Exhibit 99.2

 

Loan Number Seller Loan Number Originator Last Name Note Date Original Balance State TPR QM ATR Status Loan Status Exception Date Remediation Status Exception ID Exception Type Exception Category Exceptions Exception Rebuttal Exception Rebuttal Date Exception Rebuttal Response Exception Rebuttal Response Date Compensating Factors Initial Overall Loan Grade Final Overall Loan Grade Initial Exception Grade Final Exception Grade Initial Credit Grade Final Credit Grade Initial Property Valuation Grade Final Property Valuation Grade Initial Compliance Grade Final Compliance Grade Initial Overall Grade (DBRS) Initial Credit  Grade (DBRS) Initial Property Valuation Grade (DBRS) Initial Compliance Grade (DBRS) Initial Overall Grade (Fitch) Initial Credit Grade (Fitch) Initial Property Valuation Grade (Fitch) Initial Compliance Grade (Fitch) Initial Overall  Grade (KBRA) Initial Credit Grade (KBRA) Initial Property Valuation Grade (KBRA) Initial Compliance  Grade (KBRA) Initial Overall  Grade (Moody's) Initial Credit  Grade (Moody's) Initial Property Valuation Grade (Moody's) Initial Compliance Grade (Moody's) Initial Overall  Grade (S&P) Initial Credit  Grade (S&P) Initial Property Valuation  Grade (S&P) Initial Compliance  Grade (S&P) Final Overall  Grade (DBRS) Final Credit Grade (DBRS) Final Property Valuation  Grade (DBRS) Final Compliance  Grade (DBRS) Final Overall  Grade (Fitch) Final Credit Grade (Fitch) Final Property Valuation Grade (Fitch) Final Compliance  Grade (Fitch) Final Overall  Grade (KBRA) Final Credit Grade (KBRA) Final Property Valuation Grade (KBRA) Final Compliance  Grade (KBRA) Final Overall  Grade (Moody's) Final Credit Grade (Moody's) Final Property Valuation Grade (Moody's) Final Compliance Grade (Moody's) Final Overall  Grade (S&P) Final Credit  Grade (S&P) Final Property Valuation  Grade (S&P) Final Compliance Grade (S&P)
6101554 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Deed Missing or Defective Warranty deed in file conveys subject property to XXX. The borrowing entity is XXX. Please provide updated deed conveying subject property to XXX. XX/XX/XXXX: Prior provided deed was incorrect, XXX is not part of our transaction. See attached final and recorded deed into our borrowing entity
6/9: uploaded		   XX/XX/XXXX: Final deed received
XX/XX/XXXX: Warranty deed provided transfers ownership of the property to "XXX" who is not the borrower on this transaction. Please provide deed transferring ownership to the borrower "XXX" or entity documentation to support the borrower owns XXX		 XX/XX/XXXX   D A C A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101557 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Entity Documentation - Missing or Defective Missing operating agreement for borrowing entity: XXX XX/XX/XXXX: Uploaded   XX/XX/XXXX: Clear XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101563 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Guaranty Missing or Defective Missing executed guaranty for guarantor: XXX XX/XX/XXXX: Confirmed no recourse    XX/XX/XXXX: Clear XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101569 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Entity Documentation - Missing or Defective Missing operating agreement for borrowing entity: XXX XX/XX/XXXX: Uploaded   XX/XX/XXXX: Clear XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101551 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Hazard Insurance Missing or Defective Missing Hazard Insurance for subject property: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101551 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Entity Documentation - Missing or Defective Missing Articles of Incorporation for borrowing entity: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Clear XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101554 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Hazard Insurance Missing or Defective Missing Hazard Insurance for subject property: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101554 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Entity Documentation - Missing or Defective Missing Articles of Incorporation for borrowing entity: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101557 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Hazard Insurance Missing or Defective Missing Hazard Insurance for subject property: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101557 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Entity Documentation - Missing or Defective Missing Articles of Incorporation for borrowing entity: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101560 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Hazard Insurance Missing or Defective Missing Hazard Insurance for subject property: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101560 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Entity Documentation - Missing or Defective Missing Articles of Incorporation for borrowing entity: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101563 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Hazard Insurance Missing or Defective Missing Hazard Insurance for subject property: XXX XX/XX/XXXX: see RCE attached
6/9: uploaded		   XX/XX/XXXX: Confirmed 100% replacement cost coverage
XX/XX/XXXX: Dwelling coverage of $XXX does not cover the loan amount of $XXX. Please provide RCE or additional coverage		 XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101563 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Entity Documentation - Missing or Defective Missing Articles of Incorporation for borrowing entity: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101566 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Hazard Insurance Missing or Defective Missing Hazard Insurance for subject property: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101566 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Entity Documentation - Missing or Defective Missing Articles of Incorporation for borrowing entity: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101569 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Hazard Insurance Missing or Defective Missing Hazard Insurance for subject property: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101569 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Entity Documentation - Missing or Defective Missing Articles of Incorporation for borrowing entity: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101596 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Closing Protection Letter Missing or Defective Missing closing protection letter for subject transaction XX/XX/XXXX: Team - this was a post-close acquisition for us so no need for a CPL as it's only supposed to protect you at closing. We have valid title for ongoing issues if they arise. Please satisfy the condition.   XX/XX/XXXX: Confirmed CPL check outside SOW XX/XX/XXXX   D B D A D A C B N/A N/A D D C N/A D D C N/A D D C N/A D D C N/A D D C N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
6101596 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Acknowledged XXX Property Appraisal Aged Qualifying Appraisal Date of XX/XX/XXXX occurred after the loan Closing Date of XX/XX/XXXX. Original Exterior-Only appraisal dated XX/XX/XXXX was not used for qualifying AILTV and ARLTV per the data tape XX/XX/XXXX: Team - this was a post-close acquisition for us, we bought the loan on XX/XX/XXXX (after the appraisal date) so to our guidelines we didn't fund without an appraisal. Please satisfy the condition.   XX/XX/XXXX: Origination appraisal report missing, however, appraisal report prior to loan acquisition meets credit and valuation requirements XX/XX/XXXX FICO XXX, Experience XXX, 66% ARLTV D B C B D A C B N/A N/A D D C N/A D D C N/A D D C N/A D D C N/A D D C N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
6101587 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Title Insurance Coverage - Inadequate Coverage $XXX title insurance coverage < $XXX minimum coverage required XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101614 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101575 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101593 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Entity Documentation - Missing or Defective Missing Articles Of Organization: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Articles for borrowing entity received
XX/XX/XXXX: Borrowing entity and needed articles of organization is for XXX. Provided trailing docs is for XXX.		 XX/XX/XXXX   D B D A D B A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
6101581 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Property Hazard Insurance Missing or Defective Missing Hazard Insurance Policy for subject property: XXX XX/XX/XXXX: Uploaded   XX/XX/XXXX: Clear XX/XX/XXXX   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101701 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Hazard Insurance Missing or Defective Hazard insurance policy is missing policy premium and ISAOA/ATIMA after lender's name. Please provide updated hazard policy XX/XX/XXXX: Team - the interest in the EOI is for XXX which is our entity. Also premium is not a requirement for RTL loans, only for DSCR to calculate expenses. Regardless, here is the invoice   XX/XX/XXXX: Received XX/XX/XXXX   D A C A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101701 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Title Insurance Coverage - Inadequate Coverage $XXX title coverage < $XXXminimum coverage required. Please provide updated title commitment  XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A C A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101692 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Property Flood Insurance Missing or Defective Missing Flood Insurance For Subject Property : XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101653 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Flood Cert or Evidence not in a Flood Zone Missing Missing Flood Certificate for subject property: XXX XX/XX/XXXX: Uploaded   XX/XX/XXXX: Clear XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101653 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Sales Contract Missing or Defective Missing Purchase Contract for subject property XXX XX/XX/XXXX: assignment of contract   XX/XX/XXXX: Document sufficient, clear
XX/XX/XXXX: Purchase contract reflects the buyer as XXX, who is not a party to the subject transaction. Please provide addendum correcting the buyer listed on the purchase contract		 XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101704 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101689 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Closing Disclosure/Settlement Statement Missing or Defective Missing Settlement Statement Document XX/XX/XXXX: Settlement Statement uploaded   XX/XX/XXXX: Document Sufficient XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101659 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Hazard Insurance Missing or Defective Missing Hazard Insurance for subject property: XXX  XX/XX/XXXX: updated HOI attached
6/10: uploaded		   XX/XX/XXXX: Sufficient HOI coverage received
XX/XX/XXXX: Building coverage of $XXX is less than the loan amount of $XXX. Please provide RCE or additional coverage		 XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101665 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Hazard Insurance Missing or Defective Missing Hazard Insurance for subject property: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101716 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101725 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Closing Documentation Missing or Defective Missing Closing Package: Note, Security Instrument, Settlement Statement, Conveyance Deed, etc. XX/XX/XXXX: closing package uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A C A N/A N/A D D C N/A D D C N/A D D C N/A D D C N/A D D C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101686 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101698 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101668 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Hazard Insurance Missing or Defective $XXX Hazard coverage < $XXX minimum coverage required. Please provide updated Hazard Insurance XX/XX/XXXX: insurance coverage $XXX   XX/XX/XXXX: Received XX/XX/XXXX   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101653 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Credit Report Missing or Defective Missing Social Security Number XX/XX/XXXX: Uploaded   XX/XX/XXXX: Clear XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101647 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101752 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Credit Report Missing or Defective Missing SSN Number for Guarantors: XXX XX/XX/XXXX: Clear   XX/XX/XXXX: Document Sufficient XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101752 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Closing Disclosure/Settlement Statement Missing or Defective Missing Settlement Statement Document XX/XX/XXXX: Clear   XX/XX/XXXX: Document Sufficient XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101752 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Flood Cert or Evidence not in a Flood Zone Missing Missing Flood Certificate for subject: XXX XX/XX/XXXX: Clear   XX/XX/XXXX: Document Sufficient XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101752 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Title Insurance Missing or Defective Missing E&O Insurance XX/XX/XXXX: Clear   XX/XX/XXXX: Document Sufficient XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101755 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Credit Report Missing or Defective Missing SSN Number: XXX XX/XX/XXXX: Clear   XX/XX/XXXX: Document Sufficient XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101755 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Closing Disclosure/Settlement Statement Missing or Defective Missing Settlement Statement for subject: XXX XX/XX/XXXX: Clear   XX/XX/XXXX: Document Sufficient XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101755 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Flood Cert or Evidence not in a Flood Zone Missing Missing Flood Certificate for subject: XXX XX/XX/XXXX: Clear   XX/XX/XXXX: Document Sufficient XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101794 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101797 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Hazard Insurance Missing or Defective Missing Hazard Insurance XX/XX/XXXX: uploaded   XX/XX/XXXX: Received, insurance sufficient XX/XX/XXXX   D A D A D A C A N/A N/A D D C N/A D D C N/A D D C N/A D D C N/A D D C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101776 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Acknowledged XXX Credit Credit Report Aged XXX Days Age Of Credit Report >120  Days Max Allowed. Provide Updated Credit Report.  XX/XX/XXXX: Team - please waive with compensating factors that 1) revised FICO came back at XXX, 2) experience XXX, 3) liquidity requirement of ~XXX, XXX) LTV of 54% and 5) LTARV of 57%   XX/XX/XXXX: Exception approval received XX/XX/XXXX Revised FICO XXX, Experience XXX, 54% AILTV C B C B C B A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
6101737 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101740 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Flood Insurance Missing or Defective Missing Flood Certificate for: XXX XX/XX/XXXX: Clear   XX/XX/XXXX: Document Sufficient XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101740 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Sales Contract Missing or Defective Missing Purchase Contract for subject property: XXX XX/XX/XXXX: Clear   XX/XX/XXXX: Document Sufficient XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101740 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Credit Report Missing or Defective Missing SSN for Guarantors: XXX XX/XX/XXXX: Clear   XX/XX/XXXX: Document Sufficient XX/XX/XXXX   D A C A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101740 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Guarantor Identification Missing or Defective Missing ID/Passport for Guarantor: XXX  XX/XX/XXXX: uploaded
6/12: uploaded		   XX/XX/XXXX: Unexpired ID received
XX/XX/XXXX: ID uploaded is expired before closing. Please provide valid ID/Passport		 XX/XX/XXXX   D A C A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101740 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Title Insurance Missing or Defective Missing E&O Insurance XX/XX/XXXX: Clear   XX/XX/XXXX: Document Sufficient XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101638 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Hazard Insurance Missing or Defective $XXX Hazard coverage < $XXX minimum coverage required. Please provide updated Hazard Insurance XX/XX/XXXX: uploaded   XX/XX/XXXX: Clear XX/XX/XXXX   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101644 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101641 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101632 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101635 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101572 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101578 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101584 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101590 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101599 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101602 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101605 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101608 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101611 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101617 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Acknowledged XXX Credit Hazard Insurance Missing or Defective Hazard Insurance is not active at closing. Hazard Insurance effective dates: XX/XX/XXXX - XX/XX/XXXX. Closing date: XX/XX/XXXX. Please provide hazard insurance that is effective at the time of closing.  XX/XX/XXXX: Team - please waive with compensating factors that 1) there was only 1 day of insurance shortfall 2) during the time of the lapse of insurance no cause of claim occurred 3) XXX FICO 4) XXX experience 5) 6% below max LTC allowed 6) 20% below max LTC allowed and 7) 5% below max LTARV allowed   XX/XX/XXXX: Exception approval received XX/XX/XXXX FICO XXX, Experience XXX, 70% ARLTV C B C B C B A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
6101620 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101623 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101626 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101629 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101650 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101671 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101656 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101674 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101662 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101677 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101683 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Hazard Insurance Missing or Defective Missing Hazard Insurance for subject property: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101707 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101701 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Sales Contract Missing or Defective Missing Purchase Contract Addendum reflecting final purchase prive of $XXX as indicated on the Settlement Statement XX/XX/XXXX: addendum uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101680 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101710 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101713 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101719 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101722 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Hazard Insurance Missing or Defective Hazard Insurance policy does not relfect lending entity or include ISAOA/ATIMA language. Please provide updated HOI. XX/XX/XXXX: HOI uploaded   XX/XX/XXXX: Document Sufficient XX/XX/XXXX   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101695 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101728 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101731 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101734 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Guaranty Missing or Defective Missing executed guaranty for guarantor: XXX XX/XX/XXXX: Confirmed no recourse   XX/XX/XXXX: No recourse loan XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101743 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Significant Derogatory Credit Event – Requirement Not Met Missing Social Security Number For Guarantor :  XXX XX/XX/XXXX: Clear   XX/XX/XXXX: Document Sufficient XX/XX/XXXX   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101746 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101749 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101764 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: CLear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101761 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: CLear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101788 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Guaranty Missing or Defective Missing executed personal guaranty document XX/XX/XXXX: Confirmed no recourse   XX/XX/XXXX: Confirmed no recourse loan XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101767 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: CLear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101779 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101773 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: CLear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101725 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Property Appraisal Missing or Defective Provided appraisal is missing a review of the projects budget XX/XX/XXXX: attached    XX/XX/XXXX: Updated appraisal with scope of rehab received XX/XX/XXXX   D A C A D A C A N/A N/A D D C N/A D D C N/A D D C N/A D D C N/A D D C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101782 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101830 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101791 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101827 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Closing Protection Letter Missing or Defective Closing Protection Letter does not include required ISAOA/ATIMA language. Please provide update. XX/XX/XXXX: this was a post-close acquisition, CPL not required   XX/XX/XXXX: ISAOA on Title. CPL ties in with Title. XX/XX/XXXX   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101848 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Credit Report Missing or Defective Missing SSN For Guarantor: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101833 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101842 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101836 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101851 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101824 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Hazard Insurance Missing or Defective Missing hazard insurance policy for subject property: XXX XX/XX/XXXX: attached   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101821 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101857 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101860 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Flood Certificate Missing or Defective Missing Flood Certificate for subject property: XXX XX/XX/XXXX: attached   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101758 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Closing Disclosure/Settlement Statement Missing or Defective Missing Settlement Statement. XX/XX/XXXX: attached   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101770 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101758 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Sales Contract Missing or Defective Missing purchase agreement for subject property: XXX XX/XX/XXXX: attached   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101758 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Flood Certificate Missing or Defective Missing flood certificate for subject property: XXX XX/XX/XXXX: attached   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101785 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101803 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101797 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Property Appraisal Missing or Defective Budget in file and budget on appraisal do not match. Budget in file is $XXX and budget on appraisal reflects $XXX. Please provide updated appraisal.  XX/XX/XXXX: attached   XX/XX/XXXX: Updated appraisal with corrected rehab budget received XX/XX/XXXX   D A C A D A C A N/A N/A D D C N/A D D C N/A D D C N/A D D C N/A D D C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101800 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101806 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101809 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101815 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101812 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101818 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101956 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101887 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Acknowledged XXX Credit Hazard Insurance Missing or Defective Hazard Insurance is not active at closing. Hazard Insurance effective dates: XX/XX/XXXX - XX/XX/XXXX. Closing date: XX/XX/XXXX. Please provide hazard insurance that is effective at the time of closing.  XX/XX/XXXX: Team - please waive with compensating factors that 1) this was a post-close aggregation which settled on EOD XX/XX/XXXX hence no real insurance shortfall 2) during the time of the lapse of insurance no cause of claim occurred 3) FICO of XXX 4) experience of XXX 5) LTV of 15%   XX/XX/XXXX: Exception approval received XX/XX/XXXX FICO XXX, 15% AILTV, no claim during lapse C B C B C B A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
6102010 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102037 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Hazard Insurance Missing or Defective Missing Hazard Insurance Policy Number For Subject Property :XXX XX/XX/XXXX: Hazard insurance uploaded   XX/XX/XXXX: Document sufficient XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102022 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Closing Disclosure/Settlement Statement Missing or Defective Missing Settlement Statement. XX/XX/XXXX: attached   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101896 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102163 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101902 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Property Appraisal Aged Appraisal for subject property XXX is dated XX/XX/XXXX and aged XXX days. Market conditions could have changed, please provide an updated appraisal.  XX/XX/XXXX: attached   XX/XX/XXXX: Updated appraisal received
XX/XX/XXXX: Appraisal provided is dated XX/XX/XXXX, which is aged XXX days from the closing date		 XX/XX/XXXX   D A C A D A C A N/A N/A D D C N/A D D C N/A D D C N/A D D C N/A D D C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101905 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Flood Certificate Missing or Defective Missing Flood Certificate For Subject Property : XXX XX/XX/XXXX: attached   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102049 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101839 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101854 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101863 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101866 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Title Insurance Missing or Defective Preliminary title insurance on file does not reflect the lending entity - "XXX" or the loan amount. Please provide updated title or supplement. XX/XX/XXXX: attached updated title   XX/XX/XXXX: Received, document sufficient XX/XX/XXXX   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101869 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102061 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Closing Documentation Missing or Defective Missing Closing Package including; Security Instrument, Conveyance Deed, Settlement Statement, Note, Guaranty and Cert of Business Purpose XX/XX/XXXX: Clear   XX/XX/XXXX: Document sufficient XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102061 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Title Insurance Missing or Defective Preliminary Title Insurance in file does not include ISAOA/ATIMA verbiage. Please provide Title Supplement or Commitment XX/XX/XXXX: Clear   XX/XX/XXXX: Document sufficient XX/XX/XXXX   D A C A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102130 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Title Insurance Missing or Defective Title Commitment is missing mortgagee clause following Lender's name. Please provide updated Title or Title Supplement with ISAOA/ATIMA Verbiage. XX/XX/XXXX: Clear   XX/XX/XXXX: Document sufficient XX/XX/XXXX   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102139 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102136 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102133 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102103 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102148 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Acknowledged XXX Property Hazard Insurance Missing or Defective Missing Hazard Insurance for subject property: XXX XX/XX/XXXX: Team - please waive as for the time that lapsed without coverage there was no accident that could have caused an insurance claim. Additionally, compensating factors of XXX FICO, experience XXX, XXX required liquidity, LTC 17% below max allowed and LTV 16% below max allowed   XX/XX/XXXX: Waived lapse of coverage
XX/XX/XXXX: Hazard insurance provided is not in effect at closing		 XX/XX/XXXX FICO XXX, Experience XXX, ARLTV 72% D B D B A A D B N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
6102151 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Property Hazard Insurance Missing or Defective Missing Hazard Insurance for subject property: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101875 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Title Insurance Missing or Defective Missing evidence of title insurance XX/XX/XXXX: Title uploaded   XX/XX/XXXX: Document sufficient XX/XX/XXXX   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101881 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101878 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Title Insurance Missing or Defective Missing evidence of title insurance XX/XX/XXXX: Title uploaded   XX/XX/XXXX: Document sufficient XX/XX/XXXX   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101884 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101890 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101899 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102187 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102169 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Property Hazard Insurance Missing or Defective Hazard insurance policy is missing mortgage clause after lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage. XX/XX/XXXX: Clear   XX/XX/XXXX: Document sufficient XX/XX/XXXX   C A C A A A C A N/A N/A C A C N/A C A C N/A C A C N/A C A C N/A C A C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101872 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101893 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101908 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Property Hazard Insurance Missing or Defective Hazard Insurance coverage amount insufficient. Hazard Insurance coverage: $XXX < $XXX loan amount. Please provide additional coverage or replacement cost.  XX/XX/XXXX: Clear   XX/XX/XXXX: RCE uploaded XX/XX/XXXX   C A C A A A C A N/A N/A C A C N/A C A C N/A C A C N/A C A C N/A C A C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101911 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Property Hazard Insurance Missing or Defective Hazard Insurance coverage amount insufficient. Hazard Insurance coverage: $XXX < $XXX loan amount. Please provide additional coverage or replacement cost.  XX/XX/XXXX: Clear   XX/XX/XXXX: RCE uploaded XX/XX/XXXX   C A C A A A C A N/A N/A C A C N/A C A C N/A C A C N/A C A C N/A C A C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101902 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Missing, Inadequate, or Incomplete Project Document Missing repair budget from file. Please provide the repair budget.  XX/XX/XXXX: Clear   XX/XX/XXXX: Document suffcient  XX/XX/XXXX   D A D A D A C A N/A N/A D D C N/A D D C N/A D D C N/A D D C N/A D D C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101593 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Acknowledged XXX Credit Hazard Insurance Missing or Defective Hazard Insurance is not active at closing. Hazard Insurance effective dates: XX/XX/XXXX - XX/XX/XXXX. Closing date: XX/XX/XXXX. Please provide hazard insurance that is effective at the time of closing.  XX/XX/XXXX: Team - please waive with compensating factors that 1) this was a post-close aggregation which settled on EOD XX/XX/XXXX hence no insurance shortfall 2) during the time of the lapse of insurance no cause of claim occurred 3) XXX FICO 4) XXX experience 5) 5% below max LTC allowed 6) 12% below max LTV allowed 7) 16% below max LTARV allowed and 8) liquidity of ~XXX the requirement   XX/XX/XXXX: Exception approval received XX/XX/XXXX FICO XXX, Experience XXX, 59% ARLTV D B C B D B A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
6101914 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101917 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101920 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101923 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101947 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101929 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101926 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101932 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101938 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101950 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101953 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101944 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101935 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Property Hazard Insurance Missing or Defective Missing Hazard Insurance for subject property: XXX - Hazard in file is a Quote XX/XX/XXXX: Clear   XX/XX/XXXX: Document suffcient  XX/XX/XXXX   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101941 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101965 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101962 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101959 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101968 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101971 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101974 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101977 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Missing, Inadequate, or Incomplete Project Document Missing repair budget from file. Please provide the repair budget.  XX/XX/XXXX: attached   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101980 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Hazard Insurance Missing or Defective Hazard Insurance is missing the mortgagee clause. Please provide updated hazard insurance with ISAOA/ATIMA.  XX/XX/XXXX: Hazard Insurance uploaded   XX/XX/XXXX: Document sufficient XX/XX/XXXX   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101983 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101986 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101992 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101989 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102001 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102004 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102007 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101995 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102013 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102016 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101998 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102025 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102028 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102031 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102034 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102019 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Entity Documentation - Missing or Defective Missing Articles of Incorporation and Executed Operating Agreement for Entity: XXX XX/XX/XXXX: Uploaded   XX/XX/XXXX: Document sufficient XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102019 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Credit Report Missing or Defective Missing SSN for borrower: XXX XX/XX/XXXX: Clear   XX/XX/XXXX: Document sufficient XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102019 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Hazard Insurance Missing or Defective Missing Hazard Insurance Policy for subject property: XXX XX/XX/XXXX: Clear   XX/XX/XXXX: Document sufficient XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102019 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Flood Certificate Missing or Defective Missing Flood Certificate for subject property: XXX XX/XX/XXXX: Clear   XX/XX/XXXX: Document sufficient XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102019 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Sales Contract Missing or Defective Missing Purchase Agreement for subject property: XXX XX/XX/XXXX: Purchase agreement uploaded   XX/XX/XXXX: Document sufficient XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102019 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Title Insurance Missing or Defective Title Commitment dated XX/XX/XXXX does not include required ISAOA/ATIMA language. Please provide update. XX/XX/XXXX: Clear   XX/XX/XXXX: Document sufficient XX/XX/XXXX   D A C A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102043 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Acknowledged XXX Credit Hazard Insurance Missing or Defective Hazard Insurance not effective at closing.  Effective dates: XX/XX/XXXX - XX/XX/XXXX. Origination date: XX/XX/XXXX. Please provide hazard insurance that is effective at the time of closing.  XX/XX/XXXX: Team - please waive this condition. This was a post-close loan acquisition for us. 1) We purchased the loan on XX/XX/XXXX and the insurance was active as of XX/XX/XXXX. 2) Additionally no accident occurred that could have caused a claim to be filed between the loan origination date and effective date. 3) XXX FICO 4) XXX experience 5) XXX required for liquidity (refinance) and sponsor showing XXX and 6) 49.7% LTV   XX/XX/XXXX: Exception approval received XX/XX/XXXX FICO XXX, 49% AILTV, 58% ARLTV C B C B C B A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
6102046 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102052 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102040 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Hazard Insurance Missing or Defective Missing Hazard Insurance Policy for subject property: XXX XX/XX/XXXX: Hazard Insurance uploaded   XX/XX/XXXX: Document sufficient XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102058 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102064 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102073 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102079 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  #VALUE!   XX/XX/XXXX: No recourse XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102085 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102067 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102088 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Acknowledged XXX Credit Hazard Insurance Missing or Defective Hazard insurance in file is a quote, please provide Hazard Insurance with effective dates XX/XX/XXXX: Team - please waive. Comp factor that 1) The insurance shortfall is only for 1 day and 2) there was no accident that occurred that could have triggered an insurance claim 3) XXX FICO 4) XXX liquidity 5) 60% LTARV 6) LTV 7% below max
6/25: attached		   XX/XX/XXXX: Finding waived
XX/XX/XXXX: Hazard Insurance uploaded is not effective at the time of origination. Effective dates: XX/XX/XXXX - XX/XX/XXXX. Origination date: XX/XX/XXXX. Hazard Insurance uploaded is the missing mortgagee clause. Please provide updated hazard insurance.		 XX/XX/XXXX FICO XXX, ARLTV 60%, 1 day lapse C B C B C B A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
6102091 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102055 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Guaranty Missing or Defective Missing guaranty for guarantor: XXX XX/XX/XXXX: Confirmed no recourse   XX/XX/XXXX: No recourse XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102070 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102076 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102082 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102094 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102097 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102100 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102109 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102112 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102127 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102124 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102115 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102121 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102142 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102118 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102316 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Entity Documentation - Missing or Defective Missing operating agreement for borrowing entity: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102286 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102244 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Property Hazard Insurance Missing or Defective Missing hazard insurance policy for subject property: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102289 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102265 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102331 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Acknowledged XXX Property Appraisal Missing or Defective Appraisal for subject property XXX is dated XX/XX/XXXX, after the Note date (XX/XX/XXXX). Please provide an Appraisal dated on or before XX/XX/XXXX XX/XX/XXXX: pulled prior to acquisition   XX/XX/XXXX: Origination appraisal report is missing, however, appraisal report obtained prior to acquisition meets credit and valuation requirements XX/XX/XXXX FICO XXX, Experience XXX, 67% ARLTV C B C B A A C B N/A N/A C A C N/A C A C N/A C A C N/A C A C N/A C A C N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
6102295 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Flood Certificate Missing or Defective Missing Flood Certificate for subject property: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102208 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Entity Documentation - Missing or Defective Missing Executed Operating Agreement for XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102298 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102343 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102274 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Entity Documentation - Missing or Defective Missing Operating Agreement For : XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102304 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Entity Documentation - Missing or Defective Missing Operating Agreement, Articles of Organization, Certificate of Good Standing For : XXX XX/XX/XXXX: regarding the COGS, the entity was formed XX/XX/XXXX and the loan closed on XX/XX/XXXX so COGS is not required as seasoning is within a year   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102304 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Minimum Credit Score Requirement Not Met Qualifying Credit score of XXX does not meet guideline requirements of XXX or above. Unable to determine LLC ownership for borrowers due to missing Operating Agreement. Qualifying fico score will be reavulated once ownership percatnges are provided.  XX/XX/XXXX: XXX% owner's FICO is XXX which should be used to qualify the loan   XX/XX/XXXX: Organization docs received to confirm ownership percentages; FICO meets guideline minimum; Clear XX/XX/XXXX   D A C A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102277 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Title Insurance Missing or Defective Missing Title Report for Subject Property : XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102340 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Hazard Insurance Missing or Defective Hazard Insurance is missing policy premium amount. Please provide updated Hazard Insurance XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102334 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Acknowledged XXX Property Ineligible Property Subject property is located in a XXX area which is ineligible per guidelines XX/XX/XXXX: Team - please waive this with compensating factors or XXX/XXX FICO, XXX experience, verified XXX required liquidity, 49.6% LTV (max allowed 75%), 55% LTARV (max allowed 65%).   XX/XX/XXXX: Exception approval received XX/XX/XXXX FICO XXX, Experience XXX, 55% ARLTV C B C B A A C B N/A N/A C A C N/A C A C N/A C A C N/A C A C N/A C A C N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
6102154 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102157 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102160 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102145 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102166 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102337 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Title Insurance Missing or Defective Title Commitment is missing mortgagee clause following Lender's name. Please provide updated Title or Title Supplement with ISAOA/ATIMA Verbiage. XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102172 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102175 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Hazard Insurance Missing or Defective Hazard insurance policy is missing ISAOA clause XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102193 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Missing, Inadequate, or Incomplete Project Document Missing project budget for subject property: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102193 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Hazard Insurance Missing or Defective Hazard policy is missing policy number and lender's mortgagee clause: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A C A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102199 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102226 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102178 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102196 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Hazard Insurance Missing or Defective Missing hazard insurance policy for subject policy: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102229 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102202 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102190 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102181 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102205 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102184 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102211 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102214 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Note Missing or Defective Missing note to allign with loan amount in settlement statement. Note in file listed as $XXX while settlement statement lists total loan as $XXX XX/XX/XXXX: Clear   XX/XX/XXXX: Document sufficient XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102214 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Hazard Insurance Missing or Defective Missing Hazard Insurance for subject property: XXX XX/XX/XXXX: Clear   XX/XX/XXXX: Document sufficient XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102220 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102223 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102217 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102361 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Credit Report Missing or Defective Missing Social Security Number(SSN) for both Guarantors XX/XX/XXXX: W9 SSN Uploaded   XX/XX/XXXX: W9 SSN Received XX/XX/XXXX   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102361 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Closing Disclosure/Settlement Statement Missing or Defective Missing Settlement Statement Document for subject property: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: HUD received
XX/XX/XXXX: Corrupted Document. Please reupload settlement statement		 XX/XX/XXXX   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102361 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Property Flood Certificate Missing or Defective Missing Flood Certificate for subject property : XXX XX/XX/XXXX: Flood Certificate Uploaded   XX/XX/XXXX: Flood Certificate Received XX/XX/XXXX   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102364 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Credit Report Missing or Defective Missing Social Security Number(SSN) for: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102364 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Closing Disclosure/Settlement Statement Missing or Defective Missing Settlement Statement for subject property: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102364 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Property Flood Certificate Missing or Defective Missing Flood Certificate for subject property : XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102376 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Credit Report Missing or Defective Missing Social Security Number(SSN) for both Guarantors XX/XX/XXXX: W9 SSN Uploaded   XX/XX/XXXX: W9 SSN Received XX/XX/XXXX   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102427 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102376 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Entity Documentation - Missing or Defective Missing Operating Agreement for Entity : XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Document sufficient XX/XX/XXXX   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102376 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Entity Documentation - Missing or Defective Missing Articles of Organization for Entity : XXX XX/XX/XXXX: Articles Uploaded   XX/XX/XXXX: Articles Received XX/XX/XXXX   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102376 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Hazard Insurance Missing or Defective Missing Hazard Insurance for property: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Document sufficient XX/XX/XXXX   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102376 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Property Flood Certificate Missing or Defective Missing Flood Certificate for subject property: XXX XX/XX/XXXX: Flood Certificate Uploaded   XX/XX/XXXX: Flood Certificate Uploaded XX/XX/XXXX   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102403 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Credit Report Missing or Defective Missing Social Security Number (SSN) for both guarantors: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Document sufficient XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102391 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Property Flood Certificate Missing or Defective Missing Flood Certificate for subject property: XXX XX/XX/XXXX: Flood Certificate Uploaded   XX/XX/XXXX: Flood Certificate Received XX/XX/XXXX   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102409 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Entity Documentation - Missing or Defective Missing Operating Agreement and Articles of Incorporation for Entity: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Document sufficient XX/XX/XXXX   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102394 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Property Flood Certificate Missing or Defective Missing Flood Certificate for subject property : XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A C A D A N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102409 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Credit Report Missing or Defective Missing Social Security Number(SSN) for: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Document sufficient XX/XX/XXXX   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102379 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Property Flood Certificate Missing or Defective Missing Flood Certificate for subject property : XXX XX/XX/XXXX: Flood Certificate Uploaded   XX/XX/XXXX: Flood Certificate Received XX/XX/XXXX   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102379 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Credit Report Missing or Defective Missing Social Security Number(SSN) for both Guarantors XX/XX/XXXX: W9 SSN Uploaded   XX/XX/XXXX: W9 SSN Received XX/XX/XXXX   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102397 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Closing Disclosure/Settlement Statement Missing or Defective Missing Settlement Statement Document for subject property: XXX XX/XX/XXXX: Settlement Statement Uploaded   XX/XX/XXXX: Settlement Statement Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102409 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Closing Disclosure/Settlement Statement Missing or Defective Missing Settlement Statement Document for subject property: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Document sufficient XX/XX/XXXX   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102409 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Property Flood Certificate Missing or Defective Missing Flood Certificate for subject property: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Document sufficient XX/XX/XXXX   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102412 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Credit Report Missing or Defective Missing Social Security Number (SSN) for G2: XXX XX/XX/XXXX: W9 SSN Uploaded   XX/XX/XXXX: W9 SSN Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102382 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Property Flood Certificate Missing or Defective Missing Flood Certificate for subject property : XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102382 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Credit Report Missing or Defective Missing Social Security Number(SSN) for both Guarantors XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102364 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Property Appraisal Missing or Defective Budget in file not referenced in Appraisal. Budget is $XXX. Please provide updated Appraisal XX/XX/XXXX: appraisal updated   XX/XX/XXXX: Updated appraisal received XX/XX/XXXX   D A C A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102370 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Flood Certificate Missing or Defective Missing Flood Certificate for subject property: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102370 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Closing Disclosure/Settlement Statement Missing or Defective Missing Settlement Statement XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102370 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Sales Contract Missing or Defective Missing Purchase agreement XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102394 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Property Appraisal Missing or Defective Construction budget is missing from loan file.  XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A C A D A N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102394 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Closing Disclosure/Settlement Statement Missing or Defective Settlement statement does not reflect rehab holdback amount of $XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A C A C A D A N/A N/A D C D N/A D C D N/A D C D N/A D C D N/A D C D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102349 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Property Appraisal Missing or Defective Budget in file is not referenced in the appraisal. Budget in file is $XXX. Please provide updated appraisal.  XX/XX/XXXX: updated appraisal attached   XX/XX/XXXX: Document sufficient XX/XX/XXXX   C A C A A A C A N/A N/A C A C N/A C A C N/A C A C N/A C A C N/A C A C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102373 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Property Appraisal Missing or Defective Budget in file is not referenced in the appraisal. Budget in file is $XXX. Please provide updated appraisal.  XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A C A D A C A N/A N/A D D C N/A D D C N/A D D C N/A D D C N/A D D C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102367 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Property Flood Certificate Missing or Defective Missing Flood Certificate for subject property: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102367 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Credit Report Missing or Defective Missing Social Security Number(SSN) for both Guarantors XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102367 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Closing Disclosure/Settlement Statement Missing or Defective Missing Settlement Statement XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102373 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Credit Report Missing or Defective Missing Social Security Numbers (SSN) for both Guarantors XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A C A N/A N/A D D C N/A D D C N/A D D C N/A D D C N/A D D C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102373 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Closing Disclosure/Settlement Statement Missing or Defective Missing Settlement Statement XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A C A N/A N/A D D C N/A D D C N/A D D C N/A D D C N/A D D C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102373 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Flood Certificate Missing or Defective Missing Flood Certificate for subject property: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A C A N/A N/A D D C N/A D D C N/A D D C N/A D D C N/A D D C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102373 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Sales Contract Missing or Defective Missing Purchase Agreement for subject property: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A C A N/A N/A D D C N/A D D C N/A D D C N/A D D C N/A D D C N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102370 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Credit Report Missing or Defective Missing Social Security Number(SSN) for: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102391 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Credit Report Missing or Defective Missing Social Security Numbers (SSN) for both Guarantors XX/XX/XXXX: W9 SSN Uploaded   XX/XX/XXXX: W9 SSN Received XX/XX/XXXX   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102391 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Sales Contract Missing or Defective Missing Purchase Agreement for subject property: XXX XX/XX/XXXX: Purchase Agreement Uploaded   XX/XX/XXXX: Purchase Agreement Received XX/XX/XXXX   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102379 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Background Check Missing or Defective Missing Background report for guarantor: XXX XX/XX/XXXX: Background Check Uploaded   XX/XX/XXXX: Background Check Received XX/XX/XXXX   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102415 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Closing Disclosure/Settlement Statement Missing or Defective Missing Settlement Statement Document for subject property: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102415 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Credit Report Missing or Defective Missing Social Security Number (SSN) for:  XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102400 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Flood Certificate Missing or Defective Missing Flood Certificate for subject property : XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Document sufficient XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102403 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Flood Certificate Missing or Defective Missing Flood Certificate for subject property : XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Document sufficient XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102385 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Flood Certificate Missing or Defective Missing Flood Certificate for subject property : XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102385 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Credit Report Missing or Defective Missing Social Security Number(SSN) for :  XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102379 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Sales Contract Missing or Defective Missing purchase contract for subject property: XXX XX/XX/XXXX: Sales Contract Uploaded   XX/XX/XXXX: Sales Contract Received XX/XX/XXXX   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102388 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Credit Report Missing or Defective Missing Social Security Number(SSN) for :  XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102388 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Flood Certificate Missing or Defective Missing Flood Certificate for subject property : XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102406 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Flood Certificate Missing or Defective Missing Flood Certificate for subject property : XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102406 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Entity Documentation - Missing or Defective Missing Operating Agreement & EIN for Entity : XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102406 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Closing Disclosure/Settlement Statement Missing or Defective Missing Settlement Statement Document for subject property: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102406 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Credit Report Missing or Defective Missing Social Security Number(SSN) for :  XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102253 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102241 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102256 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102259 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102235 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102232 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102247 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102250 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102268 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102262 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Entity Documentation - Missing or Defective Missing Articles of Incorporation for borrowing entity: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102280 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102271 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102283 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102292 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102307 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102301 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Guaranty Missing or Defective Missing guaranty for guarantor: XXX XX/XX/XXXX: Confirmed no recourse   XX/XX/XXXX: No recourse XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102457 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Entity Documentation - Missing or Defective Missing Articles of Incorporation Operating, Good standing and EIN for borrowing entity: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102460 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102439 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Credit Report Missing or Defective Missing Credit Report for guarantor: XXX XX/XX/XXXX: Credit Report Uploaded   XX/XX/XXXX: Credit Report Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102439 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Sales Contract Missing or Defective Missing Purchase agreement for subject property: XXX XX/XX/XXXX: Sales Contract Uploaded   XX/XX/XXXX: Sales Contract Uploaded XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102361 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Sales Contract Missing or Defective Missing Purchase agreement for subject property: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102478 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Closing Documentation Missing or Defective Missing Executed Closing Package: Note, Security Instrument, Guaranty, Business purpose, Settlement Statement etc. XX/XX/XXXX: uploaded   XX/XX/XXXX: Document sufficient XX/XX/XXXX   D B D A D B A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
6102478 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Acknowledged XXX Credit Hazard Insurance Missing or Defective Missing hazard insurance Document for subject property: XXX #VALUE!   XX/XX/XXXX: Liability insurance received. Insurance documentation does not cover the property at origination, however, insurance is in effect as of acquisition date and meets credit guidelines
XX/XX/XXXX: Hazard Insurance uploaded is missing policy premium as well as liability insurance		 XX/XX/XXXX FICO XXX, ARLTV 29%, AILTV 60% D B D B D B A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
6102478 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Background Check Missing or Defective Missing Background Report for Guarantor:  XXX XX/XX/XXXX: Background Report Uploaded   XX/XX/XXXX: Background Report Received XX/XX/XXXX   D B D A D B A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
6102487 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Title Insurance Coverage - Inadequate Coverage $XXX title coverage < $XXX minimum coverage required. Please provide updated title commitment  XX/XX/XXXX: uploaded   XX/XX/XXXX: Document sufficient XX/XX/XXXX   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102310 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102313 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102325 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102328 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102352 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102508 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102511 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Property Flood Certificate Missing or Defective Missing Flood Certificate for subject property : XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Document sufficient XX/XX/XXXX   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102511 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Property Hazard Insurance Missing or Defective Missing Hazard Insurance effective & expiration date  XX/XX/XXXX: uploaded   XX/XX/XXXX: Document sufficient XX/XX/XXXX   D A C A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102355 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102424 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102358 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102523 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Property Hazard Insurance Missing or Defective Missing Hazard Insurance Property located at: XXX XX/XX/XXXX: Insurance and Liability Uploaded   XX/XX/XXXX: Insurance and Liability Received XX/XX/XXXX   D A D A A A D A N/A N/A D A D N/A D A D N/A D A D N/A D A D N/A D A D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102514 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102517 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Entity Documentation - Missing or Defective Missing Operating Agreement for Entity: XXX XX/XX/XXXX: Operating Agreement Uploaded   XX/XX/XXXX: Operating Agreement Uploaded XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102517 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Entity Documentation - Missing or Defective Missin Articles Of Organization for entity: XXX XX/XX/XXXX: Articles Of Orangization Uploaded   XX/XX/XXXX: Articles of Organization Uploaded XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102319 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Entity Documentation - Missing or Defective Missing Operating Agreement for borrowing entity: XXX XX/XX/XXXX: Per the EIN this is a XXX entity, OA is not required   XX/XX/XXXX: EIN received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102526 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102529 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102367 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Sales Contract Missing or Defective Missing purchase contract for subject property XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102445 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102448 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Missing, Inadequate, or Incomplete Project Document Budget in file reflects an address of XXX but subject property is XXX. Please provide rehab budget for XXX.  XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102448 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Appraisal Missing or Defective Budget in appraisal reflects an address of XXX but subject property is XXX. Please provide updated appraisal with correct rehab budget for XXX.  XX/XX/XXXX: this is the same structure for multiple loans and properties. The sponsor is using the same budget   XX/XX/XXXX: Confirmed the budget aligns across both properties XX/XX/XXXX   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102451 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Hazard Insurance Missing or Defective Hazard Insurance for subject property: XXX is missing ISAOA/ATIMA. Please provide updated hazard insurance with mortgagee clause. XX/XX/XXXX: uploaded   XX/XX/XXXX: Document sufficient XX/XX/XXXX   C A C A C A A A N/A N/A C C A N/A C C A N/A C C A N/A C C A N/A C C A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102397 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Hazard Insurance Missing or Defective Hazard Insurance coverage is insufficient: Dwelling Coverage: $XXX < $XXX. No RCE in file. Please provide sufficient coverage.  XX/XX/XXXX: RCE Uploaded   XX/XX/XXXX: RCE Received XX/XX/XXXX   D A C A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102400 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Closing Disclosure/Settlement Statement Missing or Defective Missing Settlement Statement/HUD XX/XX/XXXX: uploaded   XX/XX/XXXX: Document sufficient XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102400 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Hazard Insurance Missing or Defective $XXX Hazard coverage < $XXX minimum coverage required. No RCE XX/XX/XXXX: uploaded   XX/XX/XXXX: Document sufficient XX/XX/XXXX   D A C A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102418 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102421 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102430 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102436 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102433 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102442 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102454 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102469 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Credit Report Missing or Defective Missing Social Security Number (SSN) for G2: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102472 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Credit Report Missing or Defective Missing Social Security Number (SSN) for G2: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102475 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Credit Report Missing or Defective Missing Social Security Number (SSN) for G2: XXX XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102463 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102466 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102481 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102502 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102493 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Acknowledged XXX Property Appraisal Aged Appraisal for subject property XXX is dated XX/XX/XXXX, 1004D XX/XX/XXXX and aged XXX days. Market conditions could have changed, please provide an updated appraisal.  XX/XX/XXXX: Team - please waive this with compensating factors that 1) 65% LTV 2) liquidity XXX the requirement 3) FICOs XXX/XXX  4) total exp of XXX and 5) internal appraisal review is within seasoning and fully supportive   XX/XX/XXXX: Exception approval received XX/XX/XXXX FICO XXX, Experience XXX, AILTV 65% C B C B A A C B N/A N/A C A C N/A C A C N/A C A C N/A C A C N/A C A C N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
6102520 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102484 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Entity Documentation - Missing or Defective Missing EIN for borrowing entity: XXX XX/XX/XXXX: EIN Uploaded   XX/XX/XXXX: EIN Received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102484 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Hazard Insurance Missing or Defective Hazard insurance policy is missing ISAOA/ATIMA after lender's name. Please provide updated hazard policy XX/XX/XXXX: attached   XX/XX/XXXX: Document sufficient XX/XX/XXXX   D A C A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102505 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102496 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Acknowledged XXX Property Appraisal Aged Appraisal for subject property XXX is dated XX/XX/XXXX, 1004D XX/XX/XXXX and aged XXX days. Market conditions could have changed, please provide an updated appraisal.  XX/XX/XXXX: Team - please waive this with compensating factors that 1) 65% LTV 2) liquidity XXX the requirement 3) FICOs XXX/XXX  4) total exp of XXX and 5) internal appraisal review is within seasoning and fully supportive   XX/XX/XXXX: Exception approval received XX/XX/XXXX FICO XXX, Experience XXX, AILTV 65% C B C B C A C B N/A N/A C C C N/A C C C N/A C C C N/A C C C N/A C C C N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
6102496 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Hazard Insurance Missing or Defective Hazard insurance policy is missing ISAOA/ATIMA after lender's name. Please provide updated hazard policy XX/XX/XXXX: uploaded   XX/XX/XXXX: Received XX/XX/XXXX   C B C A C A C B N/A N/A C C C N/A C C C N/A C C C N/A C C C N/A C C C N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
6102322 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Entity Documentation - Missing or Defective Missing Operating Agreement for borrowing entity: XXX XX/XX/XXXX: Per the EIN this is a XXX entity, OA is not required   XX/XX/XXXX: EIN received XX/XX/XXXX   D A D A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102499 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Acknowledged XXX Property Appraisal Aged Appraisal for subject property XXX is dated XX/XX/XXXX and aged XXX days. Market conditions could have changed, please provide an updated appraisal.  XX/XX/XXXX: Team - please waive this with compensating factors that 1) 48% LTV 2) liquidity XXX the requirement 3) FICOs XXX/XXX  4) total exp of XXX and 5) internal appraisal review is within seasoning and fully supportive   XX/XX/XXXX: Exception approval received XX/XX/XXXX FICO XXX, AILTV 47%, XXX C B C B C A C B N/A N/A C C C N/A C C C N/A C C C N/A C C C N/A C C C N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
6102499 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Hazard Insurance Missing or Defective Hazard insurance policy is missing ISAOA/ATIMA after lender's name. Please provide updated hazard policy XX/XX/XXXX: attached   XX/XX/XXXX: Document sufficient XX/XX/XXXX   C B C A C A C B N/A N/A C C C N/A C C C N/A C C C N/A C C C N/A C C C N/A B A B N/A B A B N/A B A B N/A B A B N/A B A B N/A
6102490 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102106 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102379 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Excessive LTV Ratio 90% AILTV > 85% maximum allowed per acquisition criteria; Bridge, Purchase XX/XX/XXXX: this loan is a fix and flip with $XXX structured as construction holdback   XX/XX/XXXX: Confirmed loan is structured as fix and flip, tape updated XX/XX/XXXX   D A C A D A D A N/A N/A D D D N/A D D D N/A D D D N/A D D D N/A D D D N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102370 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX Credit Excessive LTV Ratio 115% LTC > 95% maximum allowed per acquisition criteria; Fix and Flip, Purchase XX/XX/XXXX: Purchase price of $XXX and settlement charges of $XXX (excluding the $XXX in origination fees). Cost basis calculating at $XXX

Total Loan Amount of $XXX and financed rehab of $XXX. Since it's XXX this is structured as a separate Building Loan for the financed budget portion of $XXX.

Hence, initial loan amount is $XXX which brings LTC to 84.81%		   XX/XX/XXXX: Disbursement sheet confirms $XXX holdback for initial loan amount of $XXX bringing LTC within guideline requirements XX/XX/XXXX   D A C A D A A A N/A N/A D D A N/A D D A N/A D D A N/A D D A N/A D D A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6101845 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A
6102346 XXX XXX XXXXX XX/XX/XXXX XXX XXX ATR/QM: Exempt Closed XX/XX/XXXX Cleared XXX No Findings No Findings The loan meets all applicable guidelines.  XX/XX/XXXX: Clear   XX/XX/XXXX: Clear XX/XX/XXXX   A A A A A A A A N/A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A A A A N/A