Atlas A&D Opportunity Fund III LP ABS-15G

 

Exhibit 99.11

 

Loan ID Customer Loan ID Seller Loan ID Note Date Original Loan Amount Last Name Property State Occupancy Purpose Originator QM Status TPR QM Status Exception ID Exception Number Exception Date Exception Type Exception Subcategory Exception Exception Remedy Rebuttal TPR Response Compensating Factors Status Update Date Finding Status Initial Exception Grade Final Exception Grade Initial Loan Grade Final Loan Grade
1     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1695811 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2024-05-17 02:07 Cleared 1 1 3 1
1     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1722388 2 of 3 xx/xx/xxxx Compliance PUD Rider is Missing PUD Rider is missing.

  Document Uploaded. Updated Mortgage with PUD Rider provided -  xx/xx/xxxx

 Corrective Mtg with PUD rider executed  xx/xx/xxxx has been received -  xx/xx/xxxx

   2024-07-12 19:04 Resolved 3 1 3 1
1     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1722486 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2024-05-22 17:30 Cleared 1 1 3 1
2     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 2117730 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2024-08-04 15:18 Cleared 1 1 1 1
2     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 2117731 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2024-08-04 15:18 Cleared 1 1 1 1
2     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 2117734 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2024-08-04 15:18 Cleared 1 1 1 1
3     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 2477148 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2024-09-28 02:26 Cleared 1 1 2 2
3     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 2477149 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2024-09-28 02:26 Cleared 1 1 2 2
3     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 2477169 3 of 3 xx/xx/xxxx Credit Program Parameters - Property Type The subject loan does not meet program parameters for property type. Per guidelines, the size of the subject property must be not less than xxx square feet of living space. The unit must have a full-size kitchen and a separate bedroom. The subject property is xxx square feet with a kitchenette. A formal exception is located in the loan file.  

       5 years on current job.  DTI  is  greater than 10% lower than loan program requirements. Borrower contribution exceeds requirement by at least 5%. 2024-09-28 02:54 Waived 2 2 2 2
29     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8630912 1 of 5 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2026-04-13 18:56 Cleared 1 1 3 2
29     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8633684 2 of 5 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-04-13 20:29 Cleared 1 1 3 2
29     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8638274 3 of 5 xx/xx/xxxx Credit HO6 Master Insurance Policy is Missing Missing Condo / PUD project master insurance policy. Association does not manage master property insurance - A formal exception is in file.  



       Compensating factors used were Debt ratio more than 10% less than guideline maximum, No credit events in the past 40 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score over 40 points higher than the minimum score required.  2026-04-14 01:17 Waived 2 2 3 2
29     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8638333 4 of 5 xx/xx/xxxx Credit Program Parameters - LTV The subject loan does not meet program parameters for LTV. The subject LTV does not meet guidelines. Use the appraisal value to establish the subject's value instead of the most recent price reflected on the xx/xxxx Quit Claim Deed of  xxxxx .00 - A formal exception is in file.  

       Compensating factors used were No mortgage late payments in the last 24 months, No consumer late payments in the last 24 months, and Reserves over 6 months.  2026-04-14 01:22 Waived 2 2 3 2
29     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8650865 5 of 5 xx/xx/xxxx Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines. Loan program is DSCR. Income/Employment has been disclosed on loan documents provided.



  Document Uploaded. loan is DSCR -  xx/xx/xxxx

 Lock confirmation provided. Condition resolved -  xx/xx/xxxx

   2026-05-01 14:00 Resolved 3 1 3 2
4     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 3462475 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2025-02-21 16:36 Cleared 1 1 1 1
4     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 3462478 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2025-02-21 16:37 Cleared 1 1 1 1
4     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 3462479 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2025-02-21 16:37 Cleared 1 1 1 1
132     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10045651 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-07-02 16:31 Cleared 1 1 3 1
132     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10045942 2 of 3 xx/xx/xxxx Credit Missing Income - Bank Statements Missing a linked account statements for multiple overdrafts noted on bank statements used in qualifying.  

   Document Uploaded. Please see attached -  xx/xx/xxxx

 Linked xxxxx account was provided.  Condition resolved. -  xx/xx/xxxx
   2026-07-09 15:29 Resolved 3 1 3 1
132     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10047856 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-07-02 18:47 Cleared 1 1 3 1
5     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 3576708 1 of 2 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2025-03-11 02:04 Cleared 1 1 3 1
5     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 3576710 2 of 2 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2025-03-11 02:05 Cleared 1 1 3 1
7     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 3726192 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2025-03-29 23:01 Cleared 1 1 1 1
7     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 3726193 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2025-03-29 23:02 Cleared 1 1 1 1
7     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 3726194 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2025-03-29 23:02 Cleared 1 1 1 1
10     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 4153996 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2025-05-15 18:11 Cleared 1 1 3 1
10     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 4154001 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2025-05-15 18:12 Cleared 1 1 3 1
10     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 4154071 3 of 3 xx/xx/xxxx Credit Corporation: Corporate By Laws Doc is Incomplete The Corporation: xxxxxxx in file are incomplete. The business by laws document stating ownership pe xxxxx ntage is not executed. Missing the executed copy.  

   As per guidelines bylows do not requre a signature. -  xx/xx/xxxx

 Please refer to page 693 of uploaded credit package-borrower is 100% owner -  xx/xx/xxxx

 Per xxxxx law, corporate bylaws do not need to be executed.  -  xx/xx/xxxx

Ownership is confirmed however the corporate by-laws provided were not executed, condition remains.  -  xx/xx/xxxx

   2025-05-27 19:27 Resolved 3 1 3 1
9     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 4025617 1 of 3 xx/xx/xxxx Compliance Disclosure - Mortgage Riders Incomplete/Inaccurate The loan file verified that the Mortgage Riders were incomplete/inaccurate. The Mortgage Rider "Service of Process Rider" is not fully executed. Missing the Notary signature and date.



  Document Uploaded. Please see attached -  xx/xx/xxxx

 Received executed and acknowledged Service of Process Mortgage Rider.  -  xx/xx/xxxx

   2025-05-08 15:19 Resolved 3 1 3 1
9     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 4026548 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2025-05-02 13:46 Cleared 1 1 3 1
9     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 4026554 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2025-05-02 13:47 Cleared 1 1 3 1
11     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 4354545 1 of 2 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2025-06-06 02:13 Cleared 1 1 4 2
11     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 4362034 2 of 2 xx/xx/xxxx Credit Audited Loan Amount is less than Guideline Minimum Loan Amount Audited loan amount is less than the guideline Minimum loan amount. The minimum loan amount is  xxxxx . The subject loan amount is  xxxxx  and does not meet minimum. A Formal exception is in the file.  



       The LTV is 10% below maximum, Reserves >6 months, Seasoned Investor and the borrower owns 2 investment properties free and clear in the US. LTV below 25%. 2025-06-06 15:35 Waived 2 2 4 2
8     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 3967062 1 of 5 xx/xx/xxxx Credit Liabilities - REO The loan file did not contain sufficient documentation to verify debts associated with all other properties. Missing the Primary housing non-escrowed taxes to support  xxxxx 1 used in the review.
 



   Document Uploaded. Property taxes are included to HOA  -  xx/xx/xxxx

 Documentation provided is sufficient. -  xx/xx/xxxx

   2025-05-02 13:15 Resolved 3 1 3 1
8     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 3968043 2 of 5 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2025-04-25 20:08 Cleared 1 1 3 1
8     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 3968095 3 of 5 xx/xx/xxxx Credit Assets - LOE Missing The loan file does not contain all required asset documentation. The required letter of explanation was not provided in the loan file. Document the sou xxxxx  of the  xxxxx .xx deposit from xxxxx Annuity.  Information for this annuity is not in the file.

  WE had on file borrowers xxxxx retirement statement(page 80-93) as a sou xxxxx  of deposit. -  xx/xx/xxxx

 Clarification it was xxxxx was the sou xxxxx  provided is sufficient. -  xx/xx/xxxx

   2025-05-02 13:16 Resolved 3 1 3 1
8     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 3995349 4 of 5 xx/xx/xxxx Credit Borrower 2 W2/1099 Missing Borrower 2 W2/1099 missing.

  Document Uploaded. Please review uploaded W2's -  xx/xx/xxxx

 Documentation provided is sufficient. -  xx/xx/xxxx

Borrower 2 W2/1099 Provided or not applicable (Number of Borrowers equals 2) -  xx/xx/xxxx

   2025-05-02 13:20 Resolved 3 1 3 1
8     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 3995651 5 of 5 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2025-04-29 18:11 Cleared 1 1 3 1
12     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt 4955694 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2025-07-26 00:24 Cleared 1 1 1 1
12     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt 4955695 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2025-07-26 00:24 Cleared 1 1 1 1
12     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt 4955696 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2025-07-26 00:24 Cleared 1 1 1 1
13     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt 5109885 1 of 3 xx/xx/xxxx Credit Hazard Insurance Policy is Missing Missing hazard insurance policy. Provide 'In-Walls' hazard insurance policy for subject property.



  Document Uploaded. Hazard Insurance Policy -  xx/xx/xxxx

 Full In-Walls policy received with no issues noted. Condition resolved. -  xx/xx/xxxx

   2025-08-14 13:53 Resolved 3 1 3 1
13     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt 5110242 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2025-08-08 15:00 Cleared 1 1 3 1
13     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt 5110245 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2025-08-08 15:00 Cleared 1 1 3 1
14     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt 5345327 1 of 2 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2025-08-28 13:35 Cleared 1 1 3 1
14     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt 5345331 2 of 2 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2025-08-28 13:36 Cleared 1 1 3 1
25     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt 7362637 1 of 5 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-01-30 00:45 Cleared 1 1 3 1
25     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt 7377319 2 of 5 xx/xx/xxxx Credit Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Originator to provide gap credit report that is within 10 days of closing.



  Document Uploaded. The credit report in file is dated  xx/xx/xxxx and is NOT exxpired, nor was it expired as of closing -  xx/xx/xxxx
 Document Uploaded. 60-Day Rule — Submission Date: xxxx xx,xxxx - CR  xx/xx/xxxx

120-Day Rule — Note Date: xx xx, xxxx - CR  xx/xx/xxxx -  xx/xx/xxxx
 Credit report provided. Condition resolved. -  xx/xx/xxxx

Condition upheld. Originator to provide gap credit report that is within 10 days of closing.. Provide xxxxx. -  xx/xx/xxxx

Condition upheld. Originator to provide gap credit report that is within 10 days of closing.. Provide xxxxx. -  xx/xx/xxxx

   2026-02-27 14:37 Resolved 3 1 3 1
25     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt 7379267 3 of 5 xx/xx/xxxx Credit Missing VOM or VOR Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Originator to provide VOM documentation (final closing disclosures) for properties located at xxxxx,xxxxx, and xxxxx. All of these properties have new loans with xxxx.

  Document Uploaded.  -  xx/xx/xxxx

 Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing -  xx/xx/xxxx

Final closing disclosures provided. Condition resolved. -  xx/xx/xxxx

   2026-02-27 14:35 Resolved 3 1 3 1
25     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt 7379373 4 of 5 xx/xx/xxxx Credit Corporation/LLC: EIN Doc is Missing The loan file does not contain the Coporation/LLC: EIN documentation. Originator to provide EIN documentation for  xxxxx .



  Per xxxxx NonQM guidelines, an EIN is not required for this condition. The vested entity profile and signing authority can be confirmed using the Articles/Certificate of Formation and the Operating Agreement showing the authorized signer and ownership. Since we already have these documents and they clearly identify the sole signer/owner. -  xx/xx/xxxx
 Document Uploaded. EIN is not needed for  xxxxx  as we have Articles showing xxxxx is the only signer AND have operating agreement showing only owner -  xx/xx/xxxx
 documentation is there for xxxxx  and  xxxxx . EIN is not needed for  xxxxx  as we have Articles showing xxxxx is the only signer AND have operating agreement showing only owner.  -  xx/xx/xxxx
 Document Uploaded.  -  xx/xx/xxxx
 Per xxxxx Non QM guidelines, an EIN is not required for this condition. Condition resolved. -  xx/xx/xxxx
Condition upheld. The EIN is needed to complete the vested entity profile not for signing purposes. We have all the business docs except the EIN #. Provide EIN documentation.  -  xx/xx/xxxx
Condition upheld. Vested business entity is  xxxxx . Provide EIN documentation..  -  xx/xx/xxxx
Condition upheld. Doc provided does not contain EIN number. Provide EIN documentation. -  xx/xx/xxxx
   2026-03-04 20:23 Resolved 3 1 3 1
25     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt 7379380 5 of 5 xx/xx/xxxx Credit Missing Business Purpose Affidavit File is missing statement of business purpose. Guidelines states xxx is to be signed at closing. Originator to provide signed/dated/notarized BPA.

  Document Uploaded.  -  xx/xx/xxxx

 Business Purpose Affidavit provided. Condition resolved. -  xx/xx/xxxx

   2026-02-05 20:23 Resolved 3 1 3 1
65     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) 9846585 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-19 18:04 Cleared 1 1 1 1
65     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) 9846589 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-19 18:04 Cleared 1 1 1 1
65     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) 9847629 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-19 19:09 Cleared 1 1 1 1
15     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 5934035 1 of 3 xx/xx/xxxx Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines. The borrower is a foreign national. Per guidelines,  foreign nationals require a visa, but is missing from the loan file. There is an exception located in the loan file, but references a DSCR of 0.804 and a loan amount of  xxxxx , but the approved DSCR is 0.635 and the loan amount of  xxxxx . Please provide an updated exception.



  The exception approval date was xx/xx during udnerwriting process prior to CTC,as you can see a redisclosure date was xx/xx  and some paramets changed on file. No need to update exception. -  xx/xx/xxxx
 Exception in file.  Condition is waived. -  xx/xx/xxxx

 Borrower contribution exceeds 5% requirement. Reserves exceeds minimum required. 2025-11-03 16:48 Waived 3 2 3 2
15     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 5934039 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2025-10-17 17:41 Cleared 1 1 3 2
15     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 5934043 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2025-10-17 17:41 Cleared 1 1 3 2
17     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 6178232 1 of 3 xx/xx/xxxx Credit Borrower - Residency Alien Documentation The borrower indicates Resident Alien status, however, the file contains no evidence documenting status as legally. Guidelines require a Visa.  Notes in file show it was requested however it doesn't show provided.  Please provide a copy of their active Visa or acceptable alternative documentation to verify visa classification is an I-797 form (Notice of Action) with valid extension dates and an I-94 form (Arrival/Departure Record).



  Borrower's visa was on page 141 of uploaded credit package -  xx/xx/xxxx

 Borrowers xxxxx Visa is on file and expires on  xx/xx/xxxx.  Condition resolved. -  xx/xx/xxxx
   2025-11-13 21:13 Resolved 2 1 2 1
17     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 6201590 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2025-11-10 23:14 Cleared 1 1 2 1
17     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 6201593 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2025-11-10 23:14 Cleared 1 1 2 1
16     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt 5956700 1 of 3 xx/xx/xxxx Property Missing Doc - 3rd Party Valuation Product/Missing The loan file did not contain the required 3rd party valuation product. CU Risk score of 2.7 exceeds max allowed of 2.5. xxxxx Value in file is not acceptable per guidelines. Missing required AVM with 90%+ confidence score  or CDA from  xxxxx .
required.

  Document Uploaded. The only vendor we use for CDAs is xxxxx. CDA value is within 10% variance per the GL: -  xx/xx/xxxx
 Document Uploaded. Please see attached CDA -  xx/xx/xxxx
 CDA provided and supports value.  Condition resolved. -  xx/xx/xxxx
A duplicate of the xxxxx Value ( not a CDA) already in loan file provided which is not acceptable per waterfall guidelines. Provide a CDA xxxxx valuation.  -  xx/xx/xxxx
   2025-11-13 20:53 Resolved 3 1 3 1
16     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt 5956857 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2025-10-21 13:57 Cleared 1 1 3 1
16     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt 5956863 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2025-10-21 13:58 Cleared 1 1 3 1
18     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 6455677 1 of 3 xx/xx/xxxx Credit Audited Loan Amount is less than Guideline Minimum Loan Amount Audited loan amount is less than the guideline Minimum loan amount. Minimum loan amount is  xxxxx  and our loan amount is  xxxxx .  A formal exception was provided.



      The exception was approved based on DTI >=10% lower than loan program, LTV 10% below maximum, and reserves >6 months.  The exception was condition with no POA allowed. 2025-12-03 20:24 Waived 2 2 2 2
18     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 6472285 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2025-12-03 20:21 Cleared 1 1 2 2
18     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 6472341 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2025-12-03 20:24 Cleared 1 1 2 2
20     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 7019800 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-01-10 01:21 Cleared 1 1 3 1
20     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 7047551 2 of 3 xx/xx/xxxx Property Missing Doc - 3rd Party Valuation Product/Missing The loan file did not contain the required 3rd party valuation product.

  Document Uploaded. Please find attached -  xx/xx/xxxx

 Document Uploaded. There are two full Appraisal report in file -  xx/xx/xxxx

 2nd full appraisal in file. Condition resolved. -  xx/xx/xxxx

Condition upheld. Provide CU/SSR. -  xx/xx/xxxx

   2026-02-05 14:28 Resolved 3 1 3 1
20     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 7048437 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-01-12 19:50 Cleared 1 1 3 1
21     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 7152118 1 of 4 xx/xx/xxxx Credit Income and Employment Do Not Meet Guidelines Income and employment do not meet guidelines. The 12 months business bank statements used for income have 12 NSF's. The max allowed is 6 in a 12 month period. 1) Missing the borrower's LOE regarding the NSF's, and 2) Missing the lender's exception due to the # of excessive NSF's.



  Document Uploaded. we have approved exception for that -  xx/xx/xxxx

 Condition waived. Exception approval provided. -  xx/xx/xxxx

 Revolving debt is under 30%, Residual income >=3000$, DTI >=10% lower than loan program, No credit events past 40 months, No
mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40
points than minimum required		 2026-02-04 17:24 Waived 3 2 3 2
21     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 7152243 2 of 4 xx/xx/xxxx Credit Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). xxxxx last verified 1 xx/xx/xxxx/ the subject loan closing date of 1 xx/xx/xxxx-  Missing the updated debt monitoring report/gap credit report up until the day of closing as stated in the guides.



  Document Uploaded. Please find attached -  xx/xx/xxxx

 Borrower 1 Gap Credit Report is not expired. -  xx/xx/xxxx

GAP CR provided. Condition resolved. -  xx/xx/xxxx

   2026-03-31 00:13 Resolved 3 1 3 2
21     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 7152428 3 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-01-17 05:35 Cleared 1 1 3 2
21     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 7177333 4 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2026-01-20 13:57 Cleared 1 1 3 2
19     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 6886887 1 of 4 xx/xx/xxxx Credit Borrower 1 Business Bank Statements Missing Borrower 1 Business Bank Statements missing from the file.

  Document Uploaded. Please review uploaded bank st -  xx/xx/xxxx

 Borrower 1 Business Bank Statements Provided. Condition resolved. -  xx/xx/xxxx

   2026-01-16 14:51 Resolved 3 1 3 1
19     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 6886935 2 of 4 xx/xx/xxxx Credit Assets - Earnest Money Deposit The earnest money deposit was not properly documented and/or sou xxxxx d.

  Document Uploaded. Please review uploaded EMD withdrawal (transaction date  xx/xx/xxxx) -  xx/xx/xxxx

 Earnest money deposit docs provided. Condition resolved. -  xx/xx/xxxx

   2026-01-16 14:52 Resolved 3 1 3 1
19     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 6886943 3 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-01-01 16:11 Cleared 1 1 3 1
19     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 6886945 4 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2026-01-01 16:11 Cleared 1 1 3 1
40     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) 9143183 1 of 5 xx/xx/xxxx Credit Missing VOM or VOR Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The file is missing VOR for for current residence.



  Good day,
The borrower is the first time home buyer and we don't require VOR for previous rental primary,
if the borrower purchasing a new primary.
No payment shock has been confirmed based on rent amount provided on 1003. -  xx/xx/xxxx

 The borrower is the first time home buyer and we don't require VOR for previous rental primary, if the borrower purchasing a new primary. Condition resolved. -  xx/xx/xxxx

   2026-05-14 18:35 Resolved 3 1 3 2
40     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) 9143448 2 of 5 xx/xx/xxxx Credit Audited Loan Amount is less than Guideline Minimum Loan Amount Audited loan amount is less than the guideline Minimum loan amount. The guideline minimum loan amount is  xxxxx . Subject loan amount is  xxxxx . Formal exception is in file.



      The borrowers' residual income is at least $3,000. The debt-to-income ratio is at least 10% lower than the loan program requirement of 43%,  and there have been no credit events in the past 40 months.  2026-05-13 00:20 Waived 2 2 3 2
40     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) 9151614 3 of 5 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-05-12 14:53 Cleared 1 1 3 2
40     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) 9164482 4 of 5 xx/xx/xxxx Credit Cash reserves less than required by guidelines Guidelines require 12 months reserves for foreign national borrowers. Total Cash reserves of ' xxxxx  are less than  xxxxx
  Document Uploaded. Please see attached -  xx/xx/xxxx

 Borrower is Non Permanent Resident Alien. Guideline's requires 3 months reserves. Condition resolved. -  xx/xx/xxxx

Docs provided. Condition resolved. -  xx/xx/xxxx

   2026-05-14 19:34 Resolved 3 1 3 2
40     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) 9164533 5 of 5 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-05-13 00:21 Cleared 1 1 3 2
24     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 7339567 1 of 2 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-01-28 21:39 Cleared 1 1 3 1
24     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 7339569 2 of 2 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-01-28 21:40 Cleared 1 1 3 1
23     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 7282850 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-01-24 16:13 Cleared 1 1 1 1
23     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 7282851 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-01-24 16:13 Cleared 1 1 1 1
23     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 7282853 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2026-01-24 16:14 Cleared 1 1 1 1
22     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 7254137 1 of 3 xx/xx/xxxx Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines. Subject property was listed for sale in the past 6 months prior to application date. Exception in file with compensating factors.  



        No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months. 2026-01-23 18:10 Waived 2 2 2 2
22     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 7254431 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2026-01-22 21:34 Cleared 1 1 2 2
22     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 7254434 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-01-22 21:34 Cleared 1 1 2 2
28     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt 8230726 1 of 3 xx/xx/xxxx Credit Borrower 1 Credit Report is Expired Borrower 1 Credit Report is Expired (Greater than 120 days from the Closing Date). Unable to locate updated credit report.  



   The Credit Report begins on Page 3. of the  xxxxx " PDF original upload. The Date of the report is  xx/xx/xxxx, the Closing Date was  xx/xx/xxxx, this is 90 days. Please advise.  -  xx/xx/xxxx

 Credit report in file. Condition resolved. -  xx/xx/xxxx

   2026-03-27 19:16 Resolved 3 1 3 1
28     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt 8230971 2 of 3 xx/xx/xxxx Property Loan Purpose is Purchase but Purchase Contract Doc is Missing Loan purpose is purchase and valuation type of purchase contract has not been selected. Purchase contract in file is not for this property or borrower.  



   Document Uploaded. Please see the attached Purchase contract for review.  -  xx/xx/xxxx
 Please see pages 751-760 of the Original " xxxxx " PDF upload. This is the Purchase Contract.  -  xx/xx/xxxx
 Purchase contract provided. Condition resolved. -  xx/xx/xxxx

Purchase contract provided. Condition resolved. -  xx/xx/xxxx

Condition upheld. Unable to locate purchase contract in file. Provide purchase contract. -  xx/xx/xxxx

   2026-03-31 14:16 Resolved 3 1 3 1
28     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt 8234138 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-03-20 13:02 Cleared 1 1 3 1
27     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8092245 1 of 3 xx/xx/xxxx Compliance 1-4 Family Rider is Missing The file is missing the 1-4 Family Rider. Missing 1-4 family rider



  Property is 6 units in which the executed 5-8 unit rider included in package submitted (pages 28 of mortgage [rider boxes checked] and 49-50 of 461).  The 5-8 unit rider is required for properties that are 5-8 units rather than the 1-4 family rider. -  xx/xx/xxxx

 5-8 unit rider in the file -  xx/xx/xxxx

   2026-03-18 13:52 Resolved 3 1 3 1
27     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8092774 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-03-13 12:45 Cleared 1 1 3 1
27     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8092776 3 of 3 xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

        2026-03-13 12:45 Cleared 1 1 3 1
26     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 7943473 1 of 7 xx/xx/xxxx Credit Title Coverage is Less than Subject Lien(s) Total Title coverage is less than total amount of subject lien(s). Title coverage  xxxxx  vs ln amount  xxxxx  

   Title fees are calculated based of the correct loan amount. Final title policy will be issued with the correct coverage equal to xx. It was agreed that coverage on Title commitment should be removed from the scope of the review. -  xx/xx/xxxx
 xxxxx does not require title coverage to match the loan amount. Final title policy will be issued with the correct coverage equal to LA. Condition resolved. -  xx/xx/xxxx

   2026-03-10 21:27 Resolved 3 1 3 2
26     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 7944411 2 of 7 xx/xx/xxxx Credit Cash reserves less than required by guidelines Total Cash reserves of ' xxxxx  are less than  xxxxx ginator incorrectly stated xxxx balance as  xxxxx vs  xxxxx , creating reserve shortage - xxxxx unless documentation provided to use  xxxxx  

   The exception is being approved by Credit committe,it never shows a name who is approving it. -  xx/xx/xxxx
 Document Uploaded. Please review uploaded exception -  xx/xx/xxxx
 Document Uploaded. We have sufficient funds to cover reserves requirements. We used xxxxx accounts_xxx and xxx for reserves. -  xx/xx/xxxx
 Exception approval provided. Condition waived.  -  xx/xx/xxxx
Condition upheld. The approval provided does not have the name of the approving person. Provide approval with name or signature. -  xx/xx/xxxx
Condition upheld. Accounts #xxxx and  xxxxx are already being factored in the assets. Provide additional assets for stated xxxxx balance as  xxxxx  vs  xxxxx  -  xx/xx/xxxx
 No credit events past 40 months.
5+ years credit history.
No consumer late payments in the last 24 months.		 2026-03-20 16:51 Waived 3 2 3 2
26     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 7947862 3 of 7 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-03-05 17:09 Cleared 1 1 3 2
26     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 7975567 4 of 7 xx/xx/xxxx Compliance Federal - Right of Rescission Variance Failure (TILA) The disclosed "Right to Cancel Expire Date" (xx/xx/xxxx) is earlier than the system calculated "Right to Cancel Expire Date" (xx/xx/xxxx). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (xxxxx and xxxxx) Disbursement date is  xx/xx/xxxx. Rescission expiration date is  xx/xx/xxxx.

  LOX was uploaded xx/xx -  xx/xx/xxxx
 Document Uploaded. Please review uploaded documents along with  xxxxx  labels  -  xx/xx/xxxx
 Document Uploaded. please review uploaded revised docs -  xx/xx/xxxx
 It's rate/term refinance transaction, 3 business day recission will not apply. -  xx/xx/xxxx
 LOX provided -  xx/xx/xxxx
Received PCCD, new rescission documents and mailing lable.  Please provide the LOE provided with the package to the borrower and resubmit 3 days after package is received by the borrower to clear the condition -  xx/xx/xxxx
Received unexecuted closing docs with the date changed.  In order to clear this violation, please provide the following: New rescission notice giving the borrowers an additional 3 days to rescind the transaction, a LOE to the borrower explaining the reason rescission has been reopened, mailing label as proof of delivery of the documents. Proof of delivery will suffice as proof the borrower received the documents.  Resubmit when 3 day rescission has expired.  -  xx/xx/xxxx
The only transaction where a RTC would not be applicable for a primary residence would be refinancing with the same lender with no new, additional funds.  RTC is most certainly applicable with a rate/term refiance with a new lender.  Please re-open rescission giving the borrower an additional 3 days to rescind the transaction. -  xx/xx/xxxx
   2026-03-24 14:46 Resolved 3 1 3 2
26     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 7975568 5 of 7 xx/xx/xxxx Compliance Federal - Right of Rescission (Loan Disbursement Violation) (TILA) The loan disbursement date (xx/xx/xxxx) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (xx/xx/xxxx). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (xxxxx, xxxxx and xxxxx) Disbursement date is  xx/xx/xxxx. Rescission expiration date is  xx/xx/xxxx.

  LOX was uploaded x/xx -  xx/xx/xxxx
 Document Uploaded. LOX is uploaded -  xx/xx/xxxx
 Document Uploaded. Please review uploaded documents along with  xxxxx  labels  -  xx/xx/xxxx
 Document Uploaded. Please review uploaded revised docs -  xx/xx/xxxx
 It's rate/term refinance transaction, 3 business day recission will not apply. -  xx/xx/xxxx
 Resolved -  xx/xx/xxxx

Received LOE and package tracking.  Rescission period will begin when package is delivered.  Please resubmit 3 days after delivery to clear the condition. -  xx/xx/xxxx

Received PCCD, new rescission documents and mailing lable.  Please provide the LOE provided with the package to the borrower and resubmit 3 days after package is received by the borrower to clear the condition -  xx/xx/xxxx

Received unexecuted closing docs with the date changed.  In order to clear this violation, please provide the following: New rescission notice giving the borrowers an additional 3 days to rescind the transaction, a LOE to the borrower explaining the reason rescission has been reopened, mailing label as proof of delivery of the documents. Proof of delivery will suffice as proof the borrower received the documents.  Resubmit when 3 day rescission has expired.  -  xx/xx/xxxx

The only transaction where a RTC would not be applicable for a primary residence would be refinancing with the same lender with no new, additional funds.  RTC is most certainly applicable with a rate/term refiance with a new lender.  Please re-open rescission giving the borrower an additional 3 days to rescind the transaction. -  xx/xx/xxxx

   2026-03-24 14:46 Resolved 3 1 3 2
26     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8288794 6 of 7 xx/xx/xxxx Compliance Rescission: Variance           2026-03-24 14:50 Resolved   1 3 2
26     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8288883 7 of 7 xx/xx/xxxx Compliance Rescission: Disbursement       Resolved -  xx/xx/xxxx

   2026-03-24 14:51 Resolved 1 1 3 2
35     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) 8928612 1 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-04-28 19:11 Cleared 1 1 3 1
35     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) 8931723 2 of 3 xx/xx/xxxx Credit Missing VOM or VOR Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Borrower states that the property is own. Please provide a letter advising that the property is own free and clear.



  Document Uploaded. The borrower is an owner of  xxxxx  because they are vested on title.

However,  they are not obligated on the mortgage so we would not require a VOM or VOR.

I have included the note to show our borrower is not obligated & the mortgage statement to verify T&I are escrowed so we do not have to hit for that payment either.
 -  xx/xx/xxxx
 Docs provided. Condition resolved. -  xx/xx/xxxx

   2026-04-30 19:35 Resolved 3 1 3 1
35     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) 8933353 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-04-28 22:28 Cleared 1 1 3 1
45     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9403159 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2026-05-27 17:35 Cleared 1 1 3 1
45     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9403172 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-05-27 17:36 Cleared 1 1 3 1
45     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9404358 3 of 3 xx/xx/xxxx Credit Eligibility - Borrower Identity The loan file reflected potential identity issues. Missing ITIN for both borrowers  



   Document Uploaded.  -  xx/xx/xxxx

 Document Uploaded.  -  xx/xx/xxxx

 Document Uploaded.  -  xx/xx/xxxx

 Borrower's are Foreign National's. Per guideline ITIN not required. -  xx/xx/xxxx

Condition upheld. Loan is being vested in LLC. Borrower's are Foreign National's. Missing ITIN for both borrowers. -  xx/xx/xxxx

Condition upheld. Passport and Visa provided. Missing ITIN for both borrowers -  xx/xx/xxxx

   2026-06-08 13:11 Resolved 3 1 3 1
83     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) 9851402 1 of 2 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-21 15:03 Cleared 1 1 3 1
83     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) 9867138 2 of 2 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-22 16:30 Cleared 1 1 3 1
51     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9584564 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-05 16:44 Cleared 1 1 1 1
51     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9584565 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-05 16:44 Cleared 1 1 1 1
51     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9584566 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2026-06-05 16:44 Cleared 1 1 1 1
131     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10046695 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-07-02 17:24 Cleared 1 1 1 1
131     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10046722 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-07-02 17:24 Cleared 1 1 1 1
131     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10047725 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-07-02 18:39 Cleared 1 1 1 1
30     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8972762 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-04-30 15:47 Cleared 1 1 1 1
30     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8972763 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-04-30 15:47 Cleared 1 1 1 1
30     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8975842 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-04-30 17:56 Cleared 1 1 1 1
34     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) 8927354 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-04-28 18:32 Cleared 1 1 3 1
34     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) 8930863 2 of 3 xx/xx/xxxx Compliance Charges That Cannot Increase Test (50001251) The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (xxxxx; xxxxx). There is not a Change in Circumstance in the file for Rate lock on X/XX to add Loan discount points in the amount of  xxxxx  There is also a missing Change of Circumstance for Loan Points increase on Final CD dated xx/xx/xxxx

   Document Uploaded. COC's uploaded, please review. -  xx/xx/xxxx

 Received CICs for increased fees -  xx/xx/xxxx

Resolved -  xx/xx/xxxx

   2026-05-05 18:49 Resolved 3 1 3 1
34     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) 8933607 3 of 3 xx/xx/xxxx Credit Hazard Insurance Coverage Amount is less than Required Coverage Amount Coverage Amount - Hazard insurance amount is less than required coverage amount. Coverage A (Dwelling) is  xxxxx , which is below the loan amount of  xxxxx  and does not meet minimum coverage requirements. Guidelines require coverage of at least 80% of the replacement cost; however, the replacement cost is not listed on the policy, and a Replacement Cost Estimate ( xxxxx ) is not in the file.
 



   Document Uploaded. Checklist of Coverage uploaded -  xx/xx/xxxx

 Per memo from xx/xx/xxxx - The minimum coverage limit calculation based on 100% of RCV or UPB and 80% of the RCV, has been removed and is no longer required.  Policy form is HO3, this is all that is required per Fannie/Freddie. Please review memo and review Fannie/Freddie.
 -  xx/xx/xxxx

 NQM should follow Fannie and Freddie Guidance. We only need to know that the insurance settles on a Replacement Cost Basis.  We do not have to look at 100%, 80%, appraised value, etc. An HO-3 settles on a replacement cost basis.  This was the direction given to Underwriting for all loan types.  As long as it is an HO-3 policy, nothing additional is needed.  Please review policy as it shows HO3. -  xx/xx/xxxx

  xxxxx  provided. Condition resolved. -  xx/xx/xxxx

Per Fannie Mae memo dated xx/xx/xxxx, the policy must be covered by insurance policy that provides coverage on replacement cost basis. This is not stated on the policy. Policy must state there is coverage on replacement cost basis or coverage equal or greater than loan amount.  -  xx/xx/xxxx

Condition upheld. Provide Replacement cost estimator.. -  xx/xx/xxxx

   2026-05-11 16:28 Resolved 3 1 3 1
31     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8897036 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-04-27 16:29 Cleared 1 1 1 1
31     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8897049 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-04-27 16:29 Cleared 1 1 1 1
31     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8899792 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-04-27 18:09 Cleared 1 1 1 1
44     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9374050 1 of 3 xx/xx/xxxx Property Appraisal - Other There are additional appraisal findings. Missing Third Party Market Rent Estimate to support  xxxxx on 1008 used by lender to qualify as market rent. DSCR loan product. Purchase.



  Document Uploaded. Please see attached -  xx/xx/xxxx

 Please see attached -  xx/xx/xxxx

 Document Uploaded. Good day,
The amount of  xxxxx was used based on the estimated market rent on the 1007 provided by the appraiser. -  xx/xx/xxxx

 1007 provided. Condition resolved. -  xx/xx/xxxx

Condition upheld. 1004 appraisal provided. 1007 is not in docs provided. Provide 1007. -  xx/xx/xxxx

Condition upheld. Appraisal provided. 1007 is not in the appraisal docs. Provide 1007. -  xx/xx/xxxx

   2026-06-09 13:34 Resolved 3 1 3 1
44     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9376767 2 of 3 xx/xx/xxxx Credit Cash Deposit Loan purpose is purchase, confirm if cash deposit has cleared account. deposit not confirmed



  Document Uploaded. Good day,

As per guideline, for Non-QM loans, we are able to skip verifying the EMD if there are enough assets to account for the EMD.  -  xx/xx/xxxx

 EMD backed out of assets. Condition resolved. -  xx/xx/xxxx

   2026-05-28 15:16 Resolved 3 1 3 1
44     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9377131 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2026-05-26 17:46 Cleared 1 1 3 1
32     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8894932 1 of 3 xx/xx/xxxx Property Subject property appraisal is not on an as-is basis (Primary Value) Primary value subject property appraisal is not on an as-is basis. Attestation of completion of repair in file, but not dated



  Document Uploaded. The invoice attached to the attestation is dated xx/xx. Uploaded.  -  xx/xx/xxxx
 Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable -  xx/xx/xxxx

Attestation provided. Condition resolved. -  xx/xx/xxxx

   2026-06-25 20:37 Resolved 3 1 3 1
32     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8896090 2 of 3 xx/xx/xxxx Credit Cash Deposit Loan purpose is purchase, confirm if cash deposit has cleared account. No evidence that the payment was received



  Document Uploaded. Per UW comments on file EMD was to be backed out from available assets  xxxxx .xx.  The system didnt back it out, so corrections were made and 1008 uploaded.
Available assets  xxxxx .xx. -  xx/xx/xxxx
 Updated 1008 provided. EMD was backed out of assets on file. Condition resolved. -  xx/xx/xxxx

   2026-04-29 16:08 Resolved 1 1 3 1
32     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8897204 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-04-27 16:37 Cleared 1 1 3 1
61     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9794568 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-17 16:36 Cleared 1 1 3 2
61     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9794680 2 of 3 xx/xx/xxxx Property Appraisal - Other There are additional appraisal findings. 2-4 unit with ADU - A formal exception is in file.  



       Compensating factors used were Revolving debt is under 30%, 5 years on current job, Residual income >=3000$, DTI >=10% lower than loan program, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, and Credit score >40 points than minimum required.  2026-06-18 15:11 Waived 2 2 3 2
61     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9798196 3 of 3 xx/xx/xxxx Compliance Missing Doc - Affiliated Business Disclosure/Missing Required Affiliated Business Disclosure missing

  initial disclosures include Affiliated Business Disclosure for Wholesale channel only on xxxxx loans -  xx/xx/xxxx

 No affiliate except for xxxx -  xx/xx/xxxx
   2026-06-22 13:44 Resolved 3 1 3 2
138     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 10027988 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2026-07-01 18:48 Cleared 1 1 1 1
138     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 10027989 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-07-01 18:48 Cleared 1 1 1 1
138     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 10031325 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-07-01 22:00 Cleared 1 1 1 1
110     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9940076 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-25 17:11 Cleared 1 1 3 1
110     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9940085 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-25 17:11 Cleared 1 1 3 1
110     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9941489 3 of 3 xx/xx/xxxx Compliance Missing Doc - Affiliated Business Disclosure/Missing Required Affiliated Business Disclosure missing This file is a NQM Loan.



  We only send the Affiliated Business Disclosure to loan in xxxxx, this is only applicable to xxxxx  loans. -  xx/xx/xxxx

 Loan is not in xxxxx  -  xx/xx/xxxx

   2026-06-30 14:43 Resolved 3 1 3 1
33     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8906692 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-04-29 17:20 Cleared 1 1 1 1
33     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8906693 2 of 3 xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

        2026-04-27 22:27 Cleared 1 1 1 1
33     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8915792 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-04-28 11:58 Cleared 1 1 1 1
42     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9159928 1 of 4 xx/xx/xxxx Credit Cash reserves less than required by guidelines Total Cash reserves of ' xxxxx ' are less than  xxxxx rower recent statement for #xxxx has less funds than what was submitted making short of reserve requirement of 3 months, borrower did receive gift funds however those are not eligible to be used towards reserves.   

   Document Uploaded. #xxxx transaction history uploaded showing  xxxxx xx balance -  xx/xx/xxxx
 Borrower has a balance of  xxxxx .xx in #xxxx,  xxxxx .xx in #xxxx and received a  xxxxx  gift at closing.  Per the Final CD, cash to close was  xxxxx xx and reserves of  xxxxx xx. Based on the balances in this account, there is sufficient funds to close and reserves. -  xx/xx/xxxx
 Total Cash reserves are greater than  xxxxx xx/xx/xxxx
Asset statement provided. Condition resolved. -  xx/xx/xxxx
Condition upheld. Statement on file end date is 2-27 for  xxxxx . Provide statement  #xxxx for  xxxxx .77. -  xx/xx/xxxx
   2026-06-10 15:27 Resolved 3 1 4 1
42     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9159998 2 of 4 xx/xx/xxxx Credit Missing letter of explanation Missing borrower letter of explanation for debts being paid for by the business.   

   Document Uploaded. 1008 uploaded showing all other payments  xxxxx 4.  No debts excluded from dti calculations.  -  xx/xx/xxxx

 There are no debts excluded on this loan and no debts being paid by the business. All debts listed are included in debt ratio. Please review. -  xx/xx/xxxx

 1008 provided showing debt was included in all other payments  xxxxx  Condition resolved -  xx/xx/xxxx
Condition upheld.  Credit shows xxxxx revolving account  xxxxx nthly and xxxxx revolving account  xxxxx nthly. Both Excluded being paid by business account. -  xx/xx/xxxx
   2026-05-15 18:48 Resolved 3 1 4 1
42     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9173381 3 of 4 xx/xx/xxxx Compliance TRID: Missing Initial Closing Disclosure The loan file does not contain the initial Closing Disclosure.

  Document Uploaded. ICD uploaded -  xx/xx/xxxx

 Received ICD -  xx/xx/xxxx

   2026-05-15 16:04 Resolved 4 1 4 1
42     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9185974 4 of 4 xx/xx/xxxx Property Value - Field Review Does Not Support Value within 10% A Retro-Field Review was performed. The original appraised value is not supported within a variance within 10%. The loan file contains 2 appraisals; however the 3rd party review is missing.



  Per NQM guidelines P 91/92, we have two appraisal and the secondary valuation cannot be more than 10% less than the appraised value. The lesser value was used in this instance. Nothing more should be required. Please review. -  xx/xx/xxxx

 2 appraisals in file are within 10% variance. Variance shows 8.71%. Condition resolved. -  xx/xx/xxxx

   2026-05-15 15:49 Resolved 3 1 4 1
37     xx/xx/xxxx xxxxx xxxxx xx Second Home Purchase Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) 9073292 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-05-06 21:50 Cleared 1 1 1 1
37     xx/xx/xxxx xxxxx xxxxx xx Second Home Purchase Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) 9073294 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-05-06 21:51 Cleared 1 1 1 1
37     xx/xx/xxxx xxxxx xxxxx xx Second Home Purchase Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) 9081869 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-05-07 12:35 Cleared 1 1 1 1
39     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9127828 1 of 5 xx/xx/xxxx Credit Hazard Insurance Effective Date is after the Disbursement Date Hazard insurance effective date is after the disbursement date. There are two separate hazard policies in file with two separate policy numbers (xxxx-xxx-xxxx and xxxx-xxxx-xxx) with two different term dates  xx/xx/xxxx/ and xx/xx/xxxx/). Both policies are from xxxxx and unable to determine which is the actual effective policy.  

   Document Uploaded. Please review uploaded settlement statement -  xx/xx/xxxx
 The file was closed with HUD -  xx/xx/xxxx
 The policy xx/xx was used a time of lcosing then we requested revised policy with  xxxxx  and lender provided with revised policy as of xx/xx -  xx/xx/xxxx
 Policy in file. Renewal effective date xx/xx/xxxx. Condition resolved. -  xx/xx/xxxx
Condition upheld. Provide HUD. -  xx/xx/xxxx
Condition upheld. Provide PCCD. -  xx/xx/xxxx
   2026-05-15 13:48 Resolved 3 1 4 1
39     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9128390 2 of 5 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-05-11 14:36 Cleared 1 1 4 1
39     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9141509 3 of 5 xx/xx/xxxx Credit Cash Out Does Not Meet Guideline Requirements Cash out does not meet guideline requirements. Per title commitment and transfer deed, the subject business entity acquired the property  xx/xx/xxxx from xx xxxx xxx which is less than 6 months prior to the subject Note Date  xx/xx/xxxx. Provide final Alta Settlement Statement to show the Guarantor's total cash investment in the property (purchase price plus documented improvements), and to determine the loan meets the maximum CLTV for delayed financing transactions which is the lower of the current appraised value or the original purchase price plus documented improvements completed after acquisition. Per guidelines, if no value was conveyed within the past 12 months, the maximum CLTV of 65% if to be applied.  

   Document Uploaded. As per title  xxxxx  was recorded  xx/xx/xxxx ( xxxxx  from one LLC to another LLC name). Operating agreement on file is showing that  xxxxx belongs to xxxxx.supporting documentation uploaded. -  xx/xx/xxxx
 Cash Out Meets Guideline Requirements -  xx/xx/xxxx

Docs provided. Condition resolved. -  xx/xx/xxxx

   2026-06-17 19:36 Resolved 3 1 4 1
39     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9142160 4 of 5 xx/xx/xxxx Credit Flood Certificate Missing Missing xxxxx ood certificate. Missing executed Signed Notice of Special xxxxx ood Hazard Disclosure. The document provided was not executed to support receipt.  



   Document Uploaded. The xxxxx lod certificate was signed -re-uploaded for your reference -  xx/xx/xxxx

 Flood Certificate is fully present -  xx/xx/xxxx

Updated xxxxx ood cert provided. Condition resolved. -  xx/xx/xxxx

Updated xxxxx ood cert provided. Condition resolved. -  xx/xx/xxxx

   2026-05-15 13:47 Resolved 4 1 4 1
39     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9142161 5 of 5 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2026-05-11 23:15 Cleared 1 1 4 1
56     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9820679 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-18 15:38 Cleared 1 1 3 1
56     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9822882 2 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-18 16:36 Cleared 1 1 3 1
56     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9824976 3 of 3 xx/xx/xxxx Credit Gift Letter - Missing A required gift letter was missing from the file and/or the donor funds were not verified.

  Document Uploaded.  -  xx/xx/xxxx

 Gift letter docs provided. Condition resolved. -  xx/xx/xxxx

   2026-06-22 13:48 Resolved 3 1 3 1
46     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9404875 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-05-27 18:48 Cleared 1 1 1 1
46     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9404894 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-05-27 18:48 Cleared 1 1 1 1
46     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9423622 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-05-28 15:28 Cleared 1 1 1 1
134     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10028209 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-07-01 18:57 Cleared 1 1 1 1
134     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10028240 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-07-01 18:58 Cleared 1 1 1 1
134     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10029312 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-07-01 19:52 Cleared 1 1 1 1
77     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9845290 1 of 4 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-19 16:45 Cleared 1 1 3 1
77     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9845292 2 of 4 xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

        2026-06-19 16:45 Cleared 1 1 3 1
77     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9847388 3 of 4 xx/xx/xxxx Compliance Federal - Escrow Account Required (First Lien HPML)(06/2013) You submitted no property tax impound amounts for this loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes for loans secured by dwellings in condominiums, planned unit developments, or other common interest communities in which requires participation in a governing association, where the governing association has an obligation to the dwelling owners to maintain a master policy insuring all dwellings. A creditor or servicer may not cancel the escrow account until the earlier of: (1) termination of the underlying debt obligation or (2) FIVE years after consummation, if the unpaid principal balance is less than 80% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (xxxxx) 0

  The loan is Second lien and not HPML per compliance report. -  xx/xx/xxxx

 2nd lien.  First lien has escrows -  xx/xx/xxxx

   2026-06-23 15:16 Resolved 3 1 3 1
77     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9847389 4 of 4 xx/xx/xxxx Compliance AbilityToRepay: QMPointsAndFees The loan fees ( xxxxx ) exceed the (QM) (Note Amount >= xxxxx .) fee limit, which is 3% of the Total Loan Amount ( xxxxx ), the difference is ( xxxxx ). (xxxxx). Non QM

  The loan is Non-QM. -  xx/xx/xxxx

 Confirmed loan is nonQM -  xx/xx/xxxx

   2026-06-23 14:51 Resolved 3 1 3 1
84     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) 9851088 1 of 5 xx/xx/xxxx Credit Missing VOM or VOR Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Verification of Rent (VOR) Document is Missing. If no credit score is available, eligible for financing but will be underwritten to a lowest score eligible on the program Representative Score, or “No Score”, or “0 FICO” buckets if exist. A 2-year housing history is required.



  Document Uploaded. Per the exception comment it is cleared that the exception received or ITIN with no score & restricting the LTV at 75% -  xx/xx/xxxx

 Document Uploaded. Please see attached -  xx/xx/xxxx

 Waived by seller with compensating factors. -  xx/xx/xxxx
Condition upheld.  Exception provided states as a Comp Factor >6 months reserves.  Borrower has 3.9 months verified reserves in file. -  xx/xx/xxxx
Condition upheld. Exception approval provided is not addressing the condition. Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. xxxx 2-year housing history is required. -  xx/xx/xxxx
 5 years on current job, Residual income >=3000$, DTI >=10% lower than loan program. 2026-07-02 16:39 Waived 3 2 3 2
84     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) 9851094 2 of 5 xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

        2026-06-20 20:47 Cleared 1 1 3 2
84     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) 9851095 3 of 5 xx/xx/xxxx Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines. Per xxxxx Mortgage xxx NON-QM LOAN ELIGIBILITY GUIDELINES EFFECTIVE xx-xx-xxxx:
GENERAL REQUIREMENTS FOR ALL BANK STATEMENT INCOME PROGRAMS
- All parties listed on each bank account must also be borrowers on the loan (personal bank statements). Bank statements reflect  xxxxx x xxxx.
 

   Document Uploaded. The exception approved clearly state the condition as to exclude the 2nd person from loan application.  -  xx/xx/xxxx

 Document Uploaded. Please see attached -  xx/xx/xxxx

 Waived by seller with compensating factors. -  xx/xx/xxxx
Condition upheld. Exception approval provided does not address the condition. Per xxxxx xxxxx NON-QM LOAN ELIGIBILITY GUIDELINES EFFECTIVE xxxxx GENERAL REQUIREMENTS FOR ALL BANK STATEMENT INCOME PROGRAMS - All parties listed on each bank account must also be borrowers on the loan (personal bank statements). Bank statements reflect xxxx x xxxxx xx. -  xx/xx/xxxx
 5 years on current job, Residual income >=3000$, DTI >=10% lower than loan program. 2026-07-02 16:40 Waived 3 2 3 2
84     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) 9867447 4 of 5 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-22 16:41 Cleared 1 1 3 2
84     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) 9872709 5 of 5 xx/xx/xxxx Credit Audited LTV Exceeds Guideline LTV Audited LTV exceeds guideline LTV. Provide exception documentation



  Good day,

Both waivers, which were provided initially allowed the Max LTV at 75% -  xx/xx/xxxx

 Approved Exception in file for LTV at 75% -  xx/xx/xxxx

 5 years on current job, Residual income >=3000$, DTI >=10% lower than loan program, Reserves >6 months 2026-07-08 18:34 Waived 3 2 3 2
75     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9849786 1 of 4 xx/xx/xxxx Credit Missing VOM or VOR Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing 12 months VOR



  We don't require primary rent VOR since the borrower is purchasing new primary and that debt is no longer applicable. We have the rent amount for payment shock verification purpose listed on the 1003 page 2, and that is enough.
 -  xx/xx/xxxx

 Document Uploaded. Please see the Green card verifying the residency status.  -  xx/xx/xxxx

 Borrower meets minimum tradeline requirement per guidelines.  VOR not required. -  xx/xx/xxxx

Condition upheld. Green card provided. Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing 12 months VOR -  xx/xx/xxxx

   2026-06-25 18:20 Resolved 3 1 3 1
75     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9849948 2 of 4 xx/xx/xxxx Credit Loan Package - Divo xxxxx  Decree Missing The loan file did not contain the Divo xxxxx  Decree as required. Per 1003 Separation Agreement needed to evidence no additional debt



  Document Uploaded. We do not require divo xxxxx  decree for every case of separated borrowers, unless we have some signs of alimony or any debt related to this matter. This file is not the case.
 -  xx/xx/xxxx

 There`s no requirement in GLs for Divo xxxxx  decree for separated Borrowers. -  xx/xx/xxxx

 B1 is separated and not divo xxxxx d. Condition resolved. -  xx/xx/xxxx

Condition upheld. Separation Agreement needed to evidence no additional debt. -  xx/xx/xxxx

   2026-06-24 23:09 Resolved 3 1 3 1
75     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9861750 3 of 4 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-22 13:42 Cleared 1 1 3 1
75     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9864036 4 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-22 14:57 Cleared 1 1 3 1
41     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9188718 1 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-05-13 22:09 Cleared 1 1 1 1
41     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9198838 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-05-14 14:21 Cleared 1 1 1 1
41     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9198839 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-05-14 14:21 Cleared 1 1 1 1
47     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9430273 1 of 5 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-05-28 18:54 Cleared 1 1 3 2
47     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9450625 2 of 5 xx/xx/xxxx Compliance Missing Doc - Affiliated Business Disclosure/Missing Required Affiliated Business Disclosure missing Privacy Notice Disclosure listed Affiliates.



  Good morning,
Our initial disclosures include Affiliated Business Disclosure for Wholesale channel only on xxxxx loans. -  xx/xx/xxxx

 Concur.  No mortgage related affiliates except in xxxxx  -  xx/xx/xxxx

   2026-06-09 12:39 Resolved 3 1 3 2
47     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9452148 3 of 5 xx/xx/xxxx Credit Citizenship Documentation Not Provided Borrower 1 Citizenship Documentation is missing from the file. Missing verification of residency status.  



   Document Uploaded. Good morning,

The borrower is an ITIN borrower and as per guideline we require Photo ID and ITIN Letter
 -  xx/xx/xxxx

 ITIN and Photo ID provided. Condition resolved. -  xx/xx/xxxx

   2026-06-09 12:56 Resolved 3 1 3 2
47     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9456422 4 of 5 xx/xx/xxxx Credit Appraisal Transfer Letter - Missing The loan file does not contain the Appraisal Transfer Letter as required. The transferred appraisal effective date is later than the loan submission date due to a resubmission. A formal exception is in the file.  



       Loan approved based on residual income >=$3,000, DTI >=10% lower than the loan program, No credit events past 40 months, LTV 10% below maximum and credit score >40 points minimum required 2026-05-29 17:47 Waived 2 2 3 2
47     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9456525 5 of 5 xx/xx/xxxx Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines. Borrower is custodian on bank account.  Child is xxxxx and in xx according to state law ,custodial accounts established under the xxxxx Uniform Transfers to Minors Act (UTMA) may not transfer to the young adult until age 21 or 25. Thus, the major (parent and our borrower) on the loan has a right to manage the assets held in the account in a way that benefits minor. A formal exception is in the file.  

       Residual income >=3000$, DTI >=10% lower than loan program, LTV 10% below maximum, Credit score >40 points than minimum required,
Borrower contribution exceeds requirement >=5%		 2026-05-29 17:46 Waived 2 2 3 2
59     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9820512 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-18 15:34 Cleared 1 1 1 1
59     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9824790 2 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-18 17:33 Cleared 1 1 1 1
59     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9827270 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-18 19:03 Cleared 1 1 1 1
54     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9796721 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-17 18:12 Cleared 1 1 1 1
54     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9796817 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-17 18:18 Cleared 1 1 1 1
54     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9800444 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-17 21:01 Cleared 1 1 1 1
105     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9941344 1 of 4 xx/xx/xxxx Credit Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date).

  Document Uploaded. Good morning,
xxxxx was active until the day after the closing. 
The order was cancelled on xx/xx. The UW team does not cancel the xxxxx. This should be happening automatically or once the file is closed. -  xx/xx/xxxx
 The credit report for the borrower is dated xx/xx/xxxx and expires 120 days after that which is xx/xx/xxxx -  xx/xx/xxxx
 Document Uploaded. Please see attached -  xx/xx/xxxx
 GAP/xxxxx report provided.  Condition resolved. -  xx/xx/xxxx
Borrower 1 Gap Credit Report is not expired. -  xx/xx/xxxx
Condition upheld. Provide xxxxx. -  xx/xx/xxxx
Condition upheld GAP CR provided is dated xx/xx/xxxx. Closing date is xx/xx/xxxx -  xx/xx/xxxx
   2026-07-09 15:33 Resolved 3 1 3 1
105     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9942248 2 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-25 18:54 Cleared 1 1 3 1
105     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9944839 3 of 4 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-25 21:08 Cleared 1 1 3 1
105     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9956774 4 of 4 xx/xx/xxxx Credit Title Coverage is Less than Subject Lien(s) Total Title coverage is less than total amount of subject lien(s). Title policy coverage is for xxx,xxx, loan amount is xxx,xxx

  Good morning,

The provided commitment is preliminary, and according to the guideline, it should not be updated. The final version should match.  -  xx/xx/xxxx

 xxxxx does not require title coverage to match the loan amount. Final title policy will be issued with the correct coverage equal to xx. Condition resolved -  xx/xx/xxxx
   2026-06-30 18:09 Resolved 3 1 3 1
48     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9544744 1 of 3 xx/xx/xxxx Credit Approval/Underwriting Summary Not Provided The loan did not contain the Approval/Underwriting Summary. Missing the 1008/ Underwriting Summary.  



   Document Uploaded. please see the attached documents -  xx/xx/xxxx

 Approval/Underwriting Summary is fully present -  xx/xx/xxxx

Approval/Underwriting Summary provided. Condition resolved. -  xx/xx/xxxx

   2026-06-24 13:04 Resolved 3 1 3 1
48     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9544830 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2026-06-03 22:27 Cleared 1 1 3 1
48     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9544836 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-03 22:27 Cleared 1 1 3 1
136     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10046833 1 of 4 xx/xx/xxxx Credit Potential Occupancy/Current Address Issues identified in the file Primary listed as 1 xxxxx. Mortgage statement is in file. Appraisal listed as O/O. However, the years as primary residence not listed on the final 1003. Credit report lists primary residence address as xxxxx., xxxxx and previous address as xxxxx both listed as investment properties. Per transfer deed, Borrower obtained subject  xx/xx/xxxxClarification is needed for occupancy for subject property.
 
   Document Uploaded. We have appraisal report and hazard insurance in file which shows subject property is owner occupied.
System info was set incorrectly -  xx/xx/xxxx

 Evidence provided to show subject is Owner Occupied.  Condition resolved. -  xx/xx/xxxx

   2026-07-09 15:39 Resolved 3 1 3 1
136     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10047166 2 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-07-02 18:00 Cleared 1 1 3 1
136     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10049591 3 of 4 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-07-02 20:59 Cleared 1 1 3 1
136     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10050325 4 of 4 xx/xx/xxxx Credit DTI - Miscalculation Within Tolerance The income is miscalculated on one or more borrowers, however, the recalculated DTI is within allowable tolerances (3%) or DTI MAX. Lender included a  xxxxx  auto payment, shown as closed on credit report and also shown paid out of business account. The difference in total liabilities is this payment, causing a difference in DTI. To include the debt in DTI, please provide verification of the account status and balance.



  Document Uploaded. Auto Payment of amount  xxxxx cluded from DTI. DTI is set now. -  xx/xx/xxxx

 DTI matches lock provided.  Condition resolved. -  xx/xx/xxxx

   2026-07-09 15:42 Resolved 2 1 3 1
122     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10010406 1 of 3 xx/xx/xxxx Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines. Guidelines for a cash-out refinance state subject property must not be listed for sale in the past six months prior to application date. Property was listed and listing was removed  xx/xx/xxxxA formal exception is in the file.



      Debt ratio max is 50% - current ratio 27.31% - 22.69% less than maximum
No mortgage lates 0x30x24
LTV/CLTV less 75% currently 62% - 13% less
5 years of current self-employment 		 2026-07-01 16:34 Waived 2 2 2 2
122     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10010422 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-30 22:33 Cleared 1 1 2 2
122     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10020897 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-07-01 14:00 Cleared 1 1 2 2
36     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9022938 1 of 3 xx/xx/xxxx Compliance 1-4 Family Rider is Missing The file is missing the 1-4 Family Rider.

  Document Uploaded. Please review uploaded LOX . It's not required on all DSCR/investment loans. -  xx/xx/xxxx

 Assignment of Rents attached to mortgage -  xx/xx/xxxx

   2026-05-07 14:03 Resolved 3 1 3 1
36     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9023149 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-05-04 14:49 Cleared 1 1 3 1
36     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9023153 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-05-04 14:49 Cleared 1 1 3 1
38     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) 9155419 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-05-12 16:51 Cleared 1 1 2 1
38     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) 9155426 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-05-12 16:52 Cleared 1 1 2 1
38     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) 9160721 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-05-12 20:02 Cleared 1 1 2 1
64     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9847628 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-19 19:09 Cleared 1 1 3 1
64     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9849580 2 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-19 22:29 Cleared 1 1 3 1
64     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9860996 3 of 3 xx/xx/xxxx Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines. Per guidelines, transfers from other accounts and wire transfers must be documented or excluded from the calculation. The majority of the borrower's income was calculated from incoming wire transfers. Unable to locate documentation of these transfers, or an exception to allow the use of them.



  Document Uploaded. please see attached -  xx/xx/xxxx

 Doc provided. B1 is using business bank statements. Condition resolved. -  xx/xx/xxxx

   2026-06-30 12:58 Resolved 3 1 3 1
113     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9983797 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-29 17:54 Cleared 1 1 2 2
113     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9983824 2 of 3 xx/xx/xxxx Credit Income and Employment Do Not Meet Guidelines Income and employment do not meet guidelines. The borrower occurred over the maximin of NSF's



      Compensating factors include, DTI below 45%, Revolving debt is under 30%  No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history 2026-06-29 22:52 Waived 2 2 2 2
113     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9986635 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-29 20:06 Cleared 1 1 2 2
97     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9921960 1 of 3 xx/xx/xxxx Credit Citizenship Documentation Not Provided Borrower 1 Citizenship Documentation is missing from the file.

  Good morning,

Borrower is ITIN, local government ID is enough for ITIN borrower's requirement. -  xx/xx/xxxx

 Document Uploaded. Please see attached
 -  xx/xx/xxxx

 ITIN letter and DL provided. Condition resolved. -  xx/xx/xxxx

Condition upheld. DL and ITIN letter providedB1 is Non Permanent Resident Alien. Provided documents/Non Permanent Resident Alien I.D. -  xx/xx/xxxx

   2026-06-29 22:42 Resolved 3 1 3 1
97     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9923473 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-24 20:44 Cleared 1 1 3 1
97     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9931909 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-25 11:06 Cleared 1 1 3 1
81     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9851491 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-21 20:31 Cleared 1 1 1 1
81     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9851492 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-21 20:32 Cleared 1 1 1 1
81     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9869341 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-22 21:38 Cleared 1 1 1 1
103     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt 9913427 1 of 3 xx/xx/xxxx Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines. Missing Operating Agreement as required for LLC's per guidelines.  



   Document Uploaded. N/A. We had articles and most recent filing indicating borrower is only the one member. -  xx/xx/xxxx

 Articles and most recent filing provided. Borrower is the only member. Condition resolved. -  xx/xx/xxxx

   2026-06-25 23:06 Resolved 3 1 3 1
103     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt 9913849 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2026-06-24 15:17 Cleared 1 1 3 1
103     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt 9913853 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-24 15:18 Cleared 1 1 3 1
62     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9801828 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-17 22:09 Cleared 1 1 1 1
62     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9801883 2 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-17 22:09 Cleared 1 1 1 1
62     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9801888 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-18 15:03 Cleared 1 1 1 1
69     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) 9842438 1 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-19 13:48 Cleared 1 1 1 1
69     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) 9842853 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-19 14:15 Cleared 1 1 1 1
69     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) 9842856 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-19 14:15 Cleared 1 1 1 1
55     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9781178 1 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2026-06-16 23:15 Cleared 1 1 2 2
55     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9781180 2 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-16 23:15 Cleared 1 1 2 2
55     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9846737 3 of 4 xx/xx/xxxx Credit Credit Profile - Credit History Insufficient The documented credit history does not meet guidelines.

    The documented credit history does not meet guidelines. The borrower's credit report reflects only one tradeline.  An Approved Exception form was provided in file. -  xx/xx/xxxx

 Compensating factors include an LTV 10% below maximum. Borrower contribution exceeds guideline requirement of 5%.  Borrower shows evidence of reserves greater than 6 months. 2026-06-19 18:26 Waived 2 2 2 2
55     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9846999 4 of 4 xx/xx/xxxx Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines.

    The subject loan does not conform to program guidelines. Borrower's immigration status is not Foreign National. Borrower has green card, but resides in Israel, therefore no tradelines. Exception to qualify him as foreign national DSCR was provided in the loan file.  -  xx/xx/xxxx

 Compensating factors include an LTV 10% below maximum. Borrower contribution exceeds guideline requirement of 5%.  Borrower shows evidence of reserves greater than 6 months. 2026-06-19 18:26 Waived 2 2 2 2
67     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9844059 1 of 3 xx/xx/xxxx Credit Flood Insurance Policy Missing Missing xxxxx ood insurance policy.

  Document Uploaded. Please see attached insurance policy including xxxxx ood. -  xx/xx/xxxx

 Flood Insurance Policy provided. Condition resolved. -  xx/xx/xxxx

   2026-06-23 16:41 Resolved 3 1 3 1
67     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9844524 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-19 15:52 Cleared 1 1 3 1
67     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9846279 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-19 17:44 Cleared 1 1 3 1
49     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9564058 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-04 19:30 Cleared 1 1 1 1
49     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9564074 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-04 19:31 Cleared 1 1 1 1
49     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9564353 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2026-06-04 19:47 Cleared 1 1 1 1
140     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 10026798 1 of 2 xx/xx/xxxx Credit Audited Loan Amount is less than Guideline Minimum Loan Amount Audited loan amount is less than the guideline Minimum loan amount. Loan amount is xxxxx minimum is xxxk. Lenders compensating factors doesn't meet Maxwell compensation factors requirements

  Document Uploaded. please see attached -  xx/xx/xxxx

 Approved exception for Loan Amount of  xxxxx  being below the minimum Loan Amount of  xxxxx  -  xx/xx/xxxx
 No credit events past 40 months, Reserves >6 months, DSCR>1.25 2026-07-06 19:35 Waived 3 2 3 2
140     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 10033394 2 of 2 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2026-07-02 01:32 Cleared 1 1 3 2
50     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9564141 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-04 19:36 Cleared 1 1 1 1
50     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9564142 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2026-06-04 19:36 Cleared 1 1 1 1
50     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9564153 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-04 19:36 Cleared 1 1 1 1
108     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt 9940785 1 of 4 xx/xx/xxxx Credit Borrower - Residency Alien Documentation The borrower indicates Resident Alien status, however, the file contains no evidence documenting status as legally. Missing visa documentation.



  Document Uploaded. Please see attached -  xx/xx/xxxx

 Document Uploaded. ITIN Letter and Passport were already provided -  xx/xx/xxxx

 Document Uploaded. Please see attached -  xx/xx/xxxx

 Document Uploaded. Borrower is ITIN, local government ID is enough for ITIN borrower's requirement. -  xx/xx/xxxx

 Patriot Act form provided.   -  xx/xx/xxxx

Condition upheld. Provide patriot act form.. -  xx/xx/xxxx

Condition upheld. Passport provided. Provide local government issued I.D or DL. -  xx/xx/xxxx

Condition upheld. ITIN letter and passport provided. Provided local government ID. -  xx/xx/xxxx

   2026-07-06 17:54 Resolved 2 1 2 2
108     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt 9940810 2 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-25 17:50 Cleared 1 1 2 2
108     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt 9940811 3 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2026-06-25 17:50 Cleared 1 1 2 2
108     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt 9943058 4 of 4 xx/xx/xxxx Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines. Guidelines require all parties listed on each bank account for self-employment bank statement income program to be a borrower on the loan, when spouse did not join in the subject loan transaction - A formal exception is in file.  



       Compensating factors used were 5 years employment, Residual income over $3,000.00, Debt ratio over 10% below program maximum, 10 years in the same occupation, No credit events in the past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, and LTV 10% program maximum.  2026-06-25 19:43 Waived 2 2 2 2
107     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9956650 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-26 15:14 Cleared 1 1 3 1
107     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9956652 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-26 15:14 Cleared 1 1 3 1
107     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9959249 3 of 3 xx/xx/xxxx Compliance Missing Doc - Affiliated Business Disclosure/Missing Required Affiliated Business Disclosure missing Privacy Notice Disclosure listed Affiliates.  



   We only send the Affiliated Business Disclosure to loan in xxxxx, this is only applicable to xxxxx  loans.
 -  xx/xx/xxxx

 Loan is not in xxxxx  -  xx/xx/xxxx

   2026-06-30 14:43 Resolved 3 1 3 1
68     xx/xx/xxxx xxxxx xxxxx xx Second Home Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9845803 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-19 17:14 Cleared 1 1 3 1
68     xx/xx/xxxx xxxxx xxxxx xx Second Home Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9845897 2 of 3 xx/xx/xxxx Credit Credit Documentation - Undisclosed Liabilities An undisclosed liability was found on the updated credit report that was not located on the original credit report. This is a full document Foreign National loan on a 2nd home. The file includes an electric bill with a conversion of approximately  xxxxx ability. Missing the documentation of the any other liabilities associated with the primary  xxxxx or an LOX showing none.



  Document Uploaded. As long as no expenses are declared on the 1003 for the primary property, the xxxxx team is not required to request a Letter of Explanation (LOX) or supporting documentation regarding the primary property expenses.
Please see the guideline below for reference. -  xx/xx/xxxx
 Document Uploaded. The initial 1003 provided does not indicate any housing expense for the current residence at  xxxxx . Hence, no document required to verify the obligation associated with the property
Per original credit report receive there are no debts present. Hence, no soft pull or any credit refresh was requested.
 -  xx/xx/xxxx
 AD team is not requiring seller to request a Letter of Explanation (LOX) or supporting documentation regarding the primary property expenses. -  xx/xx/xxxx
Condition remains, missing the documentation of the any other liabilities associated with the primary  xxxxx or an LOX showing no other obligations for this property. -  xx/xx/xxxx
   2026-07-07 19:33 Resolved 3 1 3 1
68     xx/xx/xxxx xxxxx xxxxx xx Second Home Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9847501 3 of 3 xx/xx/xxxx Compliance Federal - Loan Estimate Received At Least Four Business Days Before Consummation A revised Loan Estimate was provided on (xx/xx/xxxx) via (ElectronicDelivery). Under Regulation Z, a consumer must receive a revised Loan Estimate not later than four business days prior to consummation date of  (xx/xx/xxxx). Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it on (xx/xx/xxxx), which is three business days after it was delivered or placed in the mail. As a result, the revised Loan Estimate is not deemed to have been received at least four business days before consummation, which is (xx/xx/xxxx). (xxxxx) Missing proof the borrower received the Revised LE dated  xx/xx/xxxx no later than four business days prior to consummation date of xx/xx/xxxx.

  Document Uploaded. please see attached -  xx/xx/xxxx

 Received electronic delivery of the LE -  xx/xx/xxxx

   2026-07-06 18:00 Resolved 3 1 3 1
109     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9945960 1 of 3 xx/xx/xxxx Credit Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). A gap report within 10 days of closing could not be found in the loan documents.



  Document Uploaded. Good morning,
The reference shows the updated credit report having fico 744.
We have xxxxx activated with Credit date  xx/xx/xxxx. Hence No Gap report is required.
 -  xx/xx/xxxx

 Document Uploaded. Please see attached -  xx/xx/xxxx

 xxxxx provided. Condition resolved. -  xx/xx/xxxx
Condition upheld. GAP CR provided is dated xx/xx/xxx. Closing date is xx/xx/xxxx -  xx/xx/xxxx
   2026-06-30 21:40 Resolved 3 1 3 1
109     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9947065 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-25 23:02 Cleared 1 1 3 1
109     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9954318 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-26 12:45 Cleared 1 1 3 1
60     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9796424 1 of 5 xx/xx/xxxx Credit Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date).

  Document Uploaded. Good morning,

This report should be valid till xx/xx/xxxx -  xx/xx/xxxx

 GAP CR provided. Condition resolved. -  xx/xx/xxxx

   2026-06-19 16:36 Resolved 3 1 3 1
60     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9799224 2 of 5 xx/xx/xxxx Credit Approval/Underwriting Summary Not Provided The loan did not contain the Approval/Underwriting Summary. Provide Approval/Underwriting Summary



  Document Uploaded. Please see attached -  xx/xx/xxxx

 Approval/Underwriting Summary provided. Condition resolved. -  xx/xx/xxxx

   2026-06-19 16:49 Resolved 3 1 3 1
60     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9800187 3 of 5 xx/xx/xxxx Credit Liabilities - REO The loan file did not contain sufficient documentation to verify debts associated with all other properties. Provide Taxes and HOI for xxxxx

  Document Uploaded. Please see attached -  xx/xx/xxxx

 Docs provided. Condition resolved. -  xx/xx/xxxx

   2026-06-19 16:52 Resolved 3 1 3 1
60     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9813768 4 of 5 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-18 11:15 Cleared 1 1 3 1
60     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9816756 5 of 5 xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

        2026-06-18 13:34 Cleared 1 1 3 1
58     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9819933 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-18 15:10 Cleared 1 1 1 1
58     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9822814 2 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-18 16:34 Cleared 1 1 1 1
58     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9826533 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-18 18:33 Cleared 1 1 1 1
79     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9859750 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2026-06-22 11:03 Cleared 1 1 1 1
79     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9863847 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-22 14:51 Cleared 1 1 1 1
79     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9863856 3 of 3 xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

        2026-06-22 14:52 Cleared 1 1 1 1
99     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9899755 1 of 3 xx/xx/xxxx Credit Hazard Insurance Policy is Missing Missing hazard insurance policy. Missing the Declarations page from  xxxxx  for the hazard insurance policy on the subject property.   

   Document Uploaded. Please see attached insurance policy for subject property.  Please note, xxxxx is the insurer, and  xxxxx  is the agent of record on the policy. -  xx/xx/xxxx
 Hazard Insurance Policy provided. Condition resolved. -  xx/xx/xxxx

   2026-06-25 21:59 Resolved 3 1 3 1
99     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9900775 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-23 21:13 Cleared 1 1 3 1
99     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9900782 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-23 21:14 Cleared 1 1 3 1
153     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10153349 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-07-09 15:58 Cleared 1 1 1 1
153     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10153365 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-07-09 15:58 Cleared 1 1 1 1
153     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10155448 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-07-09 16:55 Cleared 1 1 1 1
88     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9893055 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-23 16:38 Cleared 1 1 1 1
88     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9893056 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-23 16:38 Cleared 1 1 1 1
88     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9896658 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-23 18:20 Cleared 1 1 1 1
115     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10000630 1 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-30 14:04 Cleared 1 1 1 1
115     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10003781 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-30 16:17 Cleared 1 1 1 1
115     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10003790 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-30 16:17 Cleared 1 1 1 1
85     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9894463 1 of 3 xx/xx/xxxx Property Property Issue - Listed for Sale Past 6 months The subject property has been listed for sale in the past 6 months which is not allowed per guidelines.  Approved exception present in file for property had been listed for sale.  



       Compensating factors used were Fico above minimum by more than 20 points, LTV 63% max 80%, Employment stability, and Reserves greater than 3 months.  2026-06-23 21:32 Waived 2 2 2 2
85     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9894530 2 of 3 xx/xx/xxxx Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines. Approved exception present in file for number of NSF on bank statement loan.



      Compensating factors used were Fico above minimum by more than 20 points, LTV 63% max 80%, Employment stability, and Reserves greater than 3 months.  2026-06-23 21:32 Waived 2 2 2 2
85     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9900148 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-23 20:36 Cleared 1 1 2 2
119     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9986638 1 of 3 xx/xx/xxxx Credit Hazard Insurance Coverage Amount is less than Required Coverage Amount Coverage Amount - Hazard insurance amount is less than required coverage amount. Loan amount is  xxxxx  and insurance coverage is only  xxxxx .



  Document Uploaded. The policy provides replacement cost coverage of the insured property subject to policy limits, endorsements, and underwriting. -  xx/xx/xxxx

 Hazard policy provided with RC amount. Condition resolved. -  xx/xx/xxxx

   2026-07-01 16:02 Resolved 3 1 3 1
119     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9986784 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-29 20:19 Cleared 1 1 3 1
119     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9988289 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-29 21:49 Cleared 1 1 3 1
118     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) 10004371 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-30 16:44 Cleared 1 1 1 1
118     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) 10004376 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-30 16:44 Cleared 1 1 1 1
118     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) 10007012 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-30 18:47 Cleared 1 1 1 1
80     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9830493 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-18 20:37 Cleared 1 1 1 1
80     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9830654 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-18 20:42 Cleared 1 1 1 1
80     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9842278 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2026-06-19 13:40 Cleared 1 1 1 1
100     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9898739 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-23 19:34 Cleared 1 1 3 1
100     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9898772 2 of 3 xx/xx/xxxx Credit Liabilities - REO The loan file did not contain sufficient documentation to verify debts associated with all other properties. Documentation for the PITIA is missing for the property at  xxxxx . The 1003 reflects a mortgage with xxxxx with a monthly payment of  xxxxx . There is a lease in the file at page 730 that reflects monthly rent in the amount of  xxxxx  There is a draft of a CD in the file for this property at page 392 that reflects a closing date of xx/xx/xxxx and disbursement on xx/xx/xxxx; it does not reflect any P&I or escrow figures. Need complete documentation of all PITIA elements so an accurate net rental figure can be calculated.

  The hazard insurance provided is for  xxxxx -please refer to page 1 of uploaded policy section"DESCRIBED LOCATION - The Described Location covered by this policy is at the above address unless otherwise stated:
 xxxxx  xxxxx , xxxxx  xxxxx" -  xx/xx/xxxx
 Document Uploaded. Please review uploaded insurance,taxes and 1008 for REO   xxxxx .The file is not closed yet,we do not have the final Signed CD.  -  xx/xx/xxxx
 REO docs provided. Condition resolved. -  xx/xx/xxxx
Condition upheld. Hazard insurance provided is not for  xxxxx . -  xx/xx/xxxx
   2026-06-28 16:36 Resolved 3 1 3 1
100     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9912304 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-24 14:10 Cleared 1 1 3 1
123     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10025496 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-07-01 16:43 Cleared 1 1 1 1
123     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10025501 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-07-01 16:43 Cleared 1 1 1 1
123     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10031317 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-07-01 21:57 Cleared 1 1 1 1
72     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9848111 1 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-19 19:45 Cleared 1 1 1 1
72     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9849511 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-19 22:18 Cleared 1 1 1 1
72     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9849513 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-19 22:18 Cleared 1 1 1 1
92     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9915399 1 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-24 15:40 Cleared 1 1 3 2
92     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9915480 2 of 4 xx/xx/xxxx Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines. An approved exception is present in file for tradeline requirement. Page 630



      In accordance with the guidelines, there is a maximum tradeline requirement of 3 for the past 12 months or 2 for the past 24 months. Per the credit report, borrower has 2 FICO and only 1 active within 24 months is
xxxxx. There is an exception on the file page 630 with 3 compensating factors:  Residual income >=3000$, No credit events past 40 months, No mortgage late payments in the last 24 months.		 2026-06-24 18:36 Waived 2 2 3 2
92     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9916666 3 of 4 xx/xx/xxxx Compliance Missing Doc - Affiliated Business Disclosure/Missing Required Affiliated Business Disclosure missing Affiliated Business Disclosure reflecting xxxxx Title as an affiliate to the lender is missing from the file



  Document Uploaded. Please see the Loan Brokerage Agreement. -  xx/xx/xxxx

 Affiliate not used -  xx/xx/xxxx

   2026-06-26 17:38 Resolved 3 1 3 2
92     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9936323 4 of 4 xx/xx/xxxx Credit Eligibility - Borrower Identity The loan file reflected potential identity issues. 1003 indicates Borrower is Non-Permanent Resident Alien.  Missing evidence of Borrower's lawful residency status in the xx.  

   Document Uploaded. Borrower is ITIN holder, with SSNs beginning with “x". ITIN letter and valid Driver license for borrower for identity documentation in file as per guidelines. -  xx/xx/xxxx
 Document Uploaded. Please see the ITIN Letter. -  xx/xx/xxxx
 ITIN letter and DL provided. Condition resolved. -  xx/xx/xxxx

Condition upheld. ITIN letter provided and is in file. Provide Non-Permanent Resident Alien I.D. -  xx/xx/xxxx

   2026-06-30 13:38 Resolved 3 1 3 2
78     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9848534 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-19 20:19 Cleared 1 1 1 1
78     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9848536 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-19 20:19 Cleared 1 1 1 1
78     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9849510 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-19 22:18 Cleared 1 1 1 1
130     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10026938 1 of 4 xx/xx/xxxx Credit Program Parameters - Occupancy The subject loan does not meet program parameters for occupancy. The subject is a cash out of a primary residence.  Per 1003 the borrower does not intend to occupy.  Additionally, the borrowr's present address is listed as different that the subject  and as "No primary housing expense" at xxxx  xxxxx .

  Document Uploaded. Please see attached -  xx/xx/xxxx

 LOE from Borrower was provided.  Condition reolved. -  xx/xx/xxxx

   2026-07-07 20:18 Resolved 3 1 4 2
130     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10028837 2 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-07-01 19:29 Cleared 1 1 4 2
130     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10029365 3 of 4 xx/xx/xxxx Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines. The borrower is self employed and owns less than 25% of his business.  A Formal Exception was done to allow.  



       10 years or more in the same line of employment, No credit events past 40 months, 5+ years credit history 2026-07-02 15:57 Waived 2 2 4 2
130     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10041437 4 of 4 xx/xx/xxxx Compliance Missing Mortgage HOME EQUITY LINE OF CREDIT  WITH xxxxx NOT ATTACHED TO ANY PROPERTY.
  Document Uploaded. HELOC is not associated with borrower -  xx/xx/xxxx

 Loan file contains evidence the HELOC was paid off and closed.  Property:    xxxxx -  xx/xx/xxxx
   2026-07-08 14:20 Resolved 4 1 4 2
52     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9794313 1 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-17 16:19 Cleared 1 1 3 1
52     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9796311 2 of 4 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-17 17:51 Cleared 1 1 3 1
52     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9802174 3 of 4 xx/xx/xxxx Credit Citizenship Documentation Not Provided Borrower 1 Citizenship Documentation is missing from the file. Missing copy of borrower's unexpired Visa. Country of origin does not participate in the Visa Waiver program.  



   Document Uploaded. please see the attached files -  xx/xx/xxxx
 Document Uploaded. Borrowers are ITIN holders, with SSNs beginning with “xx.”

ITIN letters and valid international passports for both borrowers for identity documentation in file as per guidelines. -  xx/xx/xxxx
 Borrower 1 Citizenship Documentation Provided or Not Required -  xx/xx/xxxx

ITIN letter provided. Condition resolved. -  xx/xx/xxxx

Condition upheld. Could not locate ITIN letter in file. Provide ITIN letter. -  xx/xx/xxxx

   2026-06-24 21:57 Resolved 3 1 3 1
52     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9802191 4 of 4 xx/xx/xxxx Credit Borrower 2 Citizenship Documentation Not Provided Borrower 2 Citizenship Documentation is missing. Missing copy of borrower's unexpired Visa. Country of origin does not participate in the Visa Waiver program.  



   Document Uploaded. Borrowers are ITIN holders, with SSNs beginning with “x”

ITIN letters and valid international passports for both borrowers for identity documentation in file as per guidelines. -  xx/xx/xxxx
 Borrower 2 Citizenship Documentation Provided or Not Required -  xx/xx/xxxx

Doc provided. Passport in file page 657. Condition resolved. -  xx/xx/xxxx

   2026-06-24 21:57 Resolved 3 1 3 1
91     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9900439 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-23 20:53 Cleared 1 1 1 1
91     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9900613 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-23 21:01 Cleared 1 1 1 1
91     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9913537 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-24 15:02 Cleared 1 1 1 1
124     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) 10002098 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-30 15:07 Cleared 1 1 1 1
124     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) 9986591 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-29 20:02 Cleared 1 1 1 1
124     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) 9988551 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-29 22:19 Cleared 1 1 1 1
111     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt 9981813 1 of 3 xx/xx/xxxx Property Subject property appraisal is not on an as-is basis (Primary Value) Primary value subject property appraisal is not on an as-is basis.

  Good morning,

The appraisal is subject to the installation of smoke/CO detectors. The borrower provided an attestation letter that meets all requirements. Please note that the absence of smoke and CO detectors is considered a minor issue, and attestation letter is acceptable -  xx/xx/xxxx

 Document Uploaded. Please see attached -  xx/xx/xxxx

 A signed attestation from Borrower with pictures was provided showing the smoke detectors were installed. Condition resolved. -  xx/xx/xxxx

Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable -  xx/xx/xxxx

Condition upheld. Provided 1004D. -  xx/xx/xxxx

   2026-07-02 15:46 Resolved 3 1 3 1
111     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt 9982238 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-29 16:55 Cleared 1 1 3 1
111     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt 9982245 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2026-06-29 16:56 Cleared 1 1 3 1
43     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9297425 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-05-20 13:21 Cleared 1 1 3 1
43     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9304586 2 of 3 xx/xx/xxxx Compliance Right to Rescind - ROR - Non-Borrower/Missing Non-borrower title holder did not receive Right of Rescission form.

  Document Uploaded.  -  xx/xx/xxxx

 Non-Borrower Title Holder Received Right of Rescission Form -  xx/xx/xxxx

Received RTC for the non-borrower -  xx/xx/xxxx

   2026-05-27 15:32 Resolved 3 1 3 1
43     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9307633 3 of 3 xx/xx/xxxx Credit Borrower 1 Personal Bank Statements Missing Borrower 1 personal bank statements missing. Did not locate exception in file. Loan approved/qualified with 70.52% LTV.
Per guidelines-6.6.9. PROFIT AND LOSS STATEMENT PROGRAMS P&L FOR LAST 12 MONTHS For loans with CLTV greater than 70%, 2 months of consecutive personal or business bank statements, the most recent statement dated within 120 days of the note date are required for the business/businesses being used for P&L qualification purposes. Total deposits reflected on the bank statements, minus any inconsistent deposits or deposits unrelated to business activity, must support at least 75% of the gross income reflected on the P&L. P&L period must be consistent with the bank statement period. If bank statements do not support the income reported on the P&L statement, the underwriter has the right to request additional months of bank statements to verify the income reported on the P&L.

  xxxx guidelines: The financed points will not raise the CLTV for pricing purposes and eligibility criteria. The pricing and eligibility will remain based upon the original base loan amount or CLTV without financing of points. CLTV without financed points is 69%. BS are not required -  xx/xx/xxxx
 Document Uploaded. They are financing points, it does not increase the CLTV for pricing purposes and eligibility criteria. BS should not be required -  xx/xx/xxxx
 Bank statement per lender not required. 2.6.1 guidelines: The financed points will not raise the CLTV for pricing purposes and eligibility criteria. The pricing and eligibility will remain based upon the original base loan amount or CLTV without financing of points. CLTV without financed points is 69%. -  xx/xx/xxxx

Condition upheld. Lock confirmation provided. Per guidelines condition stands. 2 months consecutive bank statements required. It should be further noted that xxxxx Mortgage post-closed audit in loan file states 2 months consecutive bank statements are required. Including financing points in the loan amount does not negate the fact that the CLTV is over 70%. -  xx/xx/xxxx

   2026-05-27 20:04 Resolved 3 1 3 1
57     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9818148 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-18 14:22 Cleared 1 1 3 1
57     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9818275 2 of 3 xx/xx/xxxx Credit Program Parameters - Occupancy The subject loan does not meet program parameters for occupancy. The borrowers are purchasing subject as a primary residence in the state of Texas.  They currently reside and work in the state of  xxxxx .  Neither LOX in file address this issue.  



   There is no such requiremnt in GL that for primary purchas ein another state we need LOX. Since both borrowers are SE they can work from any place/state. -  xx/xx/xxxx

 Document Uploaded. Both borrowers are SE and purchasing primary in another state. -  xx/xx/xxxx

 Guidelines used  xx/xx/xxxx do not require LOE. Condition resolved. -  xx/xx/xxxx
Condition upheld. LOE provided does  not pertain to the condition. The borrowers are purchasing subject as a primary residence in the state of Texas. They currently reside and work in the state of  xxxxx . Neither LOX in file address this issue. Provide LOE. -  xx/xx/xxxx
   2026-06-23 12:50 Resolved 3 1 3 1
57     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9824144 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-18 17:13 Cleared 1 1 3 1
94     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9938487 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-25 15:46 Cleared 1 1 2 2
94     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9938639 2 of 3 xx/xx/xxxx Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines. Spouse is on Bank Statement  but not on the loan.  



   Residual income >=3000 xxxxx >=10% lower than loan program, No credit events past 40 months, 5+ years credit history, No consumer late
payments in the last 24 months, LTV 10% below maximum. -  xx/xx/xxxx

 



     2026-06-25 15:52 Waived 2 2 2 2
94     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9941657 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-25 18:28 Cleared 1 1 2 2
95     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10028279 1 of 6 xx/xx/xxxx Credit Audited FICO is less than Guideline FICO Audited FICO is less than guideline FICO.

    Audited FICO of 665 is greater than or equal to Guideline FICO of 660 -  xx/xx/xxxx

   2026-07-02 13:54 Resolved 3 1 3 2
95     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10028280 2 of 6 xx/xx/xxxx Credit Audited Reserves are less than Guideline Required Reserves (Number of Months) Audited reserves months are less than the guideline required reserve months. Audited reserves months are less than the guideline required reserve months.



    Audited Reserves of 5.88 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) -  xx/xx/xxxx

Audited Reserves of  month(s) are greater than or equal to Guideline Required Reserves of  month(s) -  xx/xx/xxxx

Audited Reserves of  month(s) are greater than or equal to Guideline Required Reserves of  month(s) -  xx/xx/xxxx

   2026-07-02 13:54 Resolved 3 1 3 2
95     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9927195 3 of 6 xx/xx/xxxx Credit Bwr1 Income - Personal Bank Statements Less than 12 Months The loan file did not contain 12 months of the borrower's personal bank statements as required. Exception form from the lender concerning the borrower using two accounts and one account doesn't have a full 12 month history of deposits. Exception given by lender because the borrower has 5 yrs on his current job with 5 yrs of positive credit history. The borrower also had no credit issues in the last 40 months.  



       Borrower has 5 yrs on his current job with 5 yrs of positive credit history. The borrower also had no credit issues in the last 40 months.  2026-06-26 14:02 Waived 2 2 3 2
95     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9927261 4 of 6 xx/xx/xxxx Credit Assets - Bank Statements/Average Balances The average balances on the bank statements do not support the existing balance on the VOD. Lender has an exception for 3 large deposits for the bank account that does not have a full 12 month history of deposits. Lender allowed the large deposits because of the following compensating factors: the borrower has 5 yrs on his current job and also has 5 yrs of positive credit history. The borrower also has no credit issues in the last 40 months



      Compensating factors: the borrower has 5 yrs on his current job and also has 5 yrs of positive credit history. The borrower also has no credit issues in the last 40 months 2026-06-26 14:01 Waived 2 2 3 2
95     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9927274 5 of 6 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-25 01:03 Cleared 1 1 3 2
95     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9932976 6 of 6 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-25 12:28 Cleared 1 1 3 2
98     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9944409 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-25 20:42 Cleared 1 1 3 1
98     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9944417 2 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-25 20:42 Cleared 1 1 3 1
98     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9945366 3 of 3 xx/xx/xxxx Credit Liabilities - REO The loan file did not contain sufficient documentation to verify debts associated with all other properties. The file is missing tax and insurance documentation for Borrower 2's REO property located at xxxxx.

  Document Uploaded. Please see attached -  xx/xx/xxxx

 HOA dues provided. Condition resolved. -  xx/xx/xxxx

   2026-06-29 18:02 Resolved 3 1 3 1
144     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10079400 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-07-06 21:29 Cleared 1 1 2 2
144     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10079431 2 of 3 xx/xx/xxxx Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines. Approved exception is present for cash out refinance to non permanent resident.  



       No credit events in past 40 months, credit score is greater than 40 points over guideline minimum.  2026-07-07 14:34 Waived 2 2 2 2
144     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10090954 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-07-07 11:48 Cleared 1 1 2 2
121     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10006441 1 of 3 xx/xx/xxxx Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines. Borrower 's income is being documented with 12 month business bank statements.  Guidleines allow only 3 NSF/Overdraft transactions.  THe bank statements reflect 18.  A Formal Exception was done to allow.



      Compensating factors used were 5 years on current job, DTI >=10% lower than loan program, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required 2026-06-30 23:53 Waived 2 2 2 2
121     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10007464 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-30 19:07 Cleared 1 1 2 2
121     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10009668 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-30 21:16 Cleared 1 1 2 2
90     xx/xx/xxxx xxxxx xxxxx xx Second Home Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9938398 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-25 15:41 Cleared 1 1 3 1
90     xx/xx/xxxx xxxxx xxxxx xx Second Home Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9940716 2 of 3 xx/xx/xxxx Compliance Missing Doc - Affiliated Business Disclosure/Missing Required Affiliated Business Disclosure missing Privacy Notice Disclosure listed Affiliates.  



   We only send the Affiliated Business Disclosure to loan in xxxxx, this is only applicable to xxxxx  loans. -  xx/xx/xxxx

 Only affiliated in xxxxx  -  xx/xx/xxxx

   2026-06-29 16:43 Resolved 3 1 3 1
90     xx/xx/xxxx xxxxx xxxxx xx Second Home Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9944554 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-25 20:52 Cleared 1 1 3 1
148     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt 10101149 1 of 3 xx/xx/xxxx Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines. Borrowers EAD cards are expired and proceeding as Foreign National loan per exception in file.



      No credit events past 40 months, No mortgage late payments in the last 24 months, Borrower contribution exceeds requirement >=5% 2026-07-07 23:36 Waived 2 2 2 2
148     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt 10101153 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2026-07-07 18:00 Cleared 1 1 2 2
148     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt 10101162 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-07-07 18:01 Cleared 1 1 2 2
96     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9946913 1 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-25 22:54 Cleared 1 1 1 1
96     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9946959 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-25 22:54 Cleared 1 1 1 1
96     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9947053 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-25 22:56 Cleared 1 1 1 1
114     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9985386 1 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-29 19:05 Cleared 1 1 3 2
114     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9987260 2 of 4 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-29 20:47 Cleared 1 1 3 2
114     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9989893 3 of 4 xx/xx/xxxx Credit Missing VOM or VOR Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Please provide VOR for the departing residence at  xxxxx , xxxxx  xxxx showing proof of residence for the past 2 years iao 2,000 a month

  Good morning,
The borrower is the first-time homebuyer, and we don't require VOR for previous rental primary, if the borrower purchasing a new primary. -  xx/xx/xxxx

 Borrower is the first-time homebuyer VOR not required. Condition resolved. -  xx/xx/xxxx

   2026-06-30 21:44 Resolved 3 1 3 2
114     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9990520 4 of 4 xx/xx/xxxx Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines. 2 Open litigation and Borrower's minimum contribution (5%) is not met. Exception is located on page 762 and 763



      In accordance with the guidelines, an exception is necessary due to the ongoing litigation and the borrower's minimum contribution (5%) is not met. The lender has provided an exception located on page 762 & 763 with 4 compensating factors of the following: Revolving debt is under 30%, DTI >=10% lower than loan program, No credit events past 40 months, No consumer late payments in the last 24 months, Credit score >40 points than minimum required.  2026-06-29 23:59 Waived 2 2 3 2
143     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10030195 1 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-07-01 20:44 Cleared 1 1 1 1
143     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10030197 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-07-01 20:44 Cleared 1 1 1 1
143     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10030198 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-07-01 20:44 Cleared 1 1 1 1
86     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9898629 1 of 3 xx/xx/xxxx Credit Audited DTI Exceeds Guideline DTI Audited DTI exceeds guideline DTI. The file reflects that the second-home mortgage payment is being made by another individual. However, the borrower's credit report and the second-home mortgage statement both indicate that the borrower is responsible for the payment. There is no letter of explanation in the file. There is a single bank statement in the other person's name showing the mortgage payment and HOA dues were paid out of the account, which is not sufficient to exclude the debt.



  Document Uploaded. Payment history uploaded again that corresponds with the mortgage reporting on credit. -  xx/xx/xxxx

 Document Uploaded. Payment history uploaded that corresponds with the mortgage reporting on credit. -  xx/xx/xxxx

 Audited DTI of 36.15% is less than or equal to Guideline DTI of 50% -  xx/xx/xxxx

Evidence provided showing 2nd home is paid by other. Evidence provided was 14+ bank statement history. Condition resolved. -  xx/xx/xxxx

Audited DTI of 35.69% is less than or equal to Guideline DTI of 50% -  xx/xx/xxxx

Condition upheld. Doc # 2 won't open.  -  xx/xx/xxxx

   2026-07-15 18:56 Resolved 3 1 3 1
86     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9898637 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-23 19:26 Cleared 1 1 3 1
86     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9900330 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-23 20:42 Cleared 1 1 3 1
93     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9916367 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-24 16:20 Cleared 1 1 1 1
93     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9922917 2 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-24 20:18 Cleared 1 1 1 1
93     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9923682 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-24 21:00 Cleared 1 1 1 1
63     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9848926 1 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-19 20:53 Cleared 1 1 3 1
63     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9849741 2 of 3 xx/xx/xxxx Credit Approval/Underwriting Summary Not Provided The loan did not contain the Approval/Underwriting Summary. The Approval/Underwriting Summary in the file is for a different borrower and property address and does not correspond to the subject loan.
 



   Document Uploaded.  -  xx/xx/xxxx

 Approval/Underwriting Summary is fully present -  xx/xx/xxxx

Approval/Underwriting Summary provided. Condition resolved. -  xx/xx/xxxx

   2026-07-17 17:32 Resolved 3 1 3 1
63     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9863941 3 of 3 xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

        2026-06-22 14:55 Cleared 1 1 3 1
73     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9847048 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-19 18:29 Cleared 1 1 1 1
73     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9847051 2 of 3 xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.

        2026-06-19 18:29 Cleared 1 1 1 1
73     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9848601 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-19 20:21 Cleared 1 1 1 1
74     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9847091 1 of 3 xx/xx/xxxx Credit Missing VOM or VOR Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The file is missing at least 11 months of VOR with only the xxxxx xxxx payment showing on that month's bank statement.

  The Borrower is purchasing a new primary with this transaction and will move in new primary and will not pay rent for current  xxxxx , so this expense will not be in their debt and we don't require primary rent VOR. -  xx/xx/xxxx

 The subject transaction is a owner occupied purchase current rental would have not been retained so no VOR would be required.  -  xx/xx/xxxx

 Borrower meets minimum tradeline requirement per guidelines.  VOR not required. -  xx/xx/xxxx
Condition upheld. The file is missing at least 11 months of VOR with only the xxxx xxxx payment showing on that month's bank statement. Provide VOM for rental at current address  xxxxx . -  xx/xx/xxxx
   2026-06-26 12:07 Resolved 3 1 3 1
74     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9847457 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-19 19:00 Cleared 1 1 3 1
74     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9866502 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-22 16:13 Cleared 1 1 3 1
102     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9941407 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-25 18:17 Cleared 1 1 1 1
102     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9941410 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-25 18:18 Cleared 1 1 1 1
102     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9944681 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-25 20:54 Cleared 1 1 1 1
125     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10024474 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-07-01 15:45 Cleared 1 1 1 1
125     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10024475 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-07-01 15:45 Cleared 1 1 1 1
125     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10025602 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-07-01 16:51 Cleared 1 1 1 1
53     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9795533 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-17 17:17 Cleared 1 1 1 1
53     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9795534 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-17 17:17 Cleared 1 1 1 1
53     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9797581 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-17 19:11 Cleared 1 1 1 1
76     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9850966 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-20 17:44 Cleared 1 1 3 1
76     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9865485 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-22 15:42 Cleared 1 1 3 1
76     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9865837 3 of 3 xx/xx/xxxx Compliance Missing Doc - Affiliated Business Disclosure/Missing Required Affiliated Business Disclosure missing Affiliated Business Disclosure reflecting xxxxx Title as an affiliate is missing from the file



  Document Uploaded. Please see the Loan Brokerage disclosure statement. -  xx/xx/xxxx

 Affiliates only in xxxxx  -  xx/xx/xxxx

Required Affiliated Business Disclosure missing -  xx/xx/xxxx

   2026-06-23 17:11 Resolved 3 1 3 1
112     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9983960 1 of 2 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-29 18:04 Cleared 1 1 3 1
112     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9986261 2 of 2 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-29 19:42 Cleared 1 1 3 1
127     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt 10004726 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2026-06-30 17:02 Cleared 1 1 1 1
127     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt 10004728 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-30 17:02 Cleared 1 1 1 1
127     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt 10004731 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-30 17:02 Cleared 1 1 1 1
145     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10075153 1 of 5 xx/xx/xxxx Credit Cash Deposit Loan purpose is purchase, confirm if cash deposit has cleared account. Missing evidence that EMD of  xxxxx leared borrowers account



  Document Uploaded. Confirmed -  xx/xx/xxxx

 Loan purpose is purchase, confirm if cash deposit has cleared account. -  xx/xx/xxxx

Loan purpose is purchase, confirm if cash deposit has cleared account. Per Seller, EMD is not verified.  Borrower has sufficient funds to cover. -  xx/xx/xxxx

   2026-07-09 16:20 Resolved 3 1 3 1
145     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10075332 2 of 5 xx/xx/xxxx Credit Condo - HOA Dues The file does not contain documentation supporting the HOA/Condo dues. Missing HOA dues for departing residence  



   Document Uploaded. Please see attached -  xx/xx/xxxx

 Evidence of HOA was provided.  Condition resolved. -  xx/xx/xxxx

   2026-07-09 16:19 Resolved 3 1 3 1
145     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10075353 3 of 5 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-07-06 17:23 Cleared 1 1 3 1
145     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10075356 4 of 5 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-07-06 17:24 Cleared 1 1 3 1
145     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10080150 5 of 5 xx/xx/xxxx Credit Evidence of Property Tax Missing Missing evidence of property tax. Property cert is located in the file however does not provide the total taxes for the subject property. Taxes for the subject property is also not listed in the title.



  Document Uploaded. Please see attached -  xx/xx/xxxx

 Transaction Details were provided.  Condition resolved. -  xx/xx/xxxx

Evidence of property tax is present -  xx/xx/xxxx

   2026-07-09 16:17 Resolved 3 1 3 1
128     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10029461 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-07-01 20:03 Cleared 1 1 1 1
128     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10030560 2 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-07-01 21:10 Cleared 1 1 1 1
128     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10032563 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-07-02 01:02 Cleared 1 1 1 1
70     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9847050 1 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-19 18:29 Cleared 1 1 1 1
70     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9847052 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-19 18:29 Cleared 1 1 1 1
70     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9849098 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-19 21:17 Cleared 1 1 1 1
89     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9923919 1 of 4 xx/xx/xxxx Credit Audited Loan Amount is less than Guideline Minimum Loan Amount Audited loan amount is less than the guideline Minimum loan amount. Per guidelines minimum loan amount is  xxxxx . Subject loan amount  xxxxx . A formal exception is on file.  



   Exception conditions noted were maximum 75% LTV and DSCR score over 1.0.  -  xx/xx/xxxx

 



 Received exception approval; loan amount  xxxxx  80% LTV based on loan pricing sheet  -  xx/xx/xxxx

Condition upheld. Exception in file for loan amount less than guideline minimum states LTV is 75%. Provide corrected exception for loan amount less than minimum with correct LTV/CLTV of 80%. -  xx/xx/xxxx

 Compensating factors used were The Borrower has no credit events past 40 months, There are no mortgage late payments in the last 24 months, and The Borrower contribution exceeds requirement >=5%.  2026-07-01 15:28 Waived 2 2 3 2
89     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9924557 2 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2026-06-24 22:43 Cleared 1 1 3 2
89     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9924574 3 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-24 22:45 Cleared 1 1 3 2
89     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9924619 4 of 4 xx/xx/xxxx Credit Audited LTV Exceeds Guideline LTV Audited LTV exceeds guideline LTV. The loan was closed with an 80% LTV, when loan amount exception was approved with condition of 75% LTV maximum.  CONDITION ON HOLD until corrected exception for loan amount is provided.





  Document Uploaded. The attached approved Exception for the xxxxx does not require 75% LTV maximum. -  xx/xx/xxxx

 Document Uploaded. Please see the lates version of Exception, DSCR>1 is required. -  xx/xx/xxxx

 Received exception approval; loan amount  xxxxx  80% LTV based on loan pricing sheet -  xx/xx/xxxx

Audited LTV of 80% is less than or equal to Guideline LTV of 80% -  xx/xx/xxxx

Condition upheld. Exception approval provided is not addressing the condition. Audited LTV exceeds guideline LTV. The loan was closed with an 80% LTV, when loan amount exception was approved with condition of 75% LTV maximum. -  xx/xx/xxxx

 No credit events past 40 months; no mortgage late payments in the last 24 months, borrower contribution exceeds requirement >=5% 2026-07-01 15:26 Waived 3 2 3 2
142     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10029195 1 of 7 xx/xx/xxxx Credit Title Document Missing Title document is missing.

  Document Uploaded. Please see attached title document. -  xx/xx/xxxx

 Prelim Commitment provided.  Condition resolved. -  xx/xx/xxxx

Title document is fully present -  xx/xx/xxxx

   2026-07-07 19:59 Resolved 3 1 4 1
142     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10029375 2 of 7 xx/xx/xxxx Credit Flood Certificate Missing Missing xxxxx ood certificate.

  Document Uploaded. Please see attached xxxxx ood cert. -  xx/xx/xxxx

 Flood Cert provided.  Condition resolved. -  xx/xx/xxxx

Flood Certificate is fully present -  xx/xx/xxxx

   2026-07-07 20:02 Resolved 4 1 4 1
142     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10030240 3 of 7 xx/xx/xxxx Credit Approval - Lender Income Calculation Missing The loan file did not contain the lender income calculation worksheet as required. Please provide income worksheet for xxxxx

  Document Uploaded. Please see attached income calculation. -  xx/xx/xxxx

 Bank Statement Calculation worksheet was provided.  Condition resolved. -  xx/xx/xxxx

   2026-07-07 20:05 Resolved 3 1 4 1
142     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10030250 4 of 7 xx/xx/xxxx Compliance Missing evidence of rate lock Missing evidence of Rate Lock. Please provide a copy of the lock confirmation



  Document Uploaded. Please see attached rate lock. -  xx/xx/xxxx

 Evidence of Rate Lock Provided -  xx/xx/xxxx

Received lock confirmation -  xx/xx/xxxx

   2026-07-07 15:56 Resolved 3 1 4 1
142     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10030252 5 of 7 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-07-01 20:49 Cleared 1 1 4 1
142     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10043015 6 of 7 xx/xx/xxxx Compliance Right to Rescind - Right of Rescission/Not Executed Right of Rescission is not executed.

  Document Uploaded. Please see attached right to cancels. -  xx/xx/xxxx

 Right of Rescission is Executed -  xx/xx/xxxx

Received executed RTC for both borrowers -  xx/xx/xxxx

   2026-07-07 15:56 Resolved 3 1 4 1
142     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10047653 7 of 7 xx/xx/xxxx Credit Housing History Does Not Meet Guideline Requirements Housing history does not meet guideline requirements. Borrower credit report shows 1x60 mortgage late reported xx/xxx. Per guidelines, Borrower cannot have mortgage lates within last 12 months prior to note date and 0x90  mortgage lates within last 24 months prior to note date. No exception is noted in file.

  Document Uploaded. Please see attached UW email.  Per UW "We do not care about 60 day lates on super prime loans." -  xx/xx/xxxx

 60 day lates are not part if the Seller Guidelines. Condition resolved. -  xx/xx/xxxx

Housing history meets guideline requirements. -  xx/xx/xxxx

   2026-07-07 19:55 Resolved 3 1 4 1
106     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9964207 1 of 3 xx/xx/xxxx Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines. Please note that there is an exception for Paystub dated no more than 30 days prior to application and containing at least 30 days YTD income is required.  



       Compensating factors no mortgage lates in the last 24 months, 5 plus years credit history, Credit score greater than 40 points. 2026-06-26 19:41 Waived 2 2 2 2
106     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9965689 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2026-06-26 20:49 Cleared 1 1 2 2
106     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9968932 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-26 23:14 Cleared 1 1 2 2
82     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) 9851446 1 of 4 xx/xx/xxxx Credit Title Document Missing Title document is missing. Missing the preliminary title report.  



   Document Uploaded. The original condition wa son missing preliminary title. The xx was uploaded xx/xx. xx uploaded as well -  xx/xx/xxxx
 Document Uploaded. Please review uploaded xx. -  xx/xx/xxxx
 Title documents provided. Condition resolved. -  xx/xx/xxxx

Condition upheld. Title provided. Provide Chain of Title/Warranty Deed. -  xx/xx/xxxx

   2026-06-25 15:12 Resolved 3 1 3 1
82     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) 9851470 2 of 4 xx/xx/xxxx Compliance Final CD: Calculating Cash to Close Adj. and Other Credits discrepancy The County Tax Lien to xxxxx County of  xxxxx .was incorrectly included in section H as a closing cost. This tax lien payoff should be in section K of the final CD as it is a payoff unrelated to the subject property.
 
   The payoff is related to tax lien that's why it's under section "Other" paid by borrower at closing" -  xx/xx/xxxx

 Tax lien on subject property -  xx/xx/xxxx

   2026-06-24 13:26 Resolved 3 1 3 1
82     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) 9867145 3 of 4 xx/xx/xxxx Compliance Missing Doc - Affiliated Business Disclosure/Missing Required Affiliated Business Disclosure missing Affiliated Business Disclosure reflecting xxxxx Title is an affiliate is missing from the file



  N/A -this is a wholesale loan  -  xx/xx/xxxx

 Only affiliate in xxxxx  -  xx/xx/xxxx

   2026-06-24 13:25 Resolved 3 1 3 1
82     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) 9869931 4 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-22 17:44 Cleared 1 1 3 1
101     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9945329 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-25 21:27 Cleared 1 1 1 1
101     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9945330 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-25 21:27 Cleared 1 1 1 1
101     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9955594 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-26 15:47 Cleared 1 1 1 1
87     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9916054 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-24 16:06 Cleared 1 1 1 1
87     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9916089 2 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-24 16:07 Cleared 1 1 1 1
87     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9918582 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-24 17:50 Cleared 1 1 1 1
129     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10023709 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-07-01 15:29 Cleared 1 1 1 1
129     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10023824 2 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-07-01 15:29 Cleared 1 1 1 1
129     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10030213 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-07-01 20:46 Cleared 1 1 1 1
116     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9978996 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-29 14:30 Cleared 1 1 1 1
116     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9979002 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-29 14:30 Cleared 1 1 1 1
116     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9981177 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-29 15:59 Cleared 1 1 1 1
126     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10009137 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-30 20:31 Cleared 1 1 1 1
126     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10009138 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-30 20:31 Cleared 1 1 1 1
126     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10010273 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-30 22:10 Cleared 1 1 1 1
117     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10002013 1 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-30 15:05 Cleared 1 1 1 1
117     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9986870 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-29 20:23 Cleared 1 1 1 1
117     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9986871 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-29 20:23 Cleared 1 1 1 1
141     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10096310 1 of 3 xx/xx/xxxx Credit Hazard Insurance Policy is Partial Hazard insurance policy partially provided. Only term of insurance and premium present.  



   Document Uploaded. The HOI attached contains all the necessary items -  xx/xx/xxxx

 Corrected HOI policy provided.  Condition resolved. -  xx/xx/xxxx

Hazard Insurance Policy is fully present -  xx/xx/xxxx

   2026-07-09 19:17 Resolved 3 1 3 1
141     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10096428 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-07-07 15:07 Cleared 1 1 3 1
141     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10098468 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-07-07 16:15 Cleared 1 1 3 1
66     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9844440 1 of 3 xx/xx/xxxx Compliance Missing Doc - Affiliated Business Disclosure/Missing Required Affiliated Business Disclosure missing The Privacy Policy Disclosure reflects Affiliates, however, no Affiliated Business Disclosure was provided.  



   Good day,
Our initial disclosures include Affiliated Business Disclosure for Wholesale channel only on xxxxx loans. -  xx/xx/xxxx

 Only affiliated in xxxxx  -  xx/xx/xxxx

   2026-06-23 15:44 Resolved 3 1 3 1
66     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9846478 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-19 17:57 Cleared 1 1 3 1
66     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9861005 3 of 3 xx/xx/xxxx Credit Credit Documentation - FICO Refresh Updated FICO score below minimum requirement. please provide credit documentation to verify borrower correct fico, SSN does not match credit documents in file expect for one  



   Document Uploaded. Please see attached -  xx/xx/xxxx

 Lock confirmation, 1008 and credit report provided. FICO 787. Condition resolved. -  xx/xx/xxxx

   2026-06-22 23:09 Resolved 3 1 3 1
137     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10048290 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-07-02 19:15 Cleared 1 1 1 1
137     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10048293 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-07-02 19:15 Cleared 1 1 1 1
137     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10049633 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-07-02 21:06 Cleared 1 1 1 1
133     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10043699 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-07-02 14:58 Cleared 1 1 1 1
133     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10043700 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-07-02 14:58 Cleared 1 1 1 1
133     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10045431 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-07-02 16:56 Cleared 1 1 1 1
104     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) 9957221 1 of 2 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-26 15:47 Cleared 1 1 3 1
104     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) 9960854 2 of 2 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-06-26 18:20 Cleared 1 1 3 1
71     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9846446 1 of 5 xx/xx/xxxx Credit Hazard Insurance Coverage Amount is less than Required Coverage Amount Coverage Amount - Hazard insurance amount is less than required coverage amount. The loan file contains a hazard policy with  xxxxx  dwelling coverage; however, the subject loan amount is  xxxxx   The loan file does not contain a replacement cost estimator verifying the minimum dwelling coverage required to rebuild the subject property as required per the lender's guidelines. Lender to provide hazard insurance policy with dwelling coverage equal to or higher than the final loan amount of  xxxxx  or a  xxxxx  verifying the cost to rebuild the subject property is equal to or less than  xxxxx .  



   Document Uploaded. Please see the  xxxxx , also Insurance policy states Replacement cost up to the Dwelling Coverage Limits. -  xx/xx/xxxx

  xxxxx  provided. Condition resolved. -  xx/xx/xxxx

   2026-06-23 14:38 Resolved 3 1 3 2
71     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9847468 2 of 5 xx/xx/xxxx Credit FEMA Declared Disaster Area Post Closing Review The subject property was located in a FEMA declared disaster area. Post closing property inspection report required. The subject property was located in a FEMA declared disaster area. The appraiser did not comment on any impact to the subject property; therefore, a post-closing property inspection report is required.



  Document Uploaded. Appraisal report for the property is of xxxxx xxxxx, far after January disaster. -  xx/xx/xxxx
 The most recent FEMA declarations for  xxxxx  was in xxxx xxxx, Appraisal effective date is  xx/xx/xxxx. -  xx/xx/xxxx
 The most recent FEMA declarations for  xxxxx  was in xxxxx xxxxx, Appraisal effective date is  xx/xx/xxxx. Condition resolved. -  xx/xx/xxxx
Condition upheld. Provide property inspection report from xxxxx disaster. -  xx/xx/xxxx
   2026-06-24 14:05 Resolved 3 1 3 2
71     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9847630 3 of 5 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-22 14:04 Cleared 1 1 3 2
71     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9848960 4 of 5 xx/xx/xxxx Credit Income - General The loan file reflected additional income issues. The guidelines do not allow xxxxx uctuating income using 12 month bank statements to qualify.  A formal exception is in the file.  



       The exception was approved due to DTI below 45%, revolving debt is below 30%, residual income >= $3000 which exceeds the minimum required by $1,000, DTI >=5% lower than loan program maximum, no credit events past 40 months, 5+ years credit history, no consumer late payments in the last 24 months, 2 borrowers on the loan, credit score > 40 points than the minimum required and no delinquent credit history.  2026-06-19 21:31 Waived 2 2 3 2
71     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9861852 5 of 5 xx/xx/xxxx Property Missing Doc - 3rd Party Valuation Product/Missing The loan file did not contain the required 3rd party valuation product. Missing AVM supporting the appraised value within 10%. The subject property's appraisal was transferred from another lender. The loan file contains the required transfer letter but is missing the AVM. Per the lender's guidelines xxxx APPRAISAL REVIEW REQUIREMENTS, the transferred appraisal value has to be supported with a Secondary Valuation product (AVM). The AVM value must either be higher than original value or below the original value by 10% or less. If the Secondary Valuation does not support the appraised value, a new appraisal is required. The loan file does not contain a lender-approved exception for the AVM.  

   Document Uploaded. Please see the AVM. -  xx/xx/xxxx

 3rd party valuation provided. Condition resolved. -  xx/xx/xxxx

   2026-06-23 14:44 Resolved 3 1 3 2
152     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10133256 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-07-08 21:52 Cleared 1 1 1 1
152     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10133257 2 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-07-08 21:53 Cleared 1 1 1 1
152     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10134583 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-07-09 00:38 Cleared 1 1 1 1
139     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10030073 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-07-01 20:37 Cleared 1 1 1 1
139     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10030074 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-07-01 20:37 Cleared 1 1 1 1
139     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10046369 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-07-02 17:08 Cleared 1 1 1 1
147     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10080139 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-07-06 22:23 Cleared 1 1 1 1
147     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10080141 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-07-06 22:23 Cleared 1 1 1 1
147     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10095936 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-07-07 14:47 Cleared 1 1 1 1
135     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10023219 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-07-01 15:14 Cleared 1 1 1 1
135     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10024382 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2026-07-01 15:38 Cleared 1 1 1 1
135     xx/xx/xxxx xxxxx xxxxx xx Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10026365 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-07-01 17:29 Cleared 1 1 1 1
150     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) 10080352 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-07-06 23:25 Cleared 1 1 1 1
150     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) 10080354 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-07-06 23:25 Cleared 1 1 1 1
150     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) 10099143 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-07-07 16:40 Cleared 1 1 1 1
151     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10133447 1 of 4 xx/xx/xxxx Credit Audited FICO is less than Guideline FICO Audited FICO is less than guideline FICO. Approved exception present in file for credit score of 659.  Approved with condition of max ltv 65%.



      Five years with current employment, 5 year credit history and borrower contribution equal to 5%.  2026-07-09 16:05 Waived 2 2 2 2
151     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10133523 2 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-07-08 22:31 Cleared 1 1 2 2
151     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10150540 3 of 4 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-07-09 13:53 Cleared 1 1 2 2
151     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10152214 4 of 4 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-07-09 15:11 Cleared 1 1 2 2
6     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 3652855 1 of 3 xx/xx/xxxx Credit Flood Insurance Expiration Date is before the Note Date Flood insurance expiration date is prior to the Note date. The condo xxxxx ood insurance expired xx/xx/xxxx Please provide updated xxxxx ood insurance to show it was in place as of the closing date.



  Document Uploaded. Please see attached -  xx/xx/xxxx

 Documentation provided is sufficient.
 -  xx/xx/xxxx

   2025-03-21 16:55 Resolved 3 1 3 1
6     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 3652909 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2025-03-20 01:05 Cleared 1 1 3 1
6     xx/xx/xxxx xxxxx xxxxx xx Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 3652911 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2025-03-20 01:06 Cleared 1 1 3 1
149     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10080396 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-07-06 23:40 Cleared 1 1 1 1
149     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10080399 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-07-06 23:41 Cleared 1 1 1 1
149     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 10095079 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-07-07 14:14 Cleared 1 1 1 1
120     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9981689 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU and LCA with risk scores = or < 2.5 which meets the lender's guidelines.



        2026-06-29 16:27 Cleared 1 1 1 1
120     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9981700 2 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2026-06-29 17:53 Cleared 1 1 1 1
120     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9988525 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-06-29 22:15 Cleared 1 1 1 1
146     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10077970 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2026-07-06 19:40 Cleared 1 1 1 1
146     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10077971 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.

        2026-07-06 19:41 Cleared 1 1 1 1
146     xx/xx/xxxx xxxxx xxxxx xx Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 10080025 3 of 3 xx/xx/xxxx Compliance No Compliance Findings

The loan meets all applicable compliance guidelines.

 

 

         2026-07-06 22:15 Cleared 1 1 1 1