolved-Aug 2025 Full Business bank statement provided. - Due Diligence Vendor-01/30/2026 Ready for Review-Document Uploaded. Requested document attached. - Seller-01/30/2026 Open-Missing Page 1 of 2 for the xxx acct ending xxx - Due Diligence Vendor-01/21/2026 |
Ready for Review-Document Uploaded. Requested document attached. - Seller-01/30/2026 |
Resolved-Aug 2025 Full Business bank statement provided. - Due Diligence Vendor-01/30/2026 |
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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 36.7 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 58.46% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 13.00 Years |
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 | |||
| 448 | 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 | ||||||||||||||||||||
| 449 | 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 | ||||||||||||||||||||
| 450 | C | B | C | B | A | A | C | B | Closed | FPRO1149 | 2026-01-27 19:50 | 2026-02-17 08:49 | Waived | 2 - Non-Material | C | B | Property | Property Issue | Property is Lease Hold | Waived-Exception granted with supporting comp factors: Exception to consider property as Fee Simple vs. Leasehold. Confirmed that rents haven't been collected for quite some time. Redemption docs filed. - Due Diligence Vendor-02/17/2026 Ready for Review-Document Uploaded. Please see attached leasehold docs, HUD 1 showing the fees paid for the redemption, and the exception approval to convert it to Fee Simple. - Buyer-02/16/2026 Open-Property Rights are Lease Hold Provide a copy of the Ground Rent Deed to xxx for the subject property to verify leasehold terms per the title report, or documentation confirming the property was redeemed at or prior to closing and insured as Fee Simple. The title report (pg. 500) reflects Leasehold status, subject to annual ground rent of xxx, payable semiannually on xxx and xxx. A lender exception is required to treat the property as Fee Simple when current documentation identifies the property as Leasehold. Per GL 3.7 (Leasehold Properties), the seller must provide required documentation, and all leasehold properties must meet FNMA eligibility requirements, including lease term. - Due Diligence Vendor-01/28/2026 |
Waived-Exception granted with supporting comp factors: Exception to consider property as Fee Simple vs. Leasehold. Confirmed that rents haven't been collected for quite some time. Redemption docs filed. - Due Diligence Vendor-02/17/2026 |
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 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.66 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
LTV Max - 80% Subject - 75% Mtg - Multiple accounts, with history dating back to 2022. No lates reported DSCR Min - 1.0 Subject - 1.39 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx | |||
| 450 | C | B | C | B | A | A | C | B | Closed | FPRO1245 | 2026-01-21 05:28 | 2026-02-03 08:45 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Appraisal is Expired | Waived-Exception granted with supporting comp factors: Exception needed for 1004D dated after the 120-day mark. - Due Diligence Vendor-02/03/2026 Ready for Review-Document Uploaded. Please see attached exception approval - Buyer-02/01/2026 Open-Lender Exception Required: A lender exception is required to utilize the 1004D to extend the appraisal expiration date. Per guidelines, a re-certification of value is only acceptable if completed within the original 120-day appraisal validity period; however, the 1004D is dated xxx, which is 127 days after the original appraisal effective date of xxx, exceeding the allowable timeframe. - Due Diligence Vendor-01/28/2026 Open-Lender Exception Required: A lender exception is required to utilize the 1004D to extend the appraisal expiration date. Per guidelines, a re-certification of value is only acceptable if completed within the original 120-day appraisal validity period; however, the 1004D is dated xxx, which is 127 days after the original appraisal effective date of xxx, exceeding the allowable timeframe. - Due Diligence Vendor-01/28/2026 Rescinded-Primary Value Appraisal is Expired 1004D dated xxx updated subject property value (A re-certification of value will extend the expiration date of the appraisal to 365 days) - Due Diligence Vendor-01/28/2026 Open-Primary Value Appraisal is Expired Provide a copy of the completed re-certification of value for the subject property. A re-certification is acceptable if completed within the original 120-day appraisal validity period and will extend the appraisal expiration date to 365 days. (per GL 3.1.1 Appraisal Requirements) - Due Diligence Vendor-01/28/2026 |
Waived-Exception granted with supporting comp factors: Exception needed for 1004D dated after the 120-day mark. - Due Diligence Vendor-02/03/2026 Rescinded-Primary Value Appraisal is Expired 1004D dated xxx updated subject property value (A re-certification of value will extend the expiration date of the appraisal to 365 days) - Due Diligence Vendor-01/28/2026 |
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 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.66 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
LTV Max - 80% Subject - 75% Mortgage - Multiple accounts, with history dating back to 2022. No lates reported |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxx | |||
| 451 | D | A | D | A | A | A | A | A | Closed | FCRE1467 | 2026-01-26 09:59 | 2026-02-03 09:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Final HUD/SS provided - Due Diligence Vendor-02/03/2026 Resolved-Asset 1 Provided - Due Diligence Vendor-02/03/2026 Ready for Review-Document Uploaded. Please see attached. Net proceeds from the refinance of borrower's other property with us was sufficient to cover the funds for closing and reserves for BOTH properties (both loans qualified for reduced reserves). - Buyer-02/01/2026 Open-Missing complete asset info for cash liquid proceeds from a secured loan on the final 1003 listed in the amt of xxx. - Due Diligence Vendor-01/26/2026 |
Resolved-Final HUD/SS provided - Due Diligence Vendor-02/03/2026 Resolved-Asset 1 Provided - Due Diligence Vendor-02/03/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.78% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 27.08 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 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.09 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | ||||
| 452 | D | A | D | A | A | A | A | A | Closed | FCRE1815 | 2026-01-26 13:46 | 2026-02-03 12:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Entity documents provided. - Due Diligence Vendor-02/03/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-02/02/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN While we have an operating agreement, certificate of good standing, and evidence of the EIN, the Articles of Organization on file are for the seller, xxx. We need the Articles of Organization for D and M Unlimited (since they are vesting title in an LLC). - Due Diligence Vendor-01/26/2026 |
Resolved-Entity documents provided. - Due Diligence Vendor-02/03/2026 |
Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Borrower At Current Residence For Five (5) Or More Years - verified Borrower At Current Residence For Five (5) Or More Years - 25.25 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 453 | 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 | ||||||||||||||||||||
| 454 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 455 | 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 | ||||||||||||||||||||
| 456 | D | A | D | A | D | A | A | A | Closed | FCOM8891 | 2026-01-26 10:55 | 2026-02-02 12:09 | Resolved | 1 - Information | C | A | Compliance | Closing Package | Other Compliance | Resolved-**Received FCD - Due Diligence Vendor-02/02/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-02/02/2026 Open-******Documentation provided does not contain the Final Closing Disclosure & Post Consummation 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-01/26/2026 |
Resolved-**Received FCD - Due Diligence Vendor-02/02/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.82% 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 680 By Twenty (20) or More Points 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 - 17.00 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 0.0 |
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 | ||||
| 456 | D | A | D | A | D | A | A | A | Closed | FCOM1544 | 2026-01-26 10:57 | 2026-02-02 12:00 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided **Received FCD - Due Diligence Vendor-02/02/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-02/02/2026 Open-TRID: Missing Final Closing Disclosure ******Documentation provided does not contain the Final Closing Disclosure & Post Consummation 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-01/26/2026 |
Resolved-TRID: Final Closing Disclosure Provided **Received FCD - Due Diligence Vendor-02/02/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.82% 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 680 By Twenty (20) or More Points 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 - 17.00 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 0.0 |
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 | ||||
| 457 | 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 | ||||||||||||||||||||
| 458 | 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 | ||||||||||||||||||||
| 459 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 460 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-01-23 08:36 | 2026-01-30 10:18 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-01/30/2026 Resolved-Audited Reserves of 21.75 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-01/30/2026 Ready for Review-Document Uploaded. - Seller-01/29/2026 Counter-Subject Loan is a Inv Rate & term, Final HUD/SS CTC xxx - The Final 1003 reflects a total of verified assets as xxx however the most recent xxx provided states available xxx- GL do allow a Maximum -3 mos. Reserves reduction with a 5% LTV however Assets/Reserves are still short by-xxx (6 months reserves are required) - Due Diligence Vendor-01/28/2026 Ready for Review-Document Uploaded. - Seller-01/27/2026 Open-Audited Reserves of are less than Guideline Required Reserves of 6 6 months reserves requires (reduced reserves 3 months due to ltv) of xxx; assets in file xxx balance xxx - no other assets in file. - Due Diligence Vendor-01/23/2026 |
Ready for Review-Document Uploaded. - Seller-01/29/2026 Ready for Review-Document Uploaded. - Seller-01/27/2026 |
Resolved-Audited Reserves of are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-01/30/2026 Resolved-Audited Reserves of 21.75 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-01/30/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.75 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 - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 460 | C | A | C | A | A | A | A | A | Closed | FCRE7000 | 2026-01-23 08:32 | 2026-01-30 10:17 | 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-01/28/2026 Ready for Review-Document Uploaded. - Seller-01/27/2026 Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx. total available assets in file xxx and cash to close xxx; xxx xxx & xxx - no other assets in file - Due Diligence Vendor-01/23/2026 |
Ready for Review-Document Uploaded. - Seller-01/27/2026 |
Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-01/28/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.75 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 - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 461 | D | A | D | A | A | A | A | A | Closed | FCRE9549 | 2026-01-28 12:28 | 2026-02-06 12:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Credit Report Supplement is missing | Resolved-Documentation supporting xxx at closing. - Due Diligence Vendor-02/06/2026 Ready for Review-Document Uploaded. - Seller-02/05/2026 Open-A credit supplement is required to obtain complete credit details, and the borrower must provide documentation outlining the terms and monthly payment for the solar panels associated with the subject property. The title commitment reflects solar items under Schedule B, Items 3 and 4, in favor of xxx, while the appraisal reports the Solar PV ownership type as unknown due to no response from the owner. Confirmation of solar panel ownership and financing structure is required to ensure proper underwriting and to maintain first-lien mortgage position. (Additional conditions may apply) - Due Diligence Vendor-01/28/2026 |
Ready for Review-Document Uploaded. - Seller-02/05/2026 |
Resolved-Documentation supporting xxx at closing. - Due Diligence Vendor-02/06/2026 |
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 | ||||
| 461 | D | A | D | A | A | A | A | A | Closed | FCRE1198 | 2026-01-28 13:00 | 2026-02-06 12:04 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 6.72 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-02/06/2026 Ready for Review-Document Uploaded. - Seller-02/05/2026 Open-Audited Reserves of 0.02 are less than Guideline Required Reserves of 6 Missing verification of sufficient funds from Borrower 1 to cure a reserve shortfall of xxx, based on a six-month reserve requirement of xxx. - Due Diligence Vendor-01/28/2026 |
Ready for Review-Document Uploaded. - Seller-02/05/2026 |
Resolved-Audited Reserves of 6.72 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-02/06/2026 |
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 | ||||
| 462 | 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 | ||||||||||||||||||||
| 463 | 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 | ||||||||||||||||||||
| 464 | 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 | ||||||||||||||||||||
| 465 | D | A | D | A | A | A | A | A | Closed | FCRE8639 | 2026-01-25 23:45 | 2026-02-06 16:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-01/29/2026 Ready for Review-Document Uploaded. - Seller-01/29/2026 Open-Personal Guaranty is missing. Provide Personal Guaranty missing in file as borrower signed note as member of xxx - Due Diligence Vendor-01/26/2026 |
Ready for Review-Document Uploaded. - Seller-01/29/2026 |
Resolved-Personal Guaranty is Present. - Due Diligence Vendor-01/29/2026 |
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 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 200.18 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 - 24.83 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 466 | 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 | ||||||||||||||||||||
| 467 | 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 | ||||||||||||||||||||
| 468 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 469 | 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 | ||||||||||||||||||||
| 470 | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2026-01-23 05:04 | 2026-02-03 09:56 | 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-02/03/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-02/01/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-01/23/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/03/2026 |
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 720 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 0.12 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.06% 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 16.28 Are Greater Than The Guideline Minimum Of 6 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 | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 471 | 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 | ||||||||||||||||||||
| 472 | D | A | D | A | A | A | A | A | Closed | FCRE1815 | 2026-01-28 22:03 | 2026-01-30 10:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-COG dated xxx provided - Due Diligence Vendor-01/30/2026 Ready for Review-Document Uploaded. Please see attached - Seller-01/29/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN The Certificate ofxxx is dated xxx and exceeds the 30-day requirement based on the Note Date of xxx. - Due Diligence Vendor-01/29/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-01/29/2026 |
Resolved-COG dated xxx provided - Due Diligence Vendor-01/30/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.54 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 70% 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 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 473 | D | A | D | A | A | A | A | A | Closed | FCRE1815 | 2026-01-28 22:47 | 2026-01-30 10:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-COG dated xxx provided - Due Diligence Vendor-01/30/2026 Ready for Review-Document Uploaded. Please see attached - Seller-01/29/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN The Certificate of xxx is dated xxx and exceeds the 30-day requirement based on the Note Date of xxx (31 days). - Due Diligence Vendor-01/29/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-01/29/2026 |
Resolved-COG dated xxx provided - Due Diligence Vendor-01/30/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.57 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 70% 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 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 474 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 475 | 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 | ||||||||||||||||||||
| 476 | C | A | C | A | A | A | A | A | Closed | FCRE1167 | 2026-01-26 12:24 | 2026-02-03 09:35 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/03/2026 Ready for Review-Document Uploaded. Rebut - please see attached. - Buyer-02/01/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx Notes on pg 128 indicate from xxx that there is xxxin dwelling coverage with extensions that are visible on the dec page. The declarations page on file, however, shows no extended dwelling and no dwelling garage extension. Please provide documentation that shows this coverage is included in the declarations. - Due Diligence Vendor-01/28/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/03/2026 |
Twenty-Four (24) Months Housing History Reviewed With No Late Payments - verified Twenty-Four (24) Months Housing History Reviewed With No Late Payments Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 64.41 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months 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 719 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | ||||
| 477 | 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 | ||||||||||||||||||||
| 478 | D | A | A | A | A | A | D | A | Closed | FPRO1244 | 2026-01-30 17:21 | 2026-02-02 10:26 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-AVM provided - Due Diligence Vendor-02/02/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-01/31/2026 Open- - Due Diligence Vendor-01/30/2026 |
Resolved-AVM provided - Due Diligence Vendor-02/02/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 479 | C | A | A | A | C | A | A | A | Closed | FCOM8845 | 2026-01-26 05:11 | 2026-02-18 06:45 | Resolved | 1 - Information | C | A | Compliance | State Reg | Prepayment Penalty charged on Business Purpose loan where State Does not permit. | Resolved-Documentation provided is sufficient. Thank you - Due Diligence Vendor-02/18/2026 Ready for Review-Document Uploaded. - Seller-02/17/2026 Counter-Missing copy of corrected mortgage with re-record declaration verbiage added to page 1 and executed corrected rider. Or, an email from title stating they will facilitate the re-signing, and re-recording of corrective documents and mortgage. Thank you - Due Diligence Vendor-02/17/2026 Ready for Review-Document Uploaded. - Seller-02/16/2026 Counter-Documentation provided, once executed, will be sufficient. Please provide executed note addendum and copy of corrected mortgage with re-record declaration verbiage added to page 1 and executed corrected rider. Or, an email from title stating they will facilitate the re-signing, and re-recording of corrective documents and mortgage. Thank you - Due Diligence Vendor-02/04/2026 Ready for Review-Document Uploaded. - Seller-02/03/2026 Counter-The amended PPP provided for pre-execution review is insufficient. 2% is the "higher" value. xxx requires the PPP be based on the "Lesser". ~~and other charges exceeds the lesser of (i) an amount equal to two percent of the unpaid principal balance of the residential mortgage loan at the time of prepayment, or (ii) an amount equal to 60 days' interest, at the interest rate in effect on the residential mortgage loan at the time of prepayment, on the unpaid principal balance of the residential mortgage loan at the time of prepayment~~~ Thank you - Due Diligence Vendor-02/03/2026 Ready for Review-Document Uploaded. Will this work if we get it executed? - Seller-02/02/2026 Counter-Prepayment penalty does not conform to the limitations outlined in the Matrix provided or the State of xxx= xxx… which states: for any prepayment of the residential mortgage loan if the aggregate amount of all prepayment penalties, fees, premiums, and other charges exceeds the lesser of (i) an amount equal to two percent of the unpaid principal balance of the residential mortgage loan at the time of prepayment, or (ii) an amount equal to 60 days' interest, at the interest rate in effect on the residential mortgage loan at the time of prepayment, on the unpaid principal balance of the residential mortgage loan at the time of prepayment. ***** Prepayment applied to this loan is "6 months interest" - Due Diligence Vendor-02/02/2026 Ready for Review-Document Uploaded. according to matrix, they do allow - Seller-01/30/2026 Open-The subject property's state, xx, does not allow pre-payment penalties for Business Purpose loans. - Due Diligence Vendor-01/26/2026 |
Ready for Review-Document Uploaded. - Seller-02/17/2026 Ready for Review-Document Uploaded. - Seller-02/16/2026 Ready for Review-Document Uploaded. - Seller-02/03/2026 Ready for Review-Document Uploaded. Will this work if we get it executed? - Seller-02/02/2026 Ready for Review-Document Uploaded. according to matrix, they do allow - Seller-01/30/2026 |
Resolved-Documentation provided is sufficient. Thank you - Due Diligence Vendor-02/18/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 95.47 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 - 9.67 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 660 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 480 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 481 | D | A | D | A | D | A | A | A | Closed | FCRE8639 | 2026-01-29 09:48 | 2026-02-13 13:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-02/13/2026 Ready for Review-Document Uploaded. - Seller-02/12/2026 Counter-Document Uploaded. Please see attached -needs to be in the name of the Borrower only - Due Diligence Vendor-02/12/2026 Ready for Review-Could you please provide clarification what we need to correct. From the Document we provided where can we update it to be in the Borrower's name only? - Seller-02/11/2026 Counter-The Personal Guaranty needs to be in the name of the Borrower only, Currently its listed in the LLC name. - Due Diligence Vendor-02/11/2026 Ready for Review-Document Uploaded. - Seller-02/10/2026 Open-Personal Guaranty is missing. Missing a Guaranty Agreement from xxx, xxx. As the Note is executed by an LLC/business entity and not by an individual, a personal guaranty from the member is required and must be included in the loan file. - Due Diligence Vendor-01/29/2026 |
Ready for Review-Document Uploaded. - Seller-02/12/2026 Ready for Review-Could you please provide clarification what we need to correct. From the Document we provided where can we update it to be in the Borrower's name only? - Seller-02/11/2026 Ready for Review-Document Uploaded. - Seller-02/10/2026 |
Resolved-Personal Guaranty is Present. - Due Diligence Vendor-02/13/2026 |
s | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 481 | D | A | D | A | D | A | A | A | Closed | FCRE6873 | 2026-01-29 16:38 | 2026-02-06 12:10 | Resolved | 1 - Information | C | A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-Processor cert provided. - Due Diligence Vendor-02/06/2026 Ready for Review-Document Uploaded. - Seller-02/05/2026 Open-Missing Processor’s Certification confirming review and resolution of the fraud alert noted on the credit report. - Due Diligence Vendor-01/29/2026 |
Ready for Review-Document Uploaded. - Seller-02/05/2026 |
Resolved-Processor cert provided. - Due Diligence Vendor-02/06/2026 |
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 - 10.40 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 - 15.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.91 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 - 7.42 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 481 | D | A | D | A | D | A | A | A | Closed | FCRE1815 | 2026-01-29 13:35 | 2026-02-05 08:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Entity documents provided - Due Diligence Vendor-02/05/2026 Ready for Review-Document Uploaded. - Seller-02/04/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing entity documentation for xxx, a xxx , including the EIN, xxx, Certificate of Formation, and Operating Agreement. The only document provided is a Certificate of Status dated xxx (pg. 543), indicating B1 as the sole member and manager. - Due Diligence Vendor-01/29/2026 |
Ready for Review-Document Uploaded. - Seller-02/04/2026 |
Resolved-Entity documents provided - Due Diligence Vendor-02/05/2026 |
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 - 10.40 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 - 15.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.91 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 - 7.42 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 481 | D | A | D | A | D | A | A | A | Closed | FCOM1233 | 2026-01-29 13:38 | 2026-02-05 08:28 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved- - Due Diligence Vendor-02/05/2026 Ready for Review-Document Uploaded. - Seller-02/04/2026 Open-The Final Declaration on the Final 1003 (pg. 852) indicates the Borrower intends to owner-occupy the subject property. Owner occupancy is not permitted for a Business Purpose loan; the Final 1003 must be corrected to reflect non-owner occupancy. - Due Diligence Vendor-01/29/2026 |
Ready for Review-Document Uploaded. - Seller-02/04/2026 |
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 - 10.40 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 - 15.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.91 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 - 7.42 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 481 | D | A | D | A | D | A | A | A | Closed | FCRE2109 | 2026-01-29 12:27 | 2026-02-05 08:28 | 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-02/05/2026 Ready for Review-Document Uploaded. - Seller-02/04/2026 Open-Missing Lender Worksheet or Bank Statement Summary Missing 12-month Bank Statement Income Worksheet for xxx / xxx. - Due Diligence Vendor-01/29/2026 |
Ready for Review-Document Uploaded. - Seller-02/04/2026 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-02/05/2026 |
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 - 10.40 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 - 15.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.91 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 - 7.42 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 481 | D | A | D | A | D | A | A | A | Closed | FCRE5782 | 2026-01-29 13:07 | 2026-02-05 08:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/05/2026 Ready for Review-Document Uploaded. - Seller-02/04/2026 Open-Borrower 1 Gap Credit Report is Missing Missing GAP credit report. Per GL 6.4 (GAP Credit Report), the GAP credit report or soft pull must be dated within 30 days of the Note date. - Due Diligence Vendor-01/29/2026 |
Ready for Review-Document Uploaded. - Seller-02/04/2026 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/05/2026 |
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 - 10.40 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 - 15.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.91 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 - 7.42 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 482 | 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 | ||||||||||||||||||||
| 483 | D | A | A | A | D | A | A | A | Closed | FCOM1227 | 2026-01-27 05:36 | 2026-02-04 06:46 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-02/04/2026 Ready for Review-Document Uploaded. Attached certified copy of the fully executed DOT with PUD Rider. - Seller-02/02/2026 Open-PUD Rider is Missing - Due Diligence Vendor-01/27/2026 |
Ready for Review-Document Uploaded. Attached certified copy of the fully executed DOT with PUD Rider. - Seller-02/02/2026 |
Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-02/04/2026 |
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 - 23.91 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.6 Are Greater Than The Guideline Minimum Of 9 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 - 6.17 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.76% 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 720 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 0.04 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 - 6.01 Years |
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 | |||
| 483 | D | A | A | A | D | A | A | A | Closed | FCOM1220 | 2026-01-27 04:23 | 2026-02-04 06:46 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-02/04/2026 Ready for Review-Document Uploaded. Attached certified copy of the fully executed DOT with PUD Rider. - Seller-02/02/2026 Open-The Deed of Trust is Missing Provide the fully executed Deed of Trust, inclusive of all attached riders. - Due Diligence Vendor-01/27/2026 |
Ready for Review-Document Uploaded. Attached certified copy of the fully executed DOT with PUD Rider. - Seller-02/02/2026 |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-02/04/2026 |
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 - 23.91 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.6 Are Greater Than The Guideline Minimum Of 9 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 - 6.17 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.76% 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 720 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 0.04 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 - 6.01 Years |
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 | |||
| 484 | 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 | ||||||||||||||||||||
| 485 | 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 | ||||||||||||||||||||
| 486 | D | A | D | A | D | A | A | A | Closed | FCRE1345 | 2026-01-30 18:02 | 2026-02-05 19:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 Lease Agreements Missing | Resolved-Full Rent loss in DTI, lease not required - Due Diligence Vendor-02/06/2026 Open-Missing lease agreement for xxx - Due Diligence Vendor-01/30/2026 |
Resolved-Full Rent loss in DTI, lease not required - Due Diligence Vendor-02/06/2026 |
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 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.76% 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 12.82 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 - 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 - 12.06 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 |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||||
| 487 | D | A | C | A | D | A | A | A | Closed | FCOM1206 | 2026-01-27 13:14 | 2026-02-26 19:58 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. - Buyer-02/26/2026 Open-The Note is Missing - Due Diligence Vendor-01/27/2026 |
Resolved-The Note is Present - Due Diligence Vendor-02/27/2026 |
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 - 24.83 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 - 37.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.78 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 - 11.25 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.69% 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 - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 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 | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 487 | D | A | C | A | D | A | A | A | Closed | FCOM1220 | 2026-01-27 13:16 | 2026-02-26 19:57 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. - Buyer-02/26/2026 Open-The Deed of Trust is Missing - Due Diligence Vendor-01/27/2026 |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-02/27/2026 |
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 - 24.83 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 - 37.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.78 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 - 11.25 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.69% 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 - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 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 | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 488 | 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 | ||||||||||||||||||||
| 489 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 490 | C | A | A | A | C | A | A | A | Closed | finding-3939 | 2026-01-28 01:07 | 2026-02-06 09:57 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-received revised LE - Due Diligence Vendor-02/06/2026 Resolved- - Due Diligence Vendor-02/06/2026 Ready for Review-Document Uploaded. See attached. - Buyer-02/05/2026 Open- - Due Diligence Vendor-01/30/2026 Open- - Due Diligence Vendor-01/30/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx and xxx. Rate Lock date xxx is having missing revised LE for the particular date. - Due Diligence Vendor-01/28/2026 Open- - Due Diligence Vendor-01/28/2026 Open- - Due Diligence Vendor-01/28/2026 |
Resolved-received revised LE - Due Diligence Vendor-02/06/2026 |
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 680 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 Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.46 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 15.02% 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 | ||||
| 491 | 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 | ||||||||||||||||||||
| 492 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 493 | 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 | ||||||||||||||||||||
| 494 | C | A | C | A | A | A | A | A | Closed | FCRE1203 | 2026-01-29 14:38 | 2026-02-02 14:36 | Resolved | 1 - Information | C | A | Credit | Eligibility | Potential Fraud Reflected on Fraud Report | Resolved-Potential Fraud Reflected on Fraud Report is Resolved or None Exists - Due Diligence Vendor-02/02/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-02/01/2026 Open-Potential Fraud Reflected on Fraud Report The fraud report has a final score of 18 with an Auto Refer finding. - Due Diligence Vendor-01/29/2026 |
Resolved-Potential Fraud Reflected on Fraud Report is Resolved or None Exists - Due Diligence Vendor-02/02/2026 |
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 0.11 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.94% 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 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 | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | ||||
| 495 | D | A | D | A | A | A | A | A | Closed | FCRE5770 | 2026-01-29 00:33 | 2026-02-03 10:51 | 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-02/03/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-02/01/2026 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-01/29/2026 |
Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-02/03/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.89 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 - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 620 By Twenty (20) or More Points 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 - 20.00 Years |
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 | ||||
| 496 | C | B | A | A | C | B | A | A | Closed | FCOM1292 | 2026-01-30 14:02 | 2026-02-03 21:32 | Waived | 2 - Non-Material | C | B | Compliance | Right to Rescind | Creditor did not provide the appropriate Right to Cancel Form xxx (new creditor with H-9 form type) | Waived-Incorrect ROR form deemed EV2 with supporting court case litigation resulting in non-material impact to loan. - Due Diligence Vendor-02/04/2026 Open-Loan Purpose is Refinance and Creditor did not provide the appropriate Right to Cancel Form xxx (New creditor with H-9 form type).****** Documentation provided includes an H9 Right to Cancel form. Lender has NOT been identified as either the current lender or the recorded original lender. The correct form should be an H8 - Due Diligence Vendor-01/30/2026 |
Waived-Incorrect ROR form deemed EV2 with supporting court case litigation resulting in non-material impact to loan. - Due Diligence Vendor-02/04/2026 |
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 - 29.17 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.50 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.71% Is Less Than The Guideline Maximum Of 55% 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 620 By Twenty (20) or More Points 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 - 28.43 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | |||||
| 497 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||
| 498 | C | B | A | A | C | B | A | A | Closed | finding-3631 | 2026-01-29 01:52 | 2026-04-01 17:25 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Cured-Received cure package - Due Diligence Vendor-04/01/2026 Cured-Received cure package - Due Diligence Vendor-04/01/2026 Cured-Received cure package - Due Diligence Vendor-04/01/2026 Cured-Received cure package - Due Diligence Vendor-04/01/2026 Resolved-Received cure package - Due Diligence Vendor-04/01/2026 Resolved- - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. - Seller-04/01/2026 Open-The following charges have been increased: Transfer Taxes resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/02/2026 Open- - Due Diligence Vendor-02/02/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/29/2026 Open- - Due Diligence Vendor-01/29/2026 |
Ready for Review-Document Uploaded. - Seller-04/01/2026 |
Cured-Received cure package - Due Diligence Vendor-04/01/2026 Cured-Received cure package - Due Diligence Vendor-04/01/2026 Cured-Received cure package - Due Diligence Vendor-04/01/2026 Cured-Received cure package - Due Diligence Vendor-04/01/2026 Resolved-Received cure package - Due Diligence Vendor-04/01/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 66.86 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 37.12% 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 | |||
| 498 | C | B | A | A | C | B | A | A | Closed | finding-3634 | 2026-01-29 01:52 | 2026-04-01 17:25 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Received cure package - Due Diligence Vendor-04/01/2026 Cured-Received cure package - Due Diligence Vendor-04/01/2026 Cured-Received cure package - Due Diligence Vendor-04/01/2026 Cured-Received cure package - Due Diligence Vendor-04/01/2026 Resolved-Received cure package - Due Diligence Vendor-04/01/2026 Resolved- - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. - Seller-04/01/2026 Open-The following charges have been increased: Transfer Taxes resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/02/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Initial LE dated xxx reflects Points and discounts Fee xxx however, Final CD dated xxx reflects the Points and discounts Fee xxx.The fee (xxx) has been increased for Points and discounts Fee which exceeds the 0% tolerance. Required valid COC or cure amount of xxx. Initial LE dated xxx reflects Transfer tax xxx however, Final CD dated xxx reflects the Transfer tax xxx.The fee (xxx) has been increased for Transfer tax which exceeds the 0% tolerance. Required valid COC or cure amount of xxx. - Due Diligence Vendor-01/29/2026 Open- - Due Diligence Vendor-02/02/2026 Open- - Due Diligence Vendor-01/29/2026 |
Ready for Review-Document Uploaded. - Seller-04/01/2026 |
Cured-Received cure package - Due Diligence Vendor-04/01/2026 Cured-Received cure package - Due Diligence Vendor-04/01/2026 Cured-Received cure package - Due Diligence Vendor-04/01/2026 Cured-Received cure package - Due Diligence Vendor-04/01/2026 Resolved-Received cure package - Due Diligence Vendor-04/01/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 66.86 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 37.12% 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 | |||
| 498 | C | B | A | A | C | B | A | A | Closed | finding-3632 | 2026-01-29 01:52 | 2026-04-01 17:19 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received cure package - Due Diligence Vendor-04/01/2026 Resolved- - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. - Seller-04/01/2026 Open-The following charges have been increased: Transfer Taxes resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/02/2026 Open- - Due Diligence Vendor-02/02/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/29/2026 Open- - Due Diligence Vendor-01/29/2026 |
Ready for Review-Document Uploaded. - Seller-04/01/2026 |
Resolved-Received cure package - Due Diligence Vendor-04/01/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 66.86 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 37.12% 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 | |||
| 499 | 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 | ||||||||||||||||||||
| 500 | 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 | ||||||||||||||||||||
| 501 | 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 | ||||||||||||||||||||
| 502 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-01-29 01:44 | 2026-02-09 12:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-REO documents provided - Due Diligence Vendor-02/09/2026 Ready for Review-please see attached. - Buyer-02/09/2026 Open-HOA document missing for xxx. Tax/HOA document missing for xxx. - Due Diligence Vendor-01/29/2026 |
Resolved-REO documents provided - Due Diligence Vendor-02/09/2026 |
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 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 10.24% 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 49.14 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 0.1 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 502 | D | A | D | A | A | A | A | A | Closed | FCRE2000 | 2026-01-30 18:49 | 2026-02-02 14:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Incomplete or Unexecuted Purchase Contract | Resolved-Buyers counter offer provided - Due Diligence Vendor-02/02/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-02/01/2026 Open-Incomplete or unexecuted Purchase Contract. The final CD reflects sales price is xxx; however, the contract has sales price as xxx. Need contract addendum reflecting the sales price on final CD of xxx. - Due Diligence Vendor-01/30/2026 |
Resolved-Buyers counter offer provided - Due Diligence Vendor-02/02/2026 |
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 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 10.24% 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 49.14 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 0.1 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 503 | D | A | A | A | D | A | A | A | Closed | FCOM1512 | 2026-01-28 16:45 | 2026-02-02 08:07 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Unexecuted | Resolved-Signed CD provided - Due Diligence Vendor-02/02/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-02/01/2026 Open-“The settlement statement was provided, but the final document was not signed. - Due Diligence Vendor-01/28/2026 |
Resolved-Signed CD provided - Due Diligence Vendor-02/02/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 60.15 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.08 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 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 504 | 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 | ||||||||||||||||||||
| 505 | 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 | ||||||||||||||||||||
| 506 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 507 | 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 | ||||||||||||||||||||
| 508 | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2026-01-30 08:49 | 2026-02-09 10:23 | 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-02/09/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-02/08/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Please submit corrected hazard insurance showing policy is effective xxx - Due Diligence Vendor-02/03/2026 |
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-02/09/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments 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 - 11.07 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 - 11.08 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 0.07 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 620 By Twenty (20) or More Points 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 | ||||
| 509 | D | A | D | A | A | A | A | A | Closed | FCRE6636 | 2026-01-29 17:22 | 2026-02-09 10:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Income - Award Letter | Resolved-SSI provided - Due Diligence Vendor-02/09/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-02/08/2026 Open-Please provide the SSI award letter. - Due Diligence Vendor-01/29/2026 |
Resolved-SSI provided - Due Diligence Vendor-02/09/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 57.69% 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 4.42% 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 - 22.17 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 - 10.00 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 - 9.72 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.76 Are Greater Than The Guideline Minimum Of 12 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 720 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 | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 509 | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2026-01-29 17:01 | 2026-02-09 10:02 | 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-02/09/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-02/08/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Per guidelines, a verbal VOE must be documented. - Due Diligence Vendor-01/29/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/09/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 57.69% 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 4.42% 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 - 22.17 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 - 10.00 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 - 9.72 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.76 Are Greater Than The Guideline Minimum Of 12 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 720 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 | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 510 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 511 | 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 | ||||||||||||||||||||
| 512 | B | B | B | B | A | A | A | A | Closed | FCRE7569 | 2026-01-30 07:57 | 2026-02-03 08:13 | Waived | 2 - Non-Material | B | B | Credit | Liabilities | Mortgage history for primary residence less than 12 months | Waived-Borrower does not own primary, lives rent free. - Due Diligence Vendor-01/30/2026 | Waived-Borrower does not own primary, lives rent free. - Due Diligence Vendor-01/30/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.89 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 3 months reserves greater than program requirement 6 months reserves greater than program requirement |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx | ||||
| 513 | 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 | ||||||||||||||||||||
| 514 | C | B | C | B | A | A | B | B | Closed | FVAL9739 | 2026-07-15 11:44 | 2026-07-15 14:52 | Waived | 1 - Information | B | B | Property | Appraisal | Property/Appraisal General | Open-2 review products provided to meet review product tolerance - Due Diligence Vendor-07/15/2026 Waived-Non material - impacts xxx grade only. - Due Diligence Vendor-07/15/2026 |
Waived-Non material - impacts xxx grade only. - Due Diligence Vendor-07/15/2026 |
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 700 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 - 5.08 Years |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | |||||
| 514 | C | B | C | B | A | A | B | B | Closed | FCRE1479 | 2026-02-12 08:25 | 2026-02-12 08:26 | Waived | 2 - Non-Material | C | B | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Waived-Exception granted with supporting comp factors: Exception needed for new account <30 days old. Account needed to cover reserves - Due Diligence Vendor-02/12/2026 Open-Asset 1 Does Not Meet Guideline Requirements - Due Diligence Vendor-02/12/2026 |
Waived-Exception granted with supporting comp factors: Exception needed for new account <30 days old. Account needed to cover reserves - Due Diligence Vendor-02/12/2026 |
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 700 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 - 5.08 Years |
Mortgage - 48 months reported all paid as agreed Property completely remodeled, and actual rents are higher than the market rent |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxx | ||||
| 514 | C | B | C | B | A | A | B | B | Closed | FCRE1198 | 2026-02-03 01:31 | 2026-02-12 08:25 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 6.26 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-02/12/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-02/10/2026 Counter-Document Uploaded. Final 1003 reflects no Assets listed in section 2a. If the Assets located in the Loan file are being use, an updated 1003 reflecting those funds will be needed. - Due Diligence Vendor-02/09/2026 Ready for Review-Document Uploaded. Rebut - please see attached. File had the 6 months of reserves - Buyer-02/08/2026 Open-Audited Reserves of 4.46 are less than Guideline Required Reserves of 6 - Due Diligence Vendor-02/03/2026 |
Resolved-Audited Reserves of 6.26 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-02/12/2026 |
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 700 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 - 5.08 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 515 | D | A | D | A | A | A | A | A | Closed | FCRE1167 | 2026-02-02 08:23 | 2026-02-09 12:06 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/09/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-02/09/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx - Due Diligence Vendor-02/02/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/09/2026 |
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 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.39 Are Greater Than The Guideline Minimum Of 6 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 | ||||
| 516 | D | A | D | A | A | A | A | A | Closed | FPRO1245 | 2026-02-02 03:28 | 2026-02-17 12:43 | Resolved | 1 - Information | C | A | Credit | Eligibility | Appraisal is Expired | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-02/17/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-02/17/2026 Open-Primary Value Appraisal is Expired Appraiser to provide an updated appraisal report correcting the effective date on page 3 of 7 from xxx to xxx, consistent with the appraiser’s signature date of xxx on page 7 of 7. - Due Diligence Vendor-02/03/2026 |
Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-02/17/2026 |
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 720 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 - 6.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.84 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 517 | 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 | ||||||||||||||||||||
| 518 | 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 | ||||||||||||||||||||
| 519 | 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 | ||||||||||||||||||||
| 520 | C | A | C | A | A | A | A | A | Closed | FCRE1167 | 2026-02-02 16:40 | 2026-02-09 11:40 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/09/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-02/08/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx - Due Diligence Vendor-02/02/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/09/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% 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 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.95 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | ||||
| 521 | 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 | ||||||||||||||||||||
| 522 | 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 | ||||||||||||||||||||
| 523 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||
| 524 | D | B | D | B | A | A | A | A | Closed | FCRE1468 | 2026-02-10 14:20 | 2026-02-12 07:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-02/12/2026 Ready for Review-Document Uploaded. Please see attached 1008, 1003, Final HUDs/Settlement Statement of sold properties. Per UW: 1008, page 3 of 1003, and Final HUDs/Settlement Statement of sold properties shows the funds from each property that were used to satisfy the purchase/down payment funds. This should be sufficient proof of funds that the borrower brought in. Please advise. - Seller-02/10/2026 Open-Asset 2 Missing . Provide documentation to evidence cash proceeds utilized towards the subject purchase. At the time of review, no settlement statement to support cash back to borrower for property refi, other than a list of refi’s being completed, was provided as required - Due Diligence Vendor-02/10/2026 |
Ready for Review-Document Uploaded. Please see attached 1008, 1003, Final HUDs/Settlement Statement of sold properties. Per UW: 1008, page 3 of 1003, and Final HUDs/Settlement Statement of sold properties shows the funds from each property that were used to satisfy the purchase/down payment funds. This should be sufficient proof of funds that the borrower brought in. Please advise. - Seller-02/10/2026 |
Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-02/12/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 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 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.91 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 | Purchase | NA | N/A | N/A | xxx | |||
| 524 | D | B | D | B | A | A | A | A | Closed | FCRE5000 | 2026-02-06 10:05 | 2026-02-10 14:10 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Number of Mortgaged Properties and/or aggregate loan balance with lender exceeds max allowable. | Waived-Number of Mortgaged Properties is 16. Exception Approved: Housing History validation for (primary and subject only), exposure due to number of loans (10+) and three-layered/series entity (borrower is 100% owner of all). - Due Diligence Vendor-02/10/2026 | Waived-Number of Mortgaged Properties is 16. Exception Approved: Housing History validation for (primary and subject only), exposure due to number of loans (10+) and three-layered/series entity (borrower is 100% owner of all). - Due Diligence Vendor-02/10/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 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 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.91 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
High DSCR 1.36, High FICO 20+ points above cap. | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx | ||||
| 525 | D | B | D | B | A | A | A | A | Closed | FCRE1467 | 2026-02-11 08:18 | 2026-02-12 10:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-02/12/2026 Ready for Review-Document Uploaded. Please see attached 1008, 1003, Final HUDs/Settlement Statement of sold properties. Per UW: 1008, page 3 of 1003, and Final HUDs/Settlement Statement of sold properties shows the funds from each property that were used to satisfy the purchase/down payment funds. This should be sufficient proof of funds that the borrower brought in. Please advise. - Seller-02/11/2026 Open-Asset 1 Missing . Provide documentation to evidence cash proceeds utilized towards the subject purchase. At the time of review, no settlement statement to support cash back to borrower for property refi, other than a list of refi’s being completed, was provided as required. - Due Diligence Vendor-02/11/2026 |
Ready for Review-Document Uploaded. Please see attached 1008, 1003, Final HUDs/Settlement Statement of sold properties. Per UW: 1008, page 3 of 1003, and Final HUDs/Settlement Statement of sold properties shows the funds from each property that were used to satisfy the purchase/down payment funds. This should be sufficient proof of funds that the borrower brought in. Please advise. - Seller-02/11/2026 |
Resolved-Asset 1 Provided - Due Diligence Vendor-02/12/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.83 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months 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 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 525 | D | B | D | B | A | A | A | A | Closed | FCRE5000 | 2026-02-10 10:09 | 2026-02-11 07:47 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Number of Mortgaged Properties and/or aggregate loan balance with lender exceeds max allowable. | Waived-Number of Mortgaged Properties is 16. Exception Approved: Housing History validation for (primary and subject only), exposure due to number of loans (10+) and three-layered/series entity (borrower is 100% owner of all). - Due Diligence Vendor-02/10/2026 |
Waived-Number of Mortgaged Properties is 16. Exception Approved: Housing History validation for (primary and subject only), exposure due to number of loans (10+) and three-layered/series entity (borrower is 100% owner of all). - Due Diligence Vendor-02/10/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.83 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months 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 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
High DSCR 1.36, High FICO 20+'s above cap. | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx | ||||
| 526 | D | B | D | B | A | A | A | A | Closed | FCRE1469 | 2026-02-08 23:22 | 2026-02-11 13:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-02/11/2026 Ready for Review-Document Uploaded. Please see attached 1008, 1003, Final HUDs/Settlement Statement of sold properties. Per UW: 1008, page 3 of 1003, and Final HUDs/Settlement Statement of sold properties shows the funds from each property that were used to satisfy the purchase/down payment funds. This should be sufficient proof of funds that the borrower brought in. Please advise. - Seller-02/10/2026 Open-Asset 3 Missing Asset # 3 Missing proof the Net proceeds no less than xxx Final CD of sale & proof of funds were actually received. Multiple properties per LO/UW Note imaged page 414-415 (1) xxx (2) xxx (3) xxx - Due Diligence Vendor-02/10/2026 |
Ready for Review-Document Uploaded. Please see attached 1008, 1003, Final HUDs/Settlement Statement of sold properties. Per UW: 1008, page 3 of 1003, and Final HUDs/Settlement Statement of sold properties shows the funds from each property that were used to satisfy the purchase/down payment funds. This should be sufficient proof of funds that the borrower brought in. Please advise. - Seller-02/10/2026 |
Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-02/11/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - 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 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 589.06 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 | Purchase | NA | N/A | N/A | xxx | |||
| 526 | D | B | D | B | A | A | A | A | Closed | FCRE1440 | 2026-02-10 09:36 | 2026-02-10 09:36 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Requesting exception to utilize soft guide for housing volume (10+), and three-layered entity (100% owned history (primary only), exposure due to loan volume 10+), and three-layered entity (100% owned by borrower. page 348 - Due Diligence Vendor-02/10/2026 | Waived-Requesting exception to utilize soft guide for housing volume (10+), and three-layered entity (100% owned history (primary only), exposure due to loan volume 10+), and three-layered entity (100% owned by borrower. page 348 - Due Diligence Vendor-02/10/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - 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 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 589.06 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
* High DSCR (> 1.15 DSCR) * High FICO (20+ points greater than program requirement) |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx | ||||
| 527 | 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 | ||||||||||||||||||||
| 528 | 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 | ||||||||||||||||||||
| 529 | C | B | C | B | A | A | A | A | Closed | FCRE1193 | 2026-02-04 00:52 | 2026-03-09 11:31 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Exception granted with supporting comp factors: Max - 55% Subject - 55.74 - Due Diligence Vendor-03/09/2026 Ready for Review-Document Uploaded. Please see attached. Loan meets requirements for the expanded DTIii - Buyer-03/08/2026 Open-Audited DTI of 55.74% exceeds Guideline DTI of 50% - Due Diligence Vendor-02/04/2026 |
Waived-Exception granted with supporting comp factors: Max - 55% Subject - 55.74 - Due Diligence Vendor-03/09/2026 |
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 - 2443 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 106.59 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 - 24.44 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 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 28.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.25% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
LTV Max - 80% Subj- 67.3% No outstanding revolving or installment debt B has owned home for over 25 years. |
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 | Originator Post-Close | Yes | xxx | |||
| 530 | D | A | D | A | A | A | A | A | Closed | FCRE1803 | 2026-02-04 13:19 | 2026-02-09 12:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Schedule of Real Estate all Parties Incomplete | Resolved-Updated 1003 REO section provided - Due Diligence Vendor-02/09/2026 Ready for Review-Document Uploaded. Please see attached. As you mentioned, the borrower owns numerous properties, and a few of the properties of the 5 chosen are owned free and clear. - Buyer-02/09/2026 Open-Per page 61 of the guidelines the borrower who is a real estate investor should list atleast 5 REO's on the final 1003. The 1003 lists the open mortgages on the credit report, but not the physical addresses to at least 5 REO's. - Due Diligence Vendor-02/04/2026 |
Resolved-Updated 1003 REO section provided - Due Diligence Vendor-02/09/2026 |
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 700 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 - 5.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.94% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 106.53 Are Greater Than The Guideline Minimum Of 6 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 | ||||
| 531 | 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 | ||||||||||||||||||||
| 532 | 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 | ||||||||||||||||||||
| 533 | 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 | ||||||||||||||||||||
| 534 | 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 | ||||||||||||||||||||
| 535 | 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 | ||||||||||||||||||||
| 536 | 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 | ||||||||||||||||||||
| 537 | 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 | ||||||||||||||||||||
| 538 | 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 | ||||||||||||||||||||
| 539 | D | A | D | A | A | A | A | A | Closed | FCRE1202 | 2026-02-06 03:01 | 2026-02-11 14:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/11/2026 Ready for Review-Document Uploaded. - Buyer-02/10/2026 Open-Third Party Fraud Report Partially Provided Provide complete Fraud Report document only 7 pages in file. - Due Diligence Vendor-02/06/2026 |
Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/11/2026 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |||||
| 540 | D | A | D | A | A | A | C | A | Closed | FCRE1198 | 2026-02-06 13:53 | 2026-02-12 11:22 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 11.71 are greater than or equal to Guideline Required Reserves of 9 - Due Diligence Vendor-02/12/2026 Ready for Review-Document Uploaded. Dec bank stmt provided - access LOX is already in the file - Buyer-02/11/2026 Open-Audited Reserves of 5.48 are less than Guideline Required Reserves of 6 The origination underwriter final 1008 reflected they approved with 3 months PITIA reserves. The guideline required 9 months reserves for non owner occupied purchase of investment with loan amount of xxx. However, the guideline overlay allows a 5% LTV reduction can reduce reserves by 3 thus 6 months were required. - Due Diligence Vendor-02/06/2026 |
Resolved-Audited Reserves of 11.71 are greater than or equal to Guideline Required Reserves of 9 - Due Diligence Vendor-02/12/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.17 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 - 11.42 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 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.97% 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 0.08 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 - 6.36 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 540 | D | A | D | A | A | A | C | A | Closed | FCRE7497 | 2026-02-06 04:39 | 2026-02-12 11:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA document provided state xxx/Annually / 12 = xxx per month - Due Diligence Vendor-02/12/2026 Ready for Review-Document Uploaded. page 1 under Association Info lists the HOA at xxx annually which matches the xxx we used - Buyer-02/11/2026 Open-Provide HOA proof of Document for the Primary Residency Located at the xxx. - Due Diligence Vendor-02/06/2026 |
Resolved-HOA document provided state xxx/Annually / 12 = xxx per month - Due Diligence Vendor-02/12/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.17 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 - 11.42 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 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.97% 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 0.08 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 - 6.36 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 541 | 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 | ||||||||||||||||||||
| 542 | 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 | ||||||||||||||||||||
| 543 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2026-02-05 06:41 | 2026-02-09 09:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/09/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-02/08/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/05/2026 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/09/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.25% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.22 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 35.65% 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 0.12 |
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 | ||||
| 544 | 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 | ||||||||||||||||||||
| 545 | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2026-02-06 07:42 | 2026-02-09 09:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Web search dated xxx provided - Due Diligence Vendor-02/09/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-02/08/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 Missing verification of business existence within 30 days of the Note date for the self-employed borrower. Per GL 8.5.3, acceptable documentation must include one of the following: A letter from the business tax professional Online verification from the applicable regulatory agency or licensing bureau Seller certification verifying business existence through direct contact or internet search - Due Diligence Vendor-02/06/2026 |
Resolved-Web search dated xxx provided - Due Diligence Vendor-02/09/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.39% 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 - Calculated DTI Of 34.19% 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 - 34.99 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 0.0 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 - 35.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 32.83 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.46 Are Greater Than The Guideline Minimum Of 6 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 | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 546 | D | A | D | A | A | A | A | A | Closed | FCRE1161 | 2026-02-06 09:50 | 2026-02-11 14:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-02/11/2026 Ready for Review-Document Uploaded. - Buyer-02/10/2026 Open-Missing Flood Certificate Subject Property Flood Certificate is Missing - Due Diligence Vendor-02/06/2026 |
Resolved-Flood Certificate is fully present - Due Diligence Vendor-02/11/2026 |
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 - 7.85 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 0.13 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.18 Are Greater Than The Guideline Minimum Of 9 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 - 10 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 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.69% 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 | ||||
| 547 | 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 | ||||||||||||||||||||
| 548 | C | A | C | A | A | A | C | A | Closed | FVAL2477 | 2026-02-07 15:20 | 2026-02-11 10:37 | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-Corrected Appraisal provided - Due Diligence Vendor-02/11/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-02/10/2026 Open-Appraisal Corrections & Additions: 1) Missing Errors & Omissions (E&O) insurance for xxx, xxx, effective as of the appraisal date of xxx. 2) Provide an updated Page 1 of the appraisal report reflecting the subject property as a one-unit single-family dwelling, as the current appraisal identifies the property as “One with Accessory Unit” without supporting photographs, sketches, or descriptive documentation of an ADU/accessory unit. - Due Diligence Vendor-02/07/2026 |
Resolved-Corrected Appraisal provided - Due Diligence Vendor-02/11/2026 |
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 700 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 - 21.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | ||||
| 548 | C | A | C | A | A | A | C | A | Closed | FCRE1198 | 2026-02-05 23:55 | 2026-02-09 08:24 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 7.8 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-02/09/2026 Ready for Review-Rebut-please see attached. We're showing that sufficient funds were verified. Please confirm what is missing on your end. Thanks - Buyer-02/08/2026 Open-Audited Reserves of 0.26 are less than Guideline Required Reserves of 6 Borrowers (B1 & B2) are short xxx in verified funds. Borrowers must provide documentation verifying additional funds sufficient to meet the total requirement. Total verified funds required are xxx, consisting of xxx for funds to close and xxx for six (6) months of reserves. - Due Diligence Vendor-02/07/2026 |
Resolved-Audited Reserves of 7.8 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-02/09/2026 |
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 700 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 - 21.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | ||||
| 549 | 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 | ||||||||||||||||||||
| 550 | 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 | ||||||||||||||||||||
| 551 | 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 | ||||||||||||||||||||
| 552 | D | A | D | A | A | A | A | A | Closed | FCRE1161 | 2026-02-06 03:25 | 2026-02-09 09:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-02/09/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-02/08/2026 Open-Missing Flood Certificate - Due Diligence Vendor-02/06/2026 |
Resolved-Flood Certificate is fully present - Due Diligence Vendor-02/09/2026 |
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 640 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 - 5.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 119.59 Are Greater Than The Guideline Minimum Of 6 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 | ||||
| 553 | C | B | C | B | A | A | A | A | Closed | FCRE1198 | 2026-02-05 18:02 | 2026-02-09 08:57 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception granted with supporting comp factors: Allow for 8.8 months reserves. (9mos required per guidelines) - Due Diligence Vendor-02/09/2026 Ready for Review-Document Uploaded. Please see exception approval that was in the loan file. Thanks! - Buyer-02/08/2026 Open-Audited Reserves of 8.79 are less than Guideline Required Reserves of 9 Audited Reserves of 6.65 are less than Guideline Required Reserves of 9 - Due Diligence Vendor-02/05/2026 |
Waived-Exception granted with supporting comp factors: Allow for 8.8 months reserves. (9mos required per guidelines) - Due Diligence Vendor-02/09/2026 |
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 - 15.95 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 - 15.95 Years |
S/E business owner for 10+ years xxx fico |
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 | Originator Pre-Close | Yes | xxx | |||
| 554 | 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 | ||||||||||||||||||||
| 555 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 556 | 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 | ||||||||||||||||||||
| 557 | 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 | ||||||||||||||||||||
| 558 | 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 | ||||||||||||||||||||
| 559 | 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 | ||||||||||||||||||||
| 560 | 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 | ||||||||||||||||||||
| 561 | 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 | ||||||||||||||||||||
| 562 | 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 | ||||||||||||||||||||
| 563 | 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 | ||||||||||||||||||||
| 564 | D | A | A | A | D | A | A | A | Closed | FCOM1232 | 2026-02-09 11:26 | 2026-02-11 07:26 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-02/11/2026 Ready for Review-Document Uploaded. - Buyer-02/10/2026 Open-The Final 1003 is Missing Missing Final 1003. Provide the completed Final 1003 with all required REO schedule information fully populated, including mortgage balances, gross rents, and related details, as required per DSCR guidelines. - Due Diligence Vendor-02/09/2026 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-02/11/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.98 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 - 25.08 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 565 | 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 | ||||||||||||||||||||
| 566 | 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 | ||||||||||||||||||||
| 567 | 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 | ||||||||||||||||||||
| 568 | 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 | ||||||||||||||||||||
| 569 | D | A | A | A | D | A | A | A | Closed | FCOM1511 | 2026-02-09 13:39 | 2026-02-18 07:28 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Missing | Resolved- - Due Diligence Vendor-02/18/2026 Ready for Review-Document Uploaded. - Seller-02/17/2026 Counter-Missing Page 1 out of the 3 pages provided - Due Diligence Vendor-02/13/2026 Ready for Review-Document Uploaded. - Seller-02/12/2026 Open-. Provide final Settlement statement for subject property transaction. At the time of review, 3 statements provided, of which, none were signed by the borrowers and/or certified by the closing agent. - Due Diligence Vendor-02/09/2026 |
Ready for Review-Document Uploaded. - Seller-02/17/2026 Ready for Review-Document Uploaded. - Seller-02/12/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % 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 48.98 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 - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 569 | D | A | A | A | D | A | A | A | Closed | FCOM3075 | 2026-02-09 13:45 | 2026-02-13 07:13 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | US Patriot Act Disclosure or ID missing or unexecuted | Resolved-US patriot Act form provided - Due Diligence Vendor-02/13/2026 Ready for Review-Document Uploaded. - Seller-02/12/2026 Open-. Provide completed USA Patriot act as the one at the time of review was left blank and was not executed. - Due Diligence Vendor-02/09/2026 |
Ready for Review-Document Uploaded. - Seller-02/12/2026 |
Resolved-US patriot Act form provided - Due Diligence Vendor-02/13/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % 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 48.98 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 - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 569 | D | A | A | A | D | A | A | A | Closed | FCOM1223 | 2026-02-09 13:32 | 2026-02-13 07:10 | 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-02/13/2026 Ready for Review-Document Uploaded. - Seller-02/12/2026 Open-The Deed of Trust is Not Executed . Provide executed Deed for the subject property transaction located at xxx. - Due Diligence Vendor-02/09/2026 |
Ready for Review-Document Uploaded. - Seller-02/12/2026 |
Resolved-The Deed of Trust is Executed - Due Diligence Vendor-02/13/2026 |
s | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 569 | D | A | A | A | D | A | A | A | Closed | FCOM1207 | 2026-02-09 13:30 | 2026-02-13 07:09 | Resolved | 1 - Information | C | A | Compliance | Closing Package | The Note is Not Executed | Resolved-The Note is Executed - Due Diligence Vendor-02/13/2026 Ready for Review-Document Uploaded. - Seller-02/12/2026 Open-The Note is Not Executed . Provide executed Note for the subject property transaction located at xxx. - Due Diligence Vendor-02/09/2026 |
Ready for Review-Document Uploaded. - Seller-02/12/2026 |
Resolved-The Note is Executed - Due Diligence Vendor-02/13/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % 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 48.98 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 - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 570 | 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 | ||||||||||||||||||||
| 571 | D | A | D | A | D | A | A | A | Closed | FCRE1157 | 2026-02-10 15:53 | 2026-02-11 08:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/11/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-02/10/2026 Open-Missing Hazard Insurance Policy We have the an addiitonal insurance policies for windstorm, but missing the actual regular HOI policy for the sbjct prprty. - Due Diligence Vendor-02/10/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/11/2026 |
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 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.11 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 % Is Less Than The Guideline Maximum Of 75% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 572 | 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 | ||||||||||||||||||||
| 573 | D | A | A | A | A | A | D | A | Closed | FPRO1244 | 2026-02-10 17:36 | 2026-02-11 10:33 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-AVM provided - Due Diligence Vendor-02/11/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-02/10/2026 Open- - Due Diligence Vendor-02/10/2026 |
Resolved-AVM provided - Due Diligence Vendor-02/11/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.23 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 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 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.98% Is Less Than The Guideline Maximum Of 85% 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 | ||||
| 574 | 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 | ||||||||||||||||||||
| 575 | 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 | ||||||||||||||||||||
| 576 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-02-11 16:23 | 2026-02-18 11:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Tax cert & HOI policy provided - Due Diligence Vendor-02/18/2026 Ready for Review-Document Uploaded. - Seller-02/17/2026 Open-Missing verification of insurance for non-subject property - xxx- Due Diligence Vendor-02/11/2026 |
Ready for Review-Document Uploaded. - Seller-02/17/2026 |
Resolved-Tax cert & HOI policy provided - Due Diligence Vendor-02/18/2026 |
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 - 17.61 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 - 18.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.50 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.31% 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 75% 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 700 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 | |||
| 577 | 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 | ||||||||||||||||||||
| 578 | 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 | ||||||||||||||||||||
| 579 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 580 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 581 | 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 | ||||||||||||||||||||
| 582 | 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 | ||||||||||||||||||||
| 583 | 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 | ||||||||||||||||||||
| 584 | D | A | D | A | A | A | A | A | Closed | FCRE1503 | 2026-02-16 17:12 | 2026-02-19 10:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-2nd Lien note provided, newly closed - Due Diligence Vendor-02/19/2026 Ready for Review-Document Uploaded. Please see attached note for the 2nd lien. Loan just closed, so mortgage statement not available. - Buyer-02/18/2026 Open-Missing primary residence mortgage statement for 2nd lien. xxx - Due Diligence Vendor-02/16/2026 |
Resolved-2nd Lien note provided, newly closed - Due Diligence Vendor-02/19/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.81 Are Greater Than The Guideline Minimum Of 9 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 - 12.21 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 - 12.21 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 0.17 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 16.34% 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 - 7.50 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 585 | 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 | ||||||||||||||||||||
| 586 | 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 | ||||||||||||||||||||
| 587 | 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 | ||||||||||||||||||||
| 588 | C | A | C | A | A | A | A | A | Closed | FCRE3874 | 2026-02-14 03:45 | 2026-02-23 16:34 | Resolved | 1 - Information | C | A | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Resolved-Exception noted - Due Diligence Vendor-02/23/2026 Ready for Review-An exception was granted on this file to allow for rural property, and was delivered to xxx (xxx). - Buyer-02/23/2026 Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Rural properties are ineligible - Due Diligence Vendor-02/17/2026 |
Resolved-Exception noted - Due Diligence Vendor-02/23/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.62% 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 21.94 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
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 | |||||
| 589 | 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 | ||||||||||||||||||||
| 590 | D | A | D | A | A | A | A | A | Closed | FCRE3653 | 2026-02-17 11:08 | 2026-03-03 10:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing letter of explanation | Resolved-Updated 1003 provided. - Due Diligence Vendor-03/03/2026 Ready for Review-Document Uploaded. Rebut-updated 1003 attached. Narrative was sufficient, and the fact that the credit report shows xxx without dates is not applicable. - Buyer-03/01/2026 Open-Letter of explanation should have been obtained at origination due to the final application reflecting her employer as xxx and the origination credit report reflecting her current employer as xxx. Further, the final 1003 did not have check box indicated she was Self Employed, only typed as position thus generated an alert on risk Drive report. - Due Diligence Vendor-02/17/2026 |
Resolved-Updated 1003 provided. - Due Diligence Vendor-03/03/2026 |
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 680 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.92% 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 12.72 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 - 5.87 Years |
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 | ||||
| 591 | D | A | D | A | C | A | A | A | Closed | FCRE1252 | 2026-02-16 18:43 | 2026-03-11 16:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document is Incomplete | Resolved-Lender provided short form final title without UCC as exception - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-03/11/2026 Counter-Provided Final Title policy once completed - Due Diligence Vendor-02/23/2026 Ready for Review-This is on the Wholesale side. This will be confirmed once we receive the final title policy. - Buyer-02/22/2026 Open-Title Company to provide confirmation that xxxTermination Statement is recorded for the Schedule BII exceptions listed for item 10) xxx - Due Diligence Vendor-02/16/2026 |
Resolved-Lender provided short form final title without UCC as exception - Due Diligence Vendor-03/11/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % 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 43.01 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 - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 591 | D | A | D | A | C | A | A | A | Closed | FCRE1183 | 2026-02-16 18:56 | 2026-02-23 11:55 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-Updated 1008 provided - Due Diligence Vendor-02/23/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-02/22/2026 Open-Provide an updated 1008 reflecting the correct interest rate and corresponding P&I payment to match the executed Note. The current 1008 reflects a payment and interest rate that do not align with the terms documented on the Note. - Due Diligence Vendor-02/16/2026 |
Resolved-Updated 1008 provided - Due Diligence Vendor-02/23/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % 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 43.01 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 - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 591 | D | A | D | A | C | A | A | A | Closed | FCRE1167 | 2026-02-14 07:32 | 2026-02-23 11:52 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/23/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-02/22/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx Provide updated Hazard Insurance coverage and a Replacement Cost Estimator for Policy xxx. Current coverage of xxx is below the minimum required coverage of xxx. A Replacement Cost Estimator was not provided to support the insured amount. - Due Diligence Vendor-02/14/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/23/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % 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 43.01 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 - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 592 | 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 | ||||||||||||||||||||
| 593 | D | A | D | A | A | A | A | A | Closed | FCRE1183 | 2026-02-16 19:55 | 2026-02-23 12:32 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-updated 1008 provided - Due Diligence Vendor-02/23/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-02/22/2026 Open-Provide an updated 1008 reflecting the correct interest rate and corresponding P&I payment to match the executed Note. The current 1008 reflects a payment and interest rate that do not align with the terms documented on the Note. - Due Diligence Vendor-02/17/2026 |
Resolved-updated 1008 provided - Due Diligence Vendor-02/23/2026 |
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 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.61 Are Greater Than The Guideline Minimum Of 6 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 | ||||
| 594 | C | B | C | B | C | A | A | A | Closed | FCRE1183 | 2026-02-17 12:54 | 2026-02-19 09:30 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-Updated 1008 provided - Due Diligence Vendor-02/19/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-02/18/2026 Open-Missing final underwriting summary 1008 with the correct loan amount of xxx to correlate with approval, lock and final 1003. - Due Diligence Vendor-02/17/2026 |
Resolved-Updated 1008 provided - Due Diligence Vendor-02/19/2026 |
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 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 124.91 Are Greater Than The Guideline Minimum Of 6 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 | ||||
| 594 | C | B | C | B | C | A | A | A | Closed | FCRE8201 | 2026-02-18 10:09 | 2026-02-18 10:10 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception granted with supporting comp factors: Exception needed for subject having more than one vacant unit - Due Diligence Vendor-02/18/2026 Open-Exception needed for subject having more than one vacant unit - Due Diligence Vendor-02/18/2026 |
Waived-Exception granted with supporting comp factors: Exception needed for subject having more than one vacant unit - Due Diligence Vendor-02/18/2026 |
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 640 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 124.91 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
LTV - Max - 75% Subject - 70% Mrtg - Multiple accounts, with history dating back to 2014. No lates in the last 36+ months. |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx | ||||
| 595 | C | B | A | A | C | A | B | B | Closed | FVAL9739 | 2026-02-13 11:16 | 2026-02-14 18:19 | Waived | 2 - Non-Material | B | B | Property | Appraisal | Property/Appraisal General | Waived--Exception needed for subject having more than one vacant unit Exception approval found on pg 291 - Due Diligence Vendor-02/13/2026 |
Waived--Exception needed for subject having more than one vacant unit Exception approval found on pg 291 - Due Diligence Vendor-02/13/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - DSCR: Use the highest representative score of all borrowers Doc Types other than Asset Depletion and DSCR: The occupying borrower with the highest income is the primary borrower and their representative credit score is to be used. When borrowers are self-employed and have equal ownership of a business, the highest representative score of all borrowers is to be used Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of % 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 123.03 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
-Max - 75% Subject - 70% -Multiple accounts, with history dating back to 2014. No lates inthe last 36+ months. |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx | ||||
| 596 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 597 | 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 | ||||||||||||||||||||
| 597 | D | B | D | B | A | A | A | A | Closed | FCRE8611 | 2026-02-17 20:20 | 2026-02-23 12:08 | Waived | 2 - Non-Material | C | B | Credit | Income | Income/Employment General | Waived-Exception granted with supporting comp factors: Exception needed for income docs expired by 1 day after the note date - Due Diligence Vendor-02/23/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-02/22/2026 Open-Provide a Lender exception or updated documentation to address the bank statement income seasoning. The current worksheet reflects the last bank statement dated xxx with a Note Date of xxx (91 days), exceeding the 90-day requirement per GL 2.11 (Seasoning of Documents/Income Documents). - Due Diligence Vendor-02/18/2026 |
Waived-Exception granted with supporting comp factors: Exception needed for income docs expired by 1 day after the note date - Due Diligence Vendor-02/23/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.09% 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 76.77 Are Greater Than The Guideline Minimum Of 9 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 - 6.53 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 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 79.86% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
DTI - Max 50% Subject - 29% Credit History - Credit established in 2010, including mortgages. No lates on entire report. |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxx | |||
| 598 | 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 | ||||||||||||||||||||
| 599 | 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 | ||||||||||||||||||||
| 600 | 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 | ||||||||||||||||||||
| 601 | B | B | B | B | A | A | A | A | Closed | FCRE1440 | 2026-02-19 13:49 | 2026-02-19 13:49 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements . Exception granted for - The private beneficiary/Noteholder accepts cash payments from xxx. We will collect the full written VOM form, but we do not have the alternative documents to support the VOM referenced in guideline 6.5. We do fit guideline 6.5.1 - Due Diligence Vendor-02/19/2026 |
Waived-Housing History Does Not Meet Guideline Requirements . Exception granted for - The private beneficiary/Noteholder accepts cash payments from xxx. We will collect the full written VOM form, but we do not have the alternative documents to support the VOM referenced in guideline 6.5. We do fit guideline 6.5.1 - Due Diligence Vendor-02/19/2026 |
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 0.16 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 104.04 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 41.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) 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 - 5.37 Years |
6 months reserves greater than program requirement | 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 | ||||
| 602 | 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 | ||||||||||||||||||||
| 603 | 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 | ||||||||||||||||||||
| 604 | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2026-02-23 11:51 | 2026-03-03 10:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Business Verification provided - Due Diligence Vendor-03/03/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-03/01/2026 Open-Third party verification of employment of Business existence are missing from the loan file for both businesses. There is a business narrative for each business; however, it is written and executed by the borrower not a third party. - Due Diligence Vendor-02/23/2026 |
Resolved-Business Verification provided - Due Diligence Vendor-03/03/2026 |
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 - 5.20 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.16 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 - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 604 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-02-20 23:39 | 2026-02-26 12:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-First payment letter (escrowed) provided - Due Diligence Vendor-02/26/2026 Ready for Review-Document Uploaded. this was a new loan. see initial payment coupon. - Buyer-02/24/2026 Open-xxx - HOI is missing in the file - Due Diligence Vendor-02/21/2026 |
Resolved-First payment letter (escrowed) provided - Due Diligence Vendor-02/26/2026 |
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 - 5.20 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.16 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 - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 605 | D | A | A | A | D | A | A | A | Closed | FCOM1291 | 2026-02-24 16:45 | 2026-02-26 17:18 | Waived | 1 - Information | C | A | Compliance | Right to Rescind | Creditor did not provide the appropriate Right to Cancel Form Model (same creditor with H-8 form type). | Waived-The use of H8 form in xxx has been deemed non-material due to xxx ruling in favor that H8 form provided sufficient notice of the borrowers right to rescind. - Due Diligence Vendor-02/26/2026 Open-Loan Purpose is Refinance and Creditor did not provide the appropriate Right to Cancel Form xxx (Same Creditor with H-8 form type). ******Documentation provided includes an H8 Right to Cancel form. Lender has been identified as either the current lender or the recorded original lender. The correct form should be an H9 - Due Diligence Vendor-02/24/2026 |
Waived-The use of H8 form in xxx has been deemed non-material due to xxx ruling in favor that H8 form provided sufficient notice of the borrowers right to rescind. - Due Diligence Vendor-02/26/2026 |
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 - 11.49 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 - 11.50 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 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.74 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | |||||
| 605 | D | A | A | A | D | A | A | A | Closed | FCOM2630 | 2026-02-23 14:02 | 2026-02-25 13:54 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - State Disclosure | Attorney Preference Letter missing or unexecuted | Resolved-Right To Choose Attorney or Attorney Preference Resolved or Not Applicable - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. - Buyer-02/25/2026 Open-Right To Choose Attorney or Attorney Preference Not In File *******Please provide entire initial disclosure package for review - Due Diligence Vendor-02/24/2026 |
Resolved-Right To Choose Attorney or Attorney Preference Resolved or Not Applicable - Due Diligence Vendor-02/25/2026 |
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 - 11.49 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 - 11.50 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 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.74 Are Greater Than The Guideline Minimum Of 6 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 | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 606 | D | A | D | A | C | A | A | A | Closed | FCRE1316 | 2026-02-22 08:34 | 2026-03-02 11:26 | 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-03/02/2026 Ready for Review-Document Uploaded. see attached. - Buyer-02/26/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-02/22/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/02/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 38.78 Are Greater Than The Guideline Minimum Of 9 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 - 12.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 20.3% 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 - 15.00 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 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 - 12.26 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 0.08 |
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 | ||||
| 607 | 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 | ||||||||||||||||||||
| 608 | 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 | ||||||||||||||||||||
| 609 | 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 | ||||||||||||||||||||
| 610 | C | A | A | A | C | A | A | A | Closed | finding-3939 | 2026-02-24 23:02 | 2026-02-27 16:02 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-**Received revised LE - Due Diligence Vendor-02/27/2026 Resolved- - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. sorry, here you go. - Buyer-02/27/2026 Counter-**Received a copy of the revised LE issued 2/2/26 that was issued in relation to a lock extension. The Rate-Lock Agreement and Lock Confirmation documents in the original file indicate that the rate was first locked on 12/31/25. We are missing the revised LE issued within 3 business days of the initial rate lock date of 12/31/25. - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. see attached. - Buyer-02/26/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx,xxx,xxx,xxx and xxx. ***** Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-02/26/2026 Open- - Due Diligence Vendor-02/26/2026 Open- - Due Diligence Vendor-02/26/2026 Open- - Due Diligence Vendor-02/25/2026 |
Resolved-**Received revised LE - Due Diligence Vendor-02/27/2026 |
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 - 38.40 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 27.17 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 - 38.39 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.88 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 42.42% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.72% 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 | Cash Out - Other | N/A | N/A | xxx | ||||
| 611 | D | B | D | B | C | A | A | A | Closed | FCRE8201 | 2026-03-09 11:53 | 2026-03-09 11:54 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception granted with supporting comp factors: Investor Concentration: xxx Units Rented / xxx Total Units = 98.14%, where 60% is allowed - Due Diligence Vendor-03/09/2026 Open-Investor Concentration: xxx Units Rented / xxx Total Units = 98.14%, where 60% is allowed - Due Diligence Vendor-03/09/2026 |
Waived-Exception granted with supporting comp factors: Investor Concentration: xxx Units Rented / xxx Total Units = 98.14%, where 60% is allowed - Due Diligence Vendor-03/09/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 81.81 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 - 13.00 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 720 By Twenty (20) or More Points |
History, including mortgages, dating back to 2002. NO lates reported DSCR Min - 1.0 Subj - 1.21% Borrowers have owned subject for almost 10 years |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx | ||||
| 611 | D | B | D | B | C | A | A | A | Closed | FCRE1200 | 2026-02-27 03:44 | 2026-03-09 11:50 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception granted with supporting comp factors: Loan amount xxx <MIN xxx- Due Diligence Vendor-03/09/2026 Open- - Due Diligence Vendor-03/09/2026 Rescinded-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx Lender Exception for Loan Amount under xxx — Approval dated xxx. (Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx) - Due Diligence Vendor-02/27/2026 |
Waived-Exception granted with supporting comp factors: Loan amount xxx <MIN xxx - Due Diligence Vendor-03/09/2026 Rescinded-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx Lender Exception for Loan Amount under xxx— Approval dated xxx. (Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx) - Due Diligence Vendor-02/27/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 81.81 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 - 13.00 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 720 By Twenty (20) or More Points |
History, including mortgages, dating back to 2002. NO lates reported DSCR Min - 1.0 Subj - 1.21% Borrowers have owned subject for almost 10 years |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx | ||||
| 611 | D | B | D | B | C | A | A | A | Closed | FCRE3653 | 2026-02-27 13:39 | 2026-03-02 14:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing letter of explanation | Resolved-C/O Letter provided - Due Diligence Vendor-03/02/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-03/01/2026 Open-Provide a signed Letter of Explanation from the borrower(s) disclosing the specific business purpose of the cash-out proceeds. Per GL §4.1.3, a cash-out purpose letter is required on all cash-out refinances and must align with the loan application. Per GL §4.1.4, DSCR proceeds may be used for business purposes only; personal, family, or household use is prohibited. - Due Diligence Vendor-02/27/2026 |
Resolved-C/O Letter provided - Due Diligence Vendor-03/02/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 81.81 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 - 13.00 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 720 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 611 | D | B | D | B | C | A | A | A | Closed | FCOM7213 | 2026-02-27 13:37 | 2026-03-02 14:18 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Mortgage Riders incomplete / inaccurate | Resolved-all pages of the signed 1-4 rider provided - Due Diligence Vendor-03/02/2026 Ready for Review-Document Uploaded. see attached - Buyer-02/27/2026 Open-Provide the fully executed Page 1 of 2 for the MULTISTATE 1–4 FAMILY RIDER, with all required parties’ initials. Page 2 of 2 is executed; however, Page 1 of 2 is missing initials from all parties. - Due Diligence Vendor-02/27/2026 |
Resolved-all pages of the signed 1-4 rider provided - Due Diligence Vendor-03/02/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 81.81 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 - 13.00 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 720 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 612 | D | B | D | B | A | A | A | A | Closed | FCRE1201 | 2026-02-26 06:50 | 2026-03-03 08:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/03/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-03/01/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-02/26/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/03/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 83.5 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 - 13 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 660 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 612 | D | B | D | B | A | A | A | A | Closed | FVAL5474 | 2026-03-03 08:35 | 2026-03-03 08:36 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Condo project is non-warrantable | Waived-Exception granted with supporting comp factors: Loan is underwritten to Agency guidelines and condo is non-warrantable per GSE. 1 non-Warrantable Characteristic, where only 1 no warrantable characteristic is allowed: Investor Concentration: xxx Units Rented / xxx Total Units = 98.14% where 60% is allowed - Due Diligence Vendor-03/03/2026 Open-Loan is underwritten to Agency guidelines and condo is non-warrantable per GSE. 1 non-Warrantable Characteristic, where only 1 no warrantable characteristic is allowed: Investor Concentration: xxx Units Rented / xxx Total Units = 98.14% where 60% is allowed - Due Diligence Vendor-03/03/2026 |
Waived-Exception granted with supporting comp factors: Loan is underwritten to Agency guidelines and condo is non-warrantable per GSE. 1 non-Warrantable Characteristic, where only 1 no warrantable characteristic is allowed: Investor Concentration: xxx Units Rented / xxx Total Units = 98.14% where 60% is allowed - Due Diligence Vendor-03/03/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 83.5 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 - 13 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 660 By Twenty (20) or More Points |
xxx fico. Mtg rating 0x30x38 or greater. Established tradelines w/ no derogs and low credit usage. 1.210 ratio . Professional investor Subject is centralized in an established investment area located between Lakes and beaches |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx | ||||
| 612 | D | B | D | B | A | A | A | A | Closed | FCRE1200 | 2026-02-26 07:03 | 2026-03-03 08:34 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception granted with supporting comp factors: Loan Amount xxx < xxx Min - Due Diligence Vendor-03/03/2026 Ready for Review-Document Uploaded. Please see attached which was in the file. - Buyer-03/01/2026 Open-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx Lowest loan amount referenced on Matrix is xxx. Guidelines or matrix do not specifically list a minimum - Due Diligence Vendor-02/27/2026 |
Waived-Exception granted with supporting comp factors: Loan Amount xxx <xxxMin - Due Diligence Vendor-03/03/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 83.5 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 - 13 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 660 By Twenty (20) or More Points |
xxx fico. Mtg rating 0x30x38 or greater. Established tradelines w/ no derogs and low credit usage. 1.210 ratio . Professional investor Subject is centralized in an established investment area located between Lakes and beaches |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx | |||
| 613 | 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 | ||||||||||||||||||||
| 614 | 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 | ||||||||||||||||||||
| 615 | D | B | D | B | A | A | A | A | Closed | FPRO1244 | 2026-03-18 15:05 | 2026-03-18 15:08 | Waived | 2 - Non-Material | D | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Document Uploaded. Exception granted to use xxx projected income for DSCR calculation - Due Diligence Vendor-03/18/2026 Open-Need exception to use projected earnings for xxx for DSCR calculation - Due Diligence Vendor-03/18/2026 |
Waived-Document Uploaded. Exception granted to use AirDNA projected income for DSCR calculation - Due Diligence Vendor-03/18/2026 |
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 64.58% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxx | ||||
| 616 | 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 | ||||||||||||||||||||
| 617 | 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 | ||||||||||||||||||||
| 618 | 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 | ||||||||||||||||||||
| 619 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-03-09 06:03 | 2026-03-16 06:01 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 25.18 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. Please see attached HUD 1s to show proceeds from 2 other loans borrower just closed. - Buyer-03/15/2026 Open-Audited Reserves of are less than Guideline Required Reserves of 6 - Due Diligence Vendor-03/09/2026 |
Resolved-Audited Reserves of 25.18 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-03/16/2026 |
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 720 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 - 26.50 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.18 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | ||||
| 620 | C | A | C | A | A | A | A | A | Closed | FCRE8611 | 2026-03-10 19:43 | 2026-04-10 13:12 | Resolved | 1 - Information | C | A | Credit | Income | Income/Employment General | Resolved-Bank statement provided validating receipt of the xxx rental payment - Due Diligence Vendor-04/10/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-04/09/2026 Open-Provide documentation evidencing that xxx account ending xxx belongs to the borrower to validate receipt of the xxx rental payment (xxx + xxx security deposit per the new lease agreement). The LOE (pg. 343) references receipt of rent for the recently executed lease, and a deposit receipt (pg. 78) along with a xxx bank statement for the tenant’s account were provided; however, documentation confirming that xxx account ending xxx is the borrower’s account is missing to support receipt of the xxx rental funds. Per GL 8.11.2 (DSCR – Restrictions Requirements), higher lease rents may only be used with documented receipt of rent payments or per the terms of the lease for new leases. - Due Diligence Vendor-03/10/2026 |
Resolved-Bank statement provided validating receipt of the xxx rental payment - Due Diligence Vendor-04/10/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 61.17% 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 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | ||||
| 621 | 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 | ||||||||||||||||||||
| 622 | D | A | A | A | D | A | A | A | Closed | FCOM1220 | 2026-03-12 02:35 | 2026-03-16 06:52 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-03/15/2026 Open-The Deed of Trust is Missing - Due Diligence Vendor-03/12/2026 |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-03/16/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.05 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 - 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 | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 622 | D | A | A | A | D | A | A | A | Closed | FCOM1229 | 2026-03-12 03:22 | 2026-03-16 06:50 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved-Provided - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-03/15/2026 Open-1-4 Family Rider is Missing - Due Diligence Vendor-03/12/2026 |
Resolved-Provided - Due Diligence Vendor-03/16/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.05 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 - 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 | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 623 | D | A | A | A | D | A | A | A | Closed | FCOM2630 | 2026-03-12 12:14 | 2026-03-16 12:42 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - State Disclosure | Attorney Preference Letter missing or unexecuted | Resolved-Right To Choose Attorney or Attorney Preference Resolved or Not Applicable **Received - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. See attached. - Buyer-03/15/2026 Open-Right To Choose Attorney or Attorney Preference Not In File - Due Diligence Vendor-03/12/2026 |
Resolved-Right To Choose Attorney or Attorney Preference Resolved or Not Applicable **Received - Due Diligence Vendor-03/16/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 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 620 By Twenty (20) or More Points 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 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 - 15.00 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 - 14.82 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 | ||||
| 623 | D | A | A | A | D | A | A | A | Closed | FCOM1232 | 2026-03-11 11:57 | 2026-03-16 06:56 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-03/15/2026 Open-The Final 1003 is Missing - Due Diligence Vendor-03/11/2026 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-03/16/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 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 620 By Twenty (20) or More Points 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 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 - 15.00 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 - 14.82 Years |
The Final 1003 is Missing | 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 | |||
| 624 | D | A | D | A | A | A | A | A | Closed | FCRE1468 | 2026-03-12 01:18 | 2026-03-16 05:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-03/15/2026 Open-Asset 2 Missing. Documentation to support the assets of xxx are not in file. Please provide this documentation to support this asset - Due Diligence Vendor-03/12/2026 |
Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-03/16/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Verified 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 - Verified Months Reserves Of 60.7 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 - Verified Original LTV Of 65.69% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | ||||
| 625 | 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 | ||||||||||||||||||||
| 626 | 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 | ||||||||||||||||||||
| 627 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 628 | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2026-04-20 09:08 | 2026-04-24 13:19 | 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-04/24/2026 Ready for Review-Document Uploaded. - Seller-04/23/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing Self-Employed Business documents - Due Diligence Vendor-04/20/2026 |
Ready for Review-Document Uploaded. - Seller-04/23/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/24/2026 |
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 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 97.89 Are Greater Than The Guideline Minimum Of 9 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 | |||
| 628 | D | A | D | A | A | A | A | A | Closed | FCRE1437 | 2026-04-20 09:08 | 2026-04-24 13:19 | Resolved | 1 - Information | C | A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. - Seller-04/22/2026 Open-Income and Employment Do Not Meet Guidelines Missing all 12 months Bank statements used to qualify the Loan - Due Diligence Vendor-04/20/2026 |
Ready for Review-Document Uploaded. - Seller-04/22/2026 |
Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-04/23/2026 |
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 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 97.89 Are Greater Than The Guideline Minimum Of 9 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 | |||
| 628 | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2026-04-20 09:08 | 2026-04-24 13:19 | 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-04/23/2026 Ready for Review-Document Uploaded. - Seller-04/22/2026 Open-Missing Lender Worksheet or Bank Statement Summary Missing Lenders B/S Income worksheet reflecting all deposits/Excluded deposits used to qualifications - Due Diligence Vendor-04/20/2026 |
Ready for Review-Document Uploaded. - Seller-04/22/2026 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/23/2026 |
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 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 97.89 Are Greater Than The Guideline Minimum Of 9 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 | |||
| 629 | D | A | D | A | A | A | A | A | Closed | FCRE5790 | 2026-04-15 12:18 | 2026-04-17 11:26 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. - Seller-04/16/2026 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Per 6.4 guidelines on Gap Credit Reports, the report must be dated within 15 days of the note date. We are at 19 days. Please either supply a credit supp/gap credit report from within the 15 day time period, or an exception to move forward and rescind that requirement of 6.4. - Due Diligence Vendor-04/15/2026 |
Ready for Review-Document Uploaded. - Seller-04/16/2026 |
Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/17/2026 |
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 0.08 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 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 - 11.57 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 - 6.28 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 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.82% 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 - Calculated DTI Of 34.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 629 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-04-14 22:10 | 2026-04-17 11:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. - Seller-04/16/2026 Open-Missing Third Party Fraud Report for clients - please provide - Due Diligence Vendor-04/15/2026 |
Ready for Review-Document Uploaded. - Seller-04/16/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/17/2026 |
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 0.08 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 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 - 11.57 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 - 6.28 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 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.82% 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 - Calculated DTI Of 34.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 630 | 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 | ||||||||||||||||||||
| 631 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-04-15 15:11 | 2026-04-17 10:45 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-**Received PCCD - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. Hello, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxx. Thank you - Seller-04/16/2026 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. ***The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-04/16/2026 Open- - Due Diligence Vendor-04/16/2026 Open- - Due Diligence Vendor-04/15/2026 Open- - Due Diligence Vendor-04/15/2026 |
Ready for Review-Document Uploaded. Hello, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxx. Thank you - Seller-04/16/2026 |
Resolved-**Received PCCD - Due Diligence Vendor-04/17/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 81.65 Are Greater Than The Guideline Minimum Of 0 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 - 284 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.6% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.93% 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 | Cash Out - Other | N/A | N/A | xxx | |||
| 632 | D | A | C | A | D | A | A | A | Closed | FCOM8227 | 2026-04-15 17:59 | 2026-04-28 15:22 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-**Received revised LE - Due Diligence Vendor-04/28/2026 Ready for Review-please see other condition for documents - Seller-04/27/2026 Open-• Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. Rate dependent charge. - Due Diligence Vendor-04/15/2026 |
Ready for Review-please see other condition for documents - Seller-04/27/2026 |
Resolved-**Received revised LE - Due Diligence Vendor-04/28/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.73% 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 720 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 | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 632 | D | A | C | A | D | A | A | A | Closed | finding-3939 | 2026-04-15 17:56 | 2026-04-28 15:22 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-**Received revised LE - Due Diligence Vendor-04/28/2026 Resolved- - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. - Seller-04/27/2026 Open- - Due Diligence Vendor-04/21/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on 03/24/2026, 03/24/2026 and 03/24/2026. *****Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. Rate dependent charge. - Due Diligence Vendor-04/16/2026 Open- - Due Diligence Vendor-04/16/2026 Open- - Due Diligence Vendor-04/15/2026 |
Ready for Review-Document Uploaded. - Seller-04/27/2026 |
Resolved-**Received revised LE - Due Diligence Vendor-04/28/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.73% 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 720 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 | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 632 | D | A | C | A | D | A | A | A | Closed | FCRE6763 | 2026-04-17 12:28 | 2026-04-28 12:10 | Resolved | 1 - Information | C | A | Credit | Income | Income documentation does not meet guidelines | Resolved-Proof of Enrolled Agent from the IRS provided. - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. - Seller-04/27/2026 Counter-no document attached, please re-upload - Due Diligence Vendor-04/21/2026 Ready for Review-The letter is from an enrolled agent not a PTIN - please see the letter attached. We do not have anything in our guidelines that states we need an exception for this type of party. - Seller-04/20/2026 Open-The use of a PTIN requires an Exception. - Due Diligence Vendor-04/17/2026 |
Ready for Review-Document Uploaded. - Seller-04/27/2026 Ready for Review-The letter is from an enrolled agent not a PTIN - please see the letter attached. We do not have anything in our guidelines that states we need an exception for this type of party. - Seller-04/20/2026 |
Resolved-Proof of Enrolled Agent from the IRS provided. - Due Diligence Vendor-04/28/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.73% 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 720 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 | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 632 | D | A | C | A | D | A | A | A | Closed | FCOM7353 | 2026-04-16 15:37 | 2026-04-21 14:25 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-Lender provided LOS screenshot indicating Application date of xxx - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. - Seller-04/20/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-04/16/2026 |
Ready for Review-Document Uploaded. - Seller-04/20/2026 |
Resolved-Lender provided LOS screenshot indicating Application date of xxx - Due Diligence Vendor-04/21/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.73% 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 720 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 | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 633 | 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 | ||||||||||||||||||||
| 634 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 635 | 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 | ||||||||||||||||||||
| 636 | C | A | C | A | A | A | A | A | Closed | FCRE1167 | 2026-04-21 01:52 | 2026-04-22 10:40 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. Replacement Cost Estimator attached. - Seller-04/21/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx Missing evidence of sufficient hazard insurance OR satisfactory RCE. - Due Diligence Vendor-04/21/2026 |
Ready for Review-Document Uploaded. Replacement Cost Estimator attached. - Seller-04/21/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/22/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 73.4% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.04 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 637 | D | A | A | A | A | A | D | A | Closed | FPRO1244 | 2026-04-21 09:33 | 2026-04-23 13:32 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-CU score of 2.1 provided - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. - Seller-04/22/2026 Open-per guidelines missing secondary valuation. Loan amounts < xxx = 1 Full Appraisal + AVM or FNMA CU Risk score of 2.5 or less. - Due Diligence Vendor-04/21/2026 |
Ready for Review-Document Uploaded. - Seller-04/22/2026 |
Resolved-CU score of 2.1 provided - Due Diligence Vendor-04/23/2026 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 638 | 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 | ||||||||||||||||||||
| 639 | 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 | ||||||||||||||||||||
| 640 | 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 | ||||||||||||||||||||
| 641 | 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 | ||||||||||||||||||||
| 642 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 643 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 644 | D | A | D | A | A | A | A | A | Closed | FCRE9549 | 2026-04-22 19:33 | 2026-04-28 12:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Credit Report Supplement is missing | Resolved-Housing History provided - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. Please see attached… xxx sold xxx on xxx- Prop detail report confirms. xxx did a prior loan with us in xxx so attached is the credit report for that loan showing evidence of mortgage payments for xxx to xxx and xxx. I also provided mortgage statement from xxx and xxx for confirmation that this mortgage was for xxx. Thanks…. - Seller-04/27/2026 Open-Provide a full 12-month primary housing payment history per GL 6.5. xxx must evidence 12 consecutive months within the past three (3) years via VOM/VOR or alternative documentation if not on credit. xxx acct xxx (open date xxx) lacks confirmation of mortgage terms, and only three months of statements have been provided, which is insufficient to meet the requirement. - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. Please see attached… xxx sold xxx on xxx- Prop detail report confirms. xxx did a prior loan with us in xxx so attached is the credit report for that loan showing evidence of mortgage payments for xxx to xxx. I also provided mortgage statement from xxx and xxx for confirmation that this mortgage was for xxx. Thanks…. - Seller-04/27/2026 |
Resolved-Housing History provided - Due Diligence Vendor-04/28/2026 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 645 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 646 | 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 | ||||||||||||||||||||
| 647 | 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 | ||||||||||||||||||||
| 648 | 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 | ||||||||||||||||||||
| 649 | D | A | D | A | A | A | A | A | Closed | FCRE1193 | 2026-04-24 11:46 | 2026-04-30 16:46 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.73% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. - Seller-04/29/2026 Counter-Update bank statements using 50% standard expense statement DTI still above guidelines, 59.28%. Missing CPA or CTEC statement stating use of lower 40% expense % as seen on lender provided bank statement form to use higher income amount. - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. Please review the Income worksheet to verify the correct DTI. - Seller-04/28/2026 Open-Audited DTI of 77.14% exceeds Guideline DTI of 50% DTI Exceeds threshold limit. i.e 50%. - Due Diligence Vendor-04/24/2026 |
Ready for Review-Document Uploaded. - Seller-04/29/2026 Ready for Review-Document Uploaded. Please review the Income worksheet to verify the correct DTI. - Seller-04/28/2026 |
Resolved-Audited DTI of 49.73% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/30/2026 |
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 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 - 5.93 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 - 10.10 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.61 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 77.94% 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 720 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 | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 649 | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2026-04-24 17:22 | 2026-04-30 16:43 | 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-04/29/2026 Ready for Review-Document Uploaded. - Seller-04/28/2026 Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-04/24/2026 |
Ready for Review-Document Uploaded. - Seller-04/28/2026 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/29/2026 |
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 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 - 5.93 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 - 10.10 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.61 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 77.94% 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 720 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 | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 649 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-04-24 11:49 | 2026-04-29 13:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Lender provided docs to show $xxx HOA. - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. - Seller-04/28/2026 Open-Require supporting docs to verify HOA for REO property xxx. - Due Diligence Vendor-04/24/2026 |
Ready for Review-Document Uploaded. - Seller-04/28/2026 |
Resolved-Lender provided docs to show $0 HOA. - Due Diligence Vendor-04/29/2026 |
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 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 - 5.93 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 - 10.10 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.61 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 77.94% 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 720 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 | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 650 | 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 | ||||||||||||||||||||
| 651 | 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 | ||||||||||||||||||||
| 652 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 653 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 654 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 655 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 656 | 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 | ||||||||||||||||||||
| 657 | D | A | D | A | A | A | A | A | Closed | FCRE1157 | 2026-04-28 07:24 | 2026-04-29 15:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/29/2026 Resolved-Hazard provided. - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. Master with walls in. - Buyer-04/29/2026 Open-Missing Hazard Insurance Policy Please provide Insurance policy - Due Diligence Vendor-04/28/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/29/2026 Resolved-Hazard provided. - Due Diligence Vendor-04/29/2026 |
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 680 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 71.43% 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 - Calculated DTI Of 36.62% 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 46.51 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 - 5.03 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 0.11 |
Missing Hazard Insurance Policy | 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 | |||
| 658 | 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 | ||||||||||||||||||||
| 659 | 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 | ||||||||||||||||||||
| 660 | 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 | ||||||||||||||||||||
| 661 | 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 | ||||||||||||||||||||
| 662 | D | A | A | A | D | A | A | A | Closed | FCOM1232 | 2026-05-01 03:37 | 2026-05-19 08:24 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. - Buyer-05/18/2026 Counter-Please resend final, this appears to be the initial 1003 - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. - Buyer-05/11/2026 Open-The Final 1003 is Missing - Due Diligence Vendor-05/01/2026 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-05/19/2026 |
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 720 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 - 7.33 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 168.17 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 663 | D | A | D | A | A | A | A | A | Closed | FCRE9959 | 2026-04-29 09:06 | 2026-04-30 08:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing final closing disclosure/settlement statement/equivalent | Resolved-Missing SS for subject property provided - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. see attached. - Buyer-04/29/2026 Open-Provide the fully executed Closing Disclosure for subject property, xxx; additional conditions may apply upon review. - Due Diligence Vendor-04/29/2026 |
Resolved-Missing SS for subject property provided - Due Diligence Vendor-04/30/2026 |
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 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.8% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - 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 - Months Reserves Of 93.39 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 | ||||
| 664 | B | B | B | B | A | A | A | A | Closed | FCRE3874 | 2026-04-29 07:20 | 2026-04-29 17:09 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Zoning Description - Residential Agricultural - Due Diligence Vendor-04/29/2026 Rescinded-Primary Value Valuation Neighborhood Location Not Allowed for Program Validated - Due Diligence Vendor-04/29/2026 |
Waived-Zoning Description - Residential Agricultural - Due Diligence Vendor-04/29/2026 Rescinded-Primary Value Valuation Neighborhood Location Not Allowed for Program Validated - Due Diligence Vendor-04/29/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 52.24% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 131.13 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 |
Lending matrix allows 75% LTV. Transaction LTV is 20% below max allowed. Mortgage 0x30x12 required, the borrower has longer history of, paid as agreed, over 0x30x48. |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx | ||||
| 665 | D | A | A | A | A | A | D | A | Closed | FPRO1244 | 2026-05-01 16:00 | 2026-05-05 14:01 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-2nd Full Appraisal Provided - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. Ok third time is a charm. Here is the correct appraisal - Buyer-05/05/2026 Counter-Document Uploaded. The documents labeled as 1st appraisal is from xxx Appraisal Group xxx and the 2nd Appraisal is Completion cert also from xxx Appraisal Group xxx " - If there is a 2nd Full Appraisal please provide, as guides state: A field review or a second appraisal is acceptable. These may not be from the same appraiser or appraisal company as the original report. - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. Sorry I think I uploaded the wrong one. I have attached both appraisals - Buyer-05/05/2026 Counter- - Due Diligence Vendor-05/04/2026 Ready for Review-A field review or a second appraisal is acceptable. These may not be from the same appraiser or appraisal company as the original report. The appraisal provided in the loan file signed xxx by xxx, with xxx as Supervisor. The recently attached "second appraisal" is also signed by xxx, with xxx as Supervisor on xxx. - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. - Buyer-05/04/2026 Open- - Due Diligence Vendor-05/01/2026 |
Resolved-2nd Full Appraisal Provided - Due Diligence Vendor-05/05/2026 |
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 Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 7.33 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 87.2 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 666 | 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 | ||||||||||||||||||||
| 667 | 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 | ||||||||||||||||||||
| 668 | D | A | D | A | A | A | A | A | Closed | FCRE1241 | 2026-04-30 07:13 | 2026-05-04 11:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. Please see attached which was in the file. - Buyer-05/03/2026 Open-Purchase Contract Is Missing - Due Diligence Vendor-04/30/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-05/04/2026 |
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 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.27% 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 - 14.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 60.08 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 - 10.08 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 - 10.09 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 0.0 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||||
| 669 | 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 | ||||||||||||||||||||
| 670 | 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 | ||||||||||||||||||||
| 671 | 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 | ||||||||||||||||||||
| 672 | 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 | ||||||||||||||||||||
| 673 | B | B | B | B | A | A | A | A | Closed | FCRE1493 | 2026-05-04 11:59 | 2026-05-04 11:59 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Exception to waive trade-line requirement since borrower has 3 scores on Series 5. - Due Diligence Vendor-05/04/2026 | Waived-Exception to waive trade-line requirement since borrower has 3 scores on Series 5. - Due Diligence Vendor-05/04/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 28.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) 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 - 6.56 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 121.91 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 0.12 |
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 | |||||
| 674 | 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 | ||||||||||||||||||||
| 675 | 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 | ||||||||||||||||||||
| 676 | 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 | ||||||||||||||||||||
| 677 | 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 | ||||||||||||||||||||
| 678 | B | B | B | B | A | A | A | A | Closed | FCRE1440 | 2026-05-01 11:07 | 2026-05-01 11:07 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception for housing history as of xxx on primary. Transferred from ex-spouse. Owned free and clear. - Due Diligence Vendor-05/01/2026 | Waived-Exception for housing history as of May 2025 on primary. Transferred from ex-spouse. Owned free and clear. - Due Diligence Vendor-05/01/2026 |
Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 15.00 Years | DSCR Min 1.0 Subject 1.52%. Borrower owns multiple investment properties. |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx | ||||
| 678 | B | B | B | B | A | A | A | A | Closed | FCRE6019 | 2026-05-01 11:05 | 2026-05-01 11:05 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Waived-Exception needed to waive requirements for Visa. A brw's EAD status. - Due Diligence Vendor-05/01/2026 | Waived-Exception needed to waive requirements for Visa. A brw's EAD status. - Due Diligence Vendor-05/01/2026 |
Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 15.00 Years | DSCR Min 1.0 Subject 1.52%. Borrower owns multiple investment properties. |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx | ||||
| 679 | D | A | D | A | A | A | A | A | Closed | FCRE1503 | 2026-05-05 06:12 | 2026-05-13 15:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Lender provided docs from their other closing - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-05/13/2026 Counter-Unable to locate the Note, HUD 1, and first payment letter under a separate condition within this loan. please re-upload, thank you - Due Diligence Vendor-05/11/2026 Ready for Review-Rebut-no mortgage statement available. Property was owned free and clear until we just recently closed a new loan for the borrower. Note, HUD 1, and first payment letter provided under separate finding. - Buyer-05/11/2026 Open-Mortgage Statement is missing : xxx- Due Diligence Vendor-05/05/2026 |
Resolved-Lender provided docs from their other closing - Due Diligence Vendor-05/13/2026 |
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 - 13.33 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 - 14.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 123.94 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 - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 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 - 8.17 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 680 | 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 | ||||||||||||||||||||
| 681 | 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 | ||||||||||||||||||||
| 682 | 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 | ||||||||||||||||||||
| 683 | 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 | ||||||||||||||||||||
| 684 | D | A | D | A | A | A | A | A | Closed | FCRE9959 | 2026-05-04 15:11 | 2026-05-05 13:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing final closing disclosure/settlement statement/equivalent | Resolved-Signed HUD/SS/ALTA provided - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. see acknowledgement receipt by both. - Buyer-05/05/2026 Open-Alta Settlement statement (pg 9) not signed by borrower. - Due Diligence Vendor-05/04/2026 |
Resolved-Signed HUD/SS/ALTA provided - Due Diligence Vendor-05/05/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.01 Are Greater Than The Guideline Minimum Of 6 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 | ||||
| 685 | 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 | ||||||||||||||||||||
| 686 | D | A | A | A | D | A | A | A | Closed | FCOM6472 | 2026-05-06 01:26 | 2026-05-08 08:13 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Note data is missing or inaccurate | Resolved-Executed Note provided - Due Diligence Vendor-05/08/2026 Ready for Review-see attached - Buyer-05/07/2026 Open-Note is not signed by borrower. - Due Diligence Vendor-05/06/2026 |
Resolved-Executed Note provided - Due Diligence Vendor-05/08/2026 |
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 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.24% 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 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 323.87 Are Greater Than The Guideline Minimum Of 12 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 - 14.75 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 0.12 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxx | ||||
| 686 | D | A | A | A | D | A | A | A | Closed | FCOM1223 | 2026-05-06 01:50 | 2026-05-08 08:08 | 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-05/08/2026 Ready for Review-Document Uploaded. see attached.xxx - Buyer-05/07/2026 Open-The Deed of Trust is Not Executed - Due Diligence Vendor-05/06/2026 |
Resolved-The Deed of Trust is Executed - Due Diligence Vendor-05/08/2026 |
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 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.24% 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 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 323.87 Are Greater Than The Guideline Minimum Of 12 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 - 14.75 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 0.12 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxx | ||||
| 687 | 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 | ||||||||||||||||||||
| 688 | 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 | ||||||||||||||||||||
| 689 | 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 | ||||||||||||||||||||
| 690 | D | A | D | A | C | A | A | A | Closed | finding-3939 | 2026-05-08 04:47 | 2026-05-14 12:57 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved- - Due Diligence Vendor-05/14/2026 Ready for Review-Document Uploaded. see attached. - Buyer-05/12/2026 Counter-The only TRID disclosure submitted to TPR is the Initial Loan Estimate and the Final 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-05/11/2026 Ready for Review-RLE attached. - Buyer-05/08/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx and xxx. Missing Locked LE **** Locked TRID disclosure is missing. A Locked Loan Estimate or Initial Closing Disclosure (as applicable) is required to be provided to the consumer within 3 business days after loan is Locked.************Documentation provided does not contain the Locked Loan Estimate or 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-05/08/2026 Open- - Due Diligence Vendor-05/08/2026 Open- - Due Diligence Vendor-05/08/2026 |
Resolved- - Due Diligence Vendor-05/14/2026 |
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 720 By Twenty (20) or More Points 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 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.15 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 0.17 |
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 | ||||
| 690 | D | A | D | A | C | A | A | A | Closed | FCRE7497 | 2026-05-08 11:00 | 2026-05-11 09:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA statement provided - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-05/10/2026 Open-Missing HOA for xxx as stated in brr letter of explanation no HOI just HOA. - Due Diligence Vendor-05/08/2026 |
Resolved-HOA statement provided - Due Diligence Vendor-05/11/2026 |
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 720 By Twenty (20) or More Points 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 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.15 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 0.17 |
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 | ||||
| 691 | D | A | D | A | A | A | A | A | Closed | FCRE1764 | 2026-05-06 20:29 | 2026-05-11 08:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-REO documents provided - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-05/10/2026 Open-Provide missing proof of mortgage P&I for VPM recent closed loan 1st mortgage tied to other REO property located at xxx , xxx ending in xxx Per Final 1003 - Due Diligence Vendor-05/07/2026 |
Resolved-REO documents provided - Due Diligence Vendor-05/11/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.35% 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 720 By Twenty (20) or More Points 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 - 14 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 - 13.34 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.17 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 119.16 Are Greater Than The Guideline Minimum Of 6 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 | ||||
| 692 | 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 | ||||||||||||||||||||
| 693 | 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 | ||||||||||||||||||||
| 694 | D | B | C | A | A | A | D | B | Closed | FPRO1242 | 2026-05-11 07:53 | 2026-07-01 11:22 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-07/01/2026 Resolved-Original Appraisal provided (xxx) - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-05/11/2026 Open-Missing 2nd Full Appraisal from the Loan file. - Due Diligence Vendor-05/11/2026 |
Resolved-Appraisal has been provided - Due Diligence Vendor-07/01/2026 Resolved-Original Appraisal provided (xxx) - Due Diligence Vendor-05/11/2026 |
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 - 7.88 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 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 - 23 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 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.69% 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 | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | ||||
| 694 | D | B | C | A | A | A | D | B | Closed | FVAL7199 | 2026-05-26 12:09 | 2026-05-26 12:11 | Waived | 2 - Non-Material | C | B | Property | Appraisal | Appraisal Expired | Waived-Exception granted with supporting comp factors: Exception needed for One appraisal expired 10 days before loan closed. Used newer appraisal with lower value for qualifying - Due Diligence Vendor-05/26/2026 Open-One appraisal expired 10 days before loan closed. Used newer appraisal with lower value for qualifying - Due Diligence Vendor-05/26/2026 |
Waived-Exception granted with supporting comp factors: Exception needed for One appraisal expired 10 days before loan closed. Used newer appraisal with lower value for qualifying - Due Diligence Vendor-05/26/2026 |
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 - 7.88 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 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 - 23 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 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
DTI - max 50% - Subject 20% Borrowers have owned property for 4 years Business owners since 2018 Reducing current rate by almost 2% |
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 | Originator Post-Close | Yes | xxx | ||||
| 694 | D | B | C | A | A | A | D | B | Closed | FCRE1198 | 2026-05-07 14:24 | 2026-05-11 11:00 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 12.11 are greater than or equal to Guideline Required Reserves of 12 - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-05/11/2026 Counter-Document Uploaded. Apologies for the confusion, Missing xxx as of xxx @ 80% with an available balance of xxx as seen on Final 1003 - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. REBUT - Please see attached. - Buyer-05/10/2026 Open-Audited Reserves of 8.58 are less than Guideline Required Reserves of 12 - Due Diligence Vendor-05/07/2026 |
Resolved-Audited Reserves of 12.11 are greater than or equal to Guideline Required Reserves of 12 - Due Diligence Vendor-05/11/2026 |
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 - 7.88 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 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 - 23 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 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.69% 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 | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | ||||
| 695 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 696 | D | A | D | A | A | A | A | A | Closed | FCRE0363 | 2026-05-11 09:41 | 2026-05-12 16:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Final HUD-1 Document is Unexecuted | Resolved-Lender provided signed HUD-1 showing borrower bringing about another xxx to closing. Still within guidelines. - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. - Seller-05/12/2026 Open-Missing signed copy of final HUD-1, copy in file is unexecuted. - Due Diligence Vendor-05/11/2026 |
Ready for Review-Document Uploaded. - Seller-05/12/2026 |
Resolved-Lender provided signed HUD-1 showing borrower bringing about another xxxto closing. Still within guidelines. - Due Diligence Vendor-05/12/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.14 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||
| 697 | D | A | D | A | D | A | A | A | Closed | FCRE1182 | 2026-05-11 18:31 | 2026-05-13 15:59 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. - Seller-05/13/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-05/11/2026 |
Ready for Review-Document Uploaded. - Seller-05/13/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/13/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.67 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 - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 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 | |||
| 697 | D | A | D | A | D | A | A | A | Closed | FCOM1206 | 2026-05-11 17:16 | 2026-05-13 15:56 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. - Seller-05/13/2026 Open-The Note is Missing - Due Diligence Vendor-05/11/2026 |
Ready for Review-Document Uploaded. - Seller-05/13/2026 |
Resolved-The Note is Present - Due Diligence Vendor-05/13/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.67 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 - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 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 | |||
| 697 | D | A | D | A | D | A | A | A | Closed | FCOM1220 | 2026-05-11 17:20 | 2026-05-13 15:55 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. - Seller-05/13/2026 Open-The Deed of Trust is Missing and Rider's - Due Diligence Vendor-05/11/2026 |
Ready for Review-Document Uploaded. - Seller-05/13/2026 |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-05/13/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.67 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 - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 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 | |||
| 697 | D | A | D | A | D | A | A | A | Closed | FCRE8639 | 2026-05-12 13:20 | 2026-05-12 16:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-05/12/2026 Open-Personal Guaranty is Missing. Provide missing guaranty. Borrower signed as guarantor for subject Business purpose loan as member of xxx - Due Diligence Vendor-05/12/2026 |
Resolved-Personal Guaranty is Present. - Due Diligence Vendor-05/12/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.67 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 - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | |||||
| 698 | D | A | D | A | C | A | A | A | Closed | FCRE1491 | 2026-05-13 13:24 | 2026-06-17 10:11 | Resolved | 1 - Information | D | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. - Seller-06/16/2026 Counter-Document Uploaded. per Guidelines: If the Bank account is jointly held with a non-borrower parties then a written statement is required from parties that bwr has full access to use of the funds. (xxx is listed as a joint Holder on the xxx account, xxx is married to xxx per DOT/vesting) Lender guides xxx FNMA as this is a manual UW. - Due Diligence Vendor-06/04/2026 Ready for Review-As per xxx Loan Eligibility guidelines: Assets and reserves should be calculated and documented per Fannie Mae guidelines unless otherwise specified in the Guidelines. And as per Fannie Mae guidelines, there is no such requirement of access letter for jointly owned accounts with non-borrower parties. Request to provide the source documentation and guideline based on which this is required. - Seller-05/21/2026 Open-Asset Qualification Does Not Meet Guideline Requirements Provide an access letter for jointly held xxx accounts ending in xxx and xxx confirming borrower xxx has full access to and use of the funds, as required for jointly owned accounts with non-borrower parties. - Due Diligence Vendor-05/13/2026 |
Ready for Review-Document Uploaded. - Seller-06/16/2026 Ready for Review-As per xxx Loan Eligibility guidelines: Assets and reserves should be calculated and documented per Fannie Mae guidelines unless otherwise specified in the Guidelines. And as per Fannie Mae guidelines, there is no such requirement of access letter for jointly owned accounts with non-borrower parties. Request to provide the source documentation and guideline based on which this is required. - Seller-05/21/2026 |
Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-06/17/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.67 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 - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 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 | |||
| 698 | D | A | D | A | C | A | A | A | Closed | finding-3625 | 2026-05-15 11:02 | 2026-06-03 09:40 | 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 cure package with LOE, PCCD, copy of refund check, and evidence that borrower received refund. - Due Diligence Vendor-06/03/2026 Resolved- - Due Diligence Vendor-06/03/2026 Ready for Review-Document Uploaded. - Seller-06/02/2026 Counter-***Cure package is incomplete, received LOE, PCCD, and copy of refund check. Still missing proof of delivery of refund check to borrower (shipping label). - Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. - Seller-05/22/2026 Counter-***Received PCCD updated payee names for the Credit Report and Tax Service fee and with Broker Price Opinion Fee paid to the lender removed. Lender to provide explanation in relation to the BPO fee and provide a copy of the Final Settlement Statement certified by title for review. - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. - Seller-05/21/2026 Open-***** Final closing disclosures show Broker Price Opinion fee and Tax Service fee was retained by the Lender and the Credit Report fee was retained by the Broker. - Due Diligence Vendor-05/15/2026 Open- - Due Diligence Vendor-05/15/2026 Open- - Due Diligence Vendor-05/15/2026 Open- - Due Diligence Vendor-05/15/2026 |
Ready for Review-Document Uploaded. - Seller-06/02/2026 Ready for Review-Document Uploaded. - Seller-05/22/2026 Ready for Review-Document Uploaded. - Seller-05/21/2026 |
Resolved-***Received cure package with LOE, PCCD, copy of refund check, and evidence that borrower received refund. - Due Diligence Vendor-06/03/2026 |
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 - 16 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 - 5.58 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 0.06 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 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 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 | |||
| 699 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 700 | B | B | B | B | A | A | A | A | Closed | FCRE1293 | 2026-05-27 06:14 | 2026-05-27 06:14 | Waived | 2 - Non-Material | B | B | Credit | Income | Income 2 Months Income Verified is Missing | Waived-Income document for net rental income is missing from file - Due Diligence Vendor-05/27/2026 | Waived-Income document for net rental income is missing from file - Due Diligence Vendor-05/27/2026 |
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 0.03 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.76 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
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 | |||||
| 701 | 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 | ||||||||||||||||||||
| 702 | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2026-06-04 07:12 | 2026-06-09 14:18 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/09/2026 Ready for Review-Document Uploaded. - Seller-06/08/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-06/04/2026 |
Ready for Review-Document Uploaded. - Seller-06/08/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/09/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.91 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.46% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 75.66 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
1008/Underwriting Summary Not Provided | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx | ||
| 703 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |