Exhibit 99.03 Schedule 3
| Loan ID | Seller Loan ID | Investor Loan ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| 6000083508 | C | B | C | A | B | B | A | A | Closed | FCRE1198 | 2022-08-05 14:43 | 2022-08-07 21:40 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-*short reserves: per guides a variance may be allowed
but never less than 3 months less than program requirements. Short .52
reserves - Due Diligence
Vendor-08/08/2022 Ready for Review-The 1008 provided in the initial shipping package page 737 denotes the following "**short reserves: per guides a variance may be allowed but never less than 3 months less than program requirements. Short .52 reserves due to revolving debt to be paid off and additional funds needed for prepaid interest at closing. Compensating Factors, Borrower's mortgage payment history goes back 40 mnths with 0x30 and residual income of xxx. Borrower also sold departing residence.**". The variance is permissible as per section 11.4 of the guidelines, last bullet point which denotes the following "A variance may be allowed but never less than 3 months less than program requirements with underwriter justification and compensating factors". - Buyer-08/05/2022 Open- - Due Diligence Vendor-08/05/2022 |
Resolved-*short reserves: per guides a variance may be allowed
but never less than 3 months less than program requirements. Short .52
reserves - Due Diligence
Vendor-08/08/2022 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.84 Years | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | |||||
| 6000083508 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2022-08-05 15:06 | 2022-08-05 15:06 | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing ****Privacy Fact Sheet names non-settlement provider affiliate as defined by client; SSPL does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure. - Due Diligence Vendor-08/05/2022 | Acknowledged-Required Affiliated Business Disclosure Missing
****Privacy Fact Sheet names non-settlement provider affiliate as defined by
client; SSPL does not reflect that a referral was made to an affiliate. Due
to these items, lender opted not to provide Affiliated Business Disclosure. -
Due Diligence Vendor-08/05/2022 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.84 Years | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | No | xxxxx | |||||
| 4000077268 | D | A | D | A | D | A | A | A | Closed | FVAL1310 | 2025-06-20 09:30 | 2025-06-27 14:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence
Vendor-06/27/2025 Ready for Review-CPM approval - Due Diligence Vendor-06/26/2025 Open-HOA Questionnaire Document status is Missing. HOA Questionnaire Documents is Missing - subject property at xxx - Due Diligence Vendor-06/20/2025 |
Resolved-HOA Questionnaire is Provided - Due Diligence
Vendor-06/27/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 34.02% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.67 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 541.96 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000077268 | D | A | D | A | D | A | A | A | Closed | FCOM8844 | 2025-06-20 17:05 | 2025-06-23 09:15 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Resolved-Business Purpose Disclosure or letter from borrower is
Present. - Due Diligence Vendor-06/23/2025 Open-Loan agreement/ term sheet is missing, loan signed under LLC and subject property is a business purpose investment loan - Due Diligence Vendor-06/20/2025 |
Resolved-Business Purpose Disclosure or letter from borrower is
Present. - Due Diligence Vendor-06/23/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 34.02% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.67 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 541.96 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | |||||
| 4000077721 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 4000091037 | D | A | D | A | A | A | A | A | Closed | FCRE5790 | 2025-09-04 11:31 | 2025-09-05 14:07 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due
Diligence Vendor-09/05/2025 Ready for Review-Document Uploaded. - Seller-09/04/2025 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). The gap credit report or soft-pull is to be dated within 10 days of the loan closing date. Gap date xxx loan closed xxx - Due Diligence Vendor-09/04/2025 |
Ready for Review-Document Uploaded. - Seller-09/04/2025 |
Resolved-Borrower 1 Gap Credit Report is not expired. - Due
Diligence Vendor-09/05/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 19.05% Is Less Than The Guideline
Maximum Of 45% By Five Percent (5%) Or More Calculated DTI Of 19.05% Is Less
Than The Guideline Maximum Of 45% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 102.74 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 102.74 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.08 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.08 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.64 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.64 Years |
UDM REPORT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxxxx | |||
| 4000091037 | D | A | D | A | A | A | A | A | Closed | FCRE1193 | 2025-09-04 14:21 | 2025-09-05 14:07 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Corrected 1008 provided. - Due Diligence Vendor-09/05/2025 Ready for Review-Document Uploaded. Am Ex payment has been removed… See the 1008 with the corrected DTI. - Seller-09/04/2025 Open-Lender DTI 35.32% vs Audit DTI 19.05% - discrepancy due to client used the xxx 30 day account as a payment - Due Diligence Vendor-09/04/2025 |
Ready for Review-Document Uploaded. Am Ex payment has been
removed… See the 1008 with the corrected DTI. - Seller-09/04/2025 |
Resolved-Corrected 1008 provided. - Due Diligence Vendor-09/05/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 19.05% Is Less Than The Guideline
Maximum Of 45% By Five Percent (5%) Or More Calculated DTI Of 19.05% Is Less
Than The Guideline Maximum Of 45% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 102.74 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 102.74 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.08 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.08 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.64 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.64 Years |
transmittal_09combined (82).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxxxx | |||
| 4000091037 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-09-04 12:02 | 2025-09-05 14:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-REO documents provided - Due Diligence
Vendor-09/05/2025 Ready for Review-Document Uploaded. - Seller-09/04/2025 Open-HOA/TAX missing for, "xxx" tax missing for xxx (vacant land) - Due Diligence Vendor-09/04/2025 |
Ready for Review-Document Uploaded. - Seller-09/04/2025 |
Resolved-REO documents provided - Due Diligence
Vendor-09/05/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 19.05% Is Less Than The Guideline
Maximum Of 45% By Five Percent (5%) Or More Calculated DTI Of 19.05% Is Less
Than The Guideline Maximum Of 45% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 102.74 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 102.74 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.08 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.08 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.64 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.64 Years |
PROPERTY PROFILE- xxx.pdf TAX _ HAZARD _ xxx.pdf PROPERTY TAX STATEMENT_12 oclock.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxxxx | |||
| 4000089350 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-09-09 08:31 | 2025-09-12 12:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due
Diligence Vendor-09/12/2025 Ready for Review-Document Uploaded. - Seller-09/11/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-09/09/2025 |
Ready for Review-Document Uploaded. - Seller-09/11/2025 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due
Diligence Vendor-09/12/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 740 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 123.21 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 33.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30.35 Years |
UDM REPORT.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxx | |||
| 4000089350 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-09-10 12:20 | 2025-09-12 12:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-newly refinanced property documents provided. - Due Diligence Vendor-09/12/2025 Ready for Review-Document Uploaded. - Seller-09/11/2025 Open-Missing Note, Final CD/HUD and Hazard Insurance for xxx. - Due Diligence Vendor-09/10/2025 |
Ready for Review-Document Uploaded. - Seller-09/11/2025 |
Resolved-newly refinanced property documents provided. - Due Diligence Vendor-09/12/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 740 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 123.21 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 33.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30.35 Years |
FINAL CD _ DRY
STATE (1).pdf HAZARD INSURANCE.pdf FINAL CD _ DRY STATE.pdf NOTE & DEED.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxx | |||
| 4000093282 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000090360 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-10-02 09:36 | 2025-10-08 14:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved- - Due Diligence Vendor-10/08/2025 Ready for Review-REO Docs - Due Diligence Vendor-10/08/2025 Open-Provide proof of missing Hazard insurance for the following other REO investment properties a -xxx Approximately xxx a month & xxx - Due Diligence Vendor-10/02/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.08 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.30 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.29 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.4 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.17 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.55% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.28% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | |||||
| 4000090360 | D | A | D | A | A | A | A | A | Closed | FVAL1310 | 2025-10-02 07:41 | 2025-10-08 14:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence
Vendor-10/08/2025 Ready for Review-xxx Questionnaire - Due Diligence Vendor-10/08/2025 Open-HOA Questionnaire Document status is Missing. Subject is a Condo. Provide the HOA questionaire missing in file. - Due Diligence Vendor-10/02/2025 |
Resolved-HOA Questionnaire is Provided - Due Diligence
Vendor-10/08/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.08 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.30 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.29 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.4 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.17 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.55% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.28% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000095153 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000093850 | D | A | A | A | D | A | A | A | Closed | FCOM8844 | 2025-10-17 13:49 | 2026-07-02 16:27 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Resolved-Business Purpose Disclosure or letter from borrower is
Present. - Due Diligence Vendor-07/02/2026 Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-11/03/2025 Ready for Review-LOE - Due Diligence Vendor-10/31/2025 Open-Business Purpose Disclosure stating how funds will be used or letter from borrower regarding the use of funds is missing. TPR reviewed file and the lox is missing from borrower for cash-out. Under xxx-Sharp-Guidelines xxx / pg #43 / Bullet point #2 under "Cash out", Cash-Out is for Business Purposes only and the borrower must provide an LOE detailing the purpose and use of the proceeds - Due Diligence Vendor-10/21/2025 |
Resolved-Business Purpose Disclosure or letter from borrower is
Present. - Due Diligence Vendor-07/02/2026 Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-11/03/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 62.5% Is Below The Guideline Maximum Of 75% By Ten
Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 47.04% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.75 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.17 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 65.65 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000093277 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2025-10-20 01:51 | 2026-04-17 10:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-10/29/2025 Ready for Review-Fraud Report - Due Diligence Vendor-10/28/2025 Open-Missing Third Party Fraud Report - Due Diligence Vendor-10/20/2025 |
Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-10/29/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 16.77 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.46% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.76 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000093277 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2025-10-19 23:45 | 2025-11-06 13:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence
Vendor-11/06/2025 Ready for Review-Final Title - Due Diligence Vendor-11/06/2025 Open-Title Document is missing - Due Diligence Vendor-10/20/2025 |
Resolved-Title Document is fully Present - Due Diligence
Vendor-11/06/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 16.77 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.46% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.76 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000097084 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000096725 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000092911 | C | A | C | A | A | A | A | A | Closed | FCRE1254 | 2025-10-28 18:56 | 2025-12-02 15:02 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Corrected 1008 Provided - Cash out - Due Diligence Vendor-12/02/2025 Ready for Review-Updated 1008 - Due Diligence Vendor-12/02/2025 Counter-Provide updated 1008 & updated Rate Lock reflecting Cash out - Per Guidelines: Refinance of a previous Cash-Out seasoned < 1 year will be considered Cash-Out refinance - Due Diligence Vendor-12/01/2025 Ready for Review-FCD from xxx - Due Diligence Vendor-12/01/2025 Counter-Was the loan xxx a cash out or no cash out refinance? Any FCD or HUD1 should help to determine or provide a longer chain of title. If there is no loan prior to 2025 then the new loan is a cash out as the xxx was a cash out < 12 months. - Due Diligence Vendor-11/28/2025 Ready for Review-Please clarify what is needed to cure this condition. Final Title Policy provided, per 1008 loan is a no cash out refi. - Due Diligence Vendor-11/28/2025 Open-Property Title Issue Unable to determine if subject loan is paying off < 12 months old cash out refinance from xxx (page 465 OCR). If so then loan should be considered cash out and not a rate/term refinance. Appraisal shows home ownership since 1999. Later put in trust, taken out of trust, then put back in trust xxx. In either case lender guidelines are sufficient for cash out or no cash out refinance. - Due Diligence Vendor-10/28/2025 |
Resolved-Corrected 1008 Provided - Cash out - Due Diligence Vendor-12/02/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 740 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.50 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 146.3 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000092916 | D | A | D | A | A | A | A | A | Closed | FCRE1254 | 2025-10-29 05:47 | 2025-12-02 15:05 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Updated 1008 provided - Cash out - Due Diligence
Vendor-12/02/2025 Ready for Review-Updated 1008 - Due Diligence Vendor-12/02/2025 Counter-Provide updated 1008 & updated Rate Lock reflecting Cash out - Per Guidelines: Refinance of a previous Cash-Out seasoned < 1 year will be considered Cash-Out refinance - Due Diligence Vendor-12/01/2025 Ready for Review-Final CD from xxx closing. - Due Diligence Vendor-12/01/2025 Counter-Was the loan xxx a cash out or no cash out refinance? Any FCD or HUD1 should help to determine or provide a longer chain of title. If there is no loan prior to 2025 then the new loan is a cash out as the xxx was a cash out < 12 months. - Due Diligence Vendor-11/28/2025 Ready for Review-Please clarify what documentation is needed to clear condition. Per final 1008, loan is a No Cash-Out Refinance. - Due Diligence Vendor-11/28/2025 Open-Property Title Issue Unable to determine if subject loan is paying off < 12 months old cash out refinance from xxx (page 449 OCR). If so then loan should be considered cash out and not a rate/term refinance. Lease shows home ownership since at least 2022. Later put in trust, taken out of trust, then put back in trust xxx. In either case lender guidelines are sufficient for cash out or no cash out refinance. (1008 in loan xxx lists this loan as a cash out refinance) - Due Diligence Vendor-10/29/2025 |
Resolved-Updated 1008 provided - Cash out - Due Diligence
Vendor-12/02/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60.82% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.50 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 168.33 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000092916 | D | A | D | A | A | A | A | A | Closed | FCRE1162 | 2025-10-29 05:55 | 2025-11-03 11:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Certificate Partially Provided | Resolved-Flood Certificate is fully present - Due Diligence
Vendor-11/03/2025 Ready for Review-Flood cert - Due Diligence Vendor-10/31/2025 Open-Flood Certificate is Partially Provided Missing Flood Cert - Due Diligence Vendor-10/29/2025 |
Resolved-Flood Certificate is fully present - Due Diligence
Vendor-11/03/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60.82% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.50 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 168.33 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000097192 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000095594 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000096812 | D | A | D | A | A | A | A | A | Closed | FCRE2000 | 2025-11-07 05:32 | 2025-11-10 14:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Incomplete or Unexecuted Purchase Contract | Resolved-Purchase Contract Issue Resolved - Due Diligence
Vendor-11/10/2025 Ready for Review-Addendum - Due Diligence Vendor-11/10/2025 Open-Purchase Contract is Partial copy. Provide an addendum to the contract reflecting an accepted and final sales purchase by all parties in the amount of xxx. Addendum must be executed and dated by all applicable parties to the contract - Due Diligence Vendor-11/07/2025 |
Resolved-Purchase Contract Issue Resolved - Due Diligence
Vendor-11/10/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 27.67 Are Greater Than The Guideline
Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000093828 | D | A | D | A | C | A | A | A | Closed | FCOM4227 | 2025-11-10 01:16 | 2025-11-17 10:11 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-TRID history and all disclosures_ received, data
entered, no additional compliance findings. Thank you. - Due Diligence
Vendor-11/17/2025 Ready for Review-Disclosure History - Due Diligence Vendor-11/14/2025 Open- ******Documentation provided does not contain the initial disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-11/10/2025 |
Resolved-TRID history and all disclosures_ received, data
entered, no additional compliance findings. Thank you. - Due Diligence
Vendor-11/17/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.24 Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.84 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 74.53% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.62% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000093828 | D | A | D | A | C | A | A | A | Closed | FCRE1347 | 2025-11-08 23:54 | 2025-11-17 09:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or
Not Applicable (Number of Borrowers equals 2) - Due Diligence
Vendor-11/17/2025 Ready for Review-Business Lookup dated prior to closing - Due Diligence Vendor-11/14/2025 Open-Borrower 2 3rd Party VOE Prior to Close Missing 3rd Party VOE prior to close is missing for B2s insurance agency/company "xxx" - Due Diligence Vendor-11/09/2025 |
Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or
Not Applicable (Number of Borrowers equals 2) - Due Diligence
Vendor-11/17/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.24 Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.84 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 74.53% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.62% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000098454 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000099429 | D | A | D | A | A | A | A | A | Closed | FCRE1469 | 2025-11-18 13:32 | 2025-11-25 09:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-FCD received - Due Diligence Vendor-11/25/2025 Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-11/25/2025 Open-Asset 3 Missing - Due Diligence Vendor-11/25/2025 Ready for Review-CD proceeds - Due Diligence Vendor-11/25/2025 Open-Asset 3 Missing - Due Diligence Vendor-11/18/2025 |
Resolved-FCD received - Due Diligence Vendor-11/25/2025 Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-11/25/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 680 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.84 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000096636 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000101149 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000101001 | D | A | A | A | D | A | A | A | Closed | FCOM1544 | 2025-11-20 01:12 | 2025-11-21 15:15 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure or Final Settlement
Statement Provided - Due Diligence Vendor-11/21/2025 Ready for Review-Please see attached. - Due Diligence Vendor-11/20/2025 Open-Missing Final Closing Disclosure or Final Settlement Statement - Due Diligence Vendor-11/20/2025 |
Resolved-TRID: Final Closing Disclosure or Final Settlement
Statement Provided - Due Diligence Vendor-11/21/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000095808 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000099209 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000098901 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000095751 | C | A | A | A | C | A | A | A | Closed | FCOM1207 | 2025-12-09 23:45 | 2025-12-18 17:12 | Resolved | 1 - Information | C | A | Compliance | Closing Package | The Note is Not Executed | Resolved-Documentation provided is sufficient. Thank you. - Due
Diligence Vendor-12/18/2025 Ready for Review-executed Note - Due Diligence Vendor-12/18/2025 Open-The Note is Not Executed Lender to provide Note page 3 of 3 executed and dated by all applicable parties - Due Diligence Vendor-12/10/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due
Diligence Vendor-12/18/2025 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 22.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 400.94 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000094797 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000101962 | C | A | A | A | C | A | A | A | Closed | FCOM3957 | 2025-12-15 07:15 | 2026-01-05 13:37 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-Received Initial and Revised Loan Estimates in addition
to Initial CD. - Due Diligence Vendor-01/05/2026 Ready for Review-Closing disclosure - Due Diligence Vendor-01/02/2026 Open-******Documentation provided does not contain the______________________________________. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings.. - Due Diligence Vendor-12/15/2025 |
Resolved-Received Initial and Revised Loan Estimates in addition
to Initial CD. - Due Diligence Vendor-01/05/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 10.59 Years Borrower 1 Has Stable Job Time Of Five (5) Or More
Years At Current Job - 10.59 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 71.09% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 71.09% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.50 Years Borrower At Current Residence For Five (5) Or More Years - 6.50 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 101.92 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Months Reserves Of 101.92 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000104529 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2025-12-23 07:33 | 2026-01-07 13:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-01/07/2026 Ready for Review-Fraud Report - Due Diligence Vendor-01/06/2026 Open-Missing Third Party Fraud Report . - Due Diligence Vendor-12/23/2025 |
Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-01/07/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 30.04 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Months Reserves Of 30.04 Are Greater
Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000106475 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000106421 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000104987 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000108883 | D | A | D | A | C | A | A | A | Closed | FCRE1344 | 2026-01-16 12:12 | 2026-01-29 14:45 | Resolved | 1 - Information | C | A | Credit | Income | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Resolved-12 Month Business bank statements provided. - Due
Diligence Vendor-01/29/2026 Ready for Review-Bank Statements - Due Diligence Vendor-01/29/2026 Open-BUSINESS BANK STATEMENT PROVIDED LESS 12 MONTHS - Due Diligence Vendor-01/16/2026 |
Resolved-12 Month Business bank statements provided. - Due
Diligence Vendor-01/29/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.11% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000108883 | D | A | D | A | C | A | A | A | Closed | FCRE2109 | 2026-01-16 11:42 | 2026-01-29 14:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided -
Due Diligence Vendor-01/29/2026 Ready for Review-Income Calculation Worksheet - Due Diligence Vendor-01/29/2026 Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-01/16/2026 |
Resolved-Lender Worksheet or Bank Statement Summary Provided -
Due Diligence Vendor-01/29/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.11% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000108574 | B | A | B | A | A | A | A | A | Closed | FCRE1183 | 2026-01-23 09:58 | 2026-01-27 13:20 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-updated 1008 with DSCR calculation provided. - Due Diligence Vendor-01/27/2026 Ready for Review-Please find the attached updated 1008 with the DSCR calculation included. Thank you. - Due Diligence Vendor-01/27/2026 Counter-Apologies for the confusion, The Lenders Loan file is missing the DSCR worksheet calculation. the document can be DSCR calculations listed in the UW section of the 1008, an actual DSCR worksheet and/or Rate Lock reflecting the DSCR calculation. - Due Diligence Vendor-01/26/2026 Ready for Review-We see that the 1008 was included in the closing package. To ensure we address this correctly, could you please clarify what specific documentation is needed? Please confirm whether an updated 1008 reflecting the approved DSCR ratio is required. Thank you very much. - Due Diligence Vendor-01/26/2026 Open-1008/Underwriting Summary Partially Provided Provide completed 1008 reflecting the DSCR that the loan was approved with. No UW approval showing this was provided at the time of review - Due Diligence Vendor-01/23/2026 |
Resolved-updated 1008 with DSCR calculation provided. - Due Diligence Vendor-01/27/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 8.08 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.16% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000109353 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000094787 | C | A | C | A | A | A | A | A | Closed | FPRO1245 | 2026-01-22 23:41 | 2026-02-07 09:12 | Resolved | 1 - Information | C | A | Credit | Eligibility | Appraisal is Expired | Resolved-Primary Value Appraisal is Not Expired Or Primary
Valuation Does Not Exist - Due Diligence Vendor-02/07/2026 Ready for Review-attached - Due Diligence Vendor-02/06/2026 Counter-No attachment provided - please re-upload - Due Diligence Vendor-02/06/2026 Ready for Review-attached Appraisal recert - Due Diligence Vendor-02/05/2026 Open-Primary Value Appraisal is Expired - Due Diligence Vendor-01/23/2026 |
Resolved-Primary Value Appraisal is Not Expired Or Primary
Valuation Does Not Exist - Due Diligence Vendor-02/07/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 14.44 Are Greater Than The Guideline
Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000107941 | C | A | B | A | C | A | A | A | Closed | FCOM1223 | 2026-02-24 19:44 | 2026-04-14 08:08 | Resolved | 1 - Information | C | A | Compliance | Closing Package | The Deed of Trust is Not Executed | Resolved-The Deed of Trust is Executed - Due Diligence
Vendor-04/14/2026 Ready for Review-DOT - Due Diligence Vendor-04/09/2026 Open-The Deed of Trust is Not Executed The DOT lists the borrower name as xxx. The signing line lists the individual borrower as the signing party and that individual borrower signed as an individual borrower. The signing line should be in the name of xxx and the individual should sign as a member of the entity. - Due Diligence Vendor-02/25/2026 |
Resolved-The Deed of Trust is Executed - Due Diligence
Vendor-04/14/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 56.52% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.50 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000107941 | C | A | B | A | C | A | A | A | Closed | FCRE1182 | 2026-01-29 04:59 | 2026-02-12 11:10 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-02/12/2026 Ready for Review-1008 - Due Diligence Vendor-02/11/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-01/29/2026 |
Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-02/12/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 56.52% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.50 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000112897 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-02-02 15:53 | 2026-02-04 09:09 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance
findings. - Due Diligence Vendor-02/04/2026 Ready for Review-See Final Settlement Statement and PCCD - Due Diligence Vendor-02/04/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-02/03/2026 Open- - Due Diligence Vendor-02/03/2026 Open- - Due Diligence Vendor-02/03/2026 Open- - Due Diligence Vendor-02/02/2026 |
Resolved-PCCD received, data entered, no additional compliance
findings. - Due Diligence Vendor-02/04/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 69.18 Are Greater Than The Guideline
Minimum Of 18 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.08 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.99 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.25% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.18% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000110811 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000111537 | D | A | D | A | A | A | A | A | Closed | FCRE1814 | 2026-02-05 11:29 | 2026-02-26 08:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Entity docs provided - Due Diligence Vendor-02/26/2026
Ready for Review-Cert of Good Standing and EIN attached. - Due Diligence Vendor-02/24/2026 Counter-Missing Certificate of good standing, and/or evidence of EIN Entity Formation Documents - Due Diligence Vendor-02/06/2026 Ready for Review-See Operating Agreement - Due Diligence Vendor-02/05/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Entity Formation Documents for Main Entity and/or Sub-Entity Missing - Due Diligence Vendor-02/05/2026 |
Resolved-Entity docs provided - Due Diligence
Vendor-02/26/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 10.31 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.25 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 115.46 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000111537 | D | A | D | A | A | A | A | A | Closed | FCRE8639 | 2026-02-05 11:26 | 2026-02-26 08:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence
Vendor-02/26/2026 Ready for Review-Signed Guaranty Agreement attached. - Due Diligence Vendor-02/24/2026 Open-Personal Guaranty is Missing. Personal Guaranty is Missing - Due Diligence Vendor-02/05/2026 |
Resolved-Personal Guaranty is Present. - Due Diligence
Vendor-02/26/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 10.31 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.25 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 115.46 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000110428 | D | A | A | A | D | A | A | A | Closed | FCOM1544 | 2026-02-05 18:06 | 2026-02-10 06:43 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure or Final Settlement
Statement Provided - Due Diligence Vendor-02/10/2026 Ready for Review-Final HUD1 attached - Due Diligence Vendor-02/06/2026 Open-Missing Final Closing Disclosure or Final Settlement Statement - Due Diligence Vendor-02/05/2026 |
Resolved-TRID: Final Closing Disclosure or Final Settlement
Statement Provided - Due Diligence Vendor-02/10/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.15 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.6 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000112156 | C | A | A | A | A | A | C | A | Closed | FPRO868 | 2026-02-10 15:57 | 2026-02-12 14:57 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | Desk Review Value(s) Do Not Adhere To Tolerance Criteria | Resolved-Field Review provided - Due Diligence Vendor-02/12/2026
Ready for Review-Field Review - Due Diligence Vendor-02/11/2026 Open-Per desk review risk score is -Indeterminate-CDA value not provided - Due Diligence Vendor-02/10/2026 |
Resolved-Field Review provided - Due Diligence
Vendor-02/12/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 9.5 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.17 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000114354 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000111541 | C | A | A | A | C | A | A | A | Closed | finding-3634 | 2026-02-16 10:01 | 2026-02-20 13:05 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-**Received COC - Due Diligence Vendor-02/20/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-02/20/2026 Ready for Review-COC details uploaded to other condition. - Due Diligence Vendor-02/20/2026 Open-***** The following charges have been either added or increased: Origination Fee resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/16/2026 |
Resolved-**Received COC - Due Diligence Vendor-02/20/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.12 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 66.56% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.74% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.99 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | |||||
| 4000111541 | C | A | A | A | C | A | A | A | Closed | finding-3631 | 2026-02-16 10:01 | 2026-02-20 13:05 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-**Received COC - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Ready for Review-COC details attached. - Due Diligence Vendor-02/20/2026 Open-***** Finding in relation to ***** The following charges have been either added or increased: Origination Fee resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/17/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 |
Resolved-**Received COC - Due Diligence Vendor-02/20/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.12 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 66.56% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.74% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.99 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000111541 | C | A | A | A | C | A | A | A | Closed | finding-3632 | 2026-02-16 10:01 | 2026-02-20 13:05 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-**Received COC - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Ready for Review-COC details uploaded to other condition. - Due Diligence Vendor-02/20/2026 Open-***** Finding in relation to ***** The following charges have been either added or increased: Origination Fee resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/17/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 |
Resolved-**Received COC - Due Diligence Vendor-02/20/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.12 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 66.56% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.74% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.99 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | |||||
| 4000116267 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000111300 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-02-18 02:02 | 2026-02-25 10:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-02/25/2026 Ready for Review-Fraud Report - Due Diligence Vendor-02/23/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-02/18/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-02/25/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 740 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.48 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
Missing Third Party Fraud Report | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | |||
| 4000114359 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000110810 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-02-22 03:41 | 2026-03-06 15:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-03/06/2026 Ready for Review-Loan Safe - Due Diligence Vendor-03/06/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-02/22/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-03/06/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 148 Are Greater Than The Guideline
Minimum Of 5 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.67 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000116005 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000110919 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000119946 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000113666 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 4000118138 | C | A | A | A | C | A | A | A | Closed | FCOM2368 | 2026-03-11 13:42 | 2026-03-16 08:54 | Resolved | 1 - Information | C | A | Compliance | NMLS | Loan Origination Company NMLS Status is Not Active | Resolved-Lender provided some explanation and NMLS does say
company is authorized to conduct business. LO of same company is also active
through 2026. - Due Diligence
Vendor-03/16/2026 Ready for Review-Document Uploaded. - Seller-03/13/2026 Open-Loan Origination Company NMLS Status is Not Active Loan Origination Company NMLS xxx Status is Not Active in the state of xxx, renewed through 2025. - Due Diligence Vendor-03/11/2026 |
Ready for Review-Document Uploaded. - Seller-03/13/2026 |
Resolved-Lender provided some explanation and NMLS does say
company is authorized to conduct business. LO of same company is also active
through 2026. - Due Diligence
Vendor-03/16/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of xxx is
Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 27.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.23 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.23 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.58 Years Borrower At Current Residence For Five (5) Or More Years - 5.58 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 356.33 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 356.33 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxxxx | |||
| 4000119261 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||
| 4000117851 | D | A | A | A | D | A | A | A | Closed | FCOM1233 | 2026-03-12 20:07 | 2026-03-16 06:58 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence
Vendor-03/16/2026 Ready for Review-We already provided the last page of final 1003 with LO signature. Please see the attached. - Due Diligence Vendor-03/16/2026 Open-The Final 1003 is Incomplete The last page of final 1003 containing Loan originator information (section-9) is missing in the provided one. Hence the complete copy of final 1003 including all pages required. - Due Diligence Vendor-03/13/2026 |
Resolved-The Final 1003 is Present - Due Diligence
Vendor-03/16/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - validated Months Reserves Of 72.09 Are Greater Than The
Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000099133 | D | A | D | A | A | A | A | A | Closed | FPRO1245 | 2026-03-17 04:48 | 2026-03-18 14:27 | Resolved | 1 - Information | C | A | Credit | Eligibility | Appraisal is Expired | Resolved-Primary Value Appraisal is Not Expired Or Primary
Valuation Does Not Exist - Due Diligence Vendor-03/18/2026 Ready for Review-Please see the attached Re-cert - Due Diligence Vendor-03/18/2026 Open-Primary Value Appraisal is Expired, Provided appraisal is more then 120 days of note date. Please provide provide updated appraisal with in 120 days of note date. - Due Diligence Vendor-03/17/2026 |
Resolved-Primary Value Appraisal is Not Expired Or Primary
Valuation Does Not Exist - Due Diligence Vendor-03/18/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 680 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 29.50 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000099133 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-03-17 04:59 | 2026-03-18 14:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-03/18/2026 Ready for Review-Please see the attached fraud report - Due Diligence Vendor-03/18/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-03/17/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-03/18/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 680 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 29.50 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000119468 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000118010 | D | A | A | A | D | A | A | A | Closed | FCOM3596 | 2026-03-18 10:49 | 2026-04-15 08:54 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Prepayment Rider Missing | Resolved- - Due Diligence Vendor-04/15/2026 Ready for Review-ppp docs Note Addendum, DOT rider - Due Diligence Vendor-04/14/2026 Open-Prepayment Rider Missing or Inaccurate. Provide corrected prepayment Note Addendum and Rider that reflects 60 months with term for each year. The Addendum & Rider shows the term is for 60 months, however, the pre-payment charge covers 36 months only at the highest and none of the boxes with options are checked. - Due Diligence Vendor-03/18/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 94.47 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Months Reserves Of 94.47 Are Greater
Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxx | |||||
| 4000119774 | D | A | D | A | A | A | A | A | Closed | FCRE1467 | 2026-03-20 12:57 | 2026-04-06 11:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-04/06/2026 Ready for Review-Asset Doc - Due Diligence Vendor-04/03/2026 Open-Asset 1 Missing in the amount of xxx - Due Diligence Vendor-03/20/2026 |
Resolved-Asset 1 Provided - Due Diligence Vendor-04/06/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 270.77 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.08 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.66% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000120893 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000119962 | C | B | A | A | C | B | A | A | Closed | finding-3634 | 2026-03-21 05:33 | 2026-04-03 11:59 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD, LOE, copy of refund check and proof of
mailing, has been provided - Due Diligence Vendor-04/03/2026 Resolved- - Due Diligence Vendor-04/03/2026 Open- - Due Diligence Vendor-03/27/2026 Open-*****The following charges have been either added or increased: Transfer Taxes resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-03/24/2026 Open- - Due Diligence Vendor-03/24/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-03/21/2026 Open- - Due Diligence Vendor-03/21/2026 |
Cured-Curative PCCD, LOE, copy of refund check and proof of
mailing, has been provided - Due Diligence Vendor-04/03/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 39.01% Is Less Than The Guideline
Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.66 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | |||||
| 4000119962 | C | B | A | A | C | B | A | A | Closed | finding-3631 | 2026-03-21 05:33 | 2026-04-03 11:59 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Cured-Curative PCCD, LOE, copy of refund check and proof of
mailing, has been provided - Due Diligence Vendor-04/03/2026 Resolved- - Due Diligence Vendor-04/03/2026 Open- - Due Diligence Vendor-03/27/2026 Open-*****The following charges have been either added or increased: Transfer Taxes resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-03/24/2026 Open- - Due Diligence Vendor-03/24/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/21/2026 Open- - Due Diligence Vendor-03/21/2026 |
Cured-Curative PCCD, LOE, copy of refund check and proof of
mailing, has been provided - Due Diligence Vendor-04/03/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 39.01% Is Less Than The Guideline
Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.66 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | |||||
| 4000119962 | C | B | A | A | C | B | A | A | Closed | finding-3632 | 2026-03-21 05:33 | 2026-04-03 11:59 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD, LOE, copy of refund check and proof of
mailing, has been provided - Due Diligence Vendor-04/03/2026 Resolved- - Due Diligence Vendor-04/03/2026 Ready for Review-Please see the attached cure documents. Thank you! - Due Diligence Vendor-04/02/2026 Open- - Due Diligence Vendor-03/27/2026 Open-*****The following charges have been either added or increased: Transfer Taxes resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-03/24/2026 Open- - Due Diligence Vendor-03/24/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/21/2026 Open- - Due Diligence Vendor-03/21/2026 |
Resolved-Curative PCCD, LOE, copy of refund check and proof of
mailing, has been provided - Due Diligence Vendor-04/03/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 39.01% Is Less Than The Guideline
Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.66 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000119962 | C | B | A | A | C | B | A | A | Closed | FCOM7353 | 2026-03-24 15:48 | 2026-03-27 12:34 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the loan application
date. - Due Diligence Vendor-03/27/2026 Ready for Review-Please see the attached system image reflecting application date xxx. Thank you! - Due Diligence Vendor-03/25/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-03/24/2026 |
Resolved-***Received confirmation of the loan application
date. - Due Diligence Vendor-03/27/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 39.01% Is Less Than The Guideline
Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.66 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000120682 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000117927 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000120884 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-03-25 05:42 | 2026-03-27 13:05 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the loan application
date. - Due Diligence Vendor-03/27/2026 Ready for Review-Please see the attached App snip - Due Diligence Vendor-03/26/2026 Open-Need Clarification of Application date xxx.*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-03/25/2026 |
Resolved-***Received confirmation of the loan application
date. - Due Diligence Vendor-03/27/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.02 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.39 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000120009 | C | A | C | A | C | A | A | A | Closed | FCRE1500 | 2026-03-27 11:41 | 2026-03-30 11:52 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved- - Due Diligence Vendor-03/30/2026 Ready for Review-Hello Team, we have the valid i797 up to xxx. Please waive for this condition. Thank you - Due Diligence Vendor-03/27/2026 Open-Missing permanent resident card - Due Diligence Vendor-03/27/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.19 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.01 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.82% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | |||||
| 4000120009 | C | A | C | A | C | A | A | A | Closed | finding-47 | 2026-03-26 10:30 | 2026-03-30 11:27 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance
findings. Thank you - Due Diligence Vendor-03/30/2026 Resolved- - Due Diligence Vendor-03/30/2026 Ready for Review-Hello Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxx. Thank you - Due Diligence Vendor-03/27/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-03/27/2026 Open- - Due Diligence Vendor-03/27/2026 Open- - Due Diligence Vendor-03/26/2026 |
Resolved-PCCD received, data entered, no additional compliance
findings. Thank you - Due Diligence Vendor-03/30/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.19 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.01 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.82% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000118518 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000120913 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000123228 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000120892 | C | A | C | A | C | A | A | A | Closed | finding-47 | 2026-03-27 06:16 | 2026-03-30 09:06 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance
findings. Thank you - Due Diligence Vendor-03/30/2026 Ready for Review-Hello Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxx. Thank you - Due Diligence Vendor-03/27/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ******* Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-03/27/2026 Open- - Due Diligence Vendor-03/27/2026 Open- - Due Diligence Vendor-03/27/2026 |
Resolved-PCCD received, data entered, no additional compliance
findings. Thank you - Due Diligence Vendor-03/30/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 69.52 Are Greater Than The Guideline
Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.58% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 49.59% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000120892 | C | A | C | A | C | A | A | A | Closed | FCRE1159 | 2026-03-27 04:38 | 2026-03-30 05:29 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Lender provided PCCD showing xxx disbursement date -
Due Diligence Vendor-03/30/2026 Ready for Review-Hello Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxx. Thank you - Due Diligence Vendor-03/27/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Policy is effective after the disbursement date. Please provide proof of coverage for the intervening 6 days. - Due Diligence Vendor-03/27/2026 |
Resolved-Lender provided PCCD showing xxx disbursement date -
Due Diligence Vendor-03/30/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 69.52 Are Greater Than The Guideline
Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.58% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 49.59% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000122360 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000118666 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-03-27 03:18 | 2026-04-09 08:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-04/09/2026 Ready for Review-Fraud report - Due Diligence Vendor-04/08/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-03/27/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-04/09/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 32.84 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.37% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000121220 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000119218 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000122609 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000120729 | D | A | D | A | C | A | A | A | Closed | FCOM1291 | 2026-03-27 18:27 | 2026-04-10 13:19 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | Creditor did not provide the appropriate Right to Cancel Form Model (same creditor with H-8 form type). | Resolved-H9- Right to Cancel form provided, that was executed in
consummation, has been provided - Due Diligence Vendor-04/10/2026 Ready for Review-The initial submission included an H-8 form executed by an Attorney-in-Fact. However, to ensure full compliance for a Same Lender Refinance, we corrected the model to the H-9 form. Furthermore, while the initial signature was authorized via POA, the final H-9 form was executed by the borrower directly to provide the most authenticated documentation. Please accept the H-9 in the V24 package as the final corrected disclosure. - Due Diligence Vendor-04/09/2026 Counter-Documents in the original package where the non-borrower needed to sign were signed by the borrower as attorney in fact for the non-borrower and the document provided at resubmission was signed by the non-borrower. We are asking the lender to provide an explanation. - Due Diligence Vendor-04/08/2026 Ready for Review-The form provided is the H-9 model form. However, we are having difficulty understanding which signature aspect is considered incorrect. Could you please provide additional clarification regarding the specific signature discrepancy? - Due Diligence Vendor-04/08/2026 Counter-***Received executed NORTC in the H9 form. Non-borrower's form appears to be signed by the actual non-borrower but the documents in the original file indicate the borrower signed as attorney-in-fact for the non-borrower. Lender to provide explanation. - Due Diligence Vendor-04/07/2026 Ready for Review-Here you are. - Due Diligence Vendor-04/06/2026 Counter-Title Document in the file indicates that the original lender of the loan that was paid of is xxxx xxxxx xxxx xxx, the same lender for the subject loan as confirmed by the Note. Loan is considered a same lender refinance and the correct Notice of Right to cancel to be used for the subject loan if the H9 form model. - Due Diligence Vendor-04/01/2026 Ready for Review-Our company, "xxx," is a completely separate legal entity and has no corporate affiliation with the original lender, "xxx." Please review and waive the condition. - Due Diligence Vendor-03/31/2026 Open-Loan Purpose is Refinance and Creditor did not provide the appropriate Right to Cancel Form Model (Same Creditor with H-8 form type). ******Documentation provided includes an H8 Right to Cancel form. Lender has been identified as either the current lender or the recorded original lender. The correct form should be an H9 - Due Diligence Vendor-03/27/2026 |
Resolved-H9- Right to Cancel form provided, that was executed in
consummation, has been provided - Due Diligence Vendor-04/10/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Credit Line Usage Ratio equals 0.03 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 57.16% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000120729 | D | A | D | A | C | A | A | A | Closed | FCRE7497 | 2026-03-27 03:40 | 2026-04-03 07:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Updated 1003 provided - Due Diligence Vendor-04/03/2026
Ready for Review-Here you are. - Due Diligence Vendor-04/02/2026 Counter-Document Uploaded. The final 1003 reflects an additional xxx - Mortgage statement reflects PITI xxx - the condition is asking for supporting documents to verify the xxx - Due Diligence Vendor-04/01/2026 Ready for Review-Here you are. - Due Diligence Vendor-04/01/2026 Open-Missing HOA/Tax/Insurance of xxx for the property of xxx . - Due Diligence Vendor-03/27/2026 |
Resolved-Updated 1003 provided - Due Diligence
Vendor-04/03/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Credit Line Usage Ratio equals 0.03 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 57.16% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000120729 | D | A | D | A | C | A | A | A | Closed | FCRE1764 | 2026-03-27 03:42 | 2026-04-01 13:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Mortgage statement (escrowed) provided - Due Diligence Vendor-04/01/2026 Ready for Review-Here you are. - Due Diligence Vendor-04/01/2026 Open-Missing Mortgage statement for property xxx - xxx - xxx (Balance - xxx). - Due Diligence Vendor-03/27/2026 |
Resolved-Mortgage statement (escrowed) provided - Due Diligence Vendor-04/01/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Credit Line Usage Ratio equals 0.03 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 57.16% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000120729 | D | A | D | A | C | A | A | A | Closed | FCOM7353 | 2026-03-27 18:28 | 2026-04-01 12:10 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date - Due
Diligence Vendor-04/01/2026 Ready for Review-Here you are. - Due Diligence Vendor-03/31/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-03/27/2026 |
Resolved-***Received confirmation of the application date - Due
Diligence Vendor-04/01/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Credit Line Usage Ratio equals 0.03 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 57.16% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000119973 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000119627 | D | A | D | A | A | A | A | A | Closed | FCRE1161 | 2026-03-30 01:40 | 2026-04-13 13:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence
Vendor-04/13/2026 Ready for Review-Flood Cert - Due Diligence Vendor-04/13/2026 Open-Missing Flood Certificate - Due Diligence Vendor-03/30/2026 |
Resolved-Flood Certificate is fully present - Due Diligence
Vendor-04/13/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 379.54 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.08 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000119800 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000119628 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000119644 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000121277 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000120832 | D | A | A | A | D | A | A | A | Closed | FCOM1221 | 2026-04-15 09:04 | 2026-04-21 13:42 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due
Diligence Vendor-04/21/2026 Ready for Review-CORRECTED DOT , THANK YOU FOR CLEARING THE LOAN - Due Diligence Vendor-04/17/2026 Counter-Documentation required for resolution include: Corrected Security Instrument and riders executed by borrower - Due Diligence Vendor-04/16/2026 Ready for Review-LOX CONFIRMING RE-RECORDING - Due Diligence Vendor-04/15/2026 Open-Document Uploaded. - Due Diligence Vendor-04/15/2026 Open-Loan closed with a PPP, the DOT does not reflect that, Documentation required for resolution include: Corrected Security Instrument and riders executed by borrower, page 1 re-record declaration or cover sheet stating the reason for the re-record. Email or other documentation from title confirming they will re-execute/re-record. - Due Diligence Vendor-04/15/2026 |
Resolved-The Deed of Trust is Present and Complete - Due
Diligence Vendor-04/21/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of xxx is
Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.25 Years Borrower At Current Residence For Five (5) Or More Years - 10.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.62 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 88.62 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000120832 | D | A | A | A | D | A | A | A | Closed | FCOM3596 | 2026-03-31 09:04 | 2026-04-15 09:05 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Prepayment Rider Missing | Resolved-PPP to Note & Mortgage provided - Due Diligence
Vendor-04/15/2026 Ready for Review-PPP docs - Due Diligence Vendor-04/14/2026 Open-The Final CD indicates a Prepayment Penalty. Missing the Prepayment Penalty Rider. - Due Diligence Vendor-03/31/2026 |
Resolved-PPP to Note & Mortgage provided - Due Diligence
Vendor-04/15/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of xxx is
Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.25 Years Borrower At Current Residence For Five (5) Or More Years - 10.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.62 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 88.62 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000117721 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000121728 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000122615 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000119591 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000119130 | C | B | C | B | A | A | A | A | Closed | FCRE1200 | 2026-04-01 02:48 | 2026-04-07 06:12 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Lender exception for loan amount. - Due Diligence
Vendor-04/07/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-04/06/2026 Open-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx Missing lender exception for loan amount being less than guideline minimum. - Due Diligence Vendor-04/01/2026 |
Waived-Lender exception for loan amount. - Due Diligence
Vendor-04/07/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 29.57% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.75 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 109.76 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
Low LTV High DSCR |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxx | |||
| 4000122645 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000122353 | D | A | D | A | A | A | A | A | Closed | FCRE2000 | 2026-04-01 11:22 | 2026-04-03 12:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Incomplete or Unexecuted Purchase Contract | Resolved-Purchase Contract Issue Resolved - Due Diligence
Vendor-04/03/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-04/02/2026 Open-Purchase Contract is Partial copy. The file only reflects a single page Addensum extending the closing date. No other terms provided. - Due Diligence Vendor-04/01/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence
Vendor-04/03/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of xxx is
Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 34.01% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 34.01% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 36.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000122353 | D | A | D | A | A | A | A | A | Closed | FCRE7000 | 2026-04-01 04:57 | 2026-04-03 12:33 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due
Diligence Vendor-04/03/2026 Ready for Review-Hello, please see attached updated Final 1003, it was included in the CP. Thank you - Due Diligence Vendor-04/02/2026 Open-Total Liquid Assets Available for Close of $0 is less than Total Cash to Close xxx. Total Liquid Assets Available for Close of $0 is less than Total Cash Required to Close xxx. File reflects the xxx EMD only. Per the 1003, an additional Gift of xxx is to be gifted. The gift will not cover the required funds to close. - Due Diligence Vendor-04/01/2026 |
Resolved-Total Liquid Assets Available for Close Resolved - Due
Diligence Vendor-04/03/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of xxx is
Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 34.01% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 34.01% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 36.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000119059 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000122203 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000119642 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000120608 | D | A | A | A | D | A | A | A | Closed | finding-47 | 2026-04-03 06:03 | 2026-04-10 14:46 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved- - Due Diligence Vendor-04/10/2026 Resolved- - Due Diligence Vendor-04/10/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-04/10/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-04/10/2026 Open- - Due Diligence Vendor-04/06/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ************ Disbursement date xxx is prior to the expiration of the rescission period. Please provide Post Consummation Closing Disclosure funding after Rescission period. l - Due Diligence Vendor-04/03/2026 Open- - Due Diligence Vendor-04/03/2026 Open- - Due Diligence Vendor-04/03/2026 |
Resolved- - Due Diligence Vendor-04/10/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.24 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.25 Years |
PCCD_ received, data entered, no additional compliance findings. Thank you | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | |||
| 4000120608 | D | A | A | A | D | A | A | A | Closed | FCOM1231 | 2026-04-02 21:36 | 2026-04-06 10:24 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence
Vendor-04/06/2026 Ready for Review-Please see attached initial signed 1003 - Due Diligence Vendor-04/03/2026 Open-The Initial 1003 is Missing in file - Due Diligence Vendor-04/03/2026 |
Resolved-The Initial 1003 is Present - Due Diligence
Vendor-04/06/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.24 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.25 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000120608 | D | A | A | A | D | A | A | A | Closed | FCOM1797 | 2026-04-03 06:03 | 2026-04-06 09:50 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Clarification of xxx application date & SPL
provided - Due Diligence Vendor-04/06/2026 Ready for Review-Please see attached SSPL. - Due Diligence Vendor-04/03/2026 Open-SSPL is missing. - Due Diligence Vendor-04/03/2026 |
Resolved-Clarification of xxx application date & SPL
provided - Due Diligence Vendor-04/06/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.24 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.25 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000120608 | D | A | A | A | D | A | A | A | Closed | FCOM7353 | 2026-04-03 17:11 | 2026-04-06 09:50 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-Clarification of xxx application date & SPL
provided - Due Diligence Vendor-04/06/2026 Ready for Review-Application date was on xxx. Please see attached initial 1003. - Due Diligence Vendor-04/03/2026 Open-*** Documentation within the package contains conflicting Application date information. Initial disclosure provided are dated xxx. However the DRIVE Scoring Results shows an application date of xxx, Loan Detail Report shows an application date of xxx. ~~~Please confirm the borrowers application date. (Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount). Thank you - Due Diligence Vendor-04/03/2026 |
Resolved-Clarification of xxx application date & SPL
provided - Due Diligence Vendor-04/06/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.24 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.25 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000122861 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000122640 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000123311 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000120946 | C | A | C | A | A | A | A | A | Closed | FCRE1167 | 2026-04-06 02:37 | 2026-05-12 10:07 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due
Diligence Vendor-05/12/2026 Ready for Review-hoi w rce - Due Diligence Vendor-05/11/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx - Due Diligence Vendor-04/06/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due
Diligence Vendor-05/12/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum
By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The
Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 5.58 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000119232 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000123194 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000118323 | D | A | D | A | A | A | A | A | Closed | FCRE1184 | 2026-04-06 02:28 | 2026-04-22 09:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Approval Info | AUS Not Provided | Resolved-AUS Findings Report is fully present - Due Diligence
Vendor-04/22/2026 Ready for Review-Please see attached - Due Diligence Vendor-04/21/2026 Counter-Document Uploaded. Lenders 1008 states AUS/DU Approved/Eligible. Please provide corrected 1008 to match the Rate Lock of Manual/Traditional - Due Diligence Vendor-04/14/2026 Ready for Review-Good afternoon, Per the UW this was a manual underwritten loan and AUS was not run. Please advise what is needed to cure this condition. - Due Diligence Vendor-04/13/2026 Open-Missing AUS Findings Report The DU findings report for the subject property is missing, so AUS findings information is not able to be entered (AUS LTV, AUS DTI, etc). Please provide. - Due Diligence Vendor-04/06/2026 |
Resolved-AUS Findings Report is fully present - Due Diligence
Vendor-04/22/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or
More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More -
15.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.27 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.17 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.48 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 |
Missing AUS Findings Report | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | |||
| 4000118323 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2026-04-06 15:04 | 2026-04-14 09:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved- - Due Diligence Vendor-04/14/2026 Ready for Review-Please see attached - Due Diligence Vendor-04/13/2026 Counter-Document Uploaded. Incorrect Title Policy provided - Please see attached - The condition is asking for the Subject Loan - Title Policy located at xxx - Due Diligence Vendor-04/09/2026 Ready for Review-Please see attached - Due Diligence Vendor-04/08/2026 Open-Title on file is for xxx to a xxx (pg 576). Please provide title for the subject property at xxx. - Due Diligence Vendor-04/06/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or
More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More -
15.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.27 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.17 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.48 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | |||||
| 4000123959 | C | B | A | A | C | B | A | A | Closed | finding-3631 | 2026-04-06 11:31 | 2026-04-14 09:42 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Cured-**Received cure package - Due Diligence Vendor-04/14/2026
Resolved-**Received cure package - Due Diligence Vendor-04/14/2026 Resolved- - Due Diligence Vendor-04/14/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-04/13/2026 Open-*********************The following charges have been either added or increased: HOA certification Charge resulting in a 0% tolerance cure in the amount of xxx. Per the Documentation provided the additional charge appears to be due to the an initial lender "under-disclosured charge" in relation to the items the lender actually required. This would not be a valid change of circumstance event, it would be a curable increase. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/06/2026 Open- - Due Diligence Vendor-04/06/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/06/2026 Open- - Due Diligence Vendor-04/06/2026 |
Cured-**Received cure package - Due Diligence Vendor-04/14/2026
Resolved-**Received cure package - Due Diligence Vendor-04/14/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.43 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000123959 | C | B | A | A | C | B | A | A | Closed | finding-3634 | 2026-04-06 11:31 | 2026-04-14 09:41 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-**Received cure package - Due Diligence Vendor-04/14/2026
Resolved-**Received cure package - Due Diligence Vendor-04/14/2026 Resolved- - Due Diligence Vendor-04/14/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-04/13/2026 Open-*********************The following charges have been either added or increased: HOA certification Charge resulting in a 0% tolerance cure in the amount of xxx. Per the Documentation provided the additional charge appears to be due to the an initial lender "under-disclosured charge" in relation to the items the lender actually required. This would not be a valid change of circumstance event, it would be a curable increase. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/06/2026 Open- - Due Diligence Vendor-04/06/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/06/2026 Open- - Due Diligence Vendor-04/06/2026 |
Cured-**Received cure package - Due Diligence Vendor-04/14/2026
Resolved-**Received cure package - Due Diligence Vendor-04/14/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.43 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000123959 | C | B | A | A | C | B | A | A | Closed | finding-3632 | 2026-04-06 11:31 | 2026-04-14 09:35 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-**Received cure package - Due Diligence
Vendor-04/14/2026 Resolved- - Due Diligence Vendor-04/14/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-04/13/2026 Open-*********************The following charges have been either added or increased: HOA certification Charge resulting in a 0% tolerance cure in the amount of xxx. Per the Documentation provided the additional charge appears to be due to the an initial lender "under-disclosured charge" in relation to the items the lender actually required. This would not be a valid change of circumstance event, it would be a curable increase. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/06/2026 Open- - Due Diligence Vendor-04/06/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/06/2026 Open- - Due Diligence Vendor-04/06/2026 |
Resolved-**Received cure package - Due Diligence
Vendor-04/14/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.43 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000122179 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000122216 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000118883 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000119520 | D | A | A | A | D | A | A | A | Closed | FCOM1511 | 2026-04-06 14:49 | 2026-04-23 08:34 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Missing | Resolved-Per Guidelines: Departing Residence obligation can be
Excluded (if no contract in place) - Currently listed or signed letter of
intent from borrower indicating they intend to list the departure residence
for sale within ninety (90) days of closing on subject transaction. Lender
provided the Current MLS listing "active" for the departing
residence. - Due Diligence
Vendor-04/23/2026 Ready for Review-Guidelines - Due Diligence Vendor-04/22/2026 Counter-Per xxx guidelines, a departing residence's PITIA (Principal, Interest, Taxes, Insurance, and HOA) can be excluded from the debt-to-income (DTI) ratio, provided the home is under a signed sales contract with all contingencies cleared. Missing Documentation to support departing residence is currently pending purchase. - Due Diligence Vendor-04/21/2026 Ready for Review-MLS and Appraisal associated with Departing residence to document omission - Due Diligence Vendor-04/16/2026 Open-Missing settlement statement for xxx departing residence to verify property sold exclude property from ratios per UW comments per 1008 notes. - Due Diligence Vendor-04/06/2026 |
Resolved-Per Guidelines: Departing Residence obligation can be
Excluded (if no contract in place) - Currently listed or signed letter of
intent from borrower indicating they intend to list the departure residence
for sale within ninety (90) days of closing on subject transaction. Lender
provided the Current MLS listing "active" for the departing
residence. - Due Diligence
Vendor-04/23/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 59.32% Is Below The Guideline Maximum Of 90% By Ten
Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.58 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.95% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.18 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000119745 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000122270 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-04-07 10:38 | 2026-04-08 15:32 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date - Due
Diligence Vendor-04/08/2026 Ready for Review-Please see attached file. Thank you. - Due Diligence Vendor-04/08/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-04/07/2026 |
Resolved-***Received confirmation of the application date - Due
Diligence Vendor-04/08/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 58.24% Is Below The Guideline Maximum Of 80% By Ten
Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.73% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000113816 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2026-04-07 10:10 | 2026-05-04 12:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due
Diligence Vendor-05/04/2026 Ready for Review-GAP CREDIT UPLOADED - Due Diligence Vendor-05/01/2026 Counter-CBR dated xxx provided however the condition is for GAP report prior to Close - Due Diligence Vendor-04/24/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/24/2026 Ready for Review-credit report - soft pull - Due Diligence Vendor-04/23/2026 Open-Borrower 1 Gap Credit Report is Missing, Guidelines reuires alternate confirmation that there is no new debt. - Due Diligence Vendor-04/07/2026 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due
Diligence Vendor-05/04/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.11 Low Credit Usage Ratio Of Twenty-Five Percent (25%)
Or Less - Credit Line Usage Ratio equals 0.11 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.91 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.91 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.5 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 13.5 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.06% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 21.06% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000122289 | D | A | D | A | A | A | A | A | Closed | FVAL1310 | 2026-04-07 01:19 | 2026-04-28 17:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence
Vendor-04/28/2026 Ready for Review-Condo Questionnaire - Due Diligence Vendor-04/28/2026 Open-HOA Questionnaire Document status is Missing. HOA Questionnaire Document status is Missing. - Due Diligence Vendor-04/07/2026 |
Resolved-HOA Questionnaire is Provided - Due Diligence
Vendor-04/28/2026 |
Twenty-Four (24) Months Housing History Reviewed With No Late
Payments - Twenty-Four (24) Months Housing History Reviewed With No Late
Payments Twenty-Four (24) Months Housing History Reviewed With No Late
Payments Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.75 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 13.75 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000117746 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000121197 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000123190 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000123191 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000102374 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000116594 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000120005 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-04-10 08:02 | 2026-04-13 12:46 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-**Received PCCD - Due Diligence Vendor-04/13/2026 Resolved- - Due Diligence Vendor-04/13/2026 Ready for Review-Hello Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxx. Thank you - Due Diligence Vendor-04/10/2026 Open-******* Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-04/10/2026 Open- - Due Diligence Vendor-04/10/2026 Open- - Due Diligence Vendor-04/10/2026 Open- - Due Diligence Vendor-04/10/2026 Open- - Due Diligence Vendor-04/10/2026 |
Resolved-**Received PCCD - Due Diligence Vendor-04/13/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 29.8% Is Less Than The Guideline
Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.56 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000120680 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | ||||||||||||||||||||
| 4000124119 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000122162 | C | B | C | B | A | A | A | A | Closed | FCRE8138 | 2026-04-10 08:44 | 2026-04-21 07:15 | Waived | 2 - Non-Material | C | B | Credit | Income | DSCR is less than the guideline minimum | Waived-Exception granted with supporting comp factors: Request
is to allow DSCR below .75 and this closed loan. Our system rounded the DSCR
of .749 up to .75 and so we delivered the loan thinking we met
guidelines - Due Diligence
Vendor-04/21/2026 Ready for Review-exception approval - Due Diligence Vendor-04/20/2026 Counter-Document Uploaded. An approved Lender exception needed for DSCR calculation is below the min requirement of 0.75 per Guidelines. - Due Diligence Vendor-04/14/2026 Ready for Review-hi, it looks like our calculation worksheet rounds to the nearest hundredths place. so .748 is .75. please advise on what needs to be done - Due Diligence Vendor-04/13/2026 Open-Calculated DSCR of 0.748 is less than guideline DSCR of 0.75. - Due Diligence Vendor-04/10/2026 |
Waived-Exception granted with supporting comp factors: Request
is to allow DSCR below .75 and this closed loan. Our system rounded the DSCR
of .749 up to .75 and so we delivered the loan thinking we met
guidelines - Due Diligence
Vendor-04/21/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 60.14 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.25 Years |
50 months
reserves 70% LTV 119 points credit score |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxx | |||
| 4000122079 | C | B | C | B | A | A | A | A | Closed | FCRE1194 | 2026-04-10 10:01 | 2026-05-01 10:54 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception granted with supporting comp factors: 80% ltv
max approved - The DSCR income worksheet that was completed mistakenly
rounded the DSCR figure to 1 as opposed to the correct figure of 0.996,
therefore the allowable LTV of 80% was utilized instead of 75% - Due
Diligence Vendor-05/01/2026 Ready for Review-Exception Approval - Due Diligence Vendor-04/30/2026 Open-Audited LTV of 80% exceeds Guideline LTV of 75%. Subject PITIA = xxx matches 1008, subject comparable rent = xxx, results in a DSCR of 0.996, maximum 75% ltv a dscr < 1.0. - Due Diligence Vendor-04/10/2026 |
Waived-Exception granted with supporting comp factors: 80% ltv
max approved - The DSCR income worksheet that was completed mistakenly
rounded the DSCR figure to 1 as opposed to the correct figure of 0.996,
therefore the allowable LTV of 80% was utilized instead of 75% - Due
Diligence Vendor-05/01/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 10.47 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Month Months Reserves Of 10.47 Are Greater
Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Credit/ payment history/payment history, History of rental ownership & mortgage payments | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxx | |||
| 4000123518 | D | A | D | A | A | A | A | A | Closed | FCRE1182 | 2026-04-13 03:24 | 2026-05-12 14:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-05/12/2026 Ready for Review-1008 - Due Diligence Vendor-05/12/2026 Open-1008/Underwriting Summary Not Provided Missing 1008 - Due Diligence Vendor-04/13/2026 |
Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-05/12/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 29.4 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000122612 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000121967 | C | A | C | A | A | A | A | A | Closed | FCRE8138 | 2026-04-10 16:15 | 2026-04-14 11:21 | Resolved | 1 - Information | C | A | Credit | Income | DSCR is less than the guideline minimum | Resolved-Calculated DSCR of 1.929 meets guideline minimum DSCR
of 1. - Due Diligence Vendor-04/14/2026 Resolved-Calculated DSCR of 23.151 meets guideline minimum DSCR of 1. - Due Diligence Vendor-04/14/2026 Ready for Review-Document Uploaded. - Seller-04/13/2026 Open-Calculated DSCR of 0.780 is less than guideline DSCR of 1. Validated form 1007 ( xxx monthly) rental income and PITI docs in file xxx,. LTV at 79.605 per loan approval in file. - Due Diligence Vendor-04/10/2026 |
Ready for Review-Document Uploaded. - Seller-04/13/2026 |
Resolved-Calculated DSCR of 1.929 meets guideline minimum DSCR
of 1. - Due Diligence Vendor-04/14/2026 Resolved-Calculated DSCR of 23.151 meets guideline minimum DSCR of 1. - Due Diligence Vendor-04/14/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 11.73 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | |||
| 4000116985 | D | A | D | A | D | A | A | A | Closed | FCOM1227 | 2026-04-13 03:29 | 2026-06-03 09:10 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-Corrected Signed DOT with PUD rider and Email from
title company of re-recording was provided
- Due Diligence Vendor-06/03/2026 Ready for Review-Email from Title verifying recording - Due Diligence Vendor-06/02/2026 Counter-It appears the DOT was resigned (dated xxx) Please provide page 1 re-record declaration or cover sheet stating the reason for the re-record and Email or other documentation from title confirming they will re-execute/re-record. - Due Diligence Vendor-06/02/2026 Ready for Review-DOT with PUD Rider - Due Diligence Vendor-06/01/2026 Open-PUD Rider is Missing - Due Diligence Vendor-04/13/2026 |
Resolved-Corrected Signed DOT with PUD rider and Email from
title company of re-recording was provided
- Due Diligence Vendor-06/03/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 7.33 Years
Borrower At Current Residence For Five (5) Or More Years - 7.33 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.17% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Original LTV Of 52.17% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.92 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.92 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.06 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.06 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 203.75 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 203.75 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.06 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.06 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000116985 | D | A | D | A | D | A | A | A | Closed | FCRE1182 | 2026-04-13 05:16 | 2026-04-13 13:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-04/13/2026 Ready for Review-1008 - Due Diligence Vendor-04/13/2026 Open-1008/Underwriting Summary Not Provided. - Due Diligence Vendor-04/13/2026 |
Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-04/13/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 7.33 Years
Borrower At Current Residence For Five (5) Or More Years - 7.33 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.17% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Original LTV Of 52.17% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.92 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.92 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.06 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.06 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 203.75 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 203.75 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.06 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.06 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000122195 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000120642 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000121737 | D | A | D | A | A | A | A | A | Closed | FCRE1167 | 2026-04-13 22:05 | 2026-05-06 11:05 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due
Diligence Vendor-05/06/2026 Ready for Review-RCE - Due Diligence Vendor-05/05/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx - Due Diligence Vendor-04/14/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due
Diligence Vendor-05/06/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or
More Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent
(10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 473.5 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000121737 | D | A | D | A | A | A | A | A | Closed | FCRE1803 | 2026-04-14 10:02 | 2026-05-06 11:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Schedule of Real Estate all Parties Incomplete | Resolved-HOI docs provided - Due Diligence Vendor-05/06/2026 Ready for Review-HOI for REO - Due Diligence Vendor-05/05/2026 Counter-Document Uploaded. Per Final 1003 there is a xxx additional months property cost that is either from taxes, property insurance or HOA. Please provide documentation to support the xxx not listed on mortgage statement provided. (Mortgage statement provided only shows xxx for the PITI payment - Due Diligence Vendor-04/29/2026 Ready for Review-REO Docs - Due Diligence Vendor-04/28/2026 Open-xxx Lender considered additional payment for REO at xxx. Please provide proof of what the payment is for in relation to the property. QC recognizes that Taxes/HOI is escrowed into the monthly payments and no HOA lox imaged page #593. - Due Diligence Vendor-04/14/2026 |
Resolved-HOI docs provided - Due Diligence Vendor-05/06/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or
More Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent
(10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 473.5 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000121502 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000124185 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000125034 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000115771 | D | A | D | A | A | A | A | A | Closed | FCRE1748 | 2026-04-14 07:08 | 2026-05-07 18:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Certificate of Occupancy is missing | Resolved- - Due Diligence Vendor-05/07/2026 Ready for Review-Property Use LOE - Due Diligence Vendor-05/07/2026 Counter-Lender provided seller disclosure but we need buyer/borrower's certificate of business purpose or occupancy to show purchase is for business purposes. - Due Diligence Vendor-05/04/2026 Ready for Review-Occupancy Cert - Due Diligence Vendor-05/01/2026 Open-Missing occupancy disclosure showing borrower buying for investment purposes. - Due Diligence Vendor-04/14/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 51.92 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | |||||
| 4000123524 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000121545 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000120004 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000123379 | C | A | C | A | C | A | A | A | Closed | FCRE1193 | 2026-04-21 20:46 | 2026-05-14 12:41 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 41.52% is less than or equal to
Guideline DTI of 55% - Due Diligence
Vendor-05/14/2026 Resolved-Income updated with additional information - Due Diligence Vendor-05/07/2026 Ready for Review-Per our guide, Officer compensation is allowed to be added back to the calculation. The discrepancy is due to adding in xxx for compensation of officer back into the income calculation. Please waive the condition. - Due Diligence Vendor-05/06/2026 Open-Loan locked at 42% DTI and not a FTHB. Based on the documents shown, borrower is a FTHB. Additionally, DTI discrepancy is coming from the income calculation. Client used YTD P&L plus prior year amounts of xxx (YTD 2 months) and xxx (2025 12 months) were used (monthly used was xxx) when the amounts should have been xxx (YTD 2 month) + xxx (2025 12 months) divided by 14 to get xxx. - Due Diligence Vendor-04/22/2026 |
Resolved-Audited DTI of 41.52% is less than or equal to
Guideline DTI of 55% - Due Diligence
Vendor-05/14/2026 Resolved-Income updated with additional information - Due Diligence Vendor-05/07/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten
Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 49.48% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000123379 | C | A | C | A | C | A | A | A | Closed | FCOM7353 | 2026-04-15 06:49 | 2026-04-16 08:50 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date - Due
Diligence Vendor-04/16/2026 Ready for Review-Please see attached application date registered in our system. - Due Diligence Vendor-04/16/2026 Open-Documentation provided does not include confirmation of the borrower’s application date. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you. - Due Diligence Vendor-04/15/2026 |
Resolved-***Received confirmation of the application date - Due
Diligence Vendor-04/16/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten
Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 49.48% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000124199 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 4000121198 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000124464 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000123968 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000123449 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000108432 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000124577 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000125098 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000124666 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000121978 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000125816 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000116841 | C | A | C | A | A | A | A | A | Closed | FCRE1194 | 2026-04-19 23:52 | 2026-05-05 15:07 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Updated guides/matrix sent to us and max is now
75% - Due Diligence Vendor-05/05/2026
Counter-Document Uploaded. per Guidelines: DSCR >0.75-0.99 Purchase with a Min Fico of xxx and a Loan amount of <xxx is 70% LTV - Subject is located in a Rural location (per appraisal) 10% LTV reduction is required. Audited LTV is 60% - Due Diligence Vendor-04/22/2026 Ready for Review-per UW, Max LTV for a Purchase, DSCR >=0.75 is 75%, the current LTV is 75% - Due Diligence Vendor-04/21/2026 Open-Audited LTV of 75% exceeds Guideline LTV of 60% Missing lender exception for LTV, 70% for < 1.0 DSCR, additional 10% reduced for rural property as noted by appraiser - Due Diligence Vendor-04/20/2026 |
Resolved-Updated guides/matrix sent to us and max is now
75% - Due Diligence
Vendor-05/05/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.6 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000116841 | C | A | C | A | A | A | A | A | Closed | FCRE1172 | 2026-04-20 06:20 | 2026-04-29 12:31 | Resolved | 1 - Information | C | A | Credit | Insurance | Flood Insurance Minimum Coverage Not Met | Resolved-Coverage for flood includes 100% replacement cost. - Due Diligence Vendor-04/29/2026 Counter-Document Uploaded. The Building coverage states xxx and the Replacement cost states xxx - Due Diligence Vendor-04/22/2026 Ready for Review-RCV is covered at 100% - Due Diligence Vendor-04/21/2026 Open-Flood Insurance Coverage Amount of xxx does not meet minimum required coverage amount Missing evidence of sufficient flood insurance coverage. Wright Insurance application shows Replacement cost of xxx. - Due Diligence Vendor-04/20/2026 |
Resolved-Coverage for flood includes 100% replacement cost. - Due Diligence Vendor-04/29/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.6 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000116841 | C | A | C | A | A | A | A | A | Closed | FCRE1167 | 2026-04-20 06:20 | 2026-04-22 11:12 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due
Diligence Vendor-04/22/2026 Ready for Review-HOI shows RCV is covered at 100% - Due Diligence Vendor-04/21/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx Missing evidence of sufficient hazard insurance OR satisfactory RCE. - Due Diligence Vendor-04/20/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due
Diligence Vendor-04/22/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.6 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000121350 | D | A | D | A | A | A | A | A | Closed | FCRE1184 | 2026-04-20 10:16 | 2026-05-11 16:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Approval Info | AUS Not Provided | Resolved-AUS Findings Report is fully present - Due Diligence
Vendor-05/11/2026 Ready for Review-D xxx - Due Diligence Vendor-05/11/2026 Counter-The Condition is for the Missing AUS/DU Approved/Eligible CASE xxx as listed on the Lenders 1008 (please review screenshot uploaded within the condition. - Due Diligence Vendor-05/01/2026 Ready for Review-Lox and screen shot attached - Due Diligence Vendor-04/30/2026 Counter-Document Uploaded. Apologies for the confusion, the Lenders 1008 states AUS/DU Approved/Eligible case #xxx - Due Diligence Vendor-04/27/2026 Ready for Review-Per UW, please see attachment - Due Diligence Vendor-04/27/2026 Open-Missing AUS Findings Report Approve/Eligible. UCD Findings Report page 440. - Due Diligence Vendor-04/20/2026 |
Resolved-AUS Findings Report is fully present - Due Diligence
Vendor-05/11/2026 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | |||||
| 4000121350 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-04-20 00:49 | 2026-04-27 12:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-REO documents provided
- Due Diligence Vendor-04/27/2026 Ready for Review-Taxes insurance and HOA for xxx - Due Diligence Vendor-04/27/2026 Open-Missing Tax, insurance and OR HOA fees for xxx - Due Diligence Vendor-04/20/2026 |
Resolved-REO documents provided
- Due Diligence Vendor-04/27/2026 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | |||||
| 4000124696 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000125043 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-04-20 08:42 | 2026-04-21 13:49 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance
findings. Thank you - Due Diligence Vendor-04/21/2026 Ready for Review-Hello Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxx. Thank you - Due Diligence Vendor-04/21/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ***The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 |
Resolved-PCCD received, data entered, no additional compliance
findings. Thank you - Due Diligence Vendor-04/21/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 14.93 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 34.06% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.91% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000120662 | D | A | D | A | A | A | C | A | Closed | FPRO9736 | 2026-04-22 10:01 | 2026-05-12 15:14 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | Valuation review product does not support the original appraisal within -10.0% | Resolved-CDA with satisfactory review rating provided. - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. - Seller-05/12/2026 Counter-Rating agencies require a review product to be within 10% of the original appraisal. Is there another desk review? if not a BPO/AVM can work if they are within 10% as well. AVM would have to meet the minimum confidence score. - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. - Seller-04/29/2026 Counter-Desk review provided is not within 10% of the appraisal value. Please provide a viable appraisal review product within 10% of the original appraised value. - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. - Seller-04/22/2026 Open-Field review provided is greater than -10% variance from the primary valuation (actual variance -13.34%). CU score and LCA score both 0. Provide a 3rd party valuation. - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. - Seller-05/12/2026 Ready for Review-Document Uploaded. - Seller-04/29/2026 Ready for Review-Document Uploaded. - Seller-04/22/2026 |
Resolved-CDA with satisfactory review rating provided. - Due Diligence Vendor-05/12/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 18% Is Less Than The Guideline
Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.99% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.29 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.05 Years |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | |||
| 4000120662 | D | A | D | A | A | A | C | A | Closed | FCRE1813 | 2026-04-21 10:01 | 2026-04-23 12:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Overview Incomplete | Resolved-EIN provided -
Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. - Seller-04/22/2026 Open-Missing evidence of EIN for xxx. - Due Diligence Vendor-04/21/2026 |
Ready for Review-Document Uploaded. - Seller-04/22/2026 |
Resolved-EIN provided -
Due Diligence Vendor-04/23/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 18% Is Less Than The Guideline
Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.99% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.29 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.05 Years |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | |||
| 4000115199 | D | A | D | A | A | A | A | A | Closed | FCRE6914 | 2026-04-20 22:31 | 2026-05-06 16:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-ID provided - Due Diligence Vendor-05/06/2026 Ready for Review-B2 Patriot Act ID Cert and DL - Due Diligence Vendor-05/06/2026 Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) Citizenship documentation for Borrower 2 is missing. No identification or Patriot Act information was found in the loan file for this borrower. - Due Diligence Vendor-04/21/2026 |
Resolved-ID provided - Due Diligence Vendor-05/06/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Validated Months Reserves Of 58.94 Are Greater Than The
Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 24.32% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 18.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxx | |||
| 4000122942 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000123177 | D | A | D | A | A | A | A | A | Closed | FCRE5116 | 2026-04-21 03:27 | 2026-05-12 14:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Evidence F&C provided - Due Diligence
Vendor-05/12/2026 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-05/12/2026 Ready for Review-VOM - Due Diligence Vendor-05/12/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Verification of Mortgage (VOM) Document is Missing. - Due Diligence Vendor-04/21/2026 |
Resolved-Evidence F&C provided - Due Diligence
Vendor-05/12/2026 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-05/12/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 26.93% Is Less Than The Guideline
Maximum Of 55% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.25 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 368.98 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000122813 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000124467 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000123521 | C | A | A | A | C | A | A | A | Closed | FCOM4227 | 2026-04-22 06:41 | 2026-05-12 11:18 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-***Received missing disclosures - Due Diligence
Vendor-05/12/2026 Ready for Review-Please see initial CD sent to borrower xxx along with Audit Log - Due Diligence Vendor-05/11/2026 Open-*******Closing date is xxx. Original file appears to be missing the Initial CD issued at least 3 business days prior to closing. Lender to provide a copy of the Initial CD with evidence of delivery to the borrower. Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-04/22/2026 |
Resolved-***Received missing disclosures - Due Diligence
Vendor-05/12/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.09 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 45.34% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.29 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000123521 | C | A | A | A | C | A | A | A | Closed | finding-3939 | 2026-04-22 06:38 | 2026-05-12 11:17 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-**Received missing disclosures. - Due Diligence
Vendor-05/12/2026 Resolved- - Due Diligence Vendor-05/12/2026 Ready for Review-Please see revised LE dated xxx provided to borrower after rate lock - Due Diligence Vendor-05/11/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx and xxx. Missing Locked LE **** Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable) is required to be provided to the consumer within 3 business days after loan is Locked. Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx . A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-**Received missing disclosures. - Due Diligence
Vendor-05/12/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.09 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 45.34% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.29 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000124503 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000122777 | D | A | D | A | A | A | A | A | Closed | FCRE7000 | 2026-04-22 03:41 | 2026-04-23 13:04 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due
Diligence Vendor-04/23/2026 Ready for Review-CD shows cash to close at xxx, which matches the funds per ledger. Looks like the xxx might be from a different calc and doesn't reflect the final figures. - Due Diligence Vendor-04/22/2026 Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx. - Due Diligence Vendor-04/22/2026 |
Resolved-Total Liquid Assets Available for Close Resolved - Due
Diligence Vendor-04/23/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000122777 | D | A | D | A | A | A | A | A | Closed | FCRE9959 | 2026-04-22 01:57 | 2026-04-23 13:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing final closing disclosure/settlement statement/equivalent | Resolved-Final Settlement Statement/equivalent Provided - Due
Diligence Vendor-04/23/2026 Ready for Review-Please see attached. - Due Diligence Vendor-04/22/2026 Open-Missing Final Settlement Statement/equivalent Missing Final CD and Settlement Statement, Final DC given on page no 437 does not have borrower signature. - Due Diligence Vendor-04/22/2026 |
Resolved-Final Settlement Statement/equivalent Provided - Due
Diligence Vendor-04/23/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000118060 | D | A | D | A | A | A | A | A | Closed | FCRE6914 | 2026-04-22 07:42 | 2026-06-03 15:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-Borrower 2 Citizenship Documentation Provided or Not
Required (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is
Present) - Due Diligence Vendor-06/03/2026 Ready for Review-B2 Permanent Resident Care + Extension - Due Diligence Vendor-06/03/2026 Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) B2 Citizenship unclear. 1003 shows US Citizen but that is crossed out and Permanent Resident alien initialed with no further information provided. Please clarify citizenship. - Due Diligence Vendor-04/22/2026 |
Resolved-Borrower 2 Citizenship Documentation Provided or Not
Required (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is
Present) - Due Diligence Vendor-06/03/2026 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | |||||
| 4000125411 | C | B | C | B | A | A | A | A | Closed | FCRE1198 | 2026-04-23 11:28 | 2026-06-02 17:22 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client provided guideline exception allowing for reserves
(5) less than the minimum (6) based on comp factors provided. - Due Diligence Vendor-06/02/2026 Open-Audited Reserves of 5.48 are less than Guideline Required Reserves of 6 - Due Diligence Vendor-06/02/2026 Ready for Review-Please find attached supporting documentation sent with the exception that was approved (with pricing implication) and should clear the condition. Please escalate. - Due Diligence Vendor-06/02/2026 Counter-The approved exception form states Approved for 5 months reserves validated vs 6 months however Audited reserves are 0.23 months / short by 5.77 months - Due Diligence Vendor-06/02/2026 Ready for Review-Please see attached xxx exception approval for this condition. - Due Diligence Vendor-06/01/2026 Counter-Bank statement is after closing and shows large transfer from other xxx. (deposit of xxx) Based on 1003 the gift letter was to be xxx but the actual one in file is xxx. Is there another gift letter and deposit? - Due Diligence Vendor-05/18/2026 Ready for Review-Please find attached updated bank statement. - Due Diligence Vendor-05/15/2026 Open-Audited Reserves of 0.23 are less than Guideline Required Reserves of 6 Provide Missing 5.77 months reserves short = to xxx. Gift letter asset states in Final 1003 balance of xxx. however actual gift letter in file shows wire sent to escrow for xxx. - Due Diligence Vendor-04/23/2026 |
Waived-Client provided guideline exception allowing for reserves
(5) less than the minimum (6) based on comp factors provided. - Due Diligence Vendor-06/02/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or
More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More -
10.86 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.87 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.72% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
20% down payment; xxx FICO; < 35% DTI; xxx residual income; | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxx | |||
| 4000125432 | C | A | C | A | A | A | A | A | Closed | FCRE7000 | 2026-04-23 11:09 | 2026-04-27 10:26 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due
Diligence Vendor-04/27/2026 Ready for Review-Hello Team, please see attached the Post Consummation CD and Final SS showing the cash to close is only xxx and the cash available is xxx. So borrower has enough the fund to close. please waive this condition. thank you - Due Diligence Vendor-04/24/2026 Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx. Provide documentation evidencing sufficient funds to close, as Total Liquid Assets Available of xxx is insufficient to meet the Total Cash to Close of xxx resulting in a shortfall of xxx (additional conditions may apply upon review). - Due Diligence Vendor-04/23/2026 |
Resolved-Total Liquid Assets Available for Close Resolved - Due
Diligence Vendor-04/27/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.04 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000124523 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||
| 4000125634 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-04-23 10:43 | 2026-04-27 12:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Lender provided proof of HOI for other REO property xxx
- Due Diligence Vendor-04/27/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-04/24/2026 Counter-Document Uploaded. Missing HOI policy- Borrower is on mortgage and responsible for "all" cost associated. Principle, Interest, Taxes, insurance and HOA if applicable. - Due Diligence Vendor-04/24/2026 Ready for Review-Hello Team, the borrower is on the mortgage only for xxx, not on the title of this house. Please see attached PP. Please waive this condition. Thank you - Due Diligence Vendor-04/23/2026 Open-We are missing HOI from xxx - we have the unescrowed mortgage statement and the taxes per pg 341, but after reviewing the file it does not look like an HOI is on file for xxx. Please provide. - Due Diligence Vendor-04/23/2026 |
Resolved-Lender provided proof of HOI for other REO property xxx
- Due Diligence Vendor-04/27/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 28.06% Is Less Than The Guideline
Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.9% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.12 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000125634 | D | A | D | A | A | A | A | A | Closed | FCRE1812 | 2026-04-23 12:49 | 2026-04-24 10:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Overview Missing | Resolved-Business Purpose doc provided - Due Diligence
Vendor-04/24/2026 Ready for Review-Hello Team, please see attached, thank you - Due Diligence Vendor-04/23/2026 Open-Missing business purpose affidavit - Due Diligence Vendor-04/23/2026 |
Resolved-Business Purpose doc provided - Due Diligence
Vendor-04/24/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 28.06% Is Less Than The Guideline
Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.9% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.12 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000124531 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000123477 | D | A | D | A | A | A | A | A | Closed | FCRE1198 | 2026-04-23 05:17 | 2026-05-07 14:16 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 9.88 are greater than or equal to
Guideline Required Reserves of 6 - Due Diligence Vendor-05/07/2026 Ready for Review-Please see additional asset! Thank you! - Due Diligence Vendor-05/06/2026 Counter-Missing an Approved 'Investor -xxx" Lender Exception form - Due Diligence Vendor-04/29/2026 Ready for Review-Could you please consider waiving this reserve condition? Based on the remaining assets, we are able to cover approximately 2 months of reserves. Would this be sufficient, or could the condition be waived in this case? - Due Diligence Vendor-04/29/2026 Counter-Document Uploaded. Per Guidelines: Investment properties ≤ xxx require 6 months Reserves - Audited Assets xxx - CTC xxx / reserves are short by -xxx - Due Diligence Vendor-04/28/2026 Ready for Review-The funds are from the cash-out proceeds of concurrent file. Please see attached and clear the condition~! Thank you! - Due Diligence Vendor-04/28/2026 Open-Audited Reserves of are less than Guideline Required Reserves of 6 Missing evidence of secured borrowed funds xxx stated in final 1003. - Due Diligence Vendor-04/23/2026 |
Resolved-Audited Reserves of 9.88 are greater than or equal to
Guideline Required Reserves of 6 - Due Diligence Vendor-05/07/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000123477 | D | A | D | A | A | A | A | A | Closed | FCRE1469 | 2026-04-23 05:14 | 2026-05-07 14:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence
Vendor-04/28/2026 Ready for Review-The funds are from the cash-out proceeds of concurrent file - Due Diligence Vendor-04/28/2026 Open-Asset 3 Missing Missing evidence of secured borrowed funds xxx stated in final 1003. - Due Diligence Vendor-04/23/2026 |
Resolved-Asset 3 Provided Or Not Applicable - Due Diligence
Vendor-04/28/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000123477 | D | A | D | A | A | A | A | A | Closed | FCRE7000 | 2026-04-23 09:35 | 2026-05-07 14:13 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due
Diligence Vendor-04/28/2026 Ready for Review-The funds are from the cash-out proceeds of concurrent file. Please see attached and clear the condition~! Thank you! - Due Diligence Vendor-04/28/2026 Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx. Missing evidence of secured borrowed funds xxx stated in final 1003. - Due Diligence Vendor-04/23/2026 |
Resolved-Total Liquid Assets Available for Close Resolved - Due
Diligence Vendor-04/28/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000122324 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000124174 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000121944 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000123392 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-04-24 13:40 | 2026-04-29 15:35 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date - Due
Diligence Vendor-04/29/2026 Ready for Review-Here you are. - Due Diligence Vendor-04/28/2026 Open-***Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-04/24/2026 |
Resolved-***Received confirmation of the application date - Due
Diligence Vendor-04/29/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 53.79% Is Below The Guideline Maximum Of 80% By Ten
Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000125920 | C | A | A | A | A | A | C | A | Closed | FVAL2477 | 2026-04-23 12:27 | 2026-04-28 12:55 | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved- - Due Diligence Vendor-04/28/2026 Ready for Review-Appraisal attached - Due Diligence Vendor-04/27/2026 Open-Provide complete missing full appraisal- Uniform Residential Appraisal Report (URAR) with color photos is required xxx form 1004 / xxx Form 70 for use on one-unit properties including individual units in Planned. -Full Appraisal in file only has first two pages as well as appraisal update report. - Due Diligence Vendor-04/23/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 79.06 Are Greater Than The Guideline
Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.15% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.83 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxx | |||||
| 4000125920 | C | A | A | A | A | A | C | A | Closed | FPRO1136 | 2026-04-28 12:53 | 2026-04-28 12:54 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is
completed on an As-Is Basis, the 1004D Completion Report is fully present, or
Not Applicable - Due Diligence Vendor-04/28/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present - Due Diligence Vendor-04/28/2026 |
Resolved-Primary Value for Subject Property Appraisal is
completed on an As-Is Basis, the 1004D Completion Report is fully present, or
Not Applicable - Due Diligence Vendor-04/28/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 79.06 Are Greater Than The Guideline
Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.15% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.83 Years |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxx | |||||
| 4000124177 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000126839 | D | A | D | A | A | A | A | A | Closed | FCRE1162 | 2026-04-23 09:02 | 2026-04-24 09:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Certificate Partially Provided | Resolved-Flood Certificate is fully present - Due Diligence
Vendor-04/24/2026 Ready for Review-Please see attached - Due Diligence Vendor-04/23/2026 Open-Flood Certificate is Partially Provided. Majority of certificate is illegible and a clear copy is required. - Due Diligence Vendor-04/23/2026 |
Resolved-Flood Certificate is fully present - Due Diligence
Vendor-04/24/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 27.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000122520 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000125028 | D | A | D | A | C | A | A | A | Closed | finding-47 | 2026-04-24 06:19 | 2026-04-29 17:23 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance
findings. Thank you - Due Diligence Vendor-04/29/2026 Resolved- - Due Diligence Vendor-04/29/2026 Ready for Review-Hello Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxx. Thank you - Due Diligence Vendor-04/27/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ***The Final CD shows a funding date of xxx- which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/24/2026 Open- - Due Diligence Vendor-04/24/2026 |
Resolved-PCCD received, data entered, no additional compliance
findings. Thank you - Due Diligence Vendor-04/29/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.07 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.94 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.88% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000125028 | D | A | D | A | C | A | A | A | Closed | FCRE1202 | 2026-04-24 13:51 | 2026-04-28 13:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Fraud report provided
- Due Diligence Vendor-04/28/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-04/27/2026 Open-Pending receipt of an updated Fraud Report reflecting all open alerts cleared (SSN alert open). The current report was received with unresolved alerts, and all alerts must be cleared regardless of risk level. - Due Diligence Vendor-04/24/2026 |
Resolved-Fraud report provided
- Due Diligence Vendor-04/28/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.07 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.94 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.88% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000124312 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000122823 | C | A | A | A | C | A | A | A | Closed | finding-3939 | 2026-04-24 09:46 | 2026-05-14 13:17 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-***Received revised LE - Due Diligence
Vendor-05/14/2026 Ready for Review-COC with LE reflecting loan locked - Due Diligence Vendor-05/12/2026 Open-*****Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days. - Due Diligence Vendor-04/27/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. - Due Diligence Vendor-04/24/2026 Open- - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/24/2026 Open- - Due Diligence Vendor-04/24/2026 Open- - Due Diligence Vendor-04/24/2026 Open- - Due Diligence Vendor-04/24/2026 |
Resolved-***Received revised LE - Due Diligence
Vendor-05/14/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 67.32% Is Below The Guideline Maximum Of 90% By Ten
Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.95 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.62 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.87 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 3 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 3 Has Stable Time In Profession By Ten (10) Years Or More - 14 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.58 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.02% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000124872 | C | A | C | A | A | A | A | A | Closed | FCRE1176 | 2026-04-29 12:35 | 2026-05-06 06:35 | Resolved | 1 - Information | C | A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-Lender provided insurance's agent letter of no claims
during time period. - Due Diligence Vendor-05/06/2026 Ready for Review-Please see the attached no claim letter - Due Diligence Vendor-05/06/2026 Counter-Thanks for the email, please have the information provided on the insurance agents letterhead instead of the email. Thank you - Due Diligence Vendor-05/04/2026 Ready for Review-The insurance agent advised that changing the effective date may impact the premium. To avoid this, we are providing the attached email confirming no claims between xxx and xxx. - Due Diligence Vendor-05/04/2026 Open-HO-6 Insurance Policy Effective Date of xxx is after the Note Date of xxx, Missing HOI from Travelers showing effective date same or before note date. - Due Diligence Vendor-04/29/2026 |
Resolved-Lender provided insurance's agent letter of no claims
during time period. - Due Diligence Vendor-05/06/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.15 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.66 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000124885 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000126775 | C | A | C | A | A | A | A | A | Closed | FCRE1160 | 2026-04-24 14:00 | 2026-05-05 13:19 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Expiration Date is before the Note Date | Resolved-Hazard Insurance Expiration Date of xxx is after the
Note Date of xxx Or Hazard Insurance Expiration Date Is Not Provided - Due
Diligence Vendor-05/05/2026 Ready for Review-Please review hazard renewal policy. - Due Diligence Vendor-05/05/2026 Counter-hazard renewal policy should cover the closing/note date - Due Diligence Vendor-05/04/2026 Ready for Review-Will you accept just the renewal hazard policy to satisfy the suspense? - Due Diligence Vendor-05/01/2026 Open-Hazard Insurance Expiration Date of xxx is prior to or equal to the Note Date of xxx Policy # xxx for subject property - Due Diligence Vendor-04/24/2026 |
Resolved-Hazard Insurance Expiration Date of xxx is after the
Note Date of xxx Or Hazard Insurance Expiration Date Is Not Provided - Due
Diligence Vendor-05/05/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum
By Six (6) Or More Months Months Reserves Of 122.79 Are Greater Than The
Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000126933 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000124091 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000121631 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 4000124525 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000124586 | D | A | D | A | A | A | A | A | Closed | FCRE7347 | 2026-04-27 05:29 | 2026-06-02 11:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-proof of Lease Agreements provided for both units - Due Diligence Vendor-06/02/2026 Ready for Review--per xxx UW: The appraiser states that one unit is being leased by family member. The guidelines do not require a relationship letter. - Seller-06/01/2026 Counter-Lease agreements for both units provided and proof of rental income receipt units however Apt B states tenant name as xxx which is the same last name as out borrower. No documentation regarding the relationship of tenant and owner. - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. - Seller-05/27/2026 Ready for Review-Document Uploaded. UW's PCCL attached. - Seller-04/29/2026 Counter-2 Part Condition - (1) Per Appraisal - Subject Rent Schedule section states the following: Unit 1 is rented by a relative that helps to manage the place so actual rents are low for unit 1. No other income is produced by this property and no personal property was included. Per Guides: Properties currently being occupied by non-paying tenants/"family members" are not eligible for this business purpose program as the property does not debt service (2) Unit 2 is currently leased on a short term lease for xxx per month. per Guides Properties currently being occupied by non-paying tenants/family members are not eligible for this business purpose program as the property does not debt service and Unit 2 is a short term rental and Guides Short-term rentals are permitted. Proof of receipt for the most recent 12-month period is required. or Provided an Approved Lender Exception. - Due Diligence Vendor-04/29/2026 Ready for Review-This is not a valid deficiency. Please escalate. -per UW on 1008: DSCR= 107.76% using xxx/mo actual rents as reported on Rent Survey / used actual rents from 1007. Lease is NOT required as we did not use a higher amount. - Seller-04/28/2026 Counter-Appraisal states the property is currently being occupied by a tenant - Per DSCR Guidelines: Refinance - Form 1007, 216 or 1025 (for 2-4 units) is required to determine current market rents, Existing lease agreement(s), - If executed lease agreement reflects a higher monthly rent than the 1007 provided by the Appraiser, it may be used in the calculation with sufficient evidence of receipt. Three (3) most recent, consecutive months must be documented. - Due Diligence Vendor-04/28/2026 Ready for Review-This is an erroneous condition, please clear. There is no rental income listed. - Seller-04/27/2026 Open-Lease Agreement is missing for 'xxx' - Due Diligence Vendor-04/27/2026 |
Ready for Review--per xxx UW: The appraiser states that one unit
is being leased by family member. The guidelines do not require a
relationship letter. - Seller-06/01/2026 Ready for Review-Document Uploaded. - Seller-05/27/2026 Ready for Review-Document Uploaded. UW's PCCL attached. - Seller-04/29/2026 Ready for Review-This is not a valid deficiency. Please escalate. -per UW on 1008: DSCR= 107.76% using xxx/mo actual rents as reported on Rent Survey / used actual rents from 1007. Lease is NOT required as we did not use a higher amount. - Seller-04/28/2026 Ready for Review-This is an erroneous condition, please clear. There is no rental income listed. - Seller-04/27/2026 |
Resolved-proof of Lease Agreements provided for both units - Due Diligence Vendor-06/02/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 112.55 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxx | |||
| 4000122089 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000121949 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000124374 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000125543 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000123339 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000125436 | C | A | C | A | C | A | A | A | Closed | FCRE7000 | 2026-04-27 13:12 | 2026-04-30 17:01 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due
Diligence Vendor-04/30/2026 Ready for Review-Hello Team, please see attached the Post Consummation CD and Final SS showing the cash to close is xxx. Thank you - Due Diligence Vendor-04/29/2026 Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx. Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx. Short funds to close by xxx - Due Diligence Vendor-04/27/2026 |
Resolved-Total Liquid Assets Available for Close Resolved - Due
Diligence Vendor-04/30/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.02 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.14 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.37% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000125436 | C | A | C | A | C | A | A | A | Closed | finding-47 | 2026-04-27 15:07 | 2026-04-30 15:22 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance
findings. Thank you - Due Diligence Vendor-04/30/2026 Resolved- - Due Diligence Vendor-04/30/2026 Ready for Review-Hello Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxx. Thank you - Due Diligence Vendor-04/29/2026 Open-******* Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/27/2026 |
Resolved-PCCD received, data entered, no additional compliance
findings. Thank you - Due Diligence Vendor-04/30/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.02 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.14 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.37% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000122600 | D | A | C | A | A | A | D | A | Closed | FCRE1193 | 2026-04-27 15:07 | 2026-05-01 08:29 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 44.36% is less than or equal to
Guideline DTI of 50% - Due Diligence
Vendor-05/01/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-04/30/2026 Counter-Provide an Updated 1008 now reflecting the new Audited DTI of 44.36% after we added rental income for xxx - Due Diligence Vendor-04/30/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-04/29/2026 Counter-Audited Subject Rent loss xxx / REO rent loss xxx / Other Monthly debts xxx = Total Debts xxx - Audited DTI of 50.39% exceeds Guideline DTI of 50% - Due Diligence Vendor-04/28/2026 Ready for Review-Hello Team, please see attached the Updated final 1003. it was included on the CP. Thank you - Due Diligence Vendor-04/27/2026 Open-Audited DTI of 50.39% exceeds Guideline DTI of 50% . 1008 approval reflects a DTI of 48.48%. Cause for difference is final 1003 reflects PITIA of xxx for property xxx which was then offset by gross rents of xxx for a loss of xxx. Said property was refinanced and PITIA is xxx and no rental income was provided. Additionally, xxx was included in the monthly DTI and account is an authorized user account, and not included in reviews DTI. - Due Diligence Vendor-04/27/2026 |
Resolved-Audited DTI of 44.36% is less than or equal to
Guideline DTI of 50% - Due Diligence
Vendor-05/01/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.19 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.71 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.25 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000122600 | D | A | C | A | A | A | D | A | Closed | FPRO1243 | 2026-04-27 13:52 | 2026-04-28 14:06 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Second Appraisal is Missing | Resolved-Final CD provided
- Due Diligence Vendor-04/28/2026 Ready for Review-Hello team, please see attached the Final CD and only 1 appraisal report fee is charged. Thank you - Due Diligence Vendor-04/27/2026 Open-. Provide 2nd full appraisal as seen charged on the final CD. At the time of review only 1 full appraisal was provided, completed by xxx. Subject to review and possible additional conditions. - Due Diligence Vendor-04/27/2026 |
Resolved-Final CD provided
- Due Diligence Vendor-04/28/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.19 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.71 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.25 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000125418 | D | A | D | A | B | A | A | A | Closed | FCRE7347 | 2026-04-27 12:42 | 2026-05-18 12:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Solar lease provided showing only secured by solar
equipment and updated 1003 - Due Diligence Vendor-05/18/2026 Ready for Review-Hi Team, we have uploaded the Solar Lease agreement on the portal already and the attached is updated final 1003 with Solar payment. Thank you - Due Diligence Vendor-05/15/2026 Ready for Review-Hi Team, we have uploaded the Solar Lease agreement on the portal already. Please let me know why we cannot sign off condition. - Due Diligence Vendor-05/14/2026 Counter-provide lien release proof for #9 in addition. - Due Diligence Vendor-05/14/2026 Ready for Review-Hello Team, please see attached the Solar Lease agreement. Thank you - Due Diligence Vendor-05/13/2026 Counter-Title provided supplement showing #10 to be removed which is tied to the UCC financing statement, however, there is also #9 that directly relates to the lease itself. If there is no more lease and/or payment required, item #9 should also be released. Something showing that there is no payment and balance remaining on the solar could also suffice. - Due Diligence Vendor-05/08/2026 Counter-Appears there will be no property lien for the solar system but is there a lease obligation or copy of the lease that needs to be included in the DTI? - Due Diligence Vendor-05/07/2026 Ready for Review-there is a title supplement stating that the solar will not appear on the final title policy, so providing a final title policy is not necessary. Please help to waive this condition. Thank you - Due Diligence Vendor-05/06/2026 Counter-Current title does not show that the solar is released. - Due Diligence Vendor-04/30/2026 Counter-Provide final title policy showing solar lien released. - Due Diligence Vendor-04/30/2026 Ready for Review-Hello Team, please see attached the Title supplement remove the solar lease. Thank you - Due Diligence Vendor-04/29/2026 Open-. Provide solar lease agreement. Appraiser notes the solar panels are leased and solar is noted on title. Agreement is to be provided for review to verify no monthly debt is required to be included in the DTI and is based on usage only. - Due Diligence Vendor-04/27/2026 |
Resolved-Solar lease provided showing only secured by solar
equipment and updated 1003 - Due Diligence Vendor-05/18/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or
More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More -
20.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000125418 | D | A | D | A | B | A | A | A | Closed | FCOM1266 | 2026-04-27 10:39 | 2026-04-29 11:24 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not
Applicable - Due Diligence Vendor-04/29/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-04/27/2026 Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-04/27/2026 |
Resolved-Homeownership Counseling Disclosure Is Present or Not
Applicable - Due Diligence Vendor-04/29/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or
More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More -
20.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000122230 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000126378 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000124028 | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2026-04-27 05:49 | 2026-05-04 13:44 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-05/04/2026 Ready for Review-Please see attached for review. - Due Diligence Vendor-05/04/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/27/2026 |
Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-05/04/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 53.6 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 21.13% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000122554 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-04-27 10:49 | 2026-05-05 12:53 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-***Received PCCD - Due Diligence Vendor-05/05/2026 Ready for Review-Please see attached for review. This loan funded on xxx. Please see attached PCCD. - Due Diligence Vendor-05/04/2026 Open- - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/27/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/27/2026 |
Resolved-***Received PCCD - Due Diligence Vendor-05/05/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.11 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.96 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.67 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.87 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30.08 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 35% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000122395 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000123632 | D | A | A | A | C | A | D | A | Closed | FCOM1268 | 2026-04-28 02:47 | 2026-05-04 12:35 | Resolved | 1 - Information | C | A | Compliance | TRID | ARM Disclosure is Missing | Resolved-***Received disclosure - Due Diligence
Vendor-05/04/2026 Ready for Review-Please see attached for review - Due Diligence Vendor-05/01/2026 Open-ARM Disclosure is Missing ***** Initial ARM Disclosure, required to be delivered to the borrower within 3 days of ARM loan application, or program change to an ARM, has not been provided. - Due Diligence Vendor-04/28/2026 |
Resolved-***Received disclosure - Due Diligence
Vendor-05/04/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 5.66 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.66 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.34 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.73% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000123632 | D | A | A | A | C | A | D | A | Closed | FPRO1242 | 2026-04-27 23:48 | 2026-05-01 14:28 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence
Vendor-05/01/2026 Ready for Review-Please see attached for review. - Due Diligence Vendor-05/01/2026 Open-Appraisal is Missing As per the guideline "Two appraisals required for loan amounts > xxx". However, secondary appraisal is missing in the file. - Due Diligence Vendor-04/28/2026 |
Resolved-Appraisal has been provided - Due Diligence
Vendor-05/01/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 5.66 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.66 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.34 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.73% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000125545 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000125794 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000122349 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000124945 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000122267 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000125561 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000124890 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000109774 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000126138 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000121562 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 4000121570 | D | A | D | A | A | A | A | A | Closed | FCRE1253 | 2026-04-28 05:48 | 2026-05-04 11:41 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence
Vendor-05/04/2026 Ready for Review-Please see attached 2025 tax bill. The Total tax due on this bill matches - Due Diligence Vendor-05/04/2026 Open-Missing Property Tax Cert - Due Diligence Vendor-04/28/2026 |
Resolved-Property Tax Cert Provided - Due Diligence
Vendor-05/04/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.33 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 298.36 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000121570 | D | A | D | A | A | A | A | A | Closed | FCRE1814 | 2026-04-28 14:36 | 2026-05-04 11:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Lender provided docs - Due Diligence Vendor-05/04/2026
Ready for Review-Please see attached LLC Documents for review. - Due Diligence Vendor-05/04/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN - Due Diligence Vendor-04/28/2026 |
Resolved-Lender provided docs - Due Diligence
Vendor-05/04/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.33 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 298.36 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000123802 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000125661 | C | A | A | A | A | A | C | A | Closed | FVAL2477 | 2026-04-30 20:53 | 2026-05-04 17:40 | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-xxx provided - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. - Buyer-05/04/2026 Open-Provide an updated xxx report for the subject property reflecting default comparables (market-based comps) rather than customer-selected comps, as the current report includes custom comps which are not acceptable per GL; additional conditions may apply upon review. - Due Diligence Vendor-05/01/2026 |
Resolved-xxx provided - Due Diligence Vendor-05/04/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 720 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 32.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.81 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000123026 | C | A | C | A | A | A | A | A | Closed | FCRE1253 | 2026-04-28 22:22 | 2026-04-30 10:51 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence
Vendor-04/30/2026 Ready for Review-Tax Cert. - Due Diligence Vendor-04/30/2026 Open-Missing Property Tax Cert - Due Diligence Vendor-04/29/2026 |
Resolved-Property Tax Cert Provided - Due Diligence
Vendor-04/30/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 104.66 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000124295 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000126576 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000122631 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000125214 | C | B | B | B | C | A | A | A | Closed | FCRE8201 | 2026-04-29 06:24 | 2026-05-13 17:19 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client provided guideline exception based on comp factors
provided. - Due Diligence
Vendor-05/13/2026 Waived-Borrower is selling current home, netting approximately xxx from the sale. He is closing xxx on the sale and closing on xxx for the new purchase. He is downsizing from a home to a condo. We would like to use the proceeds from the sale in the asset utilization income calculation. - Due Diligence Vendor-05/13/2026 Waived-Borrower is selling current home, netting approximately xxx from the sale. He is closing xxx on the sale and closing on xxx for the new purchase. He is downsizing from a home to a condo. We would like to use the proceeds from the sale in the asset utilization income calculation. - Due Diligence Vendor-04/29/2026 |
Waived-Client provided guideline exception based on comp factors
provided. - Due Diligence
Vendor-05/13/2026 Waived-Borrower is selling current home, netting approximately xxx from the sale. He is closing xxx on the sale and closing on xxx for the new purchase. He is downsizing from a home to a condo. We would like to use the proceeds from the sale in the asset utilization income calculation. - Due Diligence Vendor-05/13/2026 Waived-Borrower is selling current home, netting approximately xxx from the sale. He is closing xxx on the sale and closing on xxx for the new purchase. He is downsizing from a home to a condo. We would like to use the proceeds from the sale in the asset utilization income calculation. - Due Diligence Vendor-04/29/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten
Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 47.02% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.75 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 157.61 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
Lower DTI, high residual income, excellent credit | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxx | ||||
| 4000125214 | C | B | B | B | C | A | A | A | Closed | FCOM4227 | 2026-04-29 08:31 | 2026-05-12 12:11 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-***Received missing disclosures. - Due Diligence
Vendor-05/12/2026 Ready for Review-Initial CD + Audit Log - Due Diligence Vendor-05/11/2026 Open- Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-04/29/2026 |
Resolved-***Received missing disclosures. - Due Diligence
Vendor-05/12/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten
Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 47.02% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.75 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 157.61 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000125214 | C | B | B | B | C | A | A | A | Closed | FCOM1252 | 2026-04-29 08:32 | 2026-05-12 12:11 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-***Received missing disclosures. - Due Diligence
Vendor-05/12/2026 Ready for Review-Initial LE + COC and updated LE - Due Diligence Vendor-05/11/2026 Open-Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-04/29/2026 |
Resolved-***Received missing disclosures. - Due Diligence
Vendor-05/12/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten
Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 47.02% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.75 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 157.61 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000126585 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000127411 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-04-30 07:25 | 2026-05-01 15:05 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/01/2026 Ready for Review-Please see attached :) Thank you! - Due Diligence Vendor-05/01/2026 Open- Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-04/30/2026 |
Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/01/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.09 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000125031 | C | A | A | A | C | A | A | A | Closed | FCOM8891 | 2026-04-30 09:13 | 2026-05-04 13:04 | Resolved | 1 - Information | C | A | Compliance | Closing Package | Other Compliance | Resolved-**Received PCCD - Due Diligence Vendor-05/04/2026 Ready for Review-Hello Team, Please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxx. Thank you - Due Diligence Vendor-05/01/2026 Open-******* Borrower executed documents on xxx, after Final Closing Disclosure Disbursement date of xxx. Please provide Post Consummation Closing Disclosure with actual disbursement date. - Due Diligence Vendor-04/30/2026 |
Resolved-**Received PCCD - Due Diligence Vendor-05/04/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 43.35 Are Greater Than The Guideline
Minimum Of 4 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000122938 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 4000124663 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000124882 | D | A | A | A | A | A | D | A | Closed | FPRO1244 | 2026-04-29 13:20 | 2026-05-13 07:17 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-docs uploaded - Due Diligence Vendor-05/13/2026 Ready for Review-Apologies team, thank you for clarification. Please see xxx/xxx UCDP's ran as 3rd party valuation. Per guidelines, a score of 2.5 or less (xxx is 1) is acceptable in lieu of a CDA. Thank you - Due Diligence Vendor-05/12/2026 Counter-File provided will not open also we already have the full appraisal we are in need of a CDA document to support it. - Due Diligence Vendor-05/12/2026 Ready for Review-Please see appraisal report - Due Diligence Vendor-05/11/2026 Open-3rd Party Valuation Product is Required and Missing - Due Diligence Vendor-04/29/2026 |
Resolved-docs uploaded - Due Diligence Vendor-05/13/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 740 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 207.68 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000124882 | D | A | A | A | A | A | D | A | Closed | FVAL4217 | 2026-04-29 06:28 | 2026-05-12 10:28 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal photos are missing | Resolved-Appraisal with pictures provided - Due Diligence
Vendor-05/12/2026 Ready for Review-Please see appraisal report - Due Diligence Vendor-05/11/2026 Open-Appraisal photos are missing - Due Diligence Vendor-04/29/2026 |
Resolved-Appraisal with pictures provided - Due Diligence
Vendor-05/12/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 740 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 207.68 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000124877 | C | A | A | A | C | A | A | A | Closed | FCOM4227 | 2026-04-30 06:43 | 2026-05-12 18:41 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance
findings. Thank you - Due Diligence Vendor-05/12/2026 Ready for Review-Disclosure History for CD(s) - Due Diligence Vendor-05/11/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-04/30/2026 |
Resolved-ICD received, data entered, no additional compliance
findings. Thank you - Due Diligence Vendor-05/12/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.86% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.83 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.98 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.88 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000123785 | D | A | D | A | A | A | A | A | Closed | FCRE1964 | 2026-04-30 07:04 | 2026-05-12 09:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | Resolved-Resolved with income LOE - Due Diligence
Vendor-05/12/2026 Ready for Review-Hi Team, per guidelines, xxx income is non-taxable for this borrower since they care for disabled child who lives with them. Tax deductions are not required for this income source. There are no corrected W2s to provide - Due Diligence Vendor-05/11/2026 Open-W2 was partially provided. There was no amount present in "Medicare wages and tips" ie "Box no. 5 " of W2 - Due Diligence Vendor-04/30/2026 |
Resolved-Resolved with income LOE - Due Diligence
Vendor-05/12/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 25.93% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.11% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.67 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 195.25 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | |||||
| 4000120285 | D | A | C | A | D | A | A | A | Closed | FCOM8844 | 2026-04-29 21:47 | 2026-05-04 08:02 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Resolved-Business Purpose Disclosure or letter from borrower is
Present. - Due Diligence Vendor-05/04/2026 Ready for Review-Business purpose disclosure - Due Diligence Vendor-05/01/2026 Open-Business Purpose Disclosure stating how funds will be used or letter from borrower regarding the use of funds is missing. - Due Diligence Vendor-04/30/2026 |
Resolved-Business Purpose Disclosure or letter from borrower is
Present. - Due Diligence Vendor-05/04/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.35 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000120285 | D | A | C | A | D | A | A | A | Closed | FCRE1500 | 2026-04-30 11:17 | 2026-05-04 07:58 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved-PRA cards for both borrower's provided - Due Diligence Vendor-05/04/2026 Ready for Review-Photo ID's - Due Diligence Vendor-05/01/2026 Open-Missing B1 and B2 permanent resident cards. - Due Diligence Vendor-04/30/2026 |
Resolved-PRA cards for both borrower's provided - Due Diligence Vendor-05/04/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.35 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000124463 | D | A | D | A | A | A | A | A | Closed | FCRE8639 | 2026-04-30 14:08 | 2026-05-06 13:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence
Vendor-04/30/2026 Open-Personal Guaranty is Missing. Personal Guaranty is Missing - Due Diligence Vendor-04/30/2026 |
Resolved-Personal Guaranty is Present. - Due Diligence
Vendor-04/30/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 11.44 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.58 Years |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | |||||
| 4000124247 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000122588 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-04-30 13:54 | 2026-05-04 19:43 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-Lender provided LOS screenshot indicating Application
date of xxx - Due Diligence Vendor-05/04/2026 Ready for Review-Please see the attached system image reflecting application date xxx. Thank you! - Due Diligence Vendor-05/04/2026 Open- Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-04/30/2026 |
Resolved-Lender provided LOS screenshot indicating Application
date of xxx - Due Diligence Vendor-05/04/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The
Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 49.58% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.58 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 34.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000125672 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000123776 | C | A | C | A | A | A | A | A | Closed | FCRE1194 | 2026-04-30 08:14 | 2026-05-05 15:50 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Updated guides provided showing max LTV of 75% - Due
Diligence Vendor-05/05/2026 Resolved-Audited LTV of 75% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-05/05/2026 Open-Audited LTV of 75% exceeds Guideline LTV of 70%. As per Guidelines DSCR >=0.75-0.99, Investment purchase Max LTV is 70% with Min Fico xxx - Due Diligence Vendor-04/30/2026 |
Resolved-Updated guides provided showing max LTV of 75% - Due
Diligence Vendor-05/05/2026 Resolved-Audited LTV of 75% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-05/05/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 47.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 457.31 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | |||||
| 4000126386 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000125562 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000126387 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-05-01 09:09 | 2026-05-04 19:15 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD_ received, data entered, no additional compliance
findings. Thank you - Due Diligence Vendor-05/04/2026 Resolved- - Due Diligence Vendor-05/04/2026 Ready for Review-Hello Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxx. Thank you - Due Diligence Vendor-05/01/2026 Open-******* Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-05/01/2026 Open- - Due Diligence Vendor-05/01/2026 Open- - Due Diligence Vendor-05/01/2026 |
Resolved-PCCD_ received, data entered, no additional compliance
findings. Thank you - Due Diligence Vendor-05/04/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 40.54% Is Below The Guideline Maximum Of 80% By Ten
Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000126577 | C | A | A | A | C | A | A | A | Closed | finding-3712 | 2026-05-01 05:53 | 2026-05-04 19:41 | Resolved | 1 - Information | C | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-California Per Diem Disclosure, provided. thank you -
Due Diligence Vendor-05/04/2026 Ready for Review-Here you are. - Due Diligence Vendor-05/04/2026 Open-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan (xxx) exceeds the per diem interest charge or credit threshold (xxx).PLEASE NOTE: An additional xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. **** Please provide the California Per Diem Disclosure for review - Due Diligence Vendor-05/01/2026 Open- - Due Diligence Vendor-05/01/2026 Open- - Due Diligence Vendor-05/01/2026 Open- - Due Diligence Vendor-05/01/2026 Open- - Due Diligence Vendor-05/01/2026 |
Resolved-xxx Per Diem Disclosure, provided. thank you - Due
Diligence Vendor-05/04/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Validated Calculated DTI Of 36.38% Is Less Than The
Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 28.78 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000123513 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000126463 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000127910 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-05-01 13:48 | 2026-05-04 19:03 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-Lender provided LOS screenshot indicating Application
date of xxx - Due Diligence Vendor-05/04/2026 Ready for Review-Here you are. - Due Diligence Vendor-05/04/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-05/01/2026 |
Resolved-Lender provided LOS screenshot indicating Application
date of xxx - Due Diligence Vendor-05/04/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000122794 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000124809 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000125421 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000123659 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000127830 | D | A | A | A | D | A | A | A | Closed | FCOM1227 | 2026-05-04 01:53 | 2026-05-07 09:24 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-pud PROVIDED - Due Diligence Vendor-05/07/2026 Ready for Review-see attached DOT w/ PUD rider - Due Diligence Vendor-05/06/2026 Open-PUD Rider is Missing - Due Diligence Vendor-05/04/2026 |
Resolved-pud PROVIDED - Due Diligence Vendor-05/07/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Validated Months Reserves Of 70.02 Are Greater Than The
Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 35.91% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.60 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.46 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 49.2% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127830 | D | A | A | A | D | A | A | A | Closed | FCOM1220 | 2026-05-04 00:17 | 2026-05-07 09:23 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence
Vendor-05/07/2026 Ready for Review-see attached - Due Diligence Vendor-05/06/2026 Open-The Deed of Trust is Missing - Due Diligence Vendor-05/04/2026 |
Resolved-The Deed of Trust is Present - Due Diligence
Vendor-05/07/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Validated Months Reserves Of 70.02 Are Greater Than The
Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 35.91% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.60 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.46 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 49.2% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000123836 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000128029 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-05-04 13:17 | 2026-05-05 13:14 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/05/2026 Ready for Review-Please find attached. - Due Diligence Vendor-05/04/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-05/04/2026 |
Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/05/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.2 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.83% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000126397 | D | A | D | A | A | A | A | A | Closed | FCRE1468 | 2026-05-04 09:15 | 2026-05-05 13:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence
Vendor-05/05/2026 Ready for Review-xxx assets - Due Diligence Vendor-05/05/2026 Open-Asset 2 Missing Missing secured assets listed on final 1003 of xxx. - Due Diligence Vendor-05/04/2026 |
Resolved-Asset 2 Provided Or Not Applicable - Due Diligence
Vendor-05/05/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 11.25 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000127661 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-05-05 14:01 | 2026-05-06 15:33 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/06/2026 Ready for Review-Please see the attached app snip - Due Diligence Vendor-05/06/2026 Open-**** Documentation provided does not include confirmation of the borrowers application date. (LO signature date is only the date the LO acknowledged the URLA, not the date the lender received the 6 pieces of information required to trigger the application timing) A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-05/05/2026 |
Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/06/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000125032 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000127668 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000127700 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000126583 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-05-05 18:01 | 2026-05-06 15:18 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/06/2026 Ready for Review-Please find attached. - Due Diligence Vendor-05/05/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-05/05/2026 |
Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/06/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 6.39 Are Greater Than The Guideline
Minimum Of 0 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.9% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.83 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.82 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000123193 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000125425 | D | B | D | A | C | B | A | A | Closed | finding-3634 | 2026-05-06 09:09 | 2026-05-11 14:51 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD, LOE, copy of refund check and proof of
mailing, has been provided - Due Diligence Vendor-05/11/2026 Resolved- - Due Diligence Vendor-05/11/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-05/08/2026 Counter-***Received PCCD. Updated compliance test resulted in additional finding. The Notary fee paid to the lender's affiliate increased to xxx Fees paid to affiliates are subject to a zero tolerance. - Due Diligence Vendor-05/06/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-05/06/2026 Open- - Due Diligence Vendor-05/06/2026 |
Cured-Curative PCCD, LOE, copy of refund check and proof of
mailing, has been provided - Due Diligence Vendor-05/11/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 53.95% Is Below The Guideline Maximum Of 80% By Ten
Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000125425 | D | B | D | A | C | B | A | A | Closed | finding-3631 | 2026-05-06 09:09 | 2026-05-11 14:51 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Cured-Curative PCCD, LOE, copy of refund check and proof of
mailing, has been provided - Due Diligence Vendor-05/11/2026 Resolved- - Due Diligence Vendor-05/11/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-05/08/2026 Counter-***Received PCCD. Updated compliance test resulted in additional finding. The Notary fee paid to the lender's affiliate increased to xxx Fees paid to affiliates are subject to a zero tolerance. - Due Diligence Vendor-05/06/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/06/2026 Open- - Due Diligence Vendor-05/06/2026 |
Cured-Curative PCCD, LOE, copy of refund check and proof of
mailing, has been provided - Due Diligence Vendor-05/11/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 53.95% Is Below The Guideline Maximum Of 80% By Ten
Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000125425 | D | B | D | A | C | B | A | A | Closed | finding-3632 | 2026-05-06 09:09 | 2026-05-11 14:51 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-05/11/2026 Resolved- - Due Diligence Vendor-05/11/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-05/08/2026 Counter-***Received PCCD. Updated compliance test resulted in additional finding. The Notary fee paid to the lender's affiliate increased to xxx. Fees paid to affiliates are subject to a zero tolerance. - Due Diligence Vendor-05/06/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/06/2026 Open- - Due Diligence Vendor-05/06/2026 |
Resolved- - Due Diligence Vendor-05/11/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 53.95% Is Below The Guideline Maximum Of 80% By Ten
Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000125425 | D | B | D | A | C | B | A | A | Closed | FCRE1254 | 2026-05-04 12:01 | 2026-05-07 15:07 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence
Vendor-05/07/2026 Resolved-lender provided that judgement was not borrower's , resolved. - Due Diligence Vendor-05/07/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-05/06/2026 Open-Provide proof the xxx judgment (Title Commitment, Exhibit A, Item 9) has been satisfied or otherwise resolved, per GL; additional conditions may apply upon review. - Due Diligence Vendor-05/04/2026 |
Resolved-Property Title Issue Resolved - Due Diligence
Vendor-05/07/2026 Resolved-lender provided that judgement was not borrower's , resolved. - Due Diligence Vendor-05/07/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 53.95% Is Below The Guideline Maximum Of 80% By Ten
Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000125425 | D | B | D | A | C | B | A | A | Closed | FCRE7000 | 2026-05-04 01:55 | 2026-05-06 09:24 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due
Diligence Vendor-05/06/2026 Ready for Review-Hello Team, please see attached the Post Consummation CD and Final SS showing the borrower receive the cash back with amount is xxx. Thank you - Due Diligence Vendor-05/05/2026 Open-Total Liquid Assets Available for Close of $0 is less than Total Cash to Close xxx. Provide documentation evidencing sufficient eligible liquid assets to meet the Total Cash to Close of xxx. Per GL, borrowers must demonstrate adequate, verified funds to close; additional conditions may apply upon review. - Due Diligence Vendor-05/04/2026 |
Resolved-Total Liquid Assets Available for Close Resolved - Due
Diligence Vendor-05/06/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 53.95% Is Below The Guideline Maximum Of 80% By Ten
Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000125425 | D | B | D | A | C | B | A | A | Closed | finding-47 | 2026-05-04 02:48 | 2026-05-06 09:10 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-***Received PCCD - Due Diligence Vendor-05/06/2026 Resolved- - Due Diligence Vendor-05/06/2026 Ready for Review-Hello Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxx. Thank you - Due Diligence Vendor-05/05/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ******* Borrower executed documents on xxx. Please provide Post Consummation Closing Disclosure funding/per diem interest charges after Rescission period. - Due Diligence Vendor-05/04/2026 Open- - Due Diligence Vendor-05/05/2026 Open- - Due Diligence Vendor-05/04/2026 |
Resolved-***Received PCCD - Due Diligence Vendor-05/06/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 53.95% Is Below The Guideline Maximum Of 80% By Ten
Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000125425 | D | B | D | A | C | B | A | A | Closed | FCRE9549 | 2026-05-04 11:54 | 2026-05-06 08:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Credit Report Supplement is missing | Resolved-12 month mortgage paid history provided - Due Diligence
Vendor-05/06/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-05/05/2026 Open-Provide legible mortgage payment history for the xxx on the subject property, per GL; additional conditions may apply upon review. - Due Diligence Vendor-05/04/2026 |
Resolved-12 month mortgage paid history provided - Due Diligence
Vendor-05/06/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 53.95% Is Below The Guideline Maximum Of 80% By Ten
Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000120075 | D | A | A | A | D | A | A | A | Closed | FCOM1220 | 2026-05-04 01:01 | 2026-05-19 07:53 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence
Vendor-05/19/2026 Ready for Review-Mortgage 21 Pages - Due Diligence Vendor-05/18/2026 Counter-Please resend mortgage or deed of trust only the deed and cover page came through. - Due Diligence Vendor-05/18/2026 Ready for Review-Deed & Cover Page - Due Diligence Vendor-05/15/2026 Ready for Review-Deed - Due Diligence Vendor-05/15/2026 Open-The Deed of Trust is Missing Deed Of Trust is Missing with the Subject Property Address - Due Diligence Vendor-05/04/2026 |
Resolved-The Deed of Trust is Present - Due Diligence
Vendor-05/19/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten
Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 228.53 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000125563 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000125439 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000127646 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000122188 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000127605 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000126417 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000122157 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000126269 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000126136 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 4000126140 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000126261 | D | A | D | A | A | A | A | A | Closed | FCRE8639 | 2026-05-04 22:36 | 2026-05-07 14:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence
Vendor-05/07/2026 Ready for Review-Personal Guarantee - Due Diligence Vendor-05/06/2026 Open- - Due Diligence Vendor-05/05/2026 Open-Personal Guaranty is missing. - Due Diligence Vendor-05/05/2026 |
Resolved-Personal Guaranty is Present. - Due Diligence
Vendor-05/07/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 740 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.2 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.75 Years |
Personal Guaranty is missing. | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | |||
| 4000125784 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000126250 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000126421 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000127151 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000126942 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000126254 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000125756 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000126078 | C | A | C | A | A | A | A | A | Closed | FCRE1183 | 2026-05-06 15:27 | 2026-05-11 11:02 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-05/11/2026 Resolved- - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. - Seller-05/08/2026 Open-Provide final 1008 including 2nd lien p&I for primary xxx - Due Diligence Vendor-05/06/2026 |
Ready for Review-Document Uploaded. - Seller-05/08/2026 |
Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-05/11/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.58% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.33 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.25 Years |
transmittal_xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | |||
| 4000126078 | C | A | C | A | A | A | A | A | Closed | FCRE8127 | 2026-05-06 12:32 | 2026-05-11 11:00 | Resolved | 1 - Information | C | A | Credit | Eligibility | Number of Collections exceed guidelines | Resolved-lender provided additional information - Due Diligence
Vendor-05/11/2026 Ready for Review-Document Uploaded. See the attached payoff demand and the proof of payoff. - Seller-05/08/2026 Open-Please Provide payoff Letter for the collection accounts total balance is xxx, as per GL's total payments not more then xxx and with in 24 Months. - Due Diligence Vendor-05/06/2026 |
Ready for Review-Document Uploaded. See the attached payoff
demand and the proof of payoff. - Seller-05/08/2026 |
Resolved-lender provided additional information - Due Diligence
Vendor-05/11/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.58% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.33 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.25 Years |
COLLECTION
2.pdf COLLECTION 1.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | |||
| 4000126029 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000125554 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000125202 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000127388 | D | A | D | A | A | A | A | A | Closed | FCRE1202 | 2026-05-06 10:17 | 2026-05-08 06:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due
Diligence Vendor-05/08/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-05/07/2026 Open-Provide an updated Fraud Report confirming all alerts have been reviewed and cleared. The current Fraud Report reflects open alerts that have not been cleared. An updated report or supporting documentation evidencing the alerts have been reviewed, verified, and resolved is required. - Due Diligence Vendor-05/06/2026 |
Resolved-Third Party Fraud Report is fully present - Due
Diligence Vendor-05/08/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.33 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.28 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127388 | D | A | D | A | A | A | A | A | Closed | FCRE1472 | 2026-05-06 09:41 | 2026-05-08 06:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 6 Missing | Resolved-Asset 6 Provided Or Not Applicable - Due Diligence
Vendor-05/08/2026 Ready for Review-Hello Team, please see attached the Updated Final 1003 and it was included in the CP. Thank you - Due Diligence Vendor-05/07/2026 Open-Provide one (1) statement for xxx dated within 120 days of the Note date reflecting the reported balance of xxx, including the following: (a) financial institution name, (b) account holder name, (c) opening and closing balances, (d) account number, (e) statement date and period covered, and/or bank-stamped transaction history or VOD evidencing the current balance, per GL asset documentation requirements; joint accounts may be considered 100% borrower funds. Additional conditions may apply upon review. - Due Diligence Vendor-05/06/2026 |
Resolved-Asset 6 Provided Or Not Applicable - Due Diligence
Vendor-05/08/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.33 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.28 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000126141 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000124188 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000126641 | C | A | A | A | C | A | A | A | Closed | FCOM4227 | 2026-05-06 08:05 | 2026-05-08 12:33 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-***received ICD - Due Diligence Vendor-05/08/2026 Ready for Review-. - Due Diligence Vendor-05/07/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-05/06/2026 |
Resolved-***received ICD - Due Diligence Vendor-05/08/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.18 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 42.8% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.16 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.53 Are Greater Than The Guideline Minimum Of 13 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000127165 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-05-06 10:46 | 2026-05-08 16:39 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Lender provided additional background to reserves
requirements for ARM loan, using 4 months reserves based on initial terms. -
Due Diligence Vendor-05/08/2026 Ready for Review-Hello Team, please see attached the Post Consummation CD and Final SS showing the cash to close is xxx. The cash available is xxx. So the cash left after fund is xxx-xxx=xxx. The reserve required is 4months P&I= 4*xxx=xxx. So borrower has enough the fund for reserve. Please waive condition. Thank you - Due Diligence Vendor-05/08/2026 Open-Audited Reserves of 3.55 are less than Guideline Required Reserves of 4 months of P&I for loans over xxx on primary homes. Final 1003 does not reflect additional assets being used for reserves, Gift Funds iao xxx - CTC xxx / Short reserves by xxx. - Due Diligence Vendor-05/06/2026 |
Resolved-Lender provided additional background to reserves
requirements for ARM loan, using 4 months reserves based on initial terms. -
Due Diligence Vendor-05/08/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.37% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000126379 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000126589 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000126419 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-05-06 06:05 | 2026-05-08 14:19 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-***Received PCCD - Due Diligence Vendor-05/08/2026 Ready for Review-Hello Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxx. Thank you - Due Diligence Vendor-05/08/2026 Open- - Due Diligence Vendor-05/07/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ****The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-05/06/2026 Open- - Due Diligence Vendor-05/06/2026 |
Resolved-***Received PCCD - Due Diligence Vendor-05/08/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.29 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.24 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000128569 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000127701 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-05-06 06:07 | 2026-05-07 16:41 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/07/2026 Ready for Review-Please find attached. - Due Diligence Vendor-05/06/2026 Open-Documentation provided does not include confirmation of the borrower’s application date. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-05/06/2026 |
Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/07/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 17.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.25 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000126593 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-05-06 16:04 | 2026-05-07 16:33 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/07/2026 Ready for Review-Please find attached - Due Diligence Vendor-05/06/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-05/06/2026 |
Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/07/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.15 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.6 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000126559 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-05-06 10:12 | 2026-05-08 14:40 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-**Received PCCD - Due Diligence Vendor-05/08/2026 Ready for Review-Hello Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxx. Thank you - Due Diligence Vendor-05/08/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ******* Borrower executed documents on xxx.Please provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-05/07/2026 Open- - Due Diligence Vendor-05/07/2026 Open- - Due Diligence Vendor-05/06/2026 |
Resolved-**Received PCCD - Due Diligence Vendor-05/08/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or
More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More -
10.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.11% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000127704 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000126143 | C | A | A | A | C | A | A | A | Closed | FCOM1271 | 2026-05-06 10:15 | 2026-05-08 07:57 | Resolved | 1 - Information | C | A | Compliance | TRID | CHARM Booklet is Missing | Resolved-CHARM Booklet is Present or Not Applicable - Due
Diligence Vendor-05/08/2026 Ready for Review-Hello Team, please see attached, thank you - Due Diligence Vendor-05/07/2026 Open-CHARM Booklet is Missing - Due Diligence Vendor-05/06/2026 |
Resolved-CHARM Booklet is Present or Not Applicable - Due
Diligence Vendor-05/08/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.07 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.49% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000128609 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-05-07 10:47 | 2026-05-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-**Received confirmation of the application date - Due
Diligence Vendor-05/08/2026 Ready for Review-Please see attached :) Thank you! - Due Diligence Vendor-05/08/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-05/07/2026 |
Resolved-**Received confirmation of the application date - Due
Diligence Vendor-05/08/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or
More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More -
20.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.04 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127322 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000127363 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000127277 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000127675 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-05-06 02:13 | 2026-05-11 14:28 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 12.32 are greater than or equal to
Guideline Required Reserves of 3 - Due Diligence Vendor-05/11/2026 Ready for Review-1031 Exchange documents - Due Diligence Vendor-05/08/2026 Open-Audited Reserves of are less than Guideline Required Reserves of 3 Audited Reserves of -0- are less than Guideline Required Reserves of 3 months due to missing evidence of 1031 Exchange funds. - Due Diligence Vendor-05/06/2026 |
Resolved-Audited Reserves of 12.32 are greater than or equal to
Guideline Required Reserves of 3 - Due Diligence Vendor-05/11/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.89% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.32 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.67 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127675 | C | A | C | A | A | A | A | A | Closed | FCRE7000 | 2026-05-06 02:07 | 2026-05-11 14:25 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due
Diligence Vendor-05/11/2026 Ready for Review-1031 Exchange documents - Due Diligence Vendor-05/08/2026 Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx Missing proof of 1031 Exchange document for the funds of xxx. - Due Diligence Vendor-05/06/2026 |
Resolved-Total Liquid Assets Available for Close Resolved - Due
Diligence Vendor-05/11/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.89% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.32 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.67 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127675 | C | A | C | A | A | A | A | A | Closed | FCRE1480 | 2026-05-06 16:40 | 2026-05-11 14:25 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset 2 Meets Guideline Requirements Or Not Applicable
- Due Diligence Vendor-05/08/2026 Resolved- - Due Diligence Vendor-05/08/2026 Ready for Review-xxx - Due Diligence Vendor-05/08/2026 Open-Verified Checking Account xxx Missing One of month bank statement (Received Covering only 30 Days of Stmt) - Due Diligence Vendor-05/06/2026 |
Resolved-Asset 2 Meets Guideline Requirements Or Not Applicable
- Due Diligence Vendor-05/08/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.89% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.32 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.67 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000125286 | A | A | A | A | A | A | A | A | Closed | FCRE1464 | 2026-05-06 05:47 | 2026-05-20 06:27 | Resolved | 1 - Information | A | A | Credit | Assets | Asset 10 Less Than 2 Months Verified | Resolved-Asset 10 Verified Sufficiently Or Not Applicable - Due
Diligence Vendor-05/20/2026 Ready for Review-Please see attached - Due Diligence Vendor-05/19/2026 Open-Asset 10 Less Than 2 Months Verified Asset 10, xxx, Less Than 2 Months Verified. Section 7 reflects assets to follow xxx requirements (2 months verifiecation). - Due Diligence Vendor-05/06/2026 |
Resolved-Asset 10 Verified Sufficiently Or Not Applicable - Due
Diligence Vendor-05/20/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 15.99 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 38.46% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 34.75 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000125286 | A | A | A | A | A | A | A | A | Closed | FCRE1465 | 2026-05-06 05:47 | 2026-05-20 06:27 | Resolved | 1 - Information | A | A | Credit | Assets | Asset 11 Less Than 2 Months Verified | Resolved-Asset 11 Verified Sufficiently Or Not Applicable - Due
Diligence Vendor-05/20/2026 Ready for Review-Please see attached - Due Diligence Vendor-05/19/2026 Open-Asset 11 Less Than 2 Months Verified Asset 11, xxx, Less Than 2 Months Verified. Section 7 reflects assets to follow xxx requirements (2 months verification). - Due Diligence Vendor-05/06/2026 |
Resolved-Asset 11 Verified Sufficiently Or Not Applicable - Due
Diligence Vendor-05/20/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 15.99 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 38.46% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 34.75 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000125286 | A | A | A | A | A | A | A | A | Closed | FCRE1466 | 2026-05-06 05:47 | 2026-05-20 06:27 | Resolved | 1 - Information | A | A | Credit | Assets | Asset 12 Less Than 2 Months Verified | Resolved-Asset 12 Less Than 2 Months Verified - Due Diligence
Vendor-05/20/2026 Ready for Review-Please see attached - Due Diligence Vendor-05/19/2026 Open-Asset 12 Less Than 2 Months Verified Asset 12, xxx, Less Than 2 Months Verified. Section 7 reflects assets to follow xxx requirements (2 months verification). - Due Diligence Vendor-05/06/2026 |
Resolved-Asset 12 Less Than 2 Months Verified - Due Diligence
Vendor-05/20/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 15.99 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 38.46% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 34.75 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127531 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000127789 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000127260 | D | A | A | A | A | A | D | A | Closed | FPRO1242 | 2026-05-07 01:59 | 2026-05-11 17:31 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence
Vendor-05/11/2026 Ready for Review-Please see attached. - Due Diligence Vendor-05/08/2026 Open-Appraisal is Missing - Due Diligence Vendor-05/07/2026 |
Resolved-Appraisal has been provided - Due Diligence
Vendor-05/11/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.09 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.08 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.83 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56.17 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 16.67% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 49.98% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxx | ||||
| 4000127260 | D | A | A | A | A | A | D | A | Closed | FPRO1136 | 2026-05-11 10:25 | 2026-05-11 17:31 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is
completed on an As-Is Basis, the 1004D Completion Report is fully present, or
Not Applicable - Due Diligence Vendor-05/11/2026 Ready for Review-This was in the credit pkg - pg 291-296; please see attached. - Due Diligence Vendor-05/11/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present - Due Diligence Vendor-05/11/2026 |
Resolved-Primary Value for Subject Property Appraisal is
completed on an As-Is Basis, the 1004D Completion Report is fully present, or
Not Applicable - Due Diligence Vendor-05/11/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.09 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.08 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.83 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56.17 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 16.67% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 49.98% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxx | ||||
| 4000126497 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000126380 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000128239 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000126110 | D | A | D | A | A | A | A | A | Closed | FVAL1310 | 2026-05-07 02:59 | 2026-05-26 11:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence
Vendor-05/26/2026 Ready for Review-Please see attached Condo Questionnaire - Due Diligence Vendor-05/22/2026 Open-HOA Questionnaire Document status is Missing. HOA Questionnaire Document status is Missing along with missing evidence of xxx condo id certificate. - Due Diligence Vendor-05/07/2026 |
Resolved-HOA Questionnaire is Provided - Due Diligence
Vendor-05/26/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 25.42 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 189.44 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127996 | D | A | D | A | C | A | A | A | Closed | FCRE1178 | 2026-05-07 01:14 | 2026-05-08 16:20 | Resolved | 1 - Information | C | A | Credit | Insurance | Other Property Insurance Policy Effective Date is after the Note Date | Resolved-PCCD shows disbursement date after insurance start
date. - Due Diligence
Vendor-05/08/2026 Ready for Review-Please see the attached FSS & POST CD reflecting disbursement date xxx. Thank you! - Due Diligence Vendor-05/08/2026 Open-Other Property Insurance Policy Effective Date of xxx is after the Note Date of xxx - Due Diligence Vendor-05/07/2026 |
Resolved-PCCD shows disbursement date after insurance start
date. - Due Diligence
Vendor-05/08/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.0 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127996 | D | A | D | A | C | A | A | A | Closed | FCRE1468 | 2026-05-07 02:08 | 2026-05-08 16:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence
Vendor-05/08/2026 Ready for Review-Please see the attached two asset statements. Thank you! - Due Diligence Vendor-05/08/2026 Open-Asset 2 Missing - Due Diligence Vendor-05/07/2026 |
Resolved-Asset 2 Provided Or Not Applicable - Due Diligence
Vendor-05/08/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.0 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127996 | D | A | D | A | C | A | A | A | Closed | FCOM7353 | 2026-05-07 18:56 | 2026-05-08 08:53 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/08/2026 Ready for Review-Please see the attached system image reflecting application date xxx. Thank you! - Due Diligence Vendor-05/08/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-05/07/2026 |
Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/08/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.0 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000126591 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000124870 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000127452 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000124855 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-05-07 16:45 | 2026-05-08 09:03 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-**Received confirmation of the application date - Due
Diligence Vendor-05/08/2026 Ready for Review-Please see attached :) Thank you! - Due Diligence Vendor-05/08/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-05/07/2026 |
Resolved-**Received confirmation of the application date - Due
Diligence Vendor-05/08/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 40.67% Is Less Than The Guideline
Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 20% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000126142 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000122376 | C | A | C | A | A | A | A | A | Closed | FCRE1500 | 2026-05-07 16:02 | 2026-05-11 17:40 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved-docs provided - Due Diligence Vendor-05/11/2026 Ready for Review-DL for both borrowers - Due Diligence Vendor-05/11/2026 Open-Missing identification documentation for all borrowers. - Due Diligence Vendor-05/07/2026 |
Resolved-docs provided - Due Diligence Vendor-05/11/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Validated Months Reserves Of 30.89 Are Greater Than The
Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 10.50 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000126197 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000127300 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000127488 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000127318 | D | A | D | A | A | A | C | A | Closed | FPRO1144 | 2026-05-08 09:47 | 2026-05-15 13:38 | Resolved | 1 - Information | C | A | Property | Appraisal | 1004D Completion Report is not on an as-is basis | Resolved-Market rents provided
- Due Diligence Vendor-05/15/2026 Ready for Review-1007 - Due Diligence Vendor-05/15/2026 Open-Missing Rent Schedule - Due Diligence Vendor-05/08/2026 |
Resolved-Market rents provided
- Due Diligence Vendor-05/15/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 20.72 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.08 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000127318 | D | A | D | A | A | A | C | A | Closed | FCRE1815 | 2026-05-08 09:42 | 2026-05-13 07:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-docs uploaded - Due Diligence Vendor-05/13/2026 Ready for Review-llc docs - Due Diligence Vendor-05/12/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Incomplete Entity docs. Missing evidence of EIN, Articles of Formation/ equivalent and Certificate of good standing. - Due Diligence Vendor-05/08/2026 |
Resolved-docs uploaded - Due Diligence Vendor-05/13/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 20.72 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.08 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000126937 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000126918 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000128851 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000127421 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000122351 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000128591 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000124858 | D | A | D | A | A | A | A | A | Closed | FCRE2393 | 2026-05-08 16:05 | 2026-05-20 09:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing an established escrow impound account for taxes and insurance. | Resolved-uploaded and updated LM/ rental worksheet - Due
Diligence Vendor-05/20/2026 Ready for Review-Please see attached :) Thank you! - Due Diligence Vendor-05/19/2026 Counter-Document Uploaded. Per Web search lookup, the xxx is located in a PUD and has HOA fee of xxx per month. Missing HOA statement to support monthly fee. - Due Diligence Vendor-05/11/2026 Ready for Review-1. First, there is no HOA for xxx, as it is a single-family residence. Please refer to the attached documentation for confirmation. 2. Additionally, the escrow setup is already reflected in the Post-CD, where it has been properly established. Please review and kindly waive this condition. - Due Diligence Vendor-05/11/2026 Open-Provide proof of HOA for Other REO property at xxx borrower on title but not on note. - Due Diligence Vendor-05/08/2026 |
Resolved-uploaded and updated LM/ rental worksheet - Due
Diligence Vendor-05/20/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - VALIDATED Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - VALIDATED Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.05 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - VALIDATED Calculated DTI Of 39.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - VALIDATED Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127314 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000127655 | C | A | A | A | C | A | A | A | Closed | FCOM4438 | 2026-05-08 10:34 | 2026-05-14 14:44 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Closing Date is missing or inaccurate | Resolved-**Received PCCD - Due Diligence Vendor-05/14/2026 Ready for Review-Here is the POST CD. - Due Diligence Vendor-05/13/2026 Open-******* Borrower executed documents on xxx, after Final Closing Disclosure Disbursement date of xxx. Please provide Post Consummation Closing Disclosure with actual disbursement date. - Due Diligence Vendor-05/08/2026 |
Resolved-**Received PCCD - Due Diligence Vendor-05/14/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.04 Borrower At Current Residence For Five (5) Or More Years - VALIDATED Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - VALIDATED Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - VALIDATED Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127655 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-05-11 07:43 | 2026-05-12 18:49 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-Lender provided LOS screenshot indicating Application
date of xxx - Due Diligence Vendor-05/12/2026 Ready for Review-Here is the snip of application date. - Due Diligence Vendor-05/12/2026 Open-Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-05/11/2026 |
Resolved-Lender provided LOS screenshot indicating Application
date of xxx - Due Diligence Vendor-05/12/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.04 Borrower At Current Residence For Five (5) Or More Years - VALIDATED Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - VALIDATED Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - VALIDATED Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127191 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000128616 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000126492 | C | B | C | B | C | A | A | A | Closed | FCOM6722 | 2026-05-11 13:32 | 2026-05-26 14:01 | Resolved | 1 - Information | C | A | Compliance | Closing Package | Mortgage not properly executed | Resolved-LOE from Title company stating DOT was corrected prior
to Recording. - Due Diligence
Vendor-05/26/2026 Ready for Review-Copy of communication with the title company stating the mortgage was corrected before it was recorded copy of the recorded mortgage. - Due Diligence Vendor-05/22/2026 Counter-Please confirm with the Title Company and provide their guidance to us. Recording requirements vary by county in xxx, and the Title Company will need to advise whether a Notary Affidavit or Correction Affidavit is acceptable to satisfy this condition. Thank you. - Due Diligence Vendor-05/20/2026 Ready for Review-Would a Notary affidavit or a Correction affidavit work to satisfy the condition, if not please advise what would be acceptable please. - Due Diligence Vendor-05/19/2026 Open-*******The notary was incomplete on Notary Acknowledgement. - Due Diligence Vendor-05/11/2026 |
Resolved-LOE from Title company stating DOT was corrected prior
to Recording. - Due Diligence
Vendor-05/26/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 33.15 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.17 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.95% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000126492 | C | B | C | B | C | A | A | A | Closed | FCRE1437 | 2026-05-11 11:40 | 2026-05-14 09:05 | Waived | 2 - Non-Material | C | B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Exception granted with supporting comp factors: Approved-
Per guidelines a minimum of 6 months employment is required. B1 is currently 1month employed (since xxx)
while having a 9-month employment gap prior to current employment. - Due
Diligence Vendor-05/14/2026 Ready for Review-approved exception request - Due Diligence Vendor-05/13/2026 Open-Provide xxx Exception form for B1 Seller guide exception approved for <6 months employment - xxx. Start date xxx - Due Diligence Vendor-05/11/2026 |
Waived-Exception granted with supporting comp factors: Approved-
Per guidelines a minimum of 6 months employment is required. B1 is currently 1month employed (since xxx)
while having a 9-month employment gap prior to current employment. - Due
Diligence Vendor-05/14/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 33.15 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.17 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.95% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 |
Credit score Reserves LOX supports reason for employment gap residual income |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | Originator Post-Close | Yes | xxxxx | |||
| 4000126596 | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2026-05-08 16:59 | 2026-05-15 13:01 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or
equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is
Not Provided - Due Diligence Vendor-05/15/2026 Ready for Review-Here is the EOI which is starting date is xxx. - Due Diligence Vendor-05/15/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-05/08/2026 |
Resolved-Hazard Insurance Effective Date of xxx is prior to or
equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is
Not Provided - Due Diligence Vendor-05/15/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.09 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.74% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 43.01% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30.07 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.06 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 164.15 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.08 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000128604 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000127155 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000127188 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000127192 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000126943 | D | A | D | A | A | A | A | A | Closed | FCRE9959 | 2026-05-11 01:17 | 2026-07-02 09:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing final closing disclosure/settlement statement/equivalent | Resolved-lender provided - Due Diligence Vendor-05/12/2026 Resolved-Final Settlement Statement/equivalent Provided - Due Diligence Vendor-05/12/2026 Ready for Review-See attached. - Due Diligence Vendor-05/12/2026 Counter-Provide executed copy- missing signature - Due Diligence Vendor-05/11/2026 Ready for Review-Please see the attached FSS. - Due Diligence Vendor-05/11/2026 Open-Missing Final Settlement Statement/equivalent - Due Diligence Vendor-05/11/2026 |
Resolved-lender provided - Due Diligence Vendor-05/12/2026 Resolved-Final Settlement Statement/equivalent Provided - Due Diligence Vendor-05/12/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 136.66 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000129350 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000128592 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000127945 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000127536 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000129349 | C | A | A | A | C | A | A | A | Closed | FCOM2276 | 2026-05-11 09:36 | 2026-05-12 18:56 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-PCCD received, data entered, no additional compliance
findings. Thank you - Due Diligence Vendor-05/12/2026 Ready for Review-Hello team, please see attached PCCD, thank you. - Due Diligence Vendor-05/11/2026 Open-******* Borrower executed documents on xxx, after Final Closing Disclosure Disbursement date of xxx. Please provide Post Consummation Closing Disclosure with actual disbursement date. - Due Diligence Vendor-05/11/2026 |
Resolved-PCCD received, data entered, no additional compliance
findings. Thank you - Due Diligence Vendor-05/12/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - VALIDATED Qualifying FICO Of xxx is Greater Than The
Guideline Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - VALIDATED Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - VALIDATED Months Reserves Of 22.78 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - VALIDATED Original LTV Of 48.78% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127534 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000126823 | D | A | D | A | A | A | A | A | Closed | FCRE1158 | 2026-05-11 01:04 | 2026-05-19 11:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Binder provided showing insurance co, time period - Due
Diligence Vendor-05/19/2026 Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/19/2026 Ready for Review-Please see the attached file - Due Diligence Vendor-05/18/2026 Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. POLICY NUMBER IS MISSING - Due Diligence Vendor-05/11/2026 |
Resolved-Binder provided showing insurance co, time period - Due
Diligence Vendor-05/19/2026 Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/19/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 34.35% Is Below The Guideline Maximum Of 80% By Ten
Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127691 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000129668 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000127535 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000124061 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 4000128402 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000127183 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000126116 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000126749 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000127820 | D | A | D | A | D | A | A | A | Closed | FCOM1252 | 2026-05-12 09:30 | 2026-05-14 11:23 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-***Received missing disclosures - Due Diligence
Vendor-05/14/2026 Ready for Review-I HAVE UPLOADED THE INITIAL DISCLOSURE PACKET. - Due Diligence Vendor-05/13/2026 Open-*******Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings.***** - Due Diligence Vendor-05/12/2026 |
Resolved-***Received missing disclosures - Due Diligence
Vendor-05/14/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.34 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.65% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000127820 | D | A | D | A | D | A | A | A | Closed | FCOM4227 | 2026-05-12 09:31 | 2026-05-14 11:23 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-***Received missing disclosures - Due Diligence
Vendor-05/14/2026 Ready for Review-I HAVE UPLOADED THE INITIAL DISCLOSURE PACKET. - Due Diligence Vendor-05/13/2026 Open-*******Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings.***** - Due Diligence Vendor-05/12/2026 |
Resolved-***Received missing disclosures - Due Diligence
Vendor-05/14/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.34 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.65% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000127820 | D | A | D | A | D | A | A | A | Closed | FCOM1266 | 2026-05-12 09:36 | 2026-05-14 11:07 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not
Applicable - Due Diligence Vendor-05/14/2026 Ready for Review-I HAVE UPLOADED THE INITIAL DISCLOSURE PACKAGE. - Due Diligence Vendor-05/13/2026 Open-Homeownership Counseling Disclosure Is Missing ******* Please provide entire initial disclosure package for review****** - Due Diligence Vendor-05/12/2026 |
Resolved-Homeownership Counseling Disclosure Is Present or Not
Applicable - Due Diligence Vendor-05/14/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.34 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.65% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000127820 | D | A | D | A | D | A | A | A | Closed | FCRE1325 | 2026-05-12 01:38 | 2026-05-14 08:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence
Vendor-05/14/2026 Ready for Review-I HAVE UPLOADED AN ATTESTATION FORM FOR CPA, WHICH IS IN LIEU OF A CPA LETTER. I ALSO UPLOADED THE CTEC VALIDATION FOR THE INDIVIDUAL THAT COMPLETED THE ATTESTATION. THESE FORMS SHOULD SUFFICE. - Due Diligence Vendor-05/13/2026 Open-Borrower 1 CPA Letter Missing Per Guidelines: xxx Month Profit & Loss (P&L) 8.5.1.2 Documentation Requirements: CPA letter required. - Due Diligence Vendor-05/12/2026 |
Resolved-Borrower 1 CPA Letter Resolved - Due Diligence
Vendor-05/14/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.34 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.65% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000127820 | D | A | D | A | D | A | A | A | Closed | FCOM1231 | 2026-05-12 00:39 | 2026-05-14 08:12 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence
Vendor-05/14/2026 Ready for Review-I HAVE UPLOADED THE INITIAL DISCLOSURE PACKET. - Due Diligence Vendor-05/13/2026 Open-The Initial 1003 is Missing ******* Please provide entire initial disclosure package for review****** - Due Diligence Vendor-05/12/2026 |
Resolved-The Initial 1003 is Present - Due Diligence
Vendor-05/14/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.34 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.65% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000124745 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000128415 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000126984 | C | A | A | A | A | A | C | A | Closed | FVAL9739 | 2026-05-11 14:52 | 2026-05-14 08:37 | Resolved | 1 - Information | C | A | Property | Appraisal | Property/Appraisal General | Resolved-uploaded docs - Due Diligence Vendor-05/14/2026 Ready for Review-Document Uploaded. The updated appraisal with the county is attached - Buyer-05/13/2026 Open-Please provide appraisal with correct subject property county of xxx, on all applicable pages, Title legal description county is xxx County. Appraisal shows county as xxx. - Due Diligence Vendor-05/11/2026 |
Resolved-uploaded docs - Due Diligence Vendor-05/14/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 260.38 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000124869 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000127176 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000127653 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-05-12 07:51 | 2026-05-14 07:37 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-****received confirmation of the application date - Due
Diligence Vendor-05/14/2026 Ready for Review-please find attached application date marked in LOS - Due Diligence Vendor-05/13/2026 Open-Documentation provided does not include confirmation of the borrower’s application date. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you. - Due Diligence Vendor-05/12/2026 |
Resolved-****received confirmation of the application date - Due
Diligence Vendor-05/14/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Credit Line Usage Ratio equals 0.16 Borrower At Current Residence For Five (5) Or More Years - validated Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 43.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127711 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-05-12 13:36 | 2026-05-13 15:15 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/13/2026 Ready for Review-Please see the attached App snip - Due Diligence Vendor-05/13/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-05/12/2026 |
Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/13/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 9.64 Are Greater Than The Guideline
Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.22% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000128908 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000127615 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000127623 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000127714 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000123499 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000122822 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000124101 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000125041 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000124548 | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2026-05-13 11:26 | 2026-05-18 12:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided -
Due Diligence Vendor-05/18/2026 Ready for Review-Please see attached. - Due Diligence Vendor-05/15/2026 Open-Missing Lender Worksheet or Bank Statement Summary Missing Bwr1 Income worksheet the Lender used to qualify the bwr's income. - Due Diligence Vendor-05/13/2026 |
Resolved-Lender Worksheet or Bank Statement Summary Provided -
Due Diligence Vendor-05/18/2026 |
Borrower 2 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 6.61 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.02 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.02 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000129050 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-05-14 10:57 | 2026-05-18 10:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved- - Due Diligence Vendor-05/18/2026 Ready for Review-Please see attached. - Due Diligence Vendor-05/15/2026 Counter-Missing Lenders REO calculations worksheet as xxx is a short term rental (xxx) and the audited calculations is higher than what lender used to qualify the Loan. - Due Diligence Vendor-05/15/2026 Ready for Review-Attached are the following: 1) Copy of note for xxx 2) Copy of lease agreement 3) Copy of the final CD and first payment letter for xxx - Due Diligence Vendor-05/14/2026 Open-Document Uploaded. - Due Diligence Vendor-05/14/2026 Open-2 part Condition - #1 The xxx was newly refinanced per Final HUD/SS located in loan file dated xxx for xxx - Missing First payment Letter and Note of new loan terms, (HUD/SS reflects property is escrowed) - #2 - The Final 1003 reflects Rental income of xxx per month however Lease agreement for this property is missing. the Lender used xxx of positive rental income for the loan qualifications. - Due Diligence Vendor-05/14/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 7.31 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.54 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.08% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | |||||
| 4000128632 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-05-13 03:28 | 2026-05-22 12:18 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 4.67 are greater than or equal to
Guideline Required Reserves of 4 - Due Diligence Vendor-05/22/2026 Ready for Review-Please find attached asset dated prior to Note date. 1008 1003 documents were updated to prove that assets cover the reserves. - Due Diligence Vendor-05/21/2026 Open-Audited Reserves of 3.54 are less than Guideline Required Reserves of 4 Final CD CTC xxx / Verified Assets from WF xxx / verified EMD xxx - 4 Months reserves required (Primary ≤ xxx and LTV > 75%) = xxx / Reserves are short by xxx - Due Diligence Vendor-05/13/2026 |
Resolved-Audited Reserves of 4.67 are greater than or equal to
Guideline Required Reserves of 4 - Due Diligence Vendor-05/22/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.71% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000128651 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000130053 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000127671 | D | A | D | A | A | A | A | A | Closed | FCRE1469 | 2026-05-13 02:29 | 2026-05-19 16:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence
Vendor-05/19/2026 Resolved-Lender provided gift information - Due Diligence Vendor-05/19/2026 Ready for Review-Please see the attached wire receipt already included in the closing pkg. Could you please waive the condition? - Due Diligence Vendor-05/19/2026 Counter-Missing Proof of available Funds for Gift funds iao of xxx per Gift letter - Due Diligence Vendor-05/15/2026 Ready for Review-Please see the attached gift letter - Due Diligence Vendor-05/15/2026 Open-Asset 3 Missing- Gift letter no provided or evidence of gift - Due Diligence Vendor-05/13/2026 |
Resolved-Asset 3 Provided Or Not Applicable - Due Diligence
Vendor-05/19/2026 Resolved-Lender provided gift information - Due Diligence Vendor-05/19/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.21 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.15 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127730 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000121571 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000127899 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000127694 | D | A | A | A | D | A | A | A | Closed | FCOM1233 | 2026-05-13 12:09 | 2026-05-14 08:08 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence
Vendor-05/14/2026 Ready for Review-Please see the attached updated 1003 reflecting Permanent Resident Alien in page 1. Thank you! - Due Diligence Vendor-05/14/2026 Open-The Final 1003 is Incomplete Final 1003 reflects bwr as a US Citizen however the file contains a Permanent Resident card with an expiration date of xxx - Updated 1003 is needed reflecting the correct citizenship - Due Diligence Vendor-05/13/2026 |
Resolved-The Final 1003 is Present - Due Diligence
Vendor-05/14/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.13 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127643 | C | A | A | A | C | A | A | A | Closed | finding-3652 | 2026-05-13 06:23 | 2026-05-14 15:14 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-***Received COC - Due Diligence Vendor-05/14/2026 Ready for Review-It seems that the COC that was supposed to be included has been omitted due to a system error. Could you please check it once more? Thank you. - Due Diligence Vendor-05/14/2026 Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits xxx does not exceed or equal the comparable sum of specific and non-specific lender credits xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ****** The curative, specific &/or general Lender Credit(s) have been either reduced or removed, resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/13/2026 Open- - Due Diligence Vendor-05/13/2026 Open- - Due Diligence Vendor-05/13/2026 |
Resolved-***Received COC - Due Diligence Vendor-05/14/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 40.61 Are Greater Than The Guideline
Minimum Of 4 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.88% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127662 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-05-13 13:03 | 2026-05-19 16:29 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 6.05 are greater than or equal to
Guideline Required Reserves of 6 - Due Diligence Vendor-05/19/2026 Ready for Review-Please see the attached PCCD - Due Diligence Vendor-05/19/2026 Counter-Subject Is a Primary Residence, Missing PCCD if amounts changed from Final CD in the loan file. - Due Diligence Vendor-05/15/2026 Ready for Review-FSS reflects refunds of xxx. Combined with assets of xxx, total reserves equal xxx, which exceeds the required 6 months reserves of xxx (xxx × 6). Could you please waive the condition? - Due Diligence Vendor-05/15/2026 Open-Audited Reserves of 5.99 are less than Guideline Required Reserves of 6 - Due Diligence Vendor-05/13/2026 |
Resolved-Audited Reserves of 6.05 are greater than or equal to
Guideline Required Reserves of 6 - Due Diligence Vendor-05/19/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.19 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.33 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.50 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127662 | C | A | C | A | A | A | A | A | Closed | FCRE7375 | 2026-05-13 02:29 | 2026-05-15 13:41 | Resolved | 1 - Information | C | A | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Resolved-I-797 Notice provided extending the I-551 PRA card for
48 months - Due Diligence
Vendor-05/15/2026 Ready for Review-Please see the attached I-797 Receipt already included in the closing pkg. It could be guaranteed through 2027. Could you please waive the condition? - Due Diligence Vendor-05/15/2026 Open-BORROWER ID IS EXPIRED - Due Diligence Vendor-05/13/2026 |
Resolved-I-797 Notice provided extending the I-551 PRA card for
48 months - Due Diligence
Vendor-05/15/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.19 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.33 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.50 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000130084 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000127907 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-05-13 12:35 | 2026-05-14 07:48 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/14/2026 Ready for Review-Please see the attached system image reflecting application date xxx. Thank you! - Due Diligence Vendor-05/14/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-05/13/2026 |
Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/14/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.50 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.79 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.69% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127654 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000128614 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000128088 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000128023 | C | A | C | A | A | A | A | A | Closed | FCRE1167 | 2026-05-13 04:45 | 2026-05-14 13:45 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due
Diligence Vendor-05/14/2026 Ready for Review-Property is PUD. We have included Master insurance and HO6 which suffices the hazard insurance coverage. Please waive the condition. - Due Diligence Vendor-05/13/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx Missing HOA Master Policy due to Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx If No master policy, then an updated HOI policy is needed with additional coverage. - Due Diligence Vendor-05/13/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due
Diligence Vendor-05/14/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 54.11% Is Below The Guideline Maximum Of 70% By Ten
Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000129655 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000126624 | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2026-05-13 03:55 | 2026-05-19 16:11 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or
equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is
Not Provided - Due Diligence Vendor-05/19/2026 Ready for Review-Here is the EOI. - Due Diligence Vendor-05/18/2026 Open-Subject Loan is a Purchase the HOI Policy reflects an Effective date of xxx however per the Final CD the disbursement date is xxx. Provided Corrected HOI Effective date prior to closing or a PCCD - Due Diligence Vendor-05/14/2026 Rescinded-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-05/13/2026 |
Resolved-Hazard Insurance Effective Date of xxx is prior to or
equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is
Not Provided - Due Diligence Vendor-05/19/2026 Rescinded-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-05/13/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 9.41 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.21 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127880 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000128583 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-05-13 10:57 | 2026-05-14 08:05 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/14/2026 Ready for Review-please find attached LOS log for application date - Due Diligence Vendor-05/13/2026 Open-***Documentation provided does not include confirmation of the borrowers application date. (LO signature date is only the date the LO acknowledged the URLA, not the date the lender received the 6 pieces of information required to trigger the application timing) A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-05/13/2026 |
Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/14/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
VALIDATED Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Credit Line Usage Ratio equals 0.13 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - VALIDATED Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.83 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - VALIDATED Calculated DTI Of 36.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - VALIDATED Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000113833 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000129592 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000126592 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000126572 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000121185 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000126998 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-05-13 14:19 | 2026-05-18 15:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-page 642 ins., property search provided - Due Diligence
Vendor-05/18/2026 Ready for Review-Please see attached - Due Diligence Vendor-05/15/2026 Open-Missing verification of taxes, insurance, and/or HOA fees for non-subject property for property located at xxx - Due Diligence Vendor-05/13/2026 |
Resolved-page 642 ins., property search provided - Due Diligence
Vendor-05/18/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.30 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.30 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.63 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000126595 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-05-13 07:54 | 2026-05-14 07:45 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/14/2026 Ready for Review-Please waive the condition. - Due Diligence Vendor-05/14/2026 Open-Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-05/13/2026 |
Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/14/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.04 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000129216 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000127513 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000128378 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000128610 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000127419 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000128365 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000127543 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000130061 | D | A | D | A | A | A | D | A | Closed | FCRE8138 | 2026-05-13 17:49 | 2026-06-24 02:11 | Resolved | 1 - Information | C | A | Credit | Income | DSCR is less than the guideline minimum | Resolved-Updated - Due Diligence Vendor-05/15/2026 Resolved-Calculated DSCR of 0.665 meets guideline minimum DSCR of 0. - Due Diligence Vendor-05/15/2026 Ready for Review-DSCR <0.75 is permitted per xxx guide with 12mos. negative cashflow reserves. Asset documentation supports required reserve amount. - Due Diligence Vendor-05/14/2026 Open-Calculated DSCR of 0.665 is less than guideline DSCR of 0.75. The calculated DSCR of 0.665 is below the minimum guideline requirement of 0.75. - Due Diligence Vendor-05/13/2026 |
Resolved-Updated - Due Diligence Vendor-05/15/2026 Resolved-Calculated DSCR of 0.665 meets guideline minimum DSCR of 0. - Due Diligence Vendor-05/15/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Validated Borrower At Current Residence For Five (5) Or More Years - 8.00
Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 10.53 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | |||||
| 4000130061 | D | A | D | A | A | A | D | A | Closed | FCRE1814 | 2026-05-15 08:26 | 2026-05-15 12:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-lender provided docs - Due Diligence Vendor-05/15/2026
Ready for Review-Please see attached. - Due Diligence Vendor-05/15/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN - Due Diligence Vendor-05/15/2026 |
Resolved-lender provided docs - Due Diligence
Vendor-05/15/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Validated Borrower At Current Residence For Five (5) Or More Years - 8.00
Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 10.53 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000130061 | D | A | D | A | A | A | D | A | Closed | FPRO1242 | 2026-05-13 17:37 | 2026-05-15 12:36 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-1004D provided - Due Diligence Vendor-05/15/2026 Resolved-Appraisal has been provided - Due Diligence Vendor-05/15/2026 Ready for Review-Please see attached. - Due Diligence Vendor-05/15/2026 Counter-Appraisal received but appraisal is subject to, Missing 1004D showing completion. - Due Diligence Vendor-05/15/2026 Ready for Review-See attached. - Due Diligence Vendor-05/14/2026 Open-Appraisal is Missing The Appraisal Report is missing from the loan file. - Due Diligence Vendor-05/14/2026 |
Resolved-1004D provided - Due Diligence Vendor-05/15/2026 Resolved-Appraisal has been provided - Due Diligence Vendor-05/15/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Validated Borrower At Current Residence For Five (5) Or More Years - 8.00
Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 10.53 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000130061 | D | A | D | A | A | A | D | A | Closed | FPRO1136 | 2026-05-15 07:59 | 2026-05-15 12:36 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is
completed on an As-Is Basis, the 1004D Completion Report is fully present, or
Not Applicable - Due Diligence Vendor-05/15/2026 Ready for Review-See attached. - Due Diligence Vendor-05/15/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present Missing 1004D, also could be duplicate with counter of missing appraisal. - Due Diligence Vendor-05/15/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present - Due Diligence Vendor-05/15/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present - Due Diligence Vendor-05/15/2026 |
Resolved-Primary Value for Subject Property Appraisal is
completed on an As-Is Basis, the 1004D Completion Report is fully present, or
Not Applicable - Due Diligence Vendor-05/15/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Validated Borrower At Current Residence For Five (5) Or More Years - 8.00
Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 10.53 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000130061 | D | A | D | A | A | A | D | A | Closed | FCRE1258 | 2026-05-13 17:55 | 2026-05-15 08:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Approval Info | Collateral Underwriter Missing | Resolved-Collateral Underwriter Provided or Not Applicable - Due
Diligence Vendor-05/15/2026 Resolved- - Due Diligence Vendor-05/15/2026 Ready for Review-See attached. - Due Diligence Vendor-05/14/2026 Open-Please verify Collateral Underwriter Score Provided is actually Missing. The Collateral Underwriter (CU) Score is missing from the loan file. - Due Diligence Vendor-05/13/2026 |
Resolved-Collateral Underwriter Provided or Not Applicable - Due
Diligence Vendor-05/15/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Validated Borrower At Current Residence For Five (5) Or More Years - 8.00
Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 10.53 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000130061 | D | A | D | A | A | A | D | A | Closed | FCRE9959 | 2026-05-13 17:35 | 2026-05-15 08:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing final closing disclosure/settlement statement/equivalent | Resolved-CD provided - Due Diligence Vendor-05/15/2026 Resolved-Missing Final Settlement Statement/equivalent CD provided - Due Diligence Vendor-05/15/2026 Ready for Review-See attached. - Due Diligence Vendor-05/14/2026 Open-Missing Final Settlement Statement/equivalent The Final Settlement Statement, or equivalent closing disclosure documentation, is missing from the loan file. - Due Diligence Vendor-05/13/2026 |
Resolved-CD provided - Due Diligence Vendor-05/15/2026 Resolved-Missing Final Settlement Statement/equivalent CD provided - Due Diligence Vendor-05/15/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Validated Borrower At Current Residence For Five (5) Or More Years - 8.00
Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 10.53 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000130061 | D | A | D | A | A | A | D | A | Closed | FCRE1145 | 2026-05-13 17:36 | 2026-05-15 08:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence
Vendor-05/15/2026 Ready for Review-Please see the attached FTP. - Due Diligence Vendor-05/14/2026 Open-Title Document is missing The Title Document is missing from the loan file. - Due Diligence Vendor-05/13/2026 |
Resolved-Title Document is fully Present - Due Diligence
Vendor-05/15/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Validated Borrower At Current Residence For Five (5) Or More Years - 8.00
Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 10.53 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000130061 | D | A | D | A | A | A | D | A | Closed | FCRE1161 | 2026-05-13 17:39 | 2026-05-15 07:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence
Vendor-05/15/2026 Ready for Review-See attached. - Due Diligence Vendor-05/14/2026 Open-Missing Flood Certificate The Flood Certification is missing from the loan file. - Due Diligence Vendor-05/13/2026 |
Resolved-Flood Certificate is fully present - Due Diligence
Vendor-05/15/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Validated Borrower At Current Residence For Five (5) Or More Years - 8.00
Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 10.53 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000130061 | D | A | D | A | A | A | D | A | Closed | FCRE1157 | 2026-05-13 17:39 | 2026-05-15 07:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due
Diligence Vendor-05/15/2026 Ready for Review-See attached. - Due Diligence Vendor-05/14/2026 Open-Missing Hazard Insurance Policy The Hazard Insurance Policy is missing from the loan file. - Due Diligence Vendor-05/13/2026 |
Resolved-Hazard Insurance Policy is fully present - Due
Diligence Vendor-05/15/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Validated Borrower At Current Residence For Five (5) Or More Years - 8.00
Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 10.53 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000130061 | D | A | D | A | A | A | D | A | Closed | FCRE1201 | 2026-05-13 17:40 | 2026-05-15 07:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-05/15/2026 Ready for Review-See attached. - Due Diligence Vendor-05/14/2026 Open-Missing Third Party Fraud Report The Third-Party Fraud Report is missing from the loan file. - Due Diligence Vendor-05/13/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-05/15/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Validated Borrower At Current Residence For Five (5) Or More Years - 8.00
Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 10.53 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000127544 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000128362 | D | A | D | A | A | A | A | A | Closed | FCRE1157 | 2026-05-13 13:15 | 2026-05-18 12:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due
Diligence Vendor-05/18/2026 Ready for Review-sorry about that here is the correct one - Due Diligence Vendor-05/15/2026 Counter-Document Uploaded. Missing HOI policy for the subject property reflecting dwelling coverage, the dec page provided is for xxx, Condition is for xxx - Due Diligence Vendor-05/15/2026 Ready for Review-HOI - Due Diligence Vendor-05/14/2026 Open-Missing Hazard Insurance Policy for subject property - Due Diligence Vendor-05/13/2026 |
Resolved-Hazard Insurance Policy is fully present - Due
Diligence Vendor-05/18/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 93.67 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000128362 | D | A | D | A | A | A | A | A | Closed | FCRE8639 | 2026-05-13 14:26 | 2026-05-15 12:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence
Vendor-05/15/2026 Ready for Review-Personal Guarantee - Due Diligence Vendor-05/15/2026 Open-Personal Guaranty is missing. - Due Diligence Vendor-05/13/2026 |
Resolved-Personal Guaranty is Present. - Due Diligence
Vendor-05/15/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 93.67 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000127344 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-05-14 13:34 | 2026-05-15 14:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved- - Due Diligence Vendor-05/15/2026 Ready for Review-Hello Team, please see attached the Property Profile showing the property is single family so no HOA . Please waive condition. Thank you - Due Diligence Vendor-05/14/2026 Open-Provide documentation confirming whether an HOA fee applies to the borrower’s primary residence at xxx, and if applicable, evidence of the monthly HOA obligation to ensure accurate housing expense calculation; additional conditions may apply upon review. - Due Diligence Vendor-05/14/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.06 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 75.36 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | |||||
| 4000127344 | D | A | D | A | A | A | A | A | Closed | FCRE1202 | 2026-05-14 16:14 | 2026-05-15 14:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved- - Due Diligence Vendor-05/15/2026 Ready for Review-Hello Team, please see attached, thank you - Due Diligence Vendor-05/14/2026 Open-Missing fraud report evidencing all alerts cleared per GL; all high-level alerts, red flags, and related findings must be addressed and/or resolved prior to closing. - Due Diligence Vendor-05/14/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.06 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 75.36 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | |||||
| 4000127440 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000127341 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-05-14 04:50 | 2026-05-15 07:26 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-**Received PCCD - Due Diligence Vendor-05/15/2026 Resolved- - Due Diligence Vendor-05/15/2026 Ready for Review-Hello team, please see attached PCCD, thank you. - Due Diligence Vendor-05/14/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ******* Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 |
Resolved-**Received PCCD - Due Diligence Vendor-05/15/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 40.48% Is Less Than The Guideline
Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.45 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000128878 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000125795 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-05-14 08:23 | 2026-05-15 15:07 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-**Received PCCD - Due Diligence Vendor-05/15/2026 Resolved- - Due Diligence Vendor-05/15/2026 Ready for Review-Hello team, please see attached PCCD, thank you. - Due Diligence Vendor-05/15/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ***The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-05/15/2026 Open- - Due Diligence Vendor-05/15/2026 Open- - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 |
Resolved-**Received PCCD - Due Diligence Vendor-05/15/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.83% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.34 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000127706 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000129348 | C | A | A | A | C | A | A | A | Closed | finding-3712 | 2026-05-14 10:11 | 2026-05-18 11:31 | Resolved | 1 - Information | A | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-***Received PCCD - Due Diligence Vendor-05/18/2026 Rescinded- - Due Diligence Vendor-05/18/2026 Rescinded- - Due Diligence Vendor-05/18/2026 Rescinded-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan (xxx) exceeds the per diem interest charge or credit threshold (xxx).PLEASE NOTE: An additional xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/15/2026 Open- - Due Diligence Vendor-05/14/2026 |
Resolved-***Received PCCD - Due Diligence Vendor-05/18/2026 Rescinded-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan (xxx) exceeds the per diem interest charge or credit threshold (xxx).PLEASE NOTE: An additional xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-05/14/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.52% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | |||||
| 4000129348 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-05-14 10:11 | 2026-05-18 11:26 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-***Received PCCD - Due Diligence Vendor-05/18/2026 Resolved- - Due Diligence Vendor-05/18/2026 Ready for Review-Hello team, please see attached PCCD, thank you. - Due Diligence Vendor-05/15/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ***The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-05/15/2026 Open- - Due Diligence Vendor-05/15/2026 Open- - Due Diligence Vendor-05/14/2026 |
Resolved-***Received PCCD - Due Diligence Vendor-05/18/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.52% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000126631 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-05-14 01:44 | 2026-05-18 01:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-05/18/2026 Ready for Review-Please find attached. - Due Diligence Vendor-05/18/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-05/14/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-05/18/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 16.67% Is Below The Guideline Maximum Of 80% By Ten
Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000127769 | C | A | C | A | C | A | A | A | Closed | FCRE7000 | 2026-05-14 01:09 | 2026-05-18 12:20 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due
Diligence Vendor-05/18/2026 Ready for Review-Hello Team, please see attached PCCD and final settlement statement showing the cash to close is xxx and the gift fund amount is xxx, so the borrower has enough funds to close. Thank you. - Due Diligence Vendor-05/15/2026 Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx. Provide documentation evidencing sufficient additional verified funds to cover the xxx shortfall, as verified gift funds of xxx are insufficient to meet the required cash to close of xxx; additional conditions may apply upon review. - Due Diligence Vendor-05/14/2026 |
Resolved-Total Liquid Assets Available for Close Resolved - Due
Diligence Vendor-05/18/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40.75% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000127769 | C | A | C | A | C | A | A | A | Closed | finding-47 | 2026-05-14 05:49 | 2026-05-15 15:22 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-**Received PCCD - Due Diligence Vendor-05/15/2026 Resolved- - Due Diligence Vendor-05/15/2026 Ready for Review-Hello team, please see attached PCCD with updated disbursement date, thank you. - Due Diligence Vendor-05/15/2026 Open- - Due Diligence Vendor-05/15/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Cancelation date xxx is same as Final Cd disbursement date, please provide PCCD with the updated disbursement date after cancel date. - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 |
Resolved-**Received PCCD - Due Diligence Vendor-05/15/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40.75% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000128968 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000126505 | C | A | C | A | A | A | A | A | Closed | FCRE1194 | 2026-05-14 06:44 | 2026-05-18 09:25 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Lender provided updated 1008 comment mentioned short
term rental income - Due Diligence Vendor-05/18/2026 Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. -per UW: Per field guide, 85% is max LTV with ratio greater than 1.00 / why is one of the three conditions cleared? - Seller-05/15/2026 Open-Audited LTV of 80% exceeds Guideline LTV of 75% DSCR is .776. Rental per 1004 xxx/ PITIA xxx = .776 DSCR Max LTV is 75% Would need exception and no exception found - Due Diligence Vendor-05/14/2026 |
Ready for Review-Document Uploaded. -per UW: Per field guide,
85% is max LTV with ratio greater than 1.00 / why is one of the three
conditions cleared? - Seller-05/15/2026 |
Resolved-Lender provided updated 1008 comment mentioned short
term rental income - Due Diligence Vendor-05/18/2026 Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-05/18/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 98.9 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | |||
| 4000126505 | C | A | C | A | A | A | A | A | Closed | FCRE1196 | 2026-05-14 06:44 | 2026-05-18 09:23 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Audited HCLTV of 80% is less than or equal to Guideline
HCLTV of 80% - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. - Seller-05/15/2026 Open-Audited HCLTV of 80% exceeds Guideline HCLTV of 75% DSCR is .776. Rental per 1004 xxx/ PITIA xxx = .776 DSCR Max LTV is 75% Would need exception and no exception found - Due Diligence Vendor-05/14/2026 |
Ready for Review-Document Uploaded. - Seller-05/15/2026 |
Resolved-Audited HCLTV of 80% is less than or equal to Guideline
HCLTV of 80% - Due Diligence Vendor-05/18/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 98.9 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | |||
| 4000120338 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000127387 | C | A | C | A | A | A | A | A | Closed | FCRE7000 | 2026-05-14 02:29 | 2026-05-18 15:36 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due
Diligence Vendor-05/18/2026 Ready for Review-Hello Team, please see the attached PCCD and final settlement statement showing the cash to close is xxx and the xxx assets with added gift funds is xxx, so the borrower has enough funds to close, thank you. - Due Diligence Vendor-05/15/2026 Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx. Provide documentation evidencing sufficient additional verified funds to cover the xxx shortfall, as current verified funds (EMD xxx, Gift Funds xxx, and xxx, as applicable toward closing) are insufficient to meet the required cash to close; additional conditions may apply upon review. - Due Diligence Vendor-05/14/2026 |
Resolved-Total Liquid Assets Available for Close Resolved - Due
Diligence Vendor-05/18/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or
More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More -
10.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 34.43% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.03% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127770 | D | A | C | A | A | A | D | A | Closed | FPRO1242 | 2026-05-14 20:18 | 2026-05-29 12:31 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-2nd full appraisal provided - Due Diligence Vendor-05/29/2026 Resolved-Appraisal has been provided - Due Diligence Vendor-05/29/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-05/28/2026 Open-Provide a second appraisal, as the transaction meets flip transaction requirements per GL. Subject property was previously sold on xxx for xxx and is being resold for xxx, representing a 33.19% price increase within the applicable flip transaction timeframe (91–180 days), exceeding the >20% threshold; additional conditions may apply upon review. - Due Diligence Vendor-05/15/2026 |
Resolved-2nd full appraisal provided - Due Diligence Vendor-05/29/2026 Resolved-Appraisal has been provided - Due Diligence Vendor-05/29/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127770 | D | A | C | A | A | A | D | A | Closed | FCRE7000 | 2026-05-14 09:26 | 2026-05-26 11:04 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due
Diligence Vendor-05/26/2026 Ready for Review-Hello team, please see attached PCCD and final ss showing updated CTC is xxx, and borrower has total liquid assets of xxx, meeting the required CTC, thank you. - Due Diligence Vendor-05/22/2026 Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx. Insufficient verified funds to close. Current verified funds, including EMD of xxx, Gift Funds of xxx., and xxx assets of xxx (as applicable toward closing), are insufficient to meet the required cash to close, resulting in a verified funds shortfall of xxx. - Due Diligence Vendor-05/15/2026 |
Resolved-Total Liquid Assets Available for Close Resolved - Due
Diligence Vendor-05/26/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127770 | D | A | C | A | A | A | D | A | Closed | FCRE1204 | 2026-05-14 20:19 | 2026-05-26 10:36 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud report provided
- Due Diligence Vendor-05/26/2026 Ready for Review-Hello team, please see attached fraud report, thank you. - Due Diligence Vendor-05/22/2026 Open-Missing fraud report evidencing all alerts cleared per GL; all high-level alerts, red flags, and related findings must be addressed and/or resolved prior to closing. - Due Diligence Vendor-05/15/2026 |
Resolved-Fraud report provided
- Due Diligence Vendor-05/26/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000126377 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-05-14 22:28 | 2026-05-26 12:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-REO documents provided
- Due Diligence Vendor-05/26/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-05/23/2026 Counter-Co-op resolved but still need documentation evidencing the HOA payment for Condo Unit 84 at REO property xxx - Due Diligence Vendor-05/21/2026 Ready for Review-Hello Team, the xxx is the co-opp so no HOI is required. Please waive condition. Thank you - Due Diligence Vendor-05/20/2026 Open-Provide documentation evidencing the HOA payment for Condo xxx, as this expense is required to accurately assess the borrower’s recurring real estate obligations; additional conditions may apply upon review. AND Provide documentation confirming there is no separate hazard insurance (HOI) obligations for REO property xxx; additional conditions may apply upon review. - Due Diligence Vendor-05/15/2026 |
Resolved-REO documents provided
- Due Diligence Vendor-05/26/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - VALIDATED Qualifying FICO Of xxx is Greater Than The
Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - VALIDATED Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - VALIDATED Calculated DTI Of 29.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - VALIDATED Months Reserves Of 97.97 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - VALIDATED Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - VALIDATED Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000126377 | D | A | D | A | A | A | A | A | Closed | FCRE8611 | 2026-05-14 22:23 | 2026-05-21 13:36 | Resolved | 1 - Information | C | A | Credit | Income | Income/Employment General | Resolved- - Due Diligence Vendor-05/21/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-05/20/2026 Open-Provide an updated VVOE for the self-employed borrower, as the current verification dated xxx exceeds the 30-day requirement from the xxx Note date. Verification must be obtained through an acceptable third-party source per GL; additional conditions may apply upon review. - Due Diligence Vendor-05/15/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - VALIDATED Qualifying FICO Of xxx is Greater Than The
Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - VALIDATED Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - VALIDATED Calculated DTI Of 29.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - VALIDATED Months Reserves Of 97.97 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - VALIDATED Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - VALIDATED Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | |||||
| 4000126377 | D | A | D | A | A | A | A | A | Closed | FCRE1204 | 2026-05-14 22:22 | 2026-05-15 14:17 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-updated - Due Diligence Vendor-05/15/2026 Ready for Review-Hello team, please see attached, thank you. - Due Diligence Vendor-05/15/2026 Open-Missing fraud report evidencing all alerts cleared per GL; all high-level alerts, red flags, and related findings must be addressed and/or resolved prior to closing. - Due Diligence Vendor-05/15/2026 |
Resolved-updated - Due Diligence Vendor-05/15/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - VALIDATED Qualifying FICO Of xxx is Greater Than The
Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - VALIDATED Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - VALIDATED Calculated DTI Of 29.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - VALIDATED Months Reserves Of 97.97 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - VALIDATED Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - VALIDATED Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000128873 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000130097 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000127018 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000128872 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000127983 | D | A | D | A | D | A | A | A | Closed | FCRE7497 | 2026-05-15 13:00 | 2026-05-18 08:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-No additional HOA fees.
- Due Diligence Vendor-05/18/2026 Ready for Review-Hello Team, please see attached showing this property is a single-family residence, so no HOA dues, please waive this condition, thank you. - Due Diligence Vendor-05/15/2026 Open-Provide complete REO property details for xxx, including confirmation of whether an HOA applies and the associated monthly HOA obligation, if applicable, as the East Rise CU mortgage reflects escrow for Real Estate Taxes and Hazard Insurance only; additional conditions may apply upon review. - Due Diligence Vendor-05/15/2026 |
Resolved-No additional HOA fees.
- Due Diligence Vendor-05/18/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 9.69 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127983 | D | A | D | A | D | A | A | A | Closed | FCOM1208 | 2026-05-15 11:17 | 2026-05-18 08:22 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-05/18/2026
Ready for Review-Hello team, please see attached with appropriate prepayment addendum, thank you. - Due Diligence Vendor-05/15/2026 Open-The Note is Incomplete Provide the fully executed Prepayment Note Addendum, as the required document is missing from the file; additional conditions may apply upon review. - Due Diligence Vendor-05/15/2026 |
Resolved-The Note is Present - Due Diligence
Vendor-05/18/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 9.69 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000129203 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000128493 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000129400 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000129347 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000128096 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-05-15 17:50 | 2026-05-18 08:01 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/18/2026 Ready for Review-Please see the attached system image reflecting application date xxx. Thank you! - Due Diligence Vendor-05/18/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-05/15/2026 |
Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/18/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.33 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.66 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.27 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127782 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000126251 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000127454 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-05-15 08:47 | 2026-05-21 16:28 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-***Received PCCD - Due Diligence Vendor-05/21/2026 Ready for Review-Hello team, please see attached PCCD and final settlement statement, thank you. - Due Diligence Vendor-05/20/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ******* Borrower executed documents on xxx, after Final Closing Disclosure Disbursement date of xxx. Please provide Post Consummation Closing Disclosure with actual disbursement date. - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/15/2026 Open- - Due Diligence Vendor-05/15/2026 |
Resolved-***Received PCCD - Due Diligence Vendor-05/21/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.26% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.06 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.35 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000128640 | D | A | D | A | C | A | A | A | Closed | FCRE1193 | 2026-05-18 09:23 | 2026-05-19 22:08 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-After providing additional evidence that departing
residence mortgage paid by other party and other mortgage removed by credit
reporting agency, DTI falls within guidelines. - Due Diligence Vendor-05/20/2026 Ready for Review-This property does not have any rental income, therefore no related documentation is available. Additionally, the DTI without rental income is 44.64%, which is within the guideline. Could you please review and waive the condition? - Due Diligence Vendor-05/19/2026 Open-Audited DTI of 117.09% exceeds Guideline DTI of 50% Need an updated 1003 with the complete rental income details for xxx. Need current copy of all lease agreement(s) to qualify within 50% back end DTI. - Due Diligence Vendor-05/18/2026 |
Resolved-After providing additional evidence that departing
residence mortgage paid by other party and other mortgage removed by credit
reporting agency, DTI falls within guidelines. - Due Diligence Vendor-05/20/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.05 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.83% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.93 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.41 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000128640 | D | A | D | A | C | A | A | A | Closed | FCRE1802 | 2026-05-15 15:33 | 2026-05-19 22:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Schedule of Real Estate all Parties Missing | Resolved-Lender provided 12 month's evidence other mortgage
payment for departing residence paid by non borrower. They are on other
mortgage statement. - Due Diligence
Vendor-05/20/2026 Ready for Review-This property does not have any rental income, therefore no related documentation is available. Additionally, the DTI without rental income is 44.64%, which is within the guideline. Could you please review and waive the condition? - Due Diligence Vendor-05/19/2026 Open-Need an updated 1003 with the complete rental income details for xxx.. Need current copy of all lease agreement(s) to qualify within 50% back end DTI. - Due Diligence Vendor-05/15/2026 |
Resolved-Lender provided 12 month's evidence other mortgage
payment for departing residence paid by non borrower. They are on other
mortgage statement. - Due Diligence
Vendor-05/20/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.05 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.83% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.93 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.41 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000128640 | D | A | D | A | C | A | A | A | Closed | FCRE1803 | 2026-05-15 15:31 | 2026-05-19 21:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Schedule of Real Estate all Parties Incomplete | Resolved-lender provided update from CBR showing removed - Due
Diligence Vendor-05/20/2026 Ready for Review-Please refer to pages 93-98 of the package, where the relevant documentation has been provided. Kindly review and waive the condition at your earliest convenience. - Due Diligence Vendor-05/19/2026 Open-Need an updated 1003 with the complete PITI and rental income details for xxx that matches to a Nationstar Mtg pymnt xxx on the credit report. Need current copy of all lease agreement(s) to qualify within 50% back end DTI. - Due Diligence Vendor-05/15/2026 |
Resolved-lender provided update from CBR showing removed - Due
Diligence Vendor-05/20/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.05 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.83% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.93 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.41 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000128640 | D | A | D | A | C | A | A | A | Closed | FCOM7353 | 2026-05-15 16:56 | 2026-05-19 15:40 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/19/2026 Ready for Review-Please see attached :) Thank you! - Due Diligence Vendor-05/19/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-05/15/2026 |
Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/19/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.05 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.83% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.93 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.41 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000125541 | D | A | D | A | A | A | A | A | Closed | FCRE5770 | 2026-05-18 08:02 | 2026-06-02 12:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due
Diligence Vendor-06/02/2026 Ready for Review-Credit Report - Due Diligence Vendor-06/01/2026 Open-Borrower 1 Credit Report is Missing. Missing CBR dated at the time of Application (xxx) to support Lenders Qualifying Fico of xxx - Due Diligence Vendor-05/18/2026 |
Resolved-Borrower 1 Credit Report is not missing. - Due
Diligence Vendor-06/02/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 24.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.23 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127708 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000127451 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-05-15 08:48 | 2026-05-21 09:45 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-***Received PCCD - Due Diligence Vendor-05/21/2026 Resolved- - Due Diligence Vendor-05/21/2026 Ready for Review-Hello Team, please see attached PCCD and final settlement statement, thank you. - Due Diligence Vendor-05/19/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ***The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/15/2026 Open- - Due Diligence Vendor-05/15/2026 |
Resolved-***Received PCCD - Due Diligence Vendor-05/21/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 62.86% Is Below The Guideline Maximum Of 75% By Ten
Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 125.25 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000127451 | C | A | A | A | C | A | A | A | Closed | finding-3712 | 2026-05-15 08:48 | 2026-05-21 09:45 | Resolved | 1 - Information | A | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-***Received PCCD - Due Diligence Vendor-05/21/2026 Rescinded- - Due Diligence Vendor-05/21/2026 Rescinded-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan (xxx) exceeds the per diem interest charge or credit threshold (xxx).PLEASE NOTE: An additional xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-05/15/2026 Open- - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/15/2026 Open- - Due Diligence Vendor-05/15/2026 |
Resolved-***Received PCCD - Due Diligence Vendor-05/21/2026 Rescinded-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan (xxx) exceeds the per diem interest charge or credit threshold (xxx).PLEASE NOTE: An additional xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-05/15/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 62.86% Is Below The Guideline Maximum Of 75% By Ten
Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 125.25 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | |||||
| 4000128933 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000128910 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000128966 | D | A | A | A | D | A | A | A | Closed | FCOM8891 | 2026-05-15 13:09 | 2026-05-15 16:48 | Resolved | 1 - Information | C | A | Compliance | Closing Package | Other Compliance | Resolved-Documents provided - Due Diligence Vendor-05/15/2026
Ready for Review-duplicate condition. - Seller-05/15/2026 Open-Final CD in file dated xxx is missing page 2 and does not satisfy Compliance Testing. Compliance Testing results are incomplete until complete disclosures are received. - Due Diligence Vendor-05/15/2026 |
Ready for Review-duplicate condition. - Seller-05/15/2026 |
Resolved-Documents provided - Due Diligence Vendor-05/15/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 31.85% Is Less Than The Guideline
Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 269.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000128966 | D | A | A | A | D | A | A | A | Closed | finding-3626 | 2026-05-15 16:42 | 2026-05-15 16:47 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID "Section C. Services You Can Shop For / Services Borrower Did Shop For" Validation Test | Resolved- - Due Diligence Vendor-05/15/2026 Open- - Due Diligence Vendor-05/15/2026 Open-This loan failed the TRID "Section C. Services You Can Shop For / Services Borrower Did Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section C. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount and a subtotal of all such amounts the consumer will pay for settlement services for which the consumer can shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. - Due Diligence Vendor-05/15/2026 |
Resolved- - Due Diligence Vendor-05/15/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 31.85% Is Less Than The Guideline
Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 269.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | |||||
| 4000128966 | D | A | A | A | D | A | A | A | Closed | finding-651 | 2026-05-15 16:42 | 2026-05-15 16:45 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved- - Due Diligence Vendor-05/15/2026 Open-This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) )The finance charge is xxx. The disclosed finance charge of xxx is not considered accurate because it is understated by more than xxx. - Due Diligence Vendor-05/15/2026 |
Resolved- - Due Diligence Vendor-05/15/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 31.85% Is Less Than The Guideline
Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 269.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | |||||
| 4000128966 | D | A | A | A | D | A | A | A | Closed | FCOM1544 | 2026-05-15 13:10 | 2026-05-15 16:43 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence
Vendor-05/15/2026 Ready for Review-Document Uploaded. FCD attached. Thank you. - Seller-05/15/2026 Open-TRID: Missing Final Closing Disclosure Final CD in file dated xxx is missing page 2 and does not satisfy Compliance Testing. Compliance Testing results are incomplete until complete disclosures are received. - Due Diligence Vendor-05/15/2026 |
Ready for Review-Document Uploaded. FCD attached. Thank you. -
Seller-05/15/2026 |
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence
Vendor-05/15/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 31.85% Is Less Than The Guideline
Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 269.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | |||
| 4000127985 | D | A | D | A | A | A | A | A | Closed | FCRE7000 | 2026-05-15 02:22 | 2026-05-18 12:49 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due
Diligence Vendor-05/18/2026 Ready for Review-Hello Team, please see attached PCCD and final settlement statement showing the cash to close is xxx and the gift fund amount is xxx, so the borrower has enough funds to close. Thank you. - Due Diligence Vendor-05/15/2026 Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx. Provide documentation evidencing sufficient verified funds to meet the required cash to close, as current verified assets, including EMD of xxx (gift funds) and additional gift funds of xxx, reflect a documented shortfall of xxx; additional conditions may apply upon review. - Due Diligence Vendor-05/15/2026 |
Resolved-Total Liquid Assets Available for Close Resolved - Due
Diligence Vendor-05/18/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.08 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127985 | D | A | D | A | A | A | A | A | Closed | FCRE1252 | 2026-05-15 01:19 | 2026-05-15 14:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence
Vendor-05/15/2026 Ready for Review-Hello team, please see attached title policy, review pages 4-8 for the preliminary title, thank you. - Due Diligence Vendor-05/15/2026 Open-Title Document is Incomplete Provide the complete Title Commitment for xxx Diamond Escrow file xxx for the subject property located at xxx, including all schedules, exceptions, requirements, and applicable endorsements, to support review of title status and lien position; additional conditions may apply upon review. - Due Diligence Vendor-05/15/2026 |
Resolved-Title Document is Provided And Complete - Due Diligence
Vendor-05/15/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.08 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000129066 | D | A | D | A | C | A | A | A | Closed | finding-3532 | 2026-05-15 13:07 | 2026-05-21 15:38 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-***Received missing disclosures - Due Diligence
Vendor-05/21/2026 Resolved- - Due Diligence Vendor-05/21/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-05/20/2026 Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/15/2026 |
Resolved-***Received missing disclosures - Due Diligence
Vendor-05/21/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000129066 | D | A | D | A | C | A | A | A | Closed | finding-3526 | 2026-05-15 13:07 | 2026-05-21 15:28 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved-***Received missing disclosures - Due Diligence
Vendor-05/21/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-05/20/2026 Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: ( 12 CFR §1026.19(e)(4)(ii) )The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/15/2026 |
Resolved-***Received missing disclosures - Due Diligence
Vendor-05/21/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000129066 | D | A | D | A | C | A | A | A | Closed | FCRE7347 | 2026-05-15 08:27 | 2026-05-21 06:37 | Resolved | 1 - Information | A | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-docs uploaded - Due Diligence Vendor-05/21/2026 Ready for Review-Hello Team, the property xxx is xxx and the document was included in CP. Please waive this condition. Thank you - Due Diligence Vendor-05/20/2026 Open-Missing Lease Agreement of xxx- So updated from 1003 - Due Diligence Vendor-05/15/2026 |
Resolved-docs uploaded - Due Diligence Vendor-05/21/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000129066 | D | A | D | A | C | A | A | A | Closed | FCRE1503 | 2026-05-15 08:25 | 2026-05-21 06:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-docs uploaded - Due Diligence Vendor-05/21/2026 Ready for Review-Hello Team, please see attached, thank you - Due Diligence Vendor-05/20/2026 Open-Mortgage Statement(s) Missing xxx If taxes and insurance are not escrowed, missing tax cert & hazard insurance also - Due Diligence Vendor-05/15/2026 |
Resolved-docs uploaded - Due Diligence Vendor-05/21/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000129066 | D | A | D | A | C | A | A | A | Closed | FCRE1167 | 2026-05-15 05:59 | 2026-05-21 06:27 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due
Diligence Vendor-05/21/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-05/20/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx - Due Diligence Vendor-05/15/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due
Diligence Vendor-05/21/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127342 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000128638 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-05-18 08:06 | 2026-05-19 14:40 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received clarification of the application date - Due
Diligence Vendor-05/19/2026 Ready for Review-Please find attached. - Due Diligence Vendor-05/18/2026 Open-“Documentation provided does not include confirmation of the borrower’s application date. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you. - Due Diligence Vendor-05/18/2026 |
Resolved-***Received clarification of the application date - Due
Diligence Vendor-05/19/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.14 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.95 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.75 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000127953 | C | A | A | A | C | A | A | A | Closed | finding-3634 | 2026-05-18 12:43 | 2026-05-27 10:47 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-***Received explanation regarding the application date
and LE issue xxx. - Due Diligence Vendor-05/27/2026 Counter- - Due Diligence Vendor-05/27/2026 Counter-**Received document indicating the application date is xxx. Lender to provide further explanation and clarification regarding the Loan Estimate issued xxx, prior to the xxx application date. - Due Diligence Vendor-05/26/2026 Counter-***Received copy of same disclosures found in the original file. Finding remains unresolved. The Appraisal Fee was first disclosed in the revised LE issued xxx and was not part of the initial baseline. The file does not contain a valid COC in relation to the new fee. - Due Diligence Vendor-05/21/2026 Open-The following charges have been increased: Appraisal Fee resulting in a 0% tolerance cure in the amount of xxx Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/18/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/18/2026 |
Resolved-***Received explanation regarding the application date
and LE issue xxx. - Due Diligence Vendor-05/27/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | |||||
| 4000127953 | C | A | A | A | C | A | A | A | Closed | finding-3631 | 2026-05-18 12:43 | 2026-05-27 10:47 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-***Received explanation regarding the application date
and LE issue xxx. - Due Diligence Vendor-05/27/2026 Counter- - Due Diligence Vendor-05/27/2026 Counter-**Received document indicating the application date is xxx. Lender to provide further explanation and clarification regarding the Loan Estimate issued xxx, prior to the xxx application date. - Due Diligence Vendor-05/26/2026 Counter-***Received copy of same disclosures found in the original file. Finding remains unresolved. The Appraisal Fee was first disclosed in the revised LE issued xxx and was not part of the initial baseline. The file does not contain a valid COC in relation to the new fee. - Due Diligence Vendor-05/21/2026 Open-The following charges have been increased: Appraisal Fee resulting in a 0% tolerance cure in the amount of xxx Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/18/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/18/2026 |
Resolved-***Received explanation regarding the application date
and LE issue xxx. - Due Diligence Vendor-05/27/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | |||||
| 4000127953 | C | A | A | A | C | A | A | A | Closed | finding-3632 | 2026-05-18 12:43 | 2026-05-27 10:47 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-***Received explanation regarding the application date
and LE issue xxx. - Due Diligence Vendor-05/27/2026 Resolved- - Due Diligence Vendor-05/27/2026 Ready for Review-We apologize for the confusion and for not identifying this issue sooner. We have now reviewed the xxxdocument in question with the department that handled the initial disclosures. We were advised that the xxx document was an unsigned and unissued draft generated during preliminary discussions with the broker and was never finalized, signed, or disclosed to the borrower as an official Loan Estimate. Unfortunately, the draft document was inadvertently included in the package. In addition, on the post-closing side the document had been categorized under miscellaneous documents, which delayed our identification of the issue during the condition follow-up process. The valid application date, initial disclosures, and issued Loan Estimate for this loan are all dated xxx. If any additional clarification or supporting documentation would be helpful, please let us know. Thank you for your patience and understanding. - Due Diligence Vendor-05/27/2026 Counter-**Received document indicating the application date is xxx. Lender to provide further explanation and clarification regarding the Loan Estimate issued xxx, prior to the xxx application date. - Due Diligence Vendor-05/26/2026 Ready for Review-The Lock LE dated xxx is not a revised LE, it is an Initial LE locked on the same date. The appraisal fee was disclosed as xxx to begin with. I have attached system image with application date xxx as a supporting document. Please review and let us know. Thank you. - Due Diligence Vendor-05/26/2026 Counter-***Received copy of same disclosures found in the original file. Finding remains unresolved. The Appraisal Fee was first disclosed in the revised LE issued xxx and was not part of the initial baseline. The file does not contain a valid COC in relation to the new fee. - Due Diligence Vendor-05/21/2026 Ready for Review-The Appraisal Fee is xxxin Initial/Lock LE and lowers to xxxin the Closing Disclosure. Could you please review and advise? Thank you. - Due Diligence Vendor-05/19/2026 Open-The following charges have been increased: Appraisal Fee resulting in a 0% tolerance cure in the amount of xxx Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/18/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/18/2026 |
Resolved-***Received explanation regarding the application date
and LE issue xxx. - Due Diligence Vendor-05/27/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127672 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000128876 | D | A | D | A | A | A | A | A | Closed | FCRE1827 | 2026-05-18 02:56 | 2026-05-19 14:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | US Driver’s License or other US or foreign government-issued photo ID Incomplete | Resolved-Lender update DL expiration date, similar to xxx end
date. - Due Diligence
Vendor-05/19/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-05/18/2026 Open-Driver's License Date of expiration is missing on USA PATRIOT ACT. - Due Diligence Vendor-05/18/2026 |
Resolved-Lender update DL expiration date, similar to xxx end
date. - Due Diligence
Vendor-05/19/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 43.96% Is Less Than The Guideline
Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000125790 | C | A | C | A | C | A | A | A | Closed | finding-47 | 2026-05-18 11:11 | 2026-05-19 14:21 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-***Received PCCD - Due Diligence Vendor-05/19/2026 Resolved- - Due Diligence Vendor-05/19/2026 Ready for Review-Hello Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxx. Thank you - Due Diligence Vendor-05/18/2026 Open-******* Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/18/2026 |
Resolved-***Received PCCD - Due Diligence Vendor-05/19/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 5.36 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.98% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000125790 | C | A | C | A | C | A | A | A | Closed | FCRE4805 | 2026-05-18 13:21 | 2026-05-19 14:07 | Resolved | 1 - Information | C | A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Trust/POA Meets Guideline Requirements - Due Diligence
Vendor-05/19/2026 Resolved-Lender provided full trust agreement. - Due Diligence Vendor-05/19/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-05/18/2026 Open-Trust Certificate not executed/certified/notarize. - Due Diligence Vendor-05/18/2026 |
Resolved-Trust/POA Meets Guideline Requirements - Due Diligence
Vendor-05/19/2026 Resolved-Lender provided full trust agreement. - Due Diligence Vendor-05/19/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 5.36 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.98% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000128323 | D | A | D | A | A | A | A | A | Closed | FCRE1198 | 2026-05-18 15:40 | 2026-05-19 15:37 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved- - Due Diligence Vendor-05/19/2026 Ready for Review-Borrower has verified funds of xxx which covers funds to close of xxx + xxx (4-Months Reserves) = xxx - Due Diligence Vendor-05/18/2026 Open-Audited Reserves of 3.46 are less than Guideline Required Reserves of 4 Audited Reserves of 3.46 months are less than Guideline Required Reserves of 4 months. Short reserves by xxx to make the 4 months required. Difference due to cash required to close xxx) increased by @ xxx vs cash required on 1008 of xxx. - Due Diligence Vendor-05/18/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 39.33% Is Less Than The Guideline
Maximum Of 49.99% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.95 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||||
| 4000128323 | D | A | D | A | A | A | A | A | Closed | FCRE5770 | 2026-05-18 05:21 | 2026-05-19 15:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due
Diligence Vendor-05/19/2026 Ready for Review-Please see attached. - Due Diligence Vendor-05/19/2026 Open-Missing Original CBR from the Loan file, a PREQUALIFICATION REPORT was only provided. - Due Diligence Vendor-05/19/2026 Rescinded-Borrower 1 Credit Report is Missing. See GAP report. - Due Diligence Vendor-05/18/2026 |
Resolved-Borrower 1 Credit Report is not missing. - Due
Diligence Vendor-05/19/2026 Rescinded-Borrower 1 Credit Report is Missing. See GAP report. - Due Diligence Vendor-05/18/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 39.33% Is Less Than The Guideline
Maximum Of 49.99% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.95 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000129043 | C | A | C | A | A | A | A | A | Closed | FCRE1167 | 2026-05-18 02:48 | 2026-06-03 11:16 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due
Diligence Vendor-06/03/2026 Ready for Review-Master HOI - Due Diligence Vendor-06/02/2026 Ready for Review-Master HOI - Due Diligence Vendor-06/02/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx Subject Property is a xxx, Missing HOA Master Policy as the HOI Policy states dwelling coverage as xxx, vs Loan amount of xxx. - Due Diligence Vendor-05/18/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due
Diligence Vendor-06/03/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Validated Months Reserves Of 22.63 Are Greater Than The
Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000125741 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000128932 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000127676 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000128970 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000127858 | D | A | A | A | A | A | D | A | Closed | FPRO1244 | 2026-05-18 15:27 | 2026-05-27 09:48 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided
- Due Diligence Vendor-05/27/2026 Ready for Review-cda - Due Diligence Vendor-05/26/2026 Open-3rd Party Valuation Product is Required and Missing - Due Diligence Vendor-05/18/2026 |
Resolved-desk review provided
- Due Diligence Vendor-05/27/2026 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | |||||
| 4000125758 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000129634 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000128871 | D | A | D | A | A | A | A | A | Closed | FCRE9549 | 2026-05-18 18:33 | 2026-05-22 14:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Credit Report Supplement is missing | Resolved-Credit Supplement provided 13 months - Due Diligence Vendor-05/22/2026 Ready for Review-Hello Team, please see attached, thank you - Due Diligence Vendor-05/22/2026 Open-Provide a complete 12-month mortgage payment history for the xxx mortgage secured by the subject property, as the mortgage opened on xxx and the credit report (CBR) reflects only 10 months of payment history reviewed; additional conditions may apply upon review. - Due Diligence Vendor-05/18/2026 |
Resolved-Credit Supplement provided 13 months - Due Diligence Vendor-05/22/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 36.12 Are Greater Than The Guideline
Minimum Of 2 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.33% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000128871 | D | A | D | A | A | A | A | A | Closed | FCRE5116 | 2026-05-18 18:39 | 2026-05-22 14:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Verification of Rent (VOR)/Verification of Mortgage
(VOM) Document is not Missing - Due Diligence Vendor-05/19/2026 Open-Provide an updated Verification of Rent (VOR) evidencing a complete 12-month payment history for the borrower’s primary residence, as the current VOR reflects 0x30 payment history only from xxx through xxx, which does not document a full 12-month housing history; additional conditions may apply upon review. - Due Diligence Vendor-05/18/2026 |
Resolved-Verification of Rent (VOR)/Verification of Mortgage
(VOM) Document is not Missing - Due Diligence Vendor-05/19/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 36.12 Are Greater Than The Guideline
Minimum Of 2 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.33% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxx | |||||
| 4000128871 | D | A | D | A | A | A | A | A | Closed | FCRE1204 | 2026-05-18 18:43 | 2026-05-21 16:59 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist
- Due Diligence Vendor-05/21/2026 Resolved-Fraud report provided - Due Diligence Vendor-05/21/2026 Ready for Review-Hello Team, please see attached, thank you. - Due Diligence Vendor-05/21/2026 Open-Provide an updated fraud report evidencing that all high-level alerts, red flags, and material findings have been adequately addressed and/or cleared in accordance with guideline requirements; additional conditions may apply upon review. - Due Diligence Vendor-05/18/2026 |
Resolved-All Fraud Report Alerts have been cleared or None Exist
- Due Diligence Vendor-05/21/2026 Resolved-Fraud report provided - Due Diligence Vendor-05/21/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 36.12 Are Greater Than The Guideline
Minimum Of 2 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.33% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000127741 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000128875 | D | A | C | A | D | A | A | A | Closed | FCRE1176 | 2026-05-18 09:02 | 2026-05-19 08:31 | Resolved | 1 - Information | C | A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-xxx disbursement date after xxx insurance start date - Due Diligence
Vendor-05/19/2026 Ready for Review-Hello Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxx. Thank you - Due Diligence Vendor-05/18/2026 Open-HO-6 Insurance Policy Effective Date of xxx is after the Note Date of xxx Provide an updated HO-6 (walls-in) insurance policy with an effective date on or before the Note date of xxx and sufficient coverage per guideline requirements, as the current HO-6 policy reflects an effective date of xxx, which is after both the Note date of xxx and the Closing Disclosure disbursement date of xxx; additional conditions may apply upon review. - Due Diligence Vendor-05/18/2026 |
Resolved-xxx disbursement date after xxx insurance start date - Due Diligence
Vendor-05/19/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 57.55 Are Greater Than The Guideline
Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.66% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000128875 | D | A | C | A | D | A | A | A | Closed | FCOM1208 | 2026-05-18 10:00 | 2026-05-19 08:28 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-05/19/2026
Resolved- - Due Diligence Vendor-05/19/2026 Ready for Review-Hello Team, please see attached the page 5 of Note. Thank you - Due Diligence Vendor-05/18/2026 Open-The Note is Incomplete Provide the fully executed Prepayment Note Addendum, as the required document is missing from the file; additional conditions may apply upon review. - Due Diligence Vendor-05/18/2026 |
Resolved-The Note is Present - Due Diligence
Vendor-05/19/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 57.55 Are Greater Than The Guideline
Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.66% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127163 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000129657 | C | A | A | A | C | A | A | A | Closed | FCOM1291 | 2026-05-19 18:28 | 2026-05-20 11:24 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | Creditor did not provide the appropriate Right to Cancel Form Model (same creditor with H-8 form type). | Resolved-***Received correct executed NORTC - Due Diligence
Vendor-05/20/2026 Ready for Review-Sorry for the confusion. Please see the attached correct NORTC H-9 form. - Due Diligence Vendor-05/20/2026 Open-Loan Purpose is Refinance and Creditor did not provide the appropriate Right to Cancel Form Model (Same Creditor with H-8 form type). ******Documentation provided includes an H8 Right to Cancel form. Lender has been identified as either the current lender or the recorded original lender. The correct form should be an H9 - Due Diligence Vendor-05/19/2026 |
Resolved-***Received correct executed NORTC - Due Diligence
Vendor-05/20/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.05 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 28.90 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.08% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.79% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.26 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000129657 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-05-19 07:31 | 2026-05-20 11:19 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-***Received PCCD - Due Diligence Vendor-05/20/2026 Ready for Review-Please see the attached PCCD - Due Diligence Vendor-05/20/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ******* Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-05/19/2026 Open- - Due Diligence Vendor-05/19/2026 Open- - Due Diligence Vendor-05/19/2026 |
Resolved-***Received PCCD - Due Diligence Vendor-05/20/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.05 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 28.90 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.08% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.79% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.26 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000129657 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-05-19 18:30 | 2026-05-20 10:44 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/20/2026 Ready for Review-Please see the attached App snip - Due Diligence Vendor-05/20/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-05/19/2026 |
Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/20/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.05 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 28.90 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.08% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.79% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.26 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000128261 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000125723 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000126115 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000128262 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000128446 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000129405 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000127864 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000127667 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000130521 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000129991 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000128797 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000127278 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000127920 | D | A | D | A | A | A | A | A | Closed | FCRE1468 | 2026-05-20 01:49 | 2026-05-22 08:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence
Vendor-05/22/2026 Resolved-Lender sent bank statement for xxx - Due Diligence Vendor-05/22/2026 Ready for Review-xxx - Commented to waive the condition, "Please find attached bank statement account named of xxx and CPA Letter also. These were already included in the closing pkg. Please waive the condition." #xxx - xxx * 0.9 = xxx #xxx -xxx * 0.9 = xxx - Due Diligence Vendor-05/21/2026 Counter-Please send the bank statements or VOD for the xxxxx accounts in the name of xxx - Due Diligence Vendor-05/21/2026 Ready for Review-The borrower owns 90% of xxx, so we can use 90% of the funds. #xxx - xxx * 0.9 = xxx #xxx - xxx * 0.9 = xxx Please refer to the CPA letter and waive the condition. - Due Diligence Vendor-05/21/2026 Open-Asset 2 Missing The following bank statement is missing and was not found in the file: xxx Bank Account #xxx reflecting a balance of xxx - Due Diligence Vendor-05/20/2026 |
Resolved-Asset 2 Provided Or Not Applicable - Due Diligence
Vendor-05/22/2026 Resolved-Lender sent bank statement for xxx - Due Diligence Vendor-05/22/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Validated Months Reserves Of 72.33 Are Greater Than The
Guideline Minimum Of 2 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 56.92% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127920 | D | A | D | A | A | A | A | A | Closed | FCRE1469 | 2026-05-20 01:49 | 2026-05-22 08:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence
Vendor-05/22/2026 Ready for Review-Please find attached bank statement account named of xxx. This was already included in the closing pkg. Please waive the condition. - Due Diligence Vendor-05/21/2026 Counter-Please send the bank statements or VOD for the xxxxx accounts in the name of xxxs - Due Diligence Vendor-05/21/2026 Ready for Review-The borrower owns 90% of xxx, so we can use 90% of the funds. #xxx - xxx * 0.9 = xxx #xxx - xxx * 0.9 = xxx Please waive the condition. - Due Diligence Vendor-05/21/2026 Open-Asset 3 Missing The following bank statement is missing and was not found in the file: xxx Bank Account #xxx reflecting a balance of xxx - Due Diligence Vendor-05/20/2026 |
Resolved-Asset 3 Provided Or Not Applicable - Due Diligence
Vendor-05/22/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Validated Months Reserves Of 72.33 Are Greater Than The
Guideline Minimum Of 2 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 56.92% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000128401 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000114153 | C | A | C | A | A | A | A | A | Closed | FCRE1204 | 2026-05-20 12:58 | 2026-05-21 13:32 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud report provided - Due Diligence Vendor-05/21/2026
Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-05/20/2026 Open-Provide an updated fraud report evidencing that all high-level alerts, red flags, and fraud findings have been fully addressed and/or cleared in accordance with guideline requirements; additional conditions may apply upon review. - Due Diligence Vendor-05/20/2026 |
Resolved-Fraud report provided - Due Diligence
Vendor-05/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.05 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 43.96% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.38 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 117.54 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000123009 | C | A | A | A | C | A | A | A | Closed | finding-3634 | 2026-05-20 13:34 | 2026-05-22 09:32 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Received COC - Due Diligence Vendor-05/22/2026 Resolved- - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 Resolved- - Due Diligence Vendor-05/22/2026 Resolved- - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. Not sure where you see a reimbursement due? Please advise. - Seller-05/21/2026 Open- - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 |
Ready for Review-Document Uploaded. Not sure where you see a
reimbursement due? Please advise. - Seller-05/21/2026 |
Resolved-Received COC - Due Diligence Vendor-05/22/2026 Resolved- - Due Diligence Vendor-05/22/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 45.46% Is Below The Guideline Maximum Of 70% By Ten
Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.23 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.4% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | |||
| 4000123009 | C | A | A | A | C | A | A | A | Closed | finding-3631 | 2026-05-20 13:34 | 2026-05-22 09:32 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-Received COC - Due Diligence Vendor-05/22/2026 Resolved- - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 Resolved- - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. Fee increase for Appraisal Inspection was disclosed to borrower, COC attached. Not sure where you are getting a reimbursement due? - Seller-05/21/2026 Open- - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 |
Ready for Review-Document Uploaded. Fee increase for Appraisal
Inspection was disclosed to borrower, COC attached. Not sure where you are
getting a reimbursement due? - Seller-05/21/2026 |
Resolved-Received COC - Due Diligence Vendor-05/22/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 45.46% Is Below The Guideline Maximum Of 70% By Ten
Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.23 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.4% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | |||
| 4000123009 | C | A | A | A | C | A | A | A | Closed | finding-3632 | 2026-05-20 13:34 | 2026-05-22 09:32 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received COC - Due Diligence Vendor-05/22/2026 Resolved- - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 Resolved- - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. Please clarify. All LE's and CD's have a date - PCCD reflects Disbursed xxx and matches the provided FSS. - Seller-05/21/2026 Open- - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 |
Ready for Review-Document Uploaded. Please clarify. All LE's and
CD's have a date - PCCD reflects Disbursed xxx and matches the provided
FSS. - Seller-05/21/2026 |
Resolved-Received COC - Due Diligence Vendor-05/22/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 45.46% Is Below The Guideline Maximum Of 70% By Ten
Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.23 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.4% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | |||
| 4000128950 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000126480 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000126484 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000128581 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000129683 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000129675 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-05-20 07:37 | 2026-05-22 07:50 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/22/2026 Ready for Review-Here you are. - Due Diligence Vendor-05/22/2026 Open-Need clarification of Application date. - Due Diligence Vendor-05/20/2026 |
Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/22/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 18.89 Are Greater Than The Guideline
Minimum Of 4 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000129673 | D | A | D | A | A | A | A | A | Closed | FCRE1342 | 2026-05-20 02:19 | 2026-05-29 07:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due
Diligence Vendor-05/22/2026 Ready for Review-Please find attached Business 12 month bank stmt which were already in the closing pkg. Please waive the condition. - Due Diligence Vendor-05/21/2026 Open-Borrower 1 Business Bank Statements Missing . Locked using "12 Mo Bank Statement" with only Apr-May statements in file. - Due Diligence Vendor-05/20/2026 |
Resolved-Borrower 1 Business Bank Statements Provided - Due
Diligence Vendor-05/22/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 20.29 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 37.3% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.46 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000129673 | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2026-05-20 02:19 | 2026-05-29 07:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided -
Due Diligence Vendor-05/29/2026 Ready for Review-Please review the income worksheet again. 12 Months were included for the income worksheet. - Due Diligence Vendor-05/28/2026 Counter-The Lenders income worksheet is using 14 months vs 12 month bank statements. the Income was qualified using 12 months. - Due Diligence Vendor-05/27/2026 Ready for Review-Please find attached income worksheet. Income calculation is correct. - Due Diligence Vendor-05/26/2026 Open-Missing Lender Worksheet or Bank Statement Summary . - Due Diligence Vendor-05/20/2026 |
Resolved-Lender Worksheet or Bank Statement Summary Provided -
Due Diligence Vendor-05/29/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 20.29 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 37.3% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.46 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000129659 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000126011 | D | A | D | A | A | A | A | A | Closed | FCRE1814 | 2026-05-20 09:52 | 2026-06-01 14:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Entity docs provided
- Due Diligence Vendor-06/01/2026 Ready for Review-LLC DOCS - Due Diligence Vendor-05/29/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN xxx- Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN - Due Diligence Vendor-05/20/2026 |
Resolved-Entity docs provided
- Due Diligence Vendor-06/01/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 20.58 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.29 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000126011 | D | A | D | A | A | A | A | A | Closed | FCRE1467 | 2026-05-20 04:49 | 2026-06-01 14:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-06/01/2026 Ready for Review-xxx - Due Diligence Vendor-05/29/2026 Open-Asset 1 Missing Missing xxx ending xxx - Due Diligence Vendor-05/20/2026 |
Resolved-Asset 1 Provided - Due Diligence Vendor-06/01/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 20.58 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.29 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000126011 | D | A | D | A | A | A | A | A | Closed | FCRE1468 | 2026-05-20 04:49 | 2026-06-01 14:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence
Vendor-06/01/2026 Ready for Review-xxx - Due Diligence Vendor-05/29/2026 Open-Asset 2 Missing Missing xxx- Due Diligence Vendor-05/20/2026 |
Resolved-Asset 2 Provided Or Not Applicable - Due Diligence
Vendor-06/01/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 20.58 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.29 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000126011 | D | A | D | A | A | A | A | A | Closed | FCRE1469 | 2026-05-20 10:16 | 2026-06-01 14:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence
Vendor-06/01/2026 Ready for Review-xxx - Due Diligence Vendor-05/29/2026 Open-Asset 3 Missing Missing xxx - Due Diligence Vendor-05/20/2026 |
Resolved-Asset 3 Provided Or Not Applicable - Due Diligence
Vendor-06/01/2026 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 20.58 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.29 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000128564 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-05-20 14:21 | 2026-05-22 07:55 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/22/2026 Ready for Review-please find LOS audit log for application date - Due Diligence Vendor-05/21/2026 Open-Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-05/20/2026 |
Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/22/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 39.95% Is Less Than The Guideline
Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.82% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000125788 | C | A | C | A | C | A | A | A | Closed | FCRE1198 | 2026-05-20 01:36 | 2026-05-22 10:38 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 5.42 are greater than or equal to
Guideline Required Reserves of 4 - Due Diligence Vendor-05/22/2026 Ready for Review-Hello Team, please see attached PCCD and final settlement statement reflecting that borrower receives xxx cash to close along with their verified assets ofxxx resulting in xxx Required amount to meet four months reserve is xxx. Thank you. - Due Diligence Vendor-05/21/2026 Open-Audited Reserves of 2.84 are less than Guideline Required Reserves of 4 Provide sufficient verified assets to meet the guideline-required 4.00 months of reserves, as the audit review reflects only 2.84 months, resulting in a reserve shortage of xxx; additional conditions may apply upon review. - Due Diligence Vendor-05/20/2026 |
Resolved-Audited Reserves of 5.42 are greater than or equal to
Guideline Required Reserves of 4 - Due Diligence Vendor-05/22/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 64.85% Is Below The Guideline Maximum Of 80% By Ten
Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000125788 | C | A | C | A | C | A | A | A | Closed | FCOM2276 | 2026-05-20 11:56 | 2026-05-22 10:28 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-***Received PCCD - Due Diligence Vendor-05/22/2026 Ready for Review-Hello Team, please see attached PCCD and final settlement statement reflecting updated disbursement date, thank you. - Due Diligence Vendor-05/21/2026 Open-******* Borrower executed documents on xxx, after Final Closing Disclosure Disbursement date of xxx Please provide Post Consummation Closing Disclosure with actual disbursement date. - Due Diligence Vendor-05/20/2026 |
Resolved-***Received PCCD - Due Diligence Vendor-05/22/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 64.85% Is Below The Guideline Maximum Of 80% By Ten
Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000125788 | C | A | C | A | C | A | A | A | Closed | finding-47 | 2026-05-20 07:10 | 2026-05-22 10:16 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-***Received PCCD - Due Diligence Vendor-05/22/2026 Resolved- - Due Diligence Vendor-05/22/2026 Ready for Review-Hello Team, please see attached PCCD reflecting updated disbursement date, thank you. - Due Diligence Vendor-05/21/2026 Open- - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Cancelation date xxx is same as Final Cd disbursement date, please provide PCCD with the updated disbursement date after cancel date. - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 |
Resolved-***Received PCCD - Due Diligence Vendor-05/22/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 64.85% Is Below The Guideline Maximum Of 80% By Ten
Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000125788 | C | A | C | A | C | A | A | A | Closed | finding-3712 | 2026-05-20 11:46 | 2026-05-22 10:16 | Resolved | 1 - Information | A | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-This loan failed the per diem interest amount test.
(xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan
(xxx) exceeds the per diem interest charge or credit threshold (xxx).PLEASE
NOTE: An additional xxx buffer was included in the per diem interest charge
or credit threshold displayed above based on the client preferences
configured on the per diem interest settings page. ****Received PCCD at
resubmission and original file contains an acceptable executed xxx Per Diem Disclosure
- Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 Rescinded-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan (xxx) exceeds the per diem interest charge or credit threshold (xxx).PLEASE NOTE: An additional xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 |
Resolved-This loan failed the per diem interest amount test.
(xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan
(xxx) exceeds the per diem interest charge or credit threshold (xxx).PLEASE
NOTE: An additional xxx buffer was included in the per diem interest charge
or credit threshold displayed above based on the client preferences
configured on the per diem interest settings page. ****Received PCCD at
resubmission and original file contains an acceptable executed xxx Per Diem Disclosure
- Due Diligence Vendor-05/22/2026 Rescinded-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan (xxx) exceeds the per diem interest charge or credit threshold (xxx).PLEASE NOTE: An additional xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-05/20/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 64.85% Is Below The Guideline Maximum Of 80% By Ten
Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | |||||
| 4000128605 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000127993 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000129666 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000128027 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-05-21 10:18 | 2026-05-22 07:47 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/22/2026 Ready for Review-Please see attached :) Thank you! - Due Diligence Vendor-05/22/2026 Open- Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-05/21/2026 |
Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/22/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 29.08% Is Less Than The Guideline
Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.4 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000129325 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000128621 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000128562 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000126539 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000128642 | C | B | C | B | C | A | A | A | Closed | FCRE3874 | 2026-05-20 04:01 | 2026-05-26 13:28 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Exception granted with supporting comp factors: Rural
Property - Due Diligence Vendor-05/26/2026 Ready for Review-Please see exception approve attached :) - Due Diligence Vendor-05/26/2026 Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Property has been designated by appraiser as a rural property which per guidelines is an ineligible property type. No exception to proceed as found in file at time of review. Please Provie an exception to allow for this rural property. - Due Diligence Vendor-05/20/2026 |
Waived-Exception granted with supporting comp factors: Rural
Property - Due Diligence Vendor-05/26/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - validated Calculated DTI Of 39.84% Is Less Than The
Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 54.25% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.36 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 113.12 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
Fico xxx LTV 54% 100+ months reserves |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxx | |||
| 4000128642 | C | B | C | B | C | A | A | A | Closed | finding-3634 | 2026-05-20 09:56 | 2026-05-22 08:33 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-**Received COC - Due Diligence Vendor-05/22/2026 Resolved- - Due Diligence Vendor-05/22/2026 Ready for Review-We apologize for the inconvenience. It appears that the COC was omitted due to a system error. Could you please review and clear the condition accordingly? - Due Diligence Vendor-05/22/2026 Open- **The following charges have been increased: Points - Loan Discount Fee resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 |
Resolved-**Received COC - Due Diligence Vendor-05/22/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - validated Calculated DTI Of 39.84% Is Less Than The
Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 54.25% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.36 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 113.12 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000128642 | C | B | C | B | C | A | A | A | Closed | finding-3631 | 2026-05-20 09:56 | 2026-05-22 08:33 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-**Received COC - Due Diligence Vendor-05/22/2026 Resolved- - Due Diligence Vendor-05/22/2026 Ready for Review-We apologize for the inconvenience. It appears that the COC was omitted due to a system error. Could you please review and clear the condition accordingly? - Due Diligence Vendor-05/22/2026 Open- **The following charges have been increased: Points - Loan Discount Fee resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 |
Resolved-**Received COC - Due Diligence Vendor-05/22/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - validated Calculated DTI Of 39.84% Is Less Than The
Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 54.25% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.36 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 113.12 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000128642 | C | B | C | B | C | A | A | A | Closed | finding-3632 | 2026-05-20 09:56 | 2026-05-22 08:33 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-**Received COC - Due Diligence Vendor-05/22/2026 Resolved- - Due Diligence Vendor-05/22/2026 Ready for Review-We apologize for the inconvenience. It appears that the COC was omitted due to a system error. Could you please review and clear the condition accordingly? - Due Diligence Vendor-05/22/2026 Open- **The following charges have been increased: Points - Loan Discount Fee resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 |
Resolved-**Received COC - Due Diligence Vendor-05/22/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - validated Calculated DTI Of 39.84% Is Less Than The
Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 54.25% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.36 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 113.12 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000128606 | D | A | D | A | C | A | A | A | Closed | finding-47 | 2026-05-21 13:35 | 2026-05-26 15:51 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-***Received PCCD - Due Diligence Vendor-05/26/2026 Resolved- - Due Diligence Vendor-05/26/2026 Ready for Review-Please see the attached PCCD - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/22/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. *******Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-05/21/2026 Open- - Due Diligence Vendor-05/21/2026 |
Resolved-***Received PCCD - Due Diligence Vendor-05/26/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.0 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.03 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.53% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000128606 | D | A | D | A | C | A | A | A | Closed | FCRE1157 | 2026-05-20 16:16 | 2026-05-26 13:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due
Diligence Vendor-05/26/2026 Ready for Review-Please see the attached EOI already included in the closing pkg. Could you please waive the condition? - Due Diligence Vendor-05/26/2026 Open-Missing Hazard Insurance Policy for the subject property - Due Diligence Vendor-05/20/2026 |
Resolved-Hazard Insurance Policy is fully present - Due
Diligence Vendor-05/26/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.0 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.03 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.53% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000126530 | D | A | D | A | A | A | A | A | Closed | FCRE6914 | 2026-05-20 07:33 | 2026-05-26 10:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-Valid DL provided
- Due Diligence Vendor-05/26/2026 Ready for Review-Please see attached - Due Diligence Vendor-05/22/2026 Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) USA PATRIOT & ID are Missing - Due Diligence Vendor-05/20/2026 |
Resolved-Valid DL provided
- Due Diligence Vendor-05/26/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 740 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 35.88 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.08 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 28.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 35.88 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.76 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000126530 | D | A | D | A | A | A | A | A | Closed | FCRE6019 | 2026-05-20 07:33 | 2026-05-26 10:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Valid DL provided
- Due Diligence Vendor-05/26/2026 Ready for Review-Please see attached - Due Diligence Vendor-05/22/2026 Open-Borrower 1 Citizenship Documentation Is Missing USA PATRIOT & ID are Missing - Due Diligence Vendor-05/20/2026 |
Resolved-Valid DL provided
- Due Diligence Vendor-05/26/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 740 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 35.88 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.08 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 28.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 35.88 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.76 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000125467 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000127030 | C | B | C | B | A | A | A | A | Closed | FCRE4678 | 2026-05-28 14:28 | 2026-05-28 14:36 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Payment Shock Does Not Meet Guideline Requirements | Waived-Exception granted with supporting comp factors: To allow
290% payment shock exceeding 250% max for FTHB - Due Diligence
Vendor-05/28/2026 Open- - Due Diligence Vendor-05/28/2026 |
Waived-Exception granted with supporting comp factors: To allow
290% payment shock exceeding 250% max for FTHB - Due Diligence
Vendor-05/28/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.2 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.47% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 105.87 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.23% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |
Post-close
reserves - 96 months. Low DTI and LTV. Spotless credit. High FICo |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxx | ||||
| 4000127982 | D | A | D | A | A | A | A | A | Closed | FCRE1468 | 2026-05-21 02:10 | 2026-05-26 11:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence
Vendor-05/26/2026 Ready for Review-Hello Team, please see attached PCCD and final settlement statement showing updated CTC is xxx The borrower has verified assets of xxx meeting the required CTC, thank you. - Due Diligence Vendor-05/22/2026 Counter-Apologies for the confusion, the Final CD CTC xxx - Gift Funds are xxx - causing the loan to be short funds to close by xxx - Due Diligence Vendor-05/22/2026 Ready for Review-Hello team, please see attached, updated final 1003 is included on the CP. Thank you - Due Diligence Vendor-05/21/2026 Open-Asset 2 Missing Asset 2 is Missing . On 1003 Section 2a there is Asset showing of Amount xxx but UW didn't found any document related to that asset - Due Diligence Vendor-05/21/2026 |
Resolved-Asset 2 Provided Or Not Applicable - Due Diligence
Vendor-05/26/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.0 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.94 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000129702 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000124306 | D | B | D | B | A | A | A | A | Closed | FCRE1182 | 2026-05-21 02:41 | 2026-05-26 08:00 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-05/26/2026 Ready for Review-1008 - Due Diligence Vendor-05/22/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-05/21/2026 |
Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-05/26/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.09 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000124306 | D | B | D | B | A | A | A | A | Closed | FCRE2109 | 2026-05-21 02:08 | 2026-05-26 07:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided -
Due Diligence Vendor-05/26/2026 Ready for Review-Income calc - Due Diligence Vendor-05/22/2026 Open-Missing Lender Worksheet or Bank Statement Summary for B1 bank statement income - Due Diligence Vendor-05/21/2026 |
Resolved-Lender Worksheet or Bank Statement Summary Provided -
Due Diligence Vendor-05/26/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.09 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000124306 | D | B | D | B | A | A | A | A | Closed | FCRE5809 | 2026-05-22 09:22 | 2026-05-26 07:57 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Missing evidence of self employment | Waived-xxxxx Exception granted with supporting comp factors:
Borrower owns 49% of the self employed business, guidelines state must be 50%
owner. - Due Diligence Vendor-05/26/2026 Ready for Review-UW exception xxxxx letter head - Due Diligence Vendor-05/22/2026 Open-Provide approved lender exception for borrower 2 owning 49% (under 50%) of business on xxxxx letterhead exception form - Due Diligence Vendor-05/22/2026 |
Waived-xxxxx Exception granted with supporting comp factors:
Borrower owns 49% of the self employed business, guidelines state must be 50%
owner. - Due Diligence Vendor-05/26/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.09 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
xxx FICO, xxx in residual |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxx | |||
| 4000129346 | C | A | C | A | A | A | A | A | Closed | FCRE1501 | 2026-05-21 12:44 | 2026-05-22 11:28 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower Identification Documentation Partially Provided | Resolved-I-797 form provided with a 48 months extension - Due Diligence Vendor-05/22/2026 Ready for Review-Hello Team, please see attached I-797 that extends borrower's form of identification for 48 months, please waive this condition, thank you. - Due Diligence Vendor-05/21/2026 Open-Provide a copy of B1’s unexpired Permanent Resident Card (Form I-551), as the currently provided card reflects an expiration date of xxx and does not evidence current valid permanent resident status; additional conditions may apply upon review. - Due Diligence Vendor-05/21/2026 |
Resolved-I-797 form provided with a 48 months extension - Due Diligence Vendor-05/22/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.07 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.46 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.47% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.02 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000129346 | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2026-05-21 00:38 | 2026-05-22 11:28 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or
equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is
Not Provided - Due Diligence Vendor-05/22/2026 Ready for Review-Hello Team, please see attached borrower's current EOI, thank you. - Due Diligence Vendor-05/21/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Provide an updated Hazard Insurance policy with an effective date on or before the xxx funding date, as the current policy effective date of xxx does not meet GLA Hazard Insurance 3. Policy Effective Date requirements; additional conditions may apply upon review. - Due Diligence Vendor-05/21/2026 |
Resolved-Hazard Insurance Effective Date of xxx is prior to or
equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is
Not Provided - Due Diligence Vendor-05/22/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.07 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.46 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.47% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.02 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000126384 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000127771 | C | A | C | A | A | A | A | A | Closed | FCRE1204 | 2026-05-21 16:09 | 2026-05-22 14:13 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud report provided
- Due Diligence Vendor-05/22/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-05/22/2026 Open-Provide an updated fraud report with all open alerts fully addressed/cleared, as the current fraud report reflects open alerts; additional conditions may apply upon review. - Due Diligence Vendor-05/21/2026 |
Resolved-Fraud report provided
- Due Diligence Vendor-05/22/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.01 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000128548 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000129999 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000128612 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000129644 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000128654 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-05-21 12:35 | 2026-05-22 07:49 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-received confirmation of the application date - Due
Diligence Vendor-05/22/2026 Ready for Review-Please see the attached App snip - Due Diligence Vendor-05/22/2026 Open-Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-05/21/2026 |
Resolved-received confirmation of the application date - Due
Diligence Vendor-05/22/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.01 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.37 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000125755 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000126760 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000127517 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000128279 | C | A | C | A | A | A | A | A | Closed | FCRE1204 | 2026-05-21 17:29 | 2026-05-26 09:28 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud report provided
- Due Diligence Vendor-05/26/2026 Ready for Review-Hello team, please see attached, thank you. - Due Diligence Vendor-05/22/2026 Open-Provide an updated fraud report with all open alerts fully addressed/cleared, as the current fraud report reflects open alerts; additional conditions may apply upon review. - Due Diligence Vendor-05/21/2026 |
Resolved-Fraud report provided
- Due Diligence Vendor-05/26/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 27.42 Are Greater Than The Guideline
Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127112 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000126465 | D | A | D | A | A | A | A | A | Closed | FCRE1964 | 2026-05-21 07:10 | 2026-05-26 07:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | Resolved-xxx B/S Provided
- Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. - Seller-05/22/2026 Open-xxx bank statement not provided in file instead of that we have xxx which we don't consider for Income Calculation. Please provided xxx - Due Diligence Vendor-05/21/2026 |
Ready for Review-Document Uploaded. - Seller-05/22/2026 |
Resolved-xxx B/S Provided
- Due Diligence Vendor-05/26/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 27.74% Is Less Than The Guideline
Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 147.7 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | |||
| 4000127610 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000128879 | C | A | C | A | A | A | A | A | Closed | FCRE1204 | 2026-05-21 21:05 | 2026-05-26 08:48 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud report provided
- Due Diligence Vendor-05/26/2026 Ready for Review-Hello team, please see attached, thank you. - Due Diligence Vendor-05/22/2026 Open-Provide an updated fraud report with all open alerts fully addressed/cleared, as the current fraud report reflects open alerts; additional conditions may apply upon review. - Due Diligence Vendor-05/22/2026 |
Resolved-Fraud report provided
- Due Diligence Vendor-05/26/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000128544 | C | A | C | A | A | A | A | A | Closed | FCRE1167 | 2026-05-21 02:40 | 2026-05-27 09:46 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due
Diligence Vendor-05/27/2026 Ready for Review-Replacement cost estimate - Due Diligence Vendor-05/26/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx - Due Diligence Vendor-05/21/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due
Diligence Vendor-05/27/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 45.09% Is Less Than The Guideline
Maximum Of 55% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000125948 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-05-21 08:32 | 2026-05-26 09:59 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-**Received PCCD - Due Diligence Vendor-05/26/2026 Ready for Review-Hello team, please see attached PCCD and final settlement statement, thank you. - Due Diligence Vendor-05/22/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The funding date is before the third business day following consummation - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/21/2026 |
Resolved-**Received PCCD - Due Diligence Vendor-05/26/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More
Years At Current Job - 17.33 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 47.25 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 48.09% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000129681 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000124600 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000129111 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000127275 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000127292 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000131143 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000118687 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000128688 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000124541 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000130089 | C | A | C | A | A | A | A | A | Closed | FCRE1500 | 2026-05-22 13:01 | 2026-05-26 09:41 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved-Valid I-797A doc provided - Due Diligence Vendor-05/26/2026 Ready for Review-Re-uploaded complete I-797A doc. Please note pages 1&2 are included for review and condition clearance. Thank you. - Due Diligence Vendor-05/22/2026 Open-Missing employment authorization card. I-797 doc in file is missing page 1. - Due Diligence Vendor-05/22/2026 |
Resolved-Valid I-797A doc provided - Due Diligence Vendor-05/26/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 7.28% Is Less Than The Guideline
Maximum Of 49.99% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65.22% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000129663 | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2026-05-22 03:01 | 2026-05-26 13:26 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or
equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is
Not Provided - Due Diligence Vendor-05/26/2026 Ready for Review-Please find attached certified FSS and post CD. Disbursement date is xxx. Hazard insurance has full coverage policy period. Please waive the condition. - Due Diligence Vendor-05/25/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-05/22/2026 |
Resolved-Hazard Insurance Effective Date of xxx is prior to or
equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is
Not Provided - Due Diligence Vendor-05/26/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 15.15 Are Greater Than The Guideline
Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000129652 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000127096 | D | B | D | B | A | A | A | A | Closed | FCRE1252 | 2026-05-22 09:53 | 2026-05-27 09:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document is Incomplete | Resolved-Quit claim deed dated 2022 provided - Due Diligence Vendor-05/27/2026 Ready for Review-Please see the attached - Due Diligence Vendor-05/26/2026 Open-Title Document is Incomplete Provide Deed from xxx per fraud report where title was put in borrowers name. Per fraud report in the file. - Due Diligence Vendor-05/22/2026 |
Resolved-Quit claim deed dated 2022 provided - Due Diligence Vendor-05/27/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Validated Months Reserves Of 48.66 Are Greater Than The
Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.08 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 37 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000127096 | D | B | D | B | A | A | A | A | Closed | FCRE5809 | 2026-05-22 10:31 | 2026-05-27 09:39 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Missing evidence of self employment | Waived-Exception granted with supporting comp factors: Looking
for an exception to allow for P&L only qualification without two months
of bank statements as required per our guides but not yours. this one is
locked your way already - Due Diligence Vendor-05/27/2026 Ready for Review-Please see the attached exception form. We were advised that an exception was granted by the investor, and no bank statements were required. - Due Diligence Vendor-05/26/2026 Open-Provide missing 2 months bank statement for B1 business as required per guidelines- CPA prepared P&L + *2 MONTHS BANK STATEMENTS* (limited to 80% CLTV). for xxx to support PNL income provided - Due Diligence Vendor-05/22/2026 |
Waived-Exception granted with supporting comp factors: Looking
for an exception to allow for P&L only qualification without two months
of bank statements as required per our guides but not yours. this one is
locked your way already - Due Diligence Vendor-05/27/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Validated Months Reserves Of 48.66 Are Greater Than The
Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.08 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 37 Years |
LTV 5% or More
Below Maximum Allowed Per Credit Tier/Grade, Residual Income Exceeds xxx |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxx | |||
| 4000127924 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000130039 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000127923 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000128926 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000130190 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000129997 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-05-26 07:20 | 2026-05-27 11:00 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/27/2026 Ready for Review-Please see the attached system image reflecting application date xxx Thank you! - Due Diligence Vendor-05/27/2026 Open-Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-05/26/2026 |
Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/27/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.18 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.39 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.82 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.73% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 35.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127812 | D | A | D | A | A | A | A | A | Closed | FCRE1503 | 2026-05-22 03:06 | 2026-05-29 07:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statement (escrowed) for 2nd Home with HOA
provided - Due Diligence
Vendor-05/29/2026 Ready for Review-Mortgage statement with PITI and hoa statement. - Due Diligence Vendor-05/28/2026 Open-Provide proof of stated taxes, insurance and possible HOA for second home per final 1003 at xxx - Due Diligence Vendor-05/22/2026 |
Resolved-Mortgage statement (escrowed) for 2nd Home with HOA
provided - Due Diligence
Vendor-05/29/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 41.27 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 42.28 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 41.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.28% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127984 | C | A | C | A | A | A | A | A | Closed | FCRE1204 | 2026-05-22 13:18 | 2026-05-26 10:20 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud report provided
- Due Diligence Vendor-05/26/2026 Ready for Review-Hello team, please see attached, thank you. - Due Diligence Vendor-05/22/2026 Open-Provide an updated fraud report with all open alerts/high-level red flags fully addressed and/or cleared, as the current fraud report reflects unresolved alerts that do not meet GL Fraud Report requirements; additional conditions may apply upon review. - Due Diligence Vendor-05/22/2026 |
Resolved-Fraud report provided
- Due Diligence Vendor-05/26/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.09 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000130004 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000129642 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000127273 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000128567 | C | A | A | A | C | A | A | A | Closed | finding-3634 | 2026-05-22 10:20 | 2026-05-29 09:58 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Received COC - Due Diligence Vendor-05/29/2026 Resolved- - Due Diligence Vendor-05/29/2026 Ready for Review-It appears that the COC was omitted due to a system error. Could you please review the attached COC? - Due Diligence Vendor-05/29/2026 Open-The following charges have been added: Transfer taxes resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/27/2026 Open- - Due Diligence Vendor-05/27/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Resolved-Received COC - Due Diligence Vendor-05/29/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45.05% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000128567 | C | A | A | A | C | A | A | A | Closed | finding-3631 | 2026-05-22 10:20 | 2026-05-29 09:58 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-Received COC - Due Diligence Vendor-05/29/2026 Resolved- - Due Diligence Vendor-05/29/2026 Ready for Review-It appears that the COC was omitted due to a system error. Could you please review the attached COC? - Due Diligence Vendor-05/29/2026 Open-The following charges have been added: Transfer taxes resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/27/2026 Open- - Due Diligence Vendor-05/27/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Resolved-Received COC - Due Diligence Vendor-05/29/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45.05% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000128567 | C | A | A | A | C | A | A | A | Closed | finding-3632 | 2026-05-22 10:20 | 2026-05-29 09:58 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received COC - Due Diligence Vendor-05/29/2026 Resolved- - Due Diligence Vendor-05/29/2026 Ready for Review-It appears that the COC was omitted due to a system error. Could you please review the attached COC? - Due Diligence Vendor-05/29/2026 Open-The following charges have been added: Transfer taxes resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/27/2026 Open- - Due Diligence Vendor-05/27/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Resolved-Received COC - Due Diligence Vendor-05/29/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45.05% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000128260 | C | A | C | A | A | A | A | A | Closed | FCRE1204 | 2026-05-22 20:08 | 2026-05-27 07:13 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud report provided
- Due Diligence Vendor-05/27/2026 Ready for Review-Hello team, please see attached fraud report with cleared alerts; please waive this condition, thank you. - Due Diligence Vendor-05/26/2026 Open-Provide an updated fraud report with all open alerts/high-level red flags fully addressed and/or cleared, as the current fraud report reflects unresolved alerts that do not meet GL Fraud Report requirements; additional conditions may apply upon review. - Due Diligence Vendor-05/23/2026 |
Resolved-Fraud report provided
- Due Diligence Vendor-05/27/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 41.38% Is Less Than The Guideline
Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000118745 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000129868 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000128594 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-05-27 10:26 | 2026-05-28 07:33 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-**Received confirmation of the application date - Due
Diligence Vendor-05/28/2026 Ready for Review-Please see the attached app snip - Due Diligence Vendor-05/28/2026 Open-Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-05/27/2026 |
Resolved-**Received confirmation of the application date - Due
Diligence Vendor-05/28/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.13 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000130001 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000128490 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000130406 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000128001 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-05-27 10:46 | 2026-05-28 07:35 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/28/2026 Ready for Review-Please find attached. - Due Diligence Vendor-05/28/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-05/27/2026 |
Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/28/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Credit Line Usage Ratio equals 0.01 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.39 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 41.83% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 22.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000129251 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000126089 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000131152 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000127688 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000128916 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000131150 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-05-27 11:23 | 2026-05-28 07:31 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/28/2026 Ready for Review-Please see the attached system image reflecting application date xxx. Thank you! - Due Diligence Vendor-05/28/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-05/27/2026 |
Resolved-***Received confirmation of the application date - Due
Diligence Vendor-05/28/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 7.33 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.77 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000128587 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000126940 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000127272 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000129318 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000129858 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000130315 | D | A | D | A | A | A | A | A | Closed | FCRE2000 | 2026-05-26 03:00 | 2026-05-29 09:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Incomplete or Unexecuted Purchase Contract | Resolved-Purchase Contract Issue Resolved - Due Diligence
Vendor-05/29/2026 Ready for Review-Please see attached. - Due Diligence Vendor-05/28/2026 Open-Purchase Contract is Partial copy. - Due Diligence Vendor-05/26/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence
Vendor-05/29/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.06 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.88 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.42% Is Less Than The Guideline Maximum Of 49.99% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.46 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000130309 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000129653 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000127772 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000128874 | C | A | C | A | A | A | A | A | Closed | FCRE6843 | 2026-05-27 10:30 | 2026-05-28 10:10 | Resolved | 1 - Information | C | A | Credit | Assets | Asset General | Resolved-Updated 1003 removing the Gift funds provided - Due Diligence Vendor-05/28/2026 Ready for Review-Hello team, please see attached final updated 1003 that depicts gift funds were removed; please waive this condition, thank you. - Due Diligence Vendor-05/27/2026 Open-Provide a fully executed gift letter for the xxx gift funds, as the required documentation is missing. Per GL, the signed gift letter must include: (a) donor’s full name, address, phone number, and relationship to the borrower; (b) the dollar amount of the gift xxx); and (c) a statement confirming no repayment is expected. Additional conditions may apply upon review. - Due Diligence Vendor-05/27/2026 |
Resolved-Updated 1003 removing the Gift funds provided - Due Diligence Vendor-05/28/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or
More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More -
10.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000128874 | C | A | C | A | A | A | A | A | Closed | FCRE1204 | 2026-05-27 10:27 | 2026-05-28 10:09 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-fraud report with cleared alerts - Due Diligence
Vendor-05/28/2026 Ready for Review-Hello team, please see attached fraud report with cleared alerts, thank you. - Due Diligence Vendor-05/27/2026 Open-Provide an updated fraud report evidencing that all high-level alerts, red flags, and fraud findings have been fully addressed and/or cleared in accordance with guideline requirements; additional conditions may apply upon review. - Due Diligence Vendor-05/27/2026 |
Resolved-fraud report with cleared alerts - Due Diligence
Vendor-05/28/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or
More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More -
10.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000129068 | D | A | D | A | A | A | A | A | Closed | FCRE1161 | 2026-05-26 06:41 | 2026-05-28 11:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence
Vendor-05/28/2026 Ready for Review-Hello team, please see attached flood certification, thank you. - Due Diligence Vendor-05/27/2026 Open-Missing Flood Certificate Provide the Flood Certification/Determination for subject property xxx. Per GL, each loan must include a Flood Certificate endorsed by xxx to determine whether the property is located in a xxx. Flood insurance is required if the property is determined to be located in Flood Zone A or V. Additional conditions may apply upon review. - Due Diligence Vendor-05/26/2026 |
Resolved-Flood Certificate is fully present - Due Diligence
Vendor-05/28/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 5.34 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000128259 | C | A | C | A | A | A | A | A | Closed | FCRE1204 | 2026-05-27 14:24 | 2026-05-29 10:04 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud report provided
- Due Diligence Vendor-05/29/2026 Ready for Review-Hello team, please see attached fraud report showing all cleared alerts, thank you. - Due Diligence Vendor-05/28/2026 Open-Provide an updated fraud report with all open alerts/high-level red flags fully addressed and/or cleared, as the current fraud report reflects unresolved alerts that do not meet GL Fraud Report requirements; additional conditions may apply upon review. - Due Diligence Vendor-05/27/2026 |
Resolved-Fraud report provided
- Due Diligence Vendor-05/29/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.07 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.5 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000125673 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000130451 | C | A | C | A | C | A | A | A | Closed | FCRE1198 | 2026-05-26 04:35 | 2026-05-29 10:58 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 8.06 are greater than or equal to
Guideline Required Reserves of 4 - Due Diligence Vendor-05/29/2026 Ready for Review-Hello team, please see attached PCCD and final settlement statement reflecting that the necessary audited reserves comes out to xxx — four months P&I xxx*4 = xxx and updated cash to close amount is xxx. Borrower's verified assets meet the required reserves, thank you! - Due Diligence Vendor-05/28/2026 Open-Audited Reserves of 3.59 are less than Guideline Required Reserves of 4 Provide documentation evidencing sufficient verified funds to meet reserve requirements, as Borrower 1 reflects a reserve shortage of xxx. Audit review reflects xxx with a balance of xxx, which is insufficient to meet the required reserve amount of xxx in addition to the required cash to close amount of xxx. Additional conditions may apply upon review. - Due Diligence Vendor-05/26/2026 |
Resolved-Audited Reserves of 8.06 are greater than or equal to
Guideline Required Reserves of 4 - Due Diligence Vendor-05/29/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 11.23 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000130450 | C | A | C | A | A | A | A | A | Closed | FCRE6843 | 2026-05-27 17:47 | 2026-06-01 11:29 | Resolved | 1 - Information | C | A | Credit | Assets | Asset General | Resolved-VOD dated 5.15.2026 provided - Due Diligence Vendor-06/01/2026 Ready for Review-Hello team, please see attached VOD and final updated 1003 reflecting current assets, thank you. - Due Diligence Vendor-05/29/2026 Open-Provide updated asset documentation/VOD for xxx evidencing the current account balance, as the documentation provided reflects only an average balance and does not meet GL requirements. Per GL Acceptable Sources of Assets – Personal Bank Accounts, the VOD must reflect the current balance. Additional conditions may apply upon review. - Due Diligence Vendor-05/27/2026 |
Resolved-VOD dated xxx provided
- Due Diligence Vendor-06/01/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 25.35 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.50 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.25 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 61.76% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000130450 | C | A | C | A | A | A | A | A | Closed | FCRE1204 | 2026-05-27 17:40 | 2026-06-01 11:27 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud report provided
- Due Diligence Vendor-06/01/2026 Ready for Review-Hello team, please see attached fraud report reflecting cleared alerts, thank you. - Due Diligence Vendor-05/29/2026 Open-Provide an updated fraud report with all open alerts/high-level red flags fully addressed and/or cleared, as the current fraud report reflects unresolved alerts that do not meet GL Fraud Report requirements; additional conditions may apply upon review. - Due Diligence Vendor-05/27/2026 |
Resolved-Fraud report provided
- Due Diligence Vendor-06/01/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 25.35 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.50 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.25 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 61.76% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000128598 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000129521 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-05-27 01:09 | 2026-06-01 05:44 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 6.17 are greater than or equal to
Guideline Required Reserves of 6 - Due Diligence Vendor-06/01/2026 Ready for Review-SEE UPLOADED POST CD PG 3. - Due Diligence Vendor-05/29/2026 Counter-Please provide the PCCD to show refund. - Due Diligence Vendor-05/29/2026 Ready for Review-THE FILE WAS APPROVED WITH xxx IN VERIFIED ASSETS. THE BORRWER BROUGHT IN FUNDS TO CLOSE IN THE AMOUNT OF xxx THIS LEFT US WITH xxx IN AVAILABLE ASSETS. THE BORROWER WAS GIVEN A REFUND FOR xxx, WHICH IS STATED ON THE FINAL SETTLEMENT STATEMENT. THIS REFUND AMOUNT xxx), ALONG WITH THE REMAINING ASSETS (xxx), GIVES US A TOTAL OF xxx IN AVAILABLE ASSETS. THEREFORE, AVAILABLE ASSETS xxx) DIVIDED BY THE PITIA xxx) GIVES US 6.21 MONTHS OF RESERVES, WHICH WOULD MEET THE 6 MONTH REQUIREMENT. THIS RESPONSE SHOULD SUFFICE IN CLEARING THIS CONDITION. PLEASE REVIEW AND ADVISE. THANK YOU. - Due Diligence Vendor-05/28/2026 Open-Audited Reserves of 5.31 are less than Guideline Required Reserves of 6 Audited reserves of 5.39 months are below the guideline requirement of 6 months. - Due Diligence Vendor-05/27/2026 |
Resolved-Audited Reserves of 6.17 are greater than or equal to
Guideline Required Reserves of 6 - Due Diligence Vendor-06/01/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000125826 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000127520 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000128117 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000130047 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000129684 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-05-28 08:52 | 2026-06-01 08:41 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date - Due
Diligence Vendor-06/01/2026 Ready for Review-Please see attached :) Thank you! - Due Diligence Vendor-05/29/2026 Open-** Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-05/28/2026 |
Resolved-***Received confirmation of the application date - Due
Diligence Vendor-06/01/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.18 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.34 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000130222 | C | A | A | A | A | A | C | A | Closed | FPRO868 | 2026-05-27 14:55 | 2026-05-29 13:28 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | Desk Review Value(s) Do Not Adhere To Tolerance Criteria | Resolved-xxx Desk review provided - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. - Seller-05/29/2026 Open-value variance exceeds 10%. - Due Diligence Vendor-05/27/2026 |
Ready for Review-Document Uploaded. - Seller-05/29/2026 |
Resolved-Enhanced Desk review provided - Due Diligence Vendor-05/29/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 59.56 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | |||
| 4000130105 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000126727 | D | A | D | A | A | A | A | A | Closed | FCRE1173 | 2026-05-27 01:49 | 2026-06-02 13:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | HO6 Master Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present - Due
Diligence Vendor-06/02/2026 Ready for Review-Master policy - Due Diligence Vendor-06/01/2026 Open-Missing HO-6 Master Insurance Policy Master HOI Condo Policy is missing from file upload package. Please provide - Due Diligence Vendor-05/27/2026 |
Resolved-HO-6 Master Insurance Policy is fully present - Due
Diligence Vendor-06/02/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 317.68 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000130304 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000130836 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000129691 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-05-28 17:13 | 2026-06-01 08:35 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date - Due
Diligence Vendor-06/01/2026 Ready for Review-Please see the attached app snip - Due Diligence Vendor-05/29/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-05/28/2026 |
Resolved-***Received confirmation of the application date - Due
Diligence Vendor-06/01/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 14.72 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.50 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 66.1% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127664 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000125434 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000125405 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000125402 | C | A | A | A | C | A | C | A | Closed | FPRO9939 | 2026-05-28 03:08 | 2026-05-29 13:34 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-xxx Desk review provided - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. - Seller-05/29/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 2.9). Loan file is missing desk review required by guidelines. - Due Diligence Vendor-05/28/2026 |
Ready for Review-Document Uploaded. - Seller-05/29/2026 |
Resolved-Enhanced Desk review provided - Due Diligence Vendor-05/29/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 289.08 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | |||
| 4000125402 | C | A | A | A | C | A | C | A | Closed | FCOM2461 | 2026-05-28 02:27 | 2026-05-29 13:33 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Calculating Cash to Close (page 3) is blank or incorrect form | Resolved-Final CD provided
- Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. - Seller-05/29/2026 Open-Final CD Cash to close Pg# 3 is Missing , Information Updated from Initial CD - Due Diligence Vendor-05/28/2026 |
Ready for Review-Document Uploaded. - Seller-05/29/2026 |
Resolved-Final CD provided
- Due Diligence Vendor-05/29/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 289.08 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | |||
| 4000127601 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000130046 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000129677 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000126334 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000131065 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000130334 | D | A | D | A | A | A | A | A | Closed | FCRE1748 | 2026-05-29 10:33 | 2026-06-01 14:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Certificate of Occupancy is missing | Resolved-Signed Certificate of Occupancy provided - Due Diligence Vendor-06/01/2026 Ready for Review-PLEASE SEE UPLOADED DOCUMENT. - Due Diligence Vendor-05/29/2026 Open-Certificate of Occupancy is missing - Due Diligence Vendor-05/29/2026 |
Resolved-Signed Certificate of Occupancy provided - Due Diligence Vendor-06/01/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 740 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.87 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.86 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 558.6 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 49.75% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000129688 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000120757 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000128607 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-05-29 11:15 | 2026-06-02 08:36 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-*Received confirmation of the application date - Due
Diligence Vendor-06/02/2026 Ready for Review-Please see the attached App snip - Due Diligence Vendor-06/02/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-05/29/2026 |
Resolved-*Received confirmation of the application date - Due
Diligence Vendor-06/02/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 13.84 Are Greater Than The Guideline
Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.91% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000128607 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-05-29 11:09 | 2026-06-02 08:34 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-***Received PCCD - Due Diligence Vendor-06/02/2026 Resolved- - Due Diligence Vendor-06/02/2026 Ready for Review-Please see the attached PCCD - Due Diligence Vendor-06/02/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. *******Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-05/29/2026 Open- - Due Diligence Vendor-05/29/2026 |
Resolved-***Received PCCD - Due Diligence Vendor-06/02/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 13.84 Are Greater Than The Guideline
Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.91% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000129923 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000131250 | D | A | D | A | A | A | A | A | Closed | FCRE1467 | 2026-05-28 05:36 | 2026-06-01 11:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-06/01/2026 Ready for Review-Hello team, please see attached final updated 1003 reflecting updated assets, thank you. - Due Diligence Vendor-05/29/2026 Open-Asset 1 Missing missing xxx - Due Diligence Vendor-05/28/2026 |
Resolved-Asset 1 Provided - Due Diligence Vendor-06/01/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.15 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.97 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000131250 | D | A | D | A | A | A | A | A | Closed | FCRE1468 | 2026-05-28 05:36 | 2026-06-01 11:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence
Vendor-06/01/2026 Ready for Review-Hello team, please see attached final updated 1003 reflecting updated assets, thank you. - Due Diligence Vendor-05/29/2026 Open-Asset 2 Missing missing xxx - Due Diligence Vendor-05/28/2026 |
Resolved-Asset 2 Provided Or Not Applicable - Due Diligence
Vendor-06/01/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.15 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.97 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000131250 | D | A | D | A | A | A | A | A | Closed | FCRE1469 | 2026-05-28 05:36 | 2026-06-01 11:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence
Vendor-06/01/2026 Ready for Review-Hello team, please see attached final updated 1003 reflecting updated assets, thank you. - Due Diligence Vendor-05/29/2026 Open-Asset 3 Missing missing xxx - Due Diligence Vendor-05/28/2026 |
Resolved-Asset 3 Provided Or Not Applicable - Due Diligence
Vendor-06/01/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.15 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.97 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000131250 | D | A | D | A | A | A | A | A | Closed | FCRE1471 | 2026-05-28 05:36 | 2026-06-01 11:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 5 Missing | Resolved-Asset 5 Provided Or Not Applicable - Due Diligence
Vendor-06/01/2026 Ready for Review-Hello team, please see attached final updated 1003 reflecting updated assets, thank you. - Due Diligence Vendor-05/29/2026 Open-Asset 5 Missing xxx - Due Diligence Vendor-05/28/2026 |
Resolved-Asset 5 Provided Or Not Applicable - Due Diligence
Vendor-06/01/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.15 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.97 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000131250 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-05-28 03:26 | 2026-06-01 11:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-06/01/2026 Ready for Review-Hello team, please see attached fraud report reflecting all cleared alerts, thank you. - Due Diligence Vendor-05/29/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-05/28/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-06/01/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.15 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.97 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000130571 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000126750 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000131148 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-05-29 16:57 | 2026-06-01 08:26 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date - Due
Diligence Vendor-06/01/2026 Ready for Review-Please see the attached App snip - Due Diligence Vendor-06/01/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-05/29/2026 |
Resolved-***Received confirmation of the application date - Due
Diligence Vendor-06/01/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 57.93 Are Greater Than The Guideline
Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.25 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - VALIDATED Original LTV Of 54.05% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000128608 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000128898 | C | A | C | A | A | A | A | A | Closed | FCRE1501 | 2026-06-01 10:18 | 2026-06-02 12:22 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower Identification Documentation Partially Provided | Resolved-I-797 form extending the bwr's PRA card for 36 months
provided - Due Diligence
Vendor-06/02/2026 Ready for Review-Hello team, please see the following I-797 that extends borrower's primary residence card for 36 months, thank you. - Due Diligence Vendor-06/01/2026 Open-Permanent resident card provided is expired. Provide valid permanent resident card. - Due Diligence Vendor-06/01/2026 |
Resolved-I-797 form extending the bwr's PRA card for 36 months
provided - Due Diligence
Vendor-06/02/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.85% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 66.7 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.40 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000130797 | D | A | D | A | A | A | A | A | Closed | FCRE9959 | 2026-05-29 02:27 | 2026-06-01 14:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing final closing disclosure/settlement statement/equivalent | Resolved-Final Settlement Statement/equivalent Provided - Due
Diligence Vendor-06/01/2026 Ready for Review-Please see attached. - Due Diligence Vendor-05/29/2026 Open-Missing Final Settlement Statement/equivalent - Due Diligence Vendor-05/29/2026 |
Resolved-Final Settlement Statement/equivalent Provided - Due
Diligence Vendor-06/01/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000130660 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000130130 | C | A | C | A | A | A | A | A | Closed | FCRE1204 | 2026-05-30 01:33 | 2026-06-02 11:47 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud report provided
- Due Diligence Vendor-06/02/2026 Ready for Review-Hello team, please see the attached fraud report reflecting all cleared alerts, thank you. - Due Diligence Vendor-06/01/2026 Open-Provide an updated fraud report with all open alerts/high-level red flags fully addressed and/or cleared, as the current fraud report reflects unresolved alerts that do not meet GL Fraud Report requirements; additional conditions may apply upon review. - Due Diligence Vendor-05/30/2026 |
Resolved-Fraud report provided
- Due Diligence Vendor-06/02/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - VALIDATED Qualifying FICO Of xxx is Greater Than The
Guideline Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - VALIDATED Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.21 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - VALIDATED Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000128899 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000131354 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000128928 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000125917 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000126476 | D | A | D | A | A | A | A | A | Closed | FCRE1814 | 2026-06-01 09:58 | 2026-06-02 13:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Entity documents provided - Due Diligence Vendor-06/02/2026 Ready for Review-Please see attached - Due Diligence Vendor-06/01/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing evidence of EIN - Due Diligence Vendor-06/01/2026 |
Resolved-Entity documents provided - Due Diligence Vendor-06/02/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 64.99% Is Below The Guideline Maximum Of 80% By Ten
Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.67 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000126330 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000131312 | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2026-05-29 02:32 | 2026-06-02 12:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided -
Due Diligence Vendor-06/02/2026 Ready for Review-Please see attached - Due Diligence Vendor-06/01/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing and must be completed within 10 calendar days of the closing date for xxx, - Due Diligence Vendor-05/29/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided -
Due Diligence Vendor-06/02/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 43.71 Are Greater Than The Guideline
Minimum Of 9 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.58 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.65 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 48.05% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000128011 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000128588 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-06-01 05:26 | 2026-06-03 08:12 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date - Due
Diligence Vendor-06/03/2026 Ready for Review-Please see attached :) Thank you! - Due Diligence Vendor-06/03/2026 Open-Documentation provided does not include confirmation of the borrower’s application date. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you. - Due Diligence Vendor-06/01/2026 |
Resolved-***Received confirmation of the application date - Due
Diligence Vendor-06/03/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 41.48% Is Less Than The Guideline
Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.8 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000130132 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000131513 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000130661 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000127695 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000128626 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-06-02 08:02 | 2026-06-03 08:11 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date - Due
Diligence Vendor-06/03/2026 Ready for Review-Please see the attached App snip - Due Diligence Vendor-06/03/2026 Open-Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-06/02/2026 |
Resolved-***Received confirmation of the application date - Due
Diligence Vendor-06/03/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 41.93% Is Less Than The Guideline
Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.38 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.21 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000128630 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000131350 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000129664 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000131249 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000127874 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000127947 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000128620 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000128603 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000129695 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000130908 | D | A | D | A | A | A | A | A | Closed | FCRE1159 | 2026-06-02 10:27 | 2026-06-03 14:07 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or
equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is
Not Provided - Due Diligence Vendor-06/03/2026 Ready for Review-Updated - Due Diligence Vendor-06/02/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Final CD documents loan closed xxx and disbursed xxx. - Due Diligence Vendor-06/02/2026 |
Resolved-Hazard Insurance Effective Date of xxx is prior to or
equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is
Not Provided - Due Diligence Vendor-06/03/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.59 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000130908 | D | A | D | A | A | A | A | A | Closed | FCRE8639 | 2026-06-01 08:40 | 2026-06-03 14:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence
Vendor-06/03/2026 Ready for Review-Personal Guarantee - Due Diligence Vendor-06/02/2026 Open-Personal Guaranty is missing. Provide Guaranty document for Borrower - Due Diligence Vendor-06/01/2026 |
Resolved-Personal Guaranty is Present. - Due Diligence
Vendor-06/03/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.59 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000130223 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000130221 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000124162 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000132380 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000130209 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000130189 | B | A | A | A | B | A | A | A | Closed | FCOM1621 | 2026-06-05 16:37 | 2026-06-10 15:00 | Resolved | 1 - Information | B | A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-Initial Escrow Account Disclosure is Resolved - Due
Diligence Vendor-06/10/2026 Resolved-**Received disclosure - Due Diligence Vendor-06/10/2026 Ready for Review-Document Uploaded. - Seller-06/08/2026 Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-06/05/2026 |
Ready for Review-Document Uploaded. - Seller-06/08/2026 |
Resolved-Initial Escrow Account Disclosure is Resolved - Due
Diligence Vendor-06/10/2026 Resolved-**Received disclosure - Due Diligence Vendor-06/10/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.52 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.36 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | |||
| 4000128959 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000132372 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000131358 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000130184 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000132349 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000133080 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000130198 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000130193 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000128492 | D | A | D | A | D | A | A | A | Closed | FCOM1233 | 2026-06-18 08:47 | 2026-06-26 04:24 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-Completed 1003 provided - Due Diligence
Vendor-06/26/2026 Ready for Review-Document Uploaded. - Seller-06/25/2026 Counter-Appears most of what was sent was from initial 1003. Please provide pages of final 1003 with address and employer and other parts completed. - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. - Seller-06/23/2026 Open-The Final 1003 is Incomplete The Final 1003 is missing the information of employment, Declaration , and Demographics. Information taken from initial 1003 - Due Diligence Vendor-06/18/2026 |
Ready for Review-Document Uploaded. - Seller-06/25/2026 Ready for Review-Document Uploaded. - Seller-06/23/2026 |
Resolved-Completed 1003 provided - Due Diligence
Vendor-06/26/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 12.27 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.66 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 120.11 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
FINAL 1003 ALL PAGES.pdf 1003 - xxx 0012 -.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxx | |||
| 4000128492 | D | A | D | A | D | A | A | A | Closed | FCRE9959 | 2026-06-19 14:31 | 2026-06-24 08:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing final closing disclosure/settlement statement/equivalent | Resolved-Docs received - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. - Seller-06/23/2026 Open-Subject does not contain a Final Closing Disclosure/ALTA/ HUD-1 or settlement Statement. Information currently used is based off an estimated Buyers Settlement Statement and Closing Instructions. Accurate closing figures could not be determined - Due Diligence Vendor-06/19/2026 |
Ready for Review-Document Uploaded. - Seller-06/23/2026 |
Resolved-Docs received - Due Diligence Vendor-06/24/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 12.27 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.66 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 120.11 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
FINAL SS.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxx |