Angel Oak Mortgage Trust I, LLC ABS-15G
Exhibit 99.2
| 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) |
| 2026H10020 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Borrower 1 CPA Letter Missing | Borrower 1 CPA Letter Missing Guidelines require a CPA letter to show proof of ownership for self employed borrowers. Please provide a CPA letter with ownership information for review. | Document Uploaded. | XXX | Borrower 1 CPA Letter Missing Missing CPA letter to show proof of ownership (only Articles of Incorporation/Cert of Organization provided). Lender approved exception to use Cert of Organization. | XXX | 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 XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | B | D | 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 | |
| 2026H10020 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | 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 XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | 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 | |||
| 2026H10020 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | 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 XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | 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 | |||
| 2026H10019 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Not within scope | Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance.; Received email - with screenshot of guidelines. XXX with a confidence rating of greater than XXX is allowed for HELOC loans. Confirmed - cleared. | XXX | 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 XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | C | A | D | A | C | A | D | A | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026H10019 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | The Final 1003 is Missing | The Final 1003 is Missing Final signed 1003 is absent from the loan file | The Final 1003 is Present; Final closing package was received. | XXX | 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 XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | C | A | D | A | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026H10019 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing Deed of Trust is missing from the loan file | The Deed of Trust is Present; Final closing package was received. | XXX | 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 XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | C | A | D | A | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026H10019 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | Right of Rescission is Missing | Right of Rescission is Missing | Right of Rescission is Provided; Final closing package was received. | XXX | 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 XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | C | A | D | A | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026H10019 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | HELOC Authorization To Pay Missing | HELOC Authorization To Pay is missing. | HELOC Authorization To Pay is present.; Final closing package was received. ; HELOC Authorization To Pay is present.; HELOC Authorization To Pay is missing. | XXX | 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 XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | D | A | D | A | C | A | D | A | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026H10019 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | 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 XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. |
D | A | A | A | D | A | C | A | D | A | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026H10021 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% 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 CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 | |||
| 2026H10021 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% 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 CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 | |||
| 2026H10021 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% 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 CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 | |||
| 2026H10022 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 | |||
| 2026H10022 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 | |||
| 2026H10022 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 | |||
| 2026H10033 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 2 residency documentation not provided or issue with documentation | Borrower 2 residency documentation not provided | Please let me know why you are requiring residency docs. The 1003 (both initial and final) indicate Borr 2 is a XXX. I don't see any alerts on the fraud report or credit either. | XXX | Re-reviewed the loan and borrower's are both XXX. No addition residency documents are required. | XXX | 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 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
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 | |
| 2026H10033 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | 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 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
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 | |||
| 2026H10033 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | 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 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
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 | |||
| 2026H10058 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Lenders 1008/CRSE is calculated incorrectly. The Interest rate should be calculated using DTI calculated at start rate plus XXX% of the maximum line over the repay period. The 1008 is also missing the principal properties tax payment and HOI payment. Please correct the 1008/CRSE and submit for review. | Document Uploaded. | XXX | Approval/Underwriting Summary is fully present; Received updated 1008/CRSE utilizing the correct payment amount for this HELOC loan. | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | B | A | B | A | A | A | C | A | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026H10058 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | HELOC Early Disclosure Is Not Within XXX Days Of Application Date | HELOC Early Disclosure Date XXX Not Provided Within XXX Days of Application Date XXX | Document Uploaded. | XXX | HELOC Early Disclosure Provided Within XXX Days of Application Date; HELOC Early Disclosure Provided Within XXX Days of Application Date; HELOC Early Disclosure Date XXX Not Provided Within XXX Days of Application Date XXX | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | C | A | B | A | A | A | C | A | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026H10058 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | A | A | B | A | A | A | C | A | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026H10058 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
C | A | A | A | B | A | A | A | C | A | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | C | B | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026H10025 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | HELOC Early Disclosure Is Not Within XXX Of Application Date | HELOC Early Disclosure Date XXX Not Provided Within XXX Days of Application Date XXX | Document Uploaded. What to know about your HELOC and HELOC important terms disclosures provided at time of application | XXX | HELOC Early Disclosure Provided Within XXX Days of Application Date; HELOC Early Disclosure Provided Within XXX Days of Application Date; HELOC Early Disclosure Date XXX Not Provided Within XXX Days of Application Date XXX | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% 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 XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
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 | |
| 2026H10025 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% 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 XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
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 | |||
| 2026H10025 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% 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 XXX% is less than Guideline LTV of XXX% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
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 | |||
| 2026H10032 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational only. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026H10032 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational only. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026H10032 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational only. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026H10027 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. HOI monthly payment on the 1008 does not match the HOI documents in the file. Please update the 1008 with the correct Monthly property insurance amount. | Document Uploaded. | XXX | Approval/Underwriting Summary is fully present | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% 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 XXX% is less than Guideline CLTV 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 | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026H10027 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% 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 XXX% is less than Guideline CLTV 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 | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026H10027 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% 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 XXX% is less than Guideline CLTV 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 | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026H10024 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | |||
| 2026H10024 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | |||
| 2026H10024 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | |||
| 2026H10031 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 | |||
| 2026H10031 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 | |||
| 2026H10031 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 | |||
| 2026H10034 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | HELOC Early Disclosure Is Not Within XXX Of Application Date | HELOC Early Disclosure Date XXX Not Provided Within XXX Days of Application Date XXX The important terms of our XXX of Credit in file is dated XXX, the file contains a disclosure tracking that shows the document was sent to the borrower but a copy is not in file. Provide the Important terms disclosure dated within XXX days of application | Document Uploaded. | XXX | HELOC Early Disclosure Provided Within XXX Days of Application Date; HELOC Early Disclosure Provided Within XXX Days of Application Date; HELOC Early Disclosure Date XXX Not Provided Within XXX Days of Application Date XXX | 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 XXX% is less than Guideline LTV 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. |
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 | |
| 2026H10034 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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 XXX% is less than Guideline LTV 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. |
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 | |||
| 2026H10034 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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 XXX% is less than Guideline LTV 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. |
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 | |||
| 2026H10029 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Compliance | HELOC Early Disclosure Is Not Within XXX Of Application Date | HELOC Early Disclosure Date XXX Not Provided Within XXX Days of Application Date XXX | Document Uploaded. | XXX | HELOC Early Disclosure Provided Within XXX Days of Application Date; HELOC Early Disclosure Provided Within XXX Days of Application Date; HELOC Early Disclosure Date XXX Not Provided Within XXX Days of Application Date XXX | 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. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
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 | |
| 2026H10029 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 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. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
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 | |||
| 2026H10029 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 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. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
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 | |||
| 2026H10023 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Lenders 1008 First Mortgage P&I does not match the original note in the file. The 1008 is also missing the HOI payment. Please send a revised 1008 for review. | Document Uploaded. Uploaded 1008 with ins included.; Document Uploaded. Uploaded 1008 - corrected 1st mtg P&I. | XXX | Approval/Underwriting Summary is fully present; Received reviewed 1008 including the insurance amount. ; Confirmed the 1st mortgage and P&I payment were corrected. The insurance amount was not included in the updated calculation. Please include and provide an updated 1008. ; Received updated 1008 correcting the 1st mortgage and P&I payment. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% 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 XXX% is less than Guideline CLTV 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 | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2026H10023 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% 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 XXX% is less than Guideline CLTV 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 | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026H10023 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% 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 XXX% is less than Guideline CLTV 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 | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026H10028 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% 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 XXX% is less than Guideline CLTV 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 |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026H10028 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% 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 XXX% is less than Guideline CLTV 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 |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026H10028 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% 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 XXX% is less than Guideline CLTV 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 |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026H10030 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026H10030 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026H10030 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026H10026 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 | |||
| 2026H10026 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 | |||
| 2026H10026 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 | |||
| 2026H10036 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser and appraisal company were not checked with the Exclusionary List. Please provide a complete Fraud Report with all the Parties that participated in the lending process. | Document Uploaded. Uploaded Fraud report with all parties checked. | XXX | All Interested Parties Checked against Exclusionary Lists; Received copy of XXX search on the appraiser and XXX were reviewed with no results. | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
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 | |
| 2026H10036 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
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 | |||
| 2026H10036 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
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 | |||
| 2026H10045 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% | Please provide the HCLTV calc. Thanks! | XXX | Audited HLTV of XXX% is less than or equal to Guideline HCLTV of XXX%; Re-reviewed the 1st lien information and updated with the balance outlined on the most recent statement. XXX is not matching with lender. Cleared. | 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 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
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 | |
| 2026H10045 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 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 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
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 | |||
| 2026H10045 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 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 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% |
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 | |||
| 2026H10037 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | ATR: Current Employment Not Verified | ATR: Current Employment Not Verified Guidelines require a verification of existence of business within XXX days of closing or after. Please provide a VOE dated XXX or after. | Document Uploaded. Uploaded SOS showing Active. | XXX | Received an updated Sec of State search conducted on XXX | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% 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 | 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 | |
| 2026H10037 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Lenders 1008/CRSE is calculating HOI and property taxes with the First mortgage P&I. Please revise the 1008/CRSE. | Document Uploaded. Updated the 1st mtg pmt to only include P&I. Uploaded 1008 and CRSE. | XXX | Approval/Underwriting Summary is fully present; Received an updated 1008/CRSE. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% 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 | A | B | 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 | |
| 2026H10037 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% 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 | 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 | |||
| 2026H10037 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% 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 | 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 | |||
| 2026H10035 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 | |||
| 2026H10035 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 | |||
| 2026H10035 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 | |||
| 2026H10038 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | 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 XXX% is less than Guideline LTV 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 | |||
| 2026H10038 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | 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 XXX% is less than Guideline LTV 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 | |||
| 2026H10038 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | 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 XXX% is less than Guideline LTV 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 | |||
| 2026H10041 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | The Final 1003 is Missing | The Final 1003 is Missing Please provide the final 1003 for review. | Document Uploaded. | XXX | The Final 1003 is Present; Final 1003 was provided. | XXX | 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 XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% 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 | |
| 2026H10041 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | 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 XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% 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 | |||
| 2026H10041 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | 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 XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% 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 | |||
| 2026H10039 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | |||
| 2026H10039 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | |||
| 2026H10039 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | |||
| 2026H10040 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 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 | |||
| 2026H10040 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 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 | |||
| 2026H10043 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | 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 CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | |||
| 2026H10043 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | 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 CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | |||
| 2026H10043 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | 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 CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | |||
| 2026H10052 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Per guidelines the Mortgage History requirement is XXX. The Angel Oak XXX day credit report reflects a XXX on HINational #XXX on XXX. The mortgage payment history does not meet the guidelines. | Document Uploaded. ; Document Uploaded. | XXX | Received an updated CRSE. Guidelines max XXX allowed. Actual XXX. Gap Credit Report dated XXX reflects XXX on XXX with XXX #XXX which exceeds max XXX allowed per guidelines. Compensating Factors : Qualifying Credit Score is XXX; DTI - XXX% (Housing) // XXX% (Total); Borr with employer for XXX years; Payment decreasing by XXX; Reserves of XXX Months; Residual Income of $XXX; Credit History - XXX - last XXX months. Acknowledged. ; Gap Credit Report dated XXX reflects XXX on XXX with HINational #XXX which exceeds max XXX allowed per guidelines. | XXX | 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. |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026H10052 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Expired | Borrower 1 Credit Report is Expired (Greater than XXX days from the Closing Date). The origination credit report in the file is dated XXX which is > XXX days from the Note date. Per Angel Oak XXX day credit report there was additional credit report obtained on XXX. Provide the credit report from XXX for updated payment history and credit scores that were used to qualify the borrower. | Document Uploaded. | XXX | Borrower 1 Credit Report is not Expired. | XXX | 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. |
C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2026H10052 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | 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. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026H10052 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | 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. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2026H10046 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | 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 XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 | |||
| 2026H10046 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | 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 XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 | |||
| 2026H10046 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | 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 XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 | |||
| 2026H10042 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The file is missing proof that the owner occupied payment of $XXX includes taxes, insurance and HOA. Provide proof the owner occupied payment of $XXX includes taxes, insurance and HOA payment. If there is not HOA payment, provide proof there is not HOA payment. | Document Uploaded. Uploaded email from UW, 1008, and proof of rent payments. Divorce decree states XXX awarded to ex-wife. However, processor cert indicates borr rents the property back from ex-wife. Proof of rent payments in file. I have updated primary housing expense to $XXX so that DTI is correct. Do not need to document taxes/ins/hoa for primary since not responsibility of borrower. | XXX | Confirmed documentation is sufficient and loan was updated. Verified the amounts; cleared. ; Received documentation showing the residence as XXX was awarded to the ex spouse and borrower rents. Re-reviewing the documentation and updating. | 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 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 | |
| 2026H10042 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The Exclusionary List does not list that the appraiser, XXX was checked. Provide a complete Exclusionary List that has all parties to this transaction checked. | Document Uploaded. Uploaded fraud report to include all parties. I ran a search on XXX for appraiser's name and please notice the hit has a different middle initial than the appraiser's. See his license for middle name XXX. | XXX | All Interested Parties Checked against Exclusionary Lists | 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 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 | |
| 2026H10042 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 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 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 | |||
| 2026H10042 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 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 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 | |||
| 2026H10049 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | 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 XXX% is less than Guideline CLTV 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 XXX% is less than Guideline LTV 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 | |||
| 2026H10049 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | 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 XXX% is less than Guideline CLTV 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 XXX% is less than Guideline LTV 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 | |||
| 2026H10049 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | 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 XXX% is less than Guideline CLTV 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 XXX% is less than Guideline LTV 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 | |||
| 2026H10047 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. Guidelines require NSF and overdraft activity to be reviewed for acceptability. The bank statements reflect XXX overdrafts which are excessive. Provide proof of acceptability for overdrafts. | Document Uploaded. | XXX | Overdraft/NSF count within tolerance. Documentation provided was sufficient.; Received an updated 1008 showing the NSF's were reviewed and loan was approved. | XXX | Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% 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 XXX% is less than Guideline LTV of XXX% |
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 | |
| 2026H10047 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% 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 XXX% is less than Guideline LTV of XXX% |
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 | |||
| 2026H10047 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% 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 XXX% is less than Guideline LTV of XXX% |
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 | |||
| 2026H10044 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 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 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | |||
| 2026H10044 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 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 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | |||
| 2026H10044 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 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 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | |||
| 2026H10050 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | XXX | 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 XXX% is less than Guideline LTV 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 | |||
| 2026H10050 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | XXX | 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 XXX% is less than Guideline LTV 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 | |||
| 2026H10050 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | XXX | 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 XXX% is less than Guideline LTV 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 | |||
| 2026H10048 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 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 XXX% is less than Guideline LTV 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. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026H10048 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 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 XXX% is less than Guideline LTV 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. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026H10048 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 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 XXX% is less than Guideline LTV 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. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026H10001 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | 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 XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI 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 | |||
| 2026H10001 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | 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 XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI 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 | |||
| 2026H10001 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). | Document Uploaded. Uploaded credit score disclosure. | XXX | XXX Credit Score Disclosure is provided. | XXX | 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 XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI 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 | |
| 2026H10051 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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% 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 | |||
| 2026H10051 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of % 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 | |||
| 2026H10051 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Borrower has stable job time - Borrower has XXX years on job. Qualifying DTI below max allowed. - Calculated DTI of % 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 | |||
| 2026H10003 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% 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 | |||
| 2026H10003 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% 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 | |||
| 2026H10003 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% 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 | |||
| 2026H10002 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | ATR: Current Employment Not Verified | XXX: Current Employment Not Verified Guidelines require a verification of existence of business within XXX days of closing or after. Please provide a VOE dated XXX or after. | Document Uploaded. Uploaded SOS. | XXX | ATR: Current Employment Was Verified | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
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 | |
| 2026H10002 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
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 | |||
| 2026H10002 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
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 | |||
| 2026H10054 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | 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 XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | |||
| 2026H10054 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | 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 XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | |||
| 2026H10054 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | 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 XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | |||
| 2026H10053 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 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 | |||
| 2026H10053 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 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 | |||
| 2026H10053 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 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 | |||
| 2026H10004 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | 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 CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | |||
| 2026H10004 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | 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 CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | |||
| 2026H10004 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | 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 CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | |||
| 2026H10055 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | 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 CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | |||
| 2026H10055 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | 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 CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | |||
| 2026H10055 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | 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 CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | |||
| 2026H10056 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | XXX Dated Prior to the Note Date, After Appraisal Date | Property located in XXX with no subsequent property Inspection. XXX in a XXX area on XXX (XXX) with incident start date of XXX and end date of XXX. Only an AVM was provided and used at time of origination. Missing Post Disaster Inspection confirming the subject did not sustain any damage. | Document Uploaded. | XXX | Property Inspection Provided. | 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 XXX% is less than Guideline LTV 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. |
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 | |
| 2026H10056 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 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 XXX% is less than Guideline LTV 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. |
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 | |||
| 2026H10056 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 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 XXX% is less than Guideline LTV 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. |
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 | |||
| 2026H10005 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | |||
| 2026H10005 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | |||
| 2026H10005 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | |||
| 2026H10057 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Cured | XXX | Compliance | Right of Rescission is Missing | Right of Rescission is Missing The Right of Rescission form is missing for both borrower and non borrowing spouse. | Document Uploaded. The right to cancel is missing from the loan file. I opened rescission and overnighting new forms to the borrower. Uploaded all docs provided to borrower. | XXX | cure package provided to the borrower; exception downgraded to a 2/B | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | D | B | D | A | A | A | D | B | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026H10057 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete The non borrowing spouse dated Mtg XXX; however, the notary date of XXX is incorrect. | Document Uploaded. Uploaded the recorded mtg - dates ok. | XXX | The Deed of Trust is Present and Complete | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | D | A | D | A | A | A | D | B | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 2026H10057 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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. Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
D | B | A | A | D | A | A | A | D | B | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 2026H10009 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The Credit Risk Summary & Exception Approval (CRSE) reflects the XXX Name is Bank Statement. The subject transaction in a Full Document loan with XXX years tax returns. Provide a corrected Credit Risk Summary & Exception Approval (CRSE) reflecting the correct matrix used. | As for the XXX, we don’t have a drop-down for XXX in the system. Our only choice now is to select the bank statement since HELOC is part of the bank statement program which allows full doc. | XXX | Approval/Underwriting Summary is fully present | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% 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 Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
C | A | B | 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 | |
| 2026H10009 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The file is missing the origination credit report. Per review scope the origination credit report debts must be used to quality the loan. Provide a copy of the origination credit report. | this is a retail loan so the cr in file is the origination credit report XXX | XXX | Borrower 1 Credit Report is not partially present. | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% 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 XXX% is less than Guideline CLTV of XXX% |
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 | |
| 2026H10009 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 2 Credit Report is Incomplete | Borrower 2 Credit Report is Partially Present. The file is missing the origination credit report. Per review scope the origination credit report debts must be used to quality the loan. Provide a copy of the origination credit report. | this is a retail loan so the cr in file is the origination credit report XXX | XXX | Borrower 2 Credit Report is not partially present. | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% 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 XXX% is less than Guideline CLTV of XXX% |
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 | |
| 2026H10009 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The Exclusionary List does not reflect that the appraiser, XXX was searched. Provide a complete Exclusionary List that has all parties to this transaction checked. | Document Uploaded. | XXX | All Interested Parties Checked against Exclusionary Lists | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% 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 XXX% is less than Guideline CLTV of XXX% |
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 | |
| 2026H10009 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% 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 XXX% is less than Guideline CLTV of XXX% |
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 | |||
| 2026H10009 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% 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 XXX% is less than Guideline CLTV of XXX% |
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 | |||
| 2026H10007 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% 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 XXX% is less than Guideline CLTV of XXX% 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 | |||
| 2026H10007 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% 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 XXX% is less than Guideline CLTV of XXX% 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 | |||
| 2026H10007 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% 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 XXX% is less than Guideline CLTV of XXX% 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 | |||
| 2026H10006 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | 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 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 | |||
| 2026H10006 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | 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 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 | |||
| 2026H10006 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | 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 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 | |||
| 2026H10013 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 XXX Party VOE Prior to Close Missing A VVOE dated XXX days prior to the note date is missing from the loan file. A CPA letter dated XXX and business search dated XXX is outside of the required XXX days prior to the note date of XXX. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 | |
| 2026H10013 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Expired | Borrower 1 Credit Report is Expired (Greater than XXX days from the Closing Date). The broker credit report for the borrower dated XXX is expired. Additionally, the credit report comparison worksheet list a credit report dated XXX used in comparison. This credit report is missing from the loan file. | Document Uploaded. | XXX | Borrower 1 Credit Report is not Expired. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 | |
| 2026H10013 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 | |||
| 2026H10013 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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. Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 | |||
| 2026H10014 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | The Note is Incomplete | The Note is Incomplete The Note reflects the subject is located in XXX, XXX. Per the XXX Note and the Title Commitment the subject is located in XXX, XXX. Provide a corrected and signed Note that reflects the correct city. | Document Uploaded. Uploaded credit line agreement (Note) with city corrected to XXX. | XXX | The Note is Present | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% 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 XXX% is less than Guideline CLTV of XXX% 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 | |
| 2026H10014 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% 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 XXX% is less than Guideline CLTV of XXX% 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 | |||
| 2026H10014 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% 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 XXX% is less than Guideline CLTV of XXX% 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 | |||
| 2026H10008 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% 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 XXX% is less than Guideline CLTV 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. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026H10008 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% 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 XXX% is less than Guideline CLTV 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. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026H10008 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% 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 XXX% is less than Guideline CLTV 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. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026H10015 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026H10015 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026H10015 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026H10012 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% 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. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026H10012 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% 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. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026H10012 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% 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. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026H10011 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Value on additional valuation shows a -XXX% of the original value. Additional documentation is required. | Document Uploaded. | XXX | Third party valuation product provided within tolerance. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | |
| 2026H10011 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | |||
| 2026H10011 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | |||
| 2026H10016 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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% 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 | |||
| 2026H10016 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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% 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 | |||
| 2026H10016 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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% 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 | |||
| 2026H10010 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The rental income for the property located at XXX XXX, which was also financed by XXX, was not included in the subject file. | Document Uploaded. ; Document Uploaded. ; Hey, OK!!!! So, just talked to the XXX. I remember what this is about. This was a concurrent loan XXX. She refinanced this one and purchased XXX as her new primary and moved out of her rental. So, the way it is in the system is correct and XXX is her primary residence so there is no rental income. Please let me know if I need to send you any further documentation. thanks |
XXX | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Subject loan and purchase of XXX XXX did not take place concurrently. Please provide owner occupancy affidavit signed by the Borrower for purchase of new property to confirm XXX XXX will be owner occupied. Thank you.; Please provide full PITIA for new primary residence located at XXX XXX. Also, in order to exclude the $XXX/mo in rent/housing payment as reflected on the final 1003, please provide executed final Closing Disclosure for new primary residence, loan #XXX, that closed concurrently with the subject transaction. DTI will be re-evaluated upon receipt. Thank you. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
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 | |
| 2026H10010 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
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 | |||
| 2026H10010 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% |
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 | |||
| 2026H10017 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 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. 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 XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | |||
| 2026H10017 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 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. 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 XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | |||
| 2026H10017 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 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. 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 XXX% is less than Guideline CLTV of XXX% Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | |||
| 2026H10018 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% 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. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026H10018 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% 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. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026H10018 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 50% 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. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2026H11620 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 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. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | |||
| 2026H11620 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 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. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | |||
| 2026H11620 | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 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. Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 |