Exhibit 99.27
| Loan Number | Seller Loan Number | Originator | Last Name | Note Date | Original Balance | State | TPR QM ATR Status | Loan Status | Exception Date | Remediation Status | Exception ID | Exception Type | Exception Category | Exceptions | Exception Rebuttal | Exception Rebuttal Date | Exception Rebuttal Response | Exception Rebuttal Response Date | Compensating Factors | Initial Overall Loan Grade | Final Overall Loan Grade | Initial Exception Grade | Final Exception Grade | Initial Credit Grade | Final Credit Grade | Initial Property Valuation Grade | Final Property Valuation Grade | Initial Compliance Grade | Final Compliance Grade | Initial Overall Grade (DBRS/Morningstar) | Initial Credit Grade (DBRS/Morningstar) | Initial Property Valuation Grade (DBRS/Morningstar) | Initial Compliance Grade (DBRS/Morningstar) | Initial Overall Grade (Fitch) | Initial Credit Grade (Fitch) | Initial Property Valuation Grade (Fitch) | Initial Compliance Grade (Fitch) | Initial Overall Grade (Kroll) | Initial Credit Grade (Kroll) | Initial Property Valuation Grade (Kroll) | Initial Compliance Grade (Kroll) | Initial Overall Grade (Moodys) | Initial Credit Grade (Moodys) | Initial Property Valuation Grade (Moodys) | Initial Compliance Grade (Moodys) | Initial Overall Grade (S&P) | Initial Credit Grade (S&P) | Initial Property Valuation Grade (S&P) | Initial Compliance Grade (S&P) | Final Overall Grade (DBRS/Morningstar) | Final Credit Grade (DBRS/Morningstar) | Final Property Grade (DBRS/Morningstar) | Final Compliance Grade (DBRS/Morningstar) | Final Overall Grade (Fitch) | Final Credit Grade (Fitch) | Final Property Grade (Fitch) | Final Compliance Grade (Fitch) | Final Overall Grade (Kroll) | Final Credit Grade (Kroll) | Final Property Grade (Kroll) | Final Compliance Grade (Kroll) | Final Overall Grade (Moodys) | Final Credit Grade (Moodys) | Final Property Grade (Moodys) | Final Compliance Grade (Moodys) | Final Overall Grade (S&P) | Final Credit Grade (S&P) | Final Property Grade (S&P) | Final Compliance Grade (S&P) |
| 25 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/14/2026 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The subject loan was approve under the XXX month bank Statement program. The Lender used income XXX Audit used income XXX based on XXX% expense ratio used on Lender income worksheet. Audit excluded XXX more in deposits for the month of XXX , XXX and XXX. XXX The DTI increased from XXX% to XXX%. Additionally, the Lender included the taxes and insurance on the subject XXX calculation. The Final 1003 reflects income of XXX for the Co-Borrower but an income worksheet was not included for that Borrower. | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | 02/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.37% is less than Guideline LTV of 70% XXX | B | B | B | A | B | B | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 25 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/13/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | HPML compliant | 01/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.37% is less than Guideline LTV of 70% XXX | B | B | A | A | B | B | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 25 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | HPML compliant | 01/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.37% is less than Guideline LTV of 70% XXX | B | B | A | A | B | B | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 25 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | HPML compliant | 01/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.37% is less than Guideline LTV of 70% XXX | B | B | A | A | B | B | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 25 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/14/2026 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 73.86% exceeds Guideline CLTV of 70% The program maximum CLTV is 70% with a FICO score of XXX The subject loan was approved with a CLTV of 73.86% | Lender exception granted | 01/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.37% is less than Guideline LTV of 70% XXX | B | B | B | B | B | B | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 25 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/14/2026 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 73.86% exceeds Guideline HCLTV of 70% The program maximum HCLTV is 70% with a FICO score of XXX The subject loan was approved with a HCLTV of 73.86% | Lender exception granted | 01/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.37% is less than Guideline LTV of 70% XXX | B | B | B | B | B | B | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 383 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/09/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | HPML compliant | 02/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.39% is less than Guideline LTV of 65% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 383 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/09/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | HPML compliant | 02/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.39% is less than Guideline LTV of 65% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 383 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/09/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | HPML compliant | 02/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.39% is less than Guideline LTV of 65% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 376 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/09/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Please provide Affiliated Business Disclosure | Document Uploaded. | 02/12/2026 | Required Affiliated Business Disclosure Documentation Provided | 02/13/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.93% is less than Guideline LTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 376 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/09/2026 | Resolved | FCRE1342 | Credit | Borrower 1 Business Bank Statements Missing | Borrower 1 Business Bank Statements Missing The file is missing the required asset Statements. Income figures are taken from the income calculation worksheet and final approval. | Document Uploaded. | 02/12/2026 | Borrower 1 Business Bank Statements Provided; Resolved. Client provided XXX bank Statements. Verified and worksheet uploaded. ; Pending review of bank Statements provided. | 02/13/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.93% is less than Guideline LTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 376 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/09/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML complaint- Appraisal requirement met This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant | 02/10/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.93% is less than Guideline LTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 376 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/09/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | HPML compliant | 02/10/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.93% is less than Guideline LTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 376 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/09/2026 | Resolved | finding-2559 | Compliance | XXX Subprime Home Loan Test | XXX related exception This loan failed the XXX Subprime Home Loan Test. (XXX) sing the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. While the XXX provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. | HPML compliant | 02/10/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.93% is less than Guideline LTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 393 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/12/2026 | Resolved | FPRO1245 | Property | Appraisal is Expired | Primary Value Appraisal is Expired Appraisal is dated as XX/XX/XXXX which is expired. Lender to provide updated appraisal report that is not showing as expired to complete the audit. | Document Uploaded. | 02/26/2026 | Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist; Updated corrected appraisal provided. | 02/26/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.13% is less than Guideline LTV of 70% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | B | C | A | C | B | C | A | C | B | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 393 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/12/2026 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). TILA 130b Cure required. Refund in the amount of XXX cure requires a valid COC or a cure package with a post closing CD, letter of explanation, proof of refund, and proof of delivery. The file is missing a valid COC to support the addition/increase of the following fees: -An Appraisal review fee of XXX was added to the revised CD dated XX/XX/XXXX. A COC dated XX/XX/XXXX (pg. XXX) reflects a reason of "Change in Loan amount and Interest rate, CDA fee was added." the COC does not provide a clear reason for the addition of the Appraisal review fee, in addition the COC was dated more than XXX days after the appraisal review was completed therefore it was not disclosed timely | Document Uploaded. ; Document Uploaded. | 02/25/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 02/25/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.13% is less than Guideline LTV of 70% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | B | C | A | C | B | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 393 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/12/2026 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Updated the HOA dues from $XXX/m to $XXX/m for the property at XXX XXX based on documentation in the loan file causing the data to go over XXX% Lender to address the income and liabilities to bring the data down below XXX% to be able to complete the audit. Noted the VA entitlements on the borrower paystubs were not grossed up lender to address. | Document Uploaded. | 02/25/2026 | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Rental worksheet provided. | 02/25/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.13% is less than Guideline LTV of 70% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | B | C | A | C | B | C | A | C | B | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 393 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/12/2026 | Resolved | FCRE1081 | Credit | XXX - B1 Gap Credit Report expired outside XXX-days prior to consummation | The Gap Credit Report pull date (XX/XX/XXXX) on the Credit Scores card, as found on the Credit Liabilities page must be inside XXX-days of consummation date (XX/XX/XXXX) on the Note Info card as found on the Note page. Please make appropriate corrections. Missing Gap Credit Report dated within XXX days of the note date to determine potential additional debts within XXX days of the note to complete the audit. Lender to provide copy Gap Credit report dated within XXX days of closing. | Document Uploaded. | 02/25/2026 | Gap Credit Report pull date is inside XXX-days of consummation date.; Credit evidence provided. | 02/25/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.13% is less than Guideline LTV of 70% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | B | C | A | C | B | C | A | C | B | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 393 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/12/2026 | Acknowledged | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Lender approved Exception. XXX to allow asset utilization as income method on a closed-end second. This is acceptable per guidelines for XXX therefore approved to deliver loan to XXX. | Lender approved Exception | 02/12/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.13% is less than Guideline LTV of 70% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | B | B | B | C | B | C | A | C | B | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |||
| 382 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/17/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Document Uploaded. | 02/20/2026 | Required Affiliated Business Disclosure Documentation Provided | 02/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.16% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.37% is less than Guideline LTV of 85% | B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 382 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 02/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.16% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.37% is less than Guideline LTV of 85% | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 382 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 02/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.16% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.37% is less than Guideline LTV of 85% | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 22 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/21/2026 | Cured | FCOM6928 | Compliance | Final CD: Non-Escrowed Property Costs over Year XXX description is missing or inaccurate | Documentation required- Provide PCCD with a box checked in the escrow account section on page XXX indicating whether the Borrower declined the escrow account or the Lender does not offer one. Cure package requires a PCCD, LOE, and proof of delivery. | Document Uploaded. | 02/26/2026 | Cure package provided to the borrower; exception downgraded to a 2/B | 03/05/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.44% is less than Guideline LTV of 85% | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 22 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/20/2026 | Resolved | finding-2962 | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. ( XXX , XXX Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX. While the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | 03/05/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.44% is less than Guideline LTV of 85% | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 22 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/20/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | 03/05/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.44% is less than Guideline LTV of 85% | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 22 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/20/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower or valid COC. The Zero tolerance violation is due to the increase of the Discount Points on the Final CD dated XX/XX/XXXX without valid COC. | Document Uploaded. | 02/24/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 02/24/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.44% is less than Guideline LTV of 85% | C | B | C | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 22 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 02/23/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.44% is less than Guideline LTV of 85% | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 22 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 02/23/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 27.44% is less than Guideline LTV of 85% | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 366 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/20/2026 | Resolved | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Homeownership Counseling Disclosure Is Missing | Document Uploaded. | 02/24/2026 | Homeownership Counseling Disclosure Is Present or XXX | 02/24/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.39% is less than Guideline LTV of 70% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.38% is less than Guideline CLTV of 70% | B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 366 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/23/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 02/23/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.39% is less than Guideline LTV of 70% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.38% is less than Guideline CLTV of 70% | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 366 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/23/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 02/23/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.39% is less than Guideline LTV of 70% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.38% is less than Guideline CLTV of 70% | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 32 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/22/2026 | Cured | FCOM6928 | Compliance | Final CD: Non-Escrowed Property Costs over Year XXX description is missing or inaccurate | Documentation required- Provide PCCD with a box checked in the escrow account section on page XXX indicating whether the Borrower declined the escrow account or the Lender does not offer one. Cure package requires a PCCD, LOE, and proof of delivery. | Document Uploaded. | 02/24/2026 | Cure package provided to the borrower; exception downgraded to a 2/B | 02/25/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.87% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.61% is less than Guideline LTV of 85% | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 32 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 02/23/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.87% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.61% is less than Guideline LTV of 85% | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 32 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/23/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 02/23/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.87% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 14.61% is less than Guideline LTV of 85% | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 36 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/26/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. | HPML compliant | 02/26/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.11% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 36 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 02/26/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.11% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 392 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/06/2026 | Resolved | FCRE1119 | Credit | Borrower 2 Deed of Trust Signature does not match Note | Borrower 2 Signature does not match Note Borrower 2 XXX signature is not present on the Deed: B2 granted property to B1 per marital settlement agreement; both parties signed the Note and are borrowers of the subject lien. B2 did not execute the Deed in file; instructions for deed prep and recording reflects B2 is not a grantee, however he signed the Note. Clarification required for final vesting to meet XXX requirements. | Document Uploaded. | 03/12/2026 | Borrower 2 Signature matches Note; Client sent in guidance regarding co-signers. Co-borrower may act as a co-signor on a primary and not take title. | 03/13/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.87% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | A | C | B | A | A | D | A | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 392 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/06/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Document Uploaded. | 03/11/2026 | Required Affiliated Business Disclosure Documentation Provided | 03/11/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.87% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | B | A | C | B | A | A | D | A | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 392 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/09/2026 | Resolved | FCOM1262 | Compliance | Right of Rescission is Missing | Right of Rescission is Missing Documentation required to clear exception: Provide executed Right of Rescission for all borrowers and non-borrowers. (Missing XXX) | Document Uploaded. | 03/11/2026 | Right of Rescission is Provided | 03/11/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.87% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | D | A | C | B | A | A | D | A | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 392 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/09/2026 | Acknowledged | FCRE1199 | Credit | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Audited Loan Amount of XXX is greater than the Guideline Maximum Loan Amount of XXX Loan Amount XXX exceeds the maximum of XXX per XXX | Document Uploaded. Product is XXX Credit scores with XXX LTV has max loan amount of XXX. | 03/10/2026 | Exception decision provided | 03/11/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.87% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | B | C | B | A | A | D | A | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 392 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/09/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 03/09/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.87% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | A | A | C | B | A | A | D | A | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 378 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/06/2026 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing | Document Uploaded. | 03/10/2026 | Borrower 1 3rd Party VOE Prior to Close Was Provided; Found VVOE on other trailing condition. Resolved; Countered - Condition remains - Borrower 1 3rd Party VOE Prior to Close Missing. Client provided XXX business narrative | 03/11/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.75% is less than Guideline LTV of 70% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 16.81% is less than Guideline CLTV of 70% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 378 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/09/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Loan approved under the XXX months bank Statement program. There were no bank Statements nor any other income docs in file. Also, there was no verification of employment provided. | Document Uploaded. | 03/10/2026 | Income and Employment Meet Guidelines; Statements provided | 03/11/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.75% is less than Guideline LTV of 70% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 16.81% is less than Guideline CLTV of 70% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 378 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/06/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 03/09/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.75% is less than Guideline LTV of 70% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 16.81% is less than Guideline CLTV of 70% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 378 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/09/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 03/09/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.75% is less than Guideline LTV of 70% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 16.81% is less than Guideline CLTV of 70% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 387 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Document Uploaded. ; Document Uploaded. | 03/23/2026 | Third party valuation product provided within tolerance.; Field review provided; Client provided XXX - Countered - Condition remains - still missing XXX | 06/24/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.47% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.22% is less than Guideline CLTV of 80% | C | A | C | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 387 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 03/09/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.47% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.22% is less than Guideline CLTV of 80% | C | A | A | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 387 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 03/09/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.47% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.22% is less than Guideline CLTV of 80% | C | A | A | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 373 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 03/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.12% is less than Guideline LTV of 65% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 373 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/19/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 03/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.12% is less than Guideline LTV of 65% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 373 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/19/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 03/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.12% is less than Guideline LTV of 65% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 364 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/19/2026 | Resolved | FCRE5775 | Credit | Borrower 2 Credit Report is Incomplete | Borrower 2 Credit Report is Partially Present. Lender guidelines States that the credit report used to evaluate a loan may not reflect a security freeze. If a borrower unfreezes his or her credit after the date the original credit report was ordered, a new XXX report will be obtained to reflect current and updated information from all repositories. Co-borrower XXX by consumer on both credit reports dated XX/XX/XXXX and XX/XX/XXXX. | Document Uploaded. ; Document Uploaded. | 04/02/2026 | Borrower 2 Credit Report is not partially present.; Report dated XX/XX/XXXX provided; Countered - Guidelines require updated report after XXX. | 04/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.05% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 364 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/19/2026 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Borrower 1 qualifying income of XXX is not supported. WVOE reflects the borrower is earning XXX . The WVOE is dated XX/XX/XXXX and current as of XX/XX/XXXX, therefore the YTD earnings only cover a XXX and is not sufficient to determine income. Prior XXX earnings are significantly less. Prior XXX average is XXX per month. Loan file does not contain any explanation for the significant increase in base earnings. The borrower does have a history of earning commission income. Audit calculated commission income using the most recent year since it is decreasing. Monthly commission is $XXX. Total audit income for B1 is $XXX. Lender guidelines requires rental income to be documented- for a refinance and/or to document rental income on other: •Lease agreement • Two months of bank Statements demonstrating receipt of rental income. • Evidence the rental amount is at market rate, which can be documented via a XXX or through an online source • XXX% of the rental amount on the lease is used for qualifying Loan file contains lease agreement for the subject property page XXX reflecting rent is XXX is XXX Using the lower amount since bank Statements were not provided. Lease agreement for XXX on page XXX for XXX Bank Statements were not provided to verify the rental income the subject or XXX . File is also missing verification of market rent for XXX . File contains a XXX reflecting rent XXX is XXX however the print out does not include a property address. Audit DTI increased to XXX% due to lower verified income for B1 and lower renal income. | Document Uploaded. | 03/30/2026 | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Explanation and evidence provided. | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.05% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 364 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/19/2026 | Resolved | FCRE1158 | Credit | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided The hazard insurance policy for the subject property is not complete. It only shows the premium and the insured property. Coverage information is not provided. The insurance page from XXX and causality is only an injury. | Document Uploaded. PROPERTY LOCATION ON POLICY PROVIDED State XXX, XXX - UPLOADED AGAIN; Document Uploaded. | 03/30/2026 | Hazard Insurance Policy is fully present; HOI uploaded; Evidence provided for incorrect property - Countered;. | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.05% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 364 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2026 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete XXX section was not completed. | Document Uploaded. | 03/31/2026 | The Final 1003 is Present; Updated provided | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.05% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 364 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 03/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.05% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 364 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 03/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.05% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 388 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 03/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.67% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 388 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 03/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.67% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 388 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 03/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 37.67% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 367 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/23/2026 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure required: Cure of XXX required for addition of appraisal fee without a valid COC. The COC provided does not give sufficient explanation for addition of the appraisal fee. Cure requires PCCD, LOE, copy of refund check, and proof of mailing. 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). | Document Uploaded. | 04/08/2026 | Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B.; Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. | 06/05/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.88% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.02% is less than Guideline LTV of 85% | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 367 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 03/24/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.88% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.02% is less than Guideline LTV of 85% | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 367 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 03/24/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.88% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.02% is less than Guideline LTV of 85% | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 385 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2026 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. Unable to locate valuation documentation in file. A property Condition Inspection report and AVM with XXX% Confidence Factor required or full appraisal. DSCR requires C3 condition rating with XXX/XXX. | Document Uploaded. | 03/31/2026 | Appraisal is Present or is Waived | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.97% is less than Guideline LTV of 65% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 27.75% is less than Guideline CLTV of 65% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 385 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Document Uploaded. CDA uploaded for review; Document Uploaded. ; Document Uploaded. | 04/15/2026 | Third party valuation product provided within tolerance.; TPV provided; ; Countered - same UCDP sent reflecting analysis not performed. Missing TPV. ; Appraisal and UCDP provided - FNMA UCDP not performed - Missing TPV - Countered. | 04/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.97% is less than Guideline LTV of 65% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 27.75% is less than Guideline CLTV of 65% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 385 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 03/26/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.97% is less than Guideline LTV of 65% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 27.75% is less than Guideline CLTV of 65% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 385 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/26/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 03/26/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 8.97% is less than Guideline LTV of 65% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 27.75% is less than Guideline CLTV of 65% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 381 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The signed consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 04/08/2026 | Evidence of eConsent is provided. The eSigned documents consent is missing. | 04/10/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.76% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.57% is less than Guideline LTV of 85% | D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 381 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FCRE1164 | Credit | Flood Insurance Policy Missing | Missing Flood Insurance Policy Missing Flood Insurance Policy | Document Uploaded. | 04/08/2026 | Flood Insurance Policy is fully present; Flood provided | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.76% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.57% is less than Guideline LTV of 85% | D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 381 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FCRE1157 | Credit | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy Missing Hazard Insurance Policy | Document Uploaded. | 04/08/2026 | Hazard Insurance Policy is fully present; HOI provided | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.76% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.57% is less than Guideline LTV of 85% | D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 381 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX Score XXX. | Document Uploaded. | 04/08/2026 | Third party valuation product provided within tolerance.; CDA provided | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.76% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.57% is less than Guideline LTV of 85% | D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 363 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Supervisory appraiser (XXX) has not been checked against the exclusionary lists. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | 04/13/2026 | All Interested Parties Checked against Exclusionary Lists; Party checked - Update provided. ; Countered - Evidence provided does not clear condition. | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.91% is less than Guideline CLTV of 80% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 363 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. XXX/loan approval not provided in the file. | Document Uploaded. | 04/03/2026 | Approval/Underwriting Summary is fully present; XXX provided | 04/03/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.91% is less than Guideline CLTV of 80% | D | A | B | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 363 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FCOM1229 | Credit | 1-4 Family Rider is Missing | 1-4 Family Rider is Missing. Missing 1-4 Family Rider. | Document Uploaded. | 04/03/2026 | XX/XX/XXXX Rider provided | 04/03/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.91% is less than Guideline CLTV of 80% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 363 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The XXX contains conflicting instructions regarding income calculation for the P&L Plus XXX Months Bank Statement Program. The XXX requires a XXX-month XXX preparer-prepared P&L, while the file contains only a XXX-month P&L. Additionally, the XXX identifies this as a P&L program supported by XXX months of bank Statements, implying that P&L should be used to determine qualifying income. However, the income calculation section instructs that qualifying income be calculated by determining total deposits per bank Statements (minus any disallowed deposits) multiplied by the expense percentage and divided by XXX months, which is not operationally feasible because the program does not require XXX months of bank Statements and contradicts the structure of a P&L-based program. Please clarify whether this program requires a full XXX months of P&L, as most P&L programs allow XX/XX/XXXX months, and how income is intended to be calculated given the conflicting instructions. | XXX months P&L verified allowed per guidelines.; Income and Employment Meet Guidelines | 04/02/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.91% is less than Guideline CLTV of 80% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 363 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/01/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.91% is less than Guideline CLTV of 80% | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 370 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/06/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/07/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.79% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 370 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/06/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/07/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.79% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 370 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/07/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.79% is less than Guideline LTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 362 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | FCOM5454 | Credit | Non-Subject Note Missing | Missing a copy of the existing note for the XXXX or a copy of the Mortgage Statement to verify Principal and interest payment for the XXXX. | Document Uploaded. | 04/13/2026 | ; Note received. | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.02% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% | D | B | D | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 362 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Cured | finding-788 | Compliance | XXX High Cost Home Loan Points and Fees Threshold Test | This loan failed the points and fees threshold test due to one of the following findings: ( XXX(e)(XXX)(iii) he total points and fees, as defined in the legislation, exceed XXX% of the total loan amount, as defined in the legislation, if the total loan amount is XXX or more. The total points and fees exceed XXX% of the total loan amount if the total loan amount is XXX or more and the loan is a purchase money loan guaranteed by the XXX. The total points and fees exceed the greater of XXX% of the total loan amount or XXX if the total loan amount is less than XXX Cure required: Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. The following fees were included in the calculation: Application Fee paid by Borrower: XXX Flood Certification - Single Charge or Life of Loan paid by Borrower: XXX Loan Origination Fee paid by Borrower: XXX Points - Loan Discount Fee paid by Borrower: XXX Recording Service Fee paid by Borrower: XXX Settlement or Closing Fee paid by Borrower: XXX Settlement or Closing Fee paid by Borrower: XXX Tax Service Fee paid by Borrower: XXX Title Update Fee paid by Borrower: XXX | Document Uploaded. ; Document Uploaded. | 04/16/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Non QM is not excluded from XXX, Updated amount of correction to $XXX.XXX file shows the amount included only XXX in loan origination fee, however the amount on the XXX paid by the borrower is XXX | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.02% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% | D | B | C | B | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 362 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | finding-2559 | Compliance | XXX Subprime Home Loan Test | This loan failed the XXX Subprime Home Loan Test. (XXX) sing the greater of the disclosed APR and the fully indexed rate, the loan is a XXX, as defined in the legislation. While the XXX provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. Subprime legend on the face of the note and XXX Counseling list on page XXX | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.02% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% | D | B | A | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 362 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant and allowed per lender guidelines, therefore downgraded to grade A. | HPML Compliant | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.02% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% | D | B | A | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 362 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Cured | finding-671 | Compliance | XXX High Cost Home Loan Points and Fees Threshold Test | This loan failed the points and fees threshold test due to one of the following findings: (XXX §1, XXX-L (XXX)(g)(ii) he total points and fees (as defined in XXX) exceed XXX of the total loan amount (as defined in XXX) if the total loan amount isXXX or more. The total points and fees exceed XXX of the total loan amount if the total loan amount is XXX or more and the loan is a purchase money loan guaranteed by theXXX. The total points and fees exceed the greater of XXX of the total loan amount orXXX, if the total loan amount is less thanXXX. Cure required: Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. The following fees were included in the calculation: Application Fee paid by Borrower: XXX Flood Certification - Single Charge or Life of Loan paid by Borrower: XXX Loan Origination Fee paid by Borrower: XXX Points - Loan Discount Fee paid by Borrower: XXX Recording Service Fee paid by Borrower: XXX Settlement or Closing Fee paid by Borrower: XXX Settlement or Closing Fee paid by Borrower: XXX Tax Service Fee paid by Borrower: XXX Title Update Fee paid by Borrower: XXX | Document Uploaded. ; Document Uploaded. | 04/16/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Non QM is not excluded from XXX, Updated amount of correction to $XXX.XXX provided in file shows the amount included only XXX in loan origination fee, however the amount on the CD paid by the borrower is XXX | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.02% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% | D | B | C | B | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 362 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Third Party Fraud Report Missing | Document Uploaded. | 04/14/2026 | Third Party Fraud Report is provided; Fraud report provided | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.02% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% | D | B | D | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 362 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/10/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.02% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% | D | B | A | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 368 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Audit disagrees with lender income calculator for B1 wage earner. Lender used incorrect pay frequency of XXX with a monthly income $XXX. WVOE and paystubs show borrower is paid Semi-Monthly. B1 Wages: Using recent paystubs XXX base XXX X XXX / XXX = XXX per month. Base supported by YTD pay. | Document Uploaded. Updated income using the correct wage salary of XXX per month and included XXX% of the ADU rental income that is on the XXX (XXX + XXX x.XXX) the updated DTI is XXX Please share attachments with due diligence firm thank you | 04/21/2026 | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.94% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.84% is less than Guideline LTV of 80% | C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 368 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The signed consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 04/20/2026 | Evidence of eConsent is provided. | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.94% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.84% is less than Guideline LTV of 80% | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 368 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.94% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.84% is less than Guideline LTV of 80% | C | A | A | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 377 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The signed consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 04/20/2026 | Evidence of eConsent is provided. | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.67% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.74% is less than Guideline CLTV of 85% | B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 377 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.67% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.74% is less than Guideline CLTV of 85% | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 377 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.67% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.74% is less than Guideline CLTV of 85% | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 369 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The signed consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 04/20/2026 | Evidence of eConsent is provided. | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.66% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 369 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.66% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 369 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.66% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 372 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX on CD XX/XX/XXXX. | Document Uploaded. | 04/20/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.36% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.33% is less than Guideline LTV of 70% | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 372 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The signed consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 04/20/2026 | Evidence of eConsent is provided. | 04/21/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.36% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.33% is less than Guideline LTV of 70% | C | A | B | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 372 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.36% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.33% is less than Guideline LTV of 70% | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 372 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.36% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.33% is less than Guideline LTV of 70% | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 365 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | FCOM1208 | Credit | The Note is Incomplete | The Note is Incomplete The final CD and the Loan Details report both reflect a XXX. There was no XXX addendum provided. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | 04/28/2026 | The Note is Present; Prepayment Addendum provided. ; Counter: Per the final CD the XXX is XXX as XXX if you pay off the loan during the first XXX Years, however these terms are not reflected on the Note. Please provide the Prepayment Note Addendum that reflects those terms. ; Rebuttal: A copy of the note was uploaded. PPP terms were not on the note. | 06/04/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.86% is less than Guideline LTV of 80% | D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 365 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Acknowledged | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). | Document Uploaded. ; Document Uploaded. Please confirm the loan amount on this loan is XXX coverage is XXX with XXX% replacement cost, this is more than required amount. | 04/21/2026 | Lender uploaded Mortgage Statement. Requested Exception: Response: The difference is only XXX and they are using the balance on the XXXX in March. I am sure the borrower has paid the April payment and then the principal balance would be lower by XXX No Compensating factors mentioned. ; Rebuttal: Loan amount is XXX XXXX is XXX for a total of $XXX. Hazard coverage amount is only XXX | 04/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.86% is less than Guideline LTV of 80% | D | B | C | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 365 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.86% is less than Guideline LTV of 80% | D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 365 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.86% is less than Guideline LTV of 80% | D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 384 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.16% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.59% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 384 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.16% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.59% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 386 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 41.23% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 386 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 41.23% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 386 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 41.23% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 398 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/21/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 17.85% is less than Guideline LTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 400 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/22/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.72% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 400 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/22/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.72% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 400 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/23/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.72% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 371 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/23/2026 | Resolved | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Per the XXX, the monthly principal and interest payment is XXX per months. However, the XXX in file reflects a monthly payment of XXX per months. causing a significant difference in ratios from XXX% / XXX% per the XXX and XXX% / XXX% using the monthly principal and interest payment of XXX per months. Please provide clarification and/or supporting documentation for the difference. | Document Uploaded. ; Document Uploaded. The system is incorrect the correct payment is XXX but for some reason it is in the system XXX (XXX =XXX) will have file updated; Document Uploaded. | 04/30/2026 | Approval/Underwriting Summary is fully present; Explanation and evidence provided. Resolved. ; XXX provided is the same as the one in file. It reflects a subordinate lien payment of $XXX. The subject loan payment is $XXX. Need corrected XXX or explanation of the XXX payment. Exception remains. | 04/30/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.95% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.51% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | B | A | B | A | B | A | A | A | B | A | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 371 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/24/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The signed consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 04/28/2026 | Evidence of eConsent is provided. | 04/29/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.95% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.51% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | B | A | B | A | B | A | A | A | B | A | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 371 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/23/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/24/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.95% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.51% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | B | A | A | A | B | A | A | A | B | A | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 389 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/23/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/23/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.11% is less than Guideline LTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.19% is less than Guideline CLTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 389 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/23/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 04/23/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.11% is less than Guideline LTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.19% is less than Guideline CLTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 389 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/23/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/23/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 9.11% is less than Guideline LTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.19% is less than Guideline CLTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 399 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/29/2026 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the addition for the XXX fee XXX on the final CD dated XX/XX/XXXX without a valid reason. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). | Document Uploaded. ; Document Uploaded. | 05/06/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; The COC didn't provide a valid reason for the addition of the fee. Provide clarification, what new information was provided not known at the time of the application. The loan was originated in XXX; No COC was provided for the addition of theXXX, XXX review fee. ; | 06/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.64% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.43% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 399 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/29/2026 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either's First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or "In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orthel initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction The creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(I) no later than three business days before consummation. | Document Uploaded. | 05/05/2026 | Initial CD provided; exception resolved; Initial CD provided; exception resolved | 05/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.64% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.43% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 399 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/29/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The signed consent disclosure is missing. The signed documents consent is missing. Provide e-signature dated on or before XX/XX/XXXX. | Document Uploaded. | 05/05/2026 | Evidence of eConsent is provided. | 05/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.64% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.43% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | C | B | B | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 399 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.64% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.43% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 399 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.64% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.43% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 410 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/01/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 05/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.25% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 410 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/04/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.25% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 410 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/04/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.25% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 405 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/01/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/05/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.81% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.58% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 405 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/01/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/05/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.81% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.58% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 405 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/05/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 05/05/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.81% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.58% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 395 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/11/2026 | Cured | FCOM6928 | Compliance | Final CD: Non-Escrowed Property Costs over Year XXX description is missing or inaccurate | Documentation required- Provide PCCD with a box checked in the escrow account section on page XXX indicating whether the Borrower declined the escrow account or the Lender does not offer one. Cure package requires a PCCD, LOE, and proof of delivery. | Document Uploaded. ; Document Uploaded. | 05/15/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; CD provided did not resolve the issue. On Page XXX of the CD the box was selected that advised the borrower will not have an escrow account. However there are XXX boxes next, of one of those options should have been selected (either that the borrower declined an escrow account, or the lender does not offer one). To correct this issue a PCCD with the correct boxes checked, LOE, and proof of delivery are required. | 05/18/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.9% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.7% is less than Guideline LTV of 85% | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 395 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/08/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The signed consent disclosure is missing. Documentation required - 1st e-signed document in the file is dated XXX/XXX, however missing proof of e-consent dated XX/XX/XXXX or before | Document Uploaded. | 05/13/2026 | Evidence of eConsent is provided. | 05/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.9% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.7% is less than Guideline LTV of 85% | C | B | B | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 395 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/11/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.9% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.7% is less than Guideline LTV of 85% | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 395 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 05/11/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.9% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.7% is less than Guideline LTV of 85% | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 401 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/11/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/11/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.14% is less than Guideline LTV of 70% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 401 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/11/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/11/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 16.14% is less than Guideline LTV of 70% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 391 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/11/2026 | Cured | FCOM6928 | Compliance | Final CD: Non-Escrowed Property Costs over Year XXX description is missing or inaccurate | Documentation required- Provide PCCD with a box checked in the escrow account section on page XXX indicating whether the Borrower declined the escrow account or the Lender does not offer one. Cure package requires a PCCD, LOE, and proof of delivery. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | 05/15/2026 | Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B.; Documentation attached is the final CD which does not indicate if the escrow account was declined or lender did not offer one. Provide PCCD with a box checked in the escrow account section on page XXX indicating whether the Borrower declined the escrow account or the Lender does not offer one. Cure package requires a PCCD, LOE, and proof of delivery. | 05/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.75% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.4% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | C | B | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 391 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/11/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The signed consent disclosure is missing. The signed documents consent is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 05/13/2026 | Evidence of eConsent is provided. | 05/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.75% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.4% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | B | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 391 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/08/2026 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing. Missing VOE within XXX days of closing per guidelines. | Document Uploaded. | 05/13/2026 | Borrower 1 3rd Party VOE Prior to Close Was Provided.; Online evidence and explanation provided for XXX borrower. | 05/14/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.75% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.4% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | D | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 391 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/08/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 05/11/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.75% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.4% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | A | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 397 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/11/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The signed consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 05/13/2026 | E consent provided, exception resolved; Evidence of eConsent is provided. | 05/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20% is less than Guideline LTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 397 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/11/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/13/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20% is less than Guideline LTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 397 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/11/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/13/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20% is less than Guideline LTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 408 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/12/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.71% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 408 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 05/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.71% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 651 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.4% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.38% is less than Guideline CLTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 651 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.4% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.38% is less than Guideline CLTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 651 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 05/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.4% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.38% is less than Guideline CLTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 657 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/18/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.28% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.68% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 657 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/14/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/18/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.28% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.68% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 657 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 05/18/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.28% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.68% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 402 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.18% is less than Guideline LTV of 65% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 402 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.18% is less than Guideline LTV of 65% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 402 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/18/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 05/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.18% is less than Guideline LTV of 65% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 375 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/18/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.38% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.36% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 375 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/18/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.38% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.36% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 375 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/18/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 05/18/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.38% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 11.36% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 404 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/19/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.39% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.6% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 404 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/19/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.39% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.6% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 404 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/21/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 05/22/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.39% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.6% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 379 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/20/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Document Uploaded. | 05/26/2026 | Required Affiliated Business Disclosure Documentation Provided. | 05/27/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.58% is less than Guideline LTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.17% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 379 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.58% is less than Guideline LTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.17% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 379 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.58% is less than Guideline LTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.17% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 653 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/21/2026 | Cured | FCOM6928 | Compliance | Final CD: Non-Escrowed Property Costs over Year XXX description is missing or inaccurate | Documentation required- Provide PCCD with a box checked in the escrow account section on page XXX indicating whether the Borrower declined the escrow account or the Lender does not offer one. Cure package requires a PCCD, LOE, and proof of delivery. | Document Uploaded. | 05/27/2026 | Cure package provided to the borrower; exception downgraded to a 2/B | 05/28/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.73% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.6% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 653 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/21/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.73% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.6% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 653 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/21/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.73% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 7.6% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 667 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/26/2026 | Resolved | FPRO1136 | Property | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis Supporting documentation (1004D) is missing. | Document Uploaded. page XXX-XXX 1004D | 05/27/2026 | Primary Value Subject Property Appraisal is completed on an As-Is Basis or XXX; Completion report and appraisal provided. | 05/28/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.93% is less than Guideline LTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 667 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/26/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/26/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.93% is less than Guideline LTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | A | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 667 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/26/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 05/26/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.93% is less than Guideline LTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | A | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 406 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.09% is less than Guideline LTV of 70% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 406 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.09% is less than Guideline LTV of 70% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 406 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 05/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.09% is less than Guideline LTV of 70% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 403 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 05/29/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.32% is less than Guideline LTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 403 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/28/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/29/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.32% is less than Guideline LTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 403 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/28/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/29/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.32% is less than Guideline LTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 652 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/04/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.1% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.8% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 652 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/03/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/04/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.1% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.8% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 652 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/03/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/04/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.1% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.8% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 407 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/05/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.9% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.06% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 407 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/05/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.9% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 18.06% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 380 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/05/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The signed consent disclosure is missing. Documentation required: First e-signed document in the file is dated XX/XX/XXXX;however, the file is missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. E-consent was present with initial disclosures. Re-attached. | 06/15/2026 | Evidence of eConsent is provided. | 06/16/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.51% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 380 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/05/2026 | Resolved | finding-2962 | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. ( XXX , XXX Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX. While the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML requirements met. | HPML Compliant | 06/05/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.51% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 380 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/05/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML requirements met. | HPML Compliant | 06/05/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.51% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 380 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/05/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/05/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.51% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 409 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.07% is less than Guideline LTV of 70% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 409 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.07% is less than Guideline LTV of 70% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 409 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.07% is less than Guideline LTV of 70% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 396 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/18/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.55% is less than Guideline LTV of 65% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 396 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/18/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/18/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.55% is less than Guideline LTV of 65% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 396 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/18/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/18/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.55% is less than Guideline LTV of 65% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 723 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/22/2026 | Cured | FCOM6928 | Compliance | Final CD: Non-Escrowed Property Costs over Year XXX description is missing or inaccurate | Documentation required-Provide PCCD with a box checked in the escrow account section on page XXX indicating whether the Borrower declined the escrow account or the Lender does not offer one. Cure Package requires a PCCD, LOE and proof of delivery. | Document Uploaded. | 06/02/2026 | Cure package provided to the borrower; exception downgraded to a 2/B | 06/03/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.77% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 723 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/22/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 05/26/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.77% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 723 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/22/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 05/26/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.77% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 731 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/29/2026 | Cured | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX on the post-consummation CD dated XX/XX/XXXX. | Document Uploaded. ; Document Uploaded. partial XXX of documents for the borrower. No CURE is needed. See documents attached.; Document Uploaded. COC uploaded. | 06/22/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; After reviewing with management they determined if the note was not redrawn/reissued, the consummation date and date the consumer became legally obligated to the loan – which would be considered the consummation date per TILA, remains XX/XX/XXXX. As a result the CD issued XX/XX/XXXX would be considered PCCD and per CFPB; The increase was not disclosed to the borrower until after consummation. PCCDs will not be permitted to XXX fee tolerance amounts despite occurrence of a valid changed circumstance (see example in Comment XXX(f)(XXX)(iii)-XXX(ii)). Cure required; The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX on the post-consummation CD dated XX/XX/XXXX. A PCCD cannot re-baseline lender credits even with a valid reason on the COC. A cure is required | 06/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.71% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.19% is less than Guideline CLTV of 80% | C | B | C | B | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 731 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/27/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The bank Statement for the month of XXX for the XXX Account #XXX is missing from the loan file. Please provide. | Document Uploaded. | 06/02/2026 | Income and Employment Meet Guidelines; XXX for the XXX Account #XXX provided. | 06/03/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.71% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.19% is less than Guideline CLTV of 80% | C | B | C | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 731 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/27/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/29/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 15.71% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.19% is less than Guideline CLTV of 80% | C | B | A | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 724 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/28/2026 | Cured | FCOM6928 | Compliance | Final CD: Non-Escrowed Property Costs over Year XXX description is missing or inaccurate | Documentation required- Provide PCCD with a box checked in the escrow account section on page XXX indicating whether the Borrower declined the escrow account or the Lender does not offer one. Cure package requires a PCCD, LOE and proof of delivery. | Document Uploaded. | 06/01/2026 | Cure package provided to the borrower; exception downgraded to a 2/B | 06/02/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.09% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 724 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/28/2026 | Resolved | finding-2962 | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. ( XXX , XXX Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX. While the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | 05/29/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.09% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | C | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 724 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/28/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | 05/29/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.09% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | C | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 724 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/27/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 05/29/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.09% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 724 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/29/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 13.09% is less than Guideline LTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 726 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 06/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.78% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.48% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 726 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 06/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.78% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.48% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 726 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.78% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.48% is less than Guideline LTV of 90% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 733 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/10/2026 | Cured | FCOM6928 | Compliance | Final CD: Non-Escrowed Property Costs over Year XXX description is missing or inaccurate | Documentation required- Provide PCCD with a box checked in the escrow account section on page XXX indicating whether the Borrower declined the escrow account or the Lender does not offer one. Cure package requires a PCCD, LOE, and proof of delivery. | Document Uploaded. | 06/12/2026 | Cure package provided to the borrower; exception downgraded to a 2/B | 06/15/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.39% is less than Guideline LTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 733 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/10/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 06/10/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.39% is less than Guideline LTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 733 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/10/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 06/10/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 24.39% is less than Guideline LTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 728 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/10/2026 | Cured | FCOM1274 | Compliance | Escrow Waiver is Missing | Escrow Waiver is Missing. Documentation required- Provide PCCD with a box checked in the escrow account section on page XXX indicating whether the Borrower declined the escrow account or the Lender does not offer one. Cure package requires a PCCD, LOE, and proof of delivery. | Document Uploaded. | 06/17/2026 | Cure package provided to the borrower; exception downgraded to a 2/B | 06/18/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.8% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | D | B | D | B | A | A | A | A | D | B | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 728 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/08/2026 | Resolved | finding-47 | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-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) he funding date is before the third business day following consummation. The consumer may exercise the right to rescind until XXX 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. Documentation Required: The disbursement date of XX/XX/XXXX is before the cancel by date on the XXX listed as XX/XX/XXXX. Proof of actual disbursement date is required to resolve or a cure package requires PCCD, LOE, new ROR providing XXX days right to cancel. | PCCD with updated disbursement date provided; exception resolved; PCCD with updated disbursement date provided; exception resolved | 06/18/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.8% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | A | A | A | A | A | D | B | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 728 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/10/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 06/10/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.8% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | D | B | A | A | A | A | A | A | D | B | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 728 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/10/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 06/10/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.8% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | D | B | A | A | A | A | A | A | D | B | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 742 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/10/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines. Missing PITI evidence for XXX. Missing escrow evidence for XXX XXX. Also, missing evidence of HOA or LOX for no HOA on REO properties. | Document Uploaded. | 06/19/2026 | Documentation provided is sufficient. Exception resolved.; Income and Employment Meet Guidelines. | 06/22/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Overall income calculated higher than lender. Conservative. | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.15% is less than Guideline LTV of 75% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 742 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. Transaction meets XXX guidelines. Transaction is a cash out refinance of investment property. Transaction is exempt from TRID/QM. According to the XXX letter on page XXX no part of the proceeds of the loan will be used for consumer purpose (no personal use found that was rolled into the loan). | Informational Only | 06/10/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Overall income calculated higher than lender. Conservative. | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.15% is less than Guideline LTV of 75% | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 742 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/10/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 06/10/2026 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Overall income calculated higher than lender. Conservative. | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.15% is less than Guideline LTV of 75% | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 745 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/10/2026 | Cured | FCOM6928 | Compliance | Final CD: Non-Escrowed Property Costs over Year XXX description is missing or inaccurate | Documentation required. Provide PCCD with a box checked in the escrow account section on page XXX indicating whether the borrower declined the escrow account or the lender does not offer one. Cure package requires a PCCD, LOE and Proof of Delivery. | Document Uploaded. XXX will not have escrow account. Only XXX have escrow account. | 06/11/2026 | Cure package provided to the borrower; exception downgraded to a 2/B | 06/15/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.78% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 745 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/10/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 06/10/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.78% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 745 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/10/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 06/10/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.78% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 750 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/11/2026 | Cured | FCOM6529 | Compliance | Final CD: Escrowed Property Costs over Year XXX description is missing or inaccurate | Documentation required- Provide PCCD with a box checked in the escrow account section on page XXX indicating whether the Borrower declined the escrow account or the Lender does not offer one. Cure package requires a PCCD, LOE, and proof of delivery. | Document Uploaded. | 06/16/2026 | Cure package provided to the borrower; exception downgraded to a 2/B | 06/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.24% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 750 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/12/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.24% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 750 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/12/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 19.24% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 729 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/11/2026 | Cured | FCOM1274 | Compliance | Escrow Waiver is Missing | Escrow Waiver is Missing. Documentation required- Provide PCCD with a box checked in the escrow account section on page XXX indicating whether the Borrower declined the escrow account or the Lender does not offer one. Cure package requires a PCCD, LOE, and proof of delivery. | Document Uploaded. | 06/12/2026 | Cure package provided to the borrower; exception resolved to a 2/B | 06/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.81% is less than Guideline LTV of 85% | D | B | D | B | A | A | A | A | D | B | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 729 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/11/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/11/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.81% is less than Guideline LTV of 85% | D | B | A | A | A | A | A | A | D | B | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 729 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/11/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/11/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 23.81% is less than Guideline LTV of 85% | D | B | A | A | A | A | A | A | D | B | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 748 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/19/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.57% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.85% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 748 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/18/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/19/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.57% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.85% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 748 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/18/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/19/2026 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.57% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.85% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |