Exhibit 99.07 - Schedule 2
| Exception Detail |
| Run Date - 08/12/2026 11:28:13 AM |
| Evolve Loan ID | Customer Loan ID | Seller Loan ID | Loan Exception ID | Exception ID | Exception Date | Exception Type | Exception Category | Exception Subcategory | Exception | Exception Detail | Exception Information | Exception Remediation | Compensating Factors | Follow-up Comments | Cleared Date | Cured Date | Waived Date | Exception Level Grade | Exception Level Rating | Note Date | Property State | Occupancy | Purpose | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Final Loan Grade | Compliance Initial Loan Grade | Compliance Final Loan Grade | Property Initial Loan Grade | Property Final Loan Grade | Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| 1698986 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535658 | 323 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Requirements for Program | XXXXXXXXXXX XXXXXXXX XXXXXXX requirement not met. XXXX guidelines, XXXXXX lines evidenced via credit reference letters from verified financial institutions (including those where savings/checking accounts are maintained) in the borrower’s country of origin. XXXX tradelines provided are for banking accounts. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXX where the guideline maximum is XXXXX XXXX XXXXXXXXX XXXXXXX of XXXXXXXXXXXXXX where the guideline minimum is XXXXXXXX and XXXXX XXXXXXXX XXXXXXXXX of XXXXXXX months where the guideline requirement is XXX months. | 06/08/2026 | B | 2 | XXXXXXXXXX | TX | 2 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | |||||||
| 1698988 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535659 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXXXXXX XXXXXXX XXXXXXX XXXX XXXX | 07/01/2026 | A | 1 | XXXXXXXXXX | TN | 3 | 3 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||||
| 1698988 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535660 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXXXXXX final XXX from refinance of XXXX xXXXXX to provide needed XXXXXX | TPS XXXXXX XXXXXXXXXX | 07/01/2026 | A | 1 | XXXXXXXXXX | TN | 3 | 3 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1698988 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535661 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXXXXXXXXXX statements are required for all liens recorded on title. | Payoff provided | 07/02/2026 | A | 1 | XXXXXXXXXX | TN | 3 | 3 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1698989 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535663 | 72 | XXXXXXXXXX | Credit | Closing Package | Closing Package - | XXXXXXX provide the XXXXXXXXX XXXXXXXXXX | 06/11/2026 | A | 1 | XXXXXXXXXX | GA | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||||
| 1698991 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535664 | 884 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Information provided | 06/10/2026 | A | 1 | XXXXXXXXXX | UT | 1 | 1 | C | A | C | A | C | A | A | A | Non-QM | 1 | ||||||||
| 1698991 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535665 | 970 | XXXXXXXXXX | Compliance | Compliance | Compliance - CD- Missing | XXXXXX XXX is missing. | Information provided | 06/10/2026 | A | 1 | XXXXXXXXXX | UT | 1 | 1 | C | A | C | A | C | A | A | A | Non-QM | 1 | |||||||
| 1698997 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535669 | 437 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXXXXXXXXX require a verbal XXXX for all borrowers within XXX days of the note date. XXX XXXXXX were provided for either borrower. | Received XXX day XXXXXX | 07/08/2026 | A | 1 | XXXXXXXXXX | TX | 1 | 1 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1698997 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535670 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXXXXXX for the full doc expanded loan program reflect a minimum of XX tradelines with XX active are required. XXXXXXXXX such as XXXXXXXX accounts and XXXXXXXXXXX XXXXX accounts are not allowable as tradelines. XXXX XXXXXXXXXXXX is the primary wage but does not have the required tradelines. | Client waived with compensating factors - XX months reserves - XX months minimum, XXXX XXXXXX max XXXXX | 07/08/2026 | B | 2 | XXXXXXXXXX | TX | 1 | 1 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1698999 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535671 | 884 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Information provided | 06/25/2026 | A | 1 | XXXXXXXXXX | TX | 2 | 1 | C | A | A | A | C | A | A | A | Non-QM | 1 | ||||||||
| 1698999 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535672 | 898 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | XXXXX is failing XXX tolerance for the increase in the XXXXXXX XXXXXXX XXXXXXX fee on the final XXX without a valid explanation. XXXXXXXXXX amount is XXXXXXXXXXX XXXXX a XXXXX with cure, lox to borrower, proof of refund, and evidence of payment shipped, all within XXX days of consummation XXXXXX | Information provided | 06/25/2026 | A | 1 | XXXXXXXXXX | TX | 2 | 1 | C | A | A | A | C | A | A | A | Non-QM | 1 | |||||||
| 1699001 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535673 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXX provided for approval of XXXXX time investor receiving gift funds of XXXX on an investment purchase using the XXXXX loan program with only XXX of own funds. | Client waived with compensating factors: XXX credit file since XXXXXX XXXXX XXXXXX in assets after close; good mortgage history XXXXXXX | 06/08/2026 | B | 2 | XXXXXXXXXX | LA | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1699002 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535675 | 327 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Satisfactory 12 mth Rental | XXXXXXXXXXX homebuyer status is intended for the borrower who has never had an ownership interest in residential real estate. XXXXXX time homebuyer requirements can be waived with senior management discretion. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXXX where the guideline maximum is XXXXX XXXX XXXXXXXXX XXXXXXX of XXXXXXXXXXXXX where the guideline minimum is XXXXXXX and XXXXX XXXXXXXX XXXXXXXXX of XXXXXX months. | 06/21/2026 | B | 2 | XXXXXXXXXX | IL | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1699008 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535677 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXXXXXX final XXXXX | received | 07/02/2026 | A | 1 | XXXXXXXXXX | FL | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1699009 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535680 | 824 | XXXXXXXXXX | Credit | Title Policy | Title Policy - is missing. Final ALTA title policy required. | XXXXXXX provide the title. | Information provided | 06/23/2026 | A | 1 | XXXXXXXXXX | CT | 1 | 1 | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1699010 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535682 | 601 | XXXXXXXXXX | Credit | Note | Note - Compliance \ Note - POA must be executed, signed and notarized | XXXXX closes using an XXXXXXXXX in XXXXX XXXXXXXXX XXXXXXX provide XXXXX signed and notarized. | Information provided | 06/15/2026 | A | 1 | XXXXXXXXXX | FL | 3 | 1 | D | B | D | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1699010 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535683 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX months' rent loss coverage required. XXXX included in policy. | Client waived with compensating factors: brws are experienced investors. XXXX months XXXXXXXXX required, brws provided more than XXXX months available. XXXXXXXXX income required XXXXXXXX brws provided XXXXXXXXXXXXX residual income. | 06/15/2026 | B | 2 | XXXXXXXXXX | FL | 3 | 1 | D | B | D | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1699010 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535684 | 1006 | XXXXXXXXXX | Credit | UW Approval | UW Approval - UW Approval - 1008 or 92900 LT missing | XXXXXX XXXXX XXXXXXXX does not list correct employer, age, or income for brw XXXX XXXXXXXX corrected final loan approval. | Received revised loan approval | 06/16/2026 | A | 1 | XXXXXXXXXX | FL | 3 | 1 | D | B | D | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1699010 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535685 | 350 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - LTV/CLTV does not meet parameters | XXXX condo development no stacking. XXXX XXXX | Client waived with compensating factors: brws are experienced investors. XXXX months XXXXXXXXX required, brws provided more than XXXX months available. XXXXXXXXX income required XXXXXXXX brws provided XXXXXXXXXXXXX residual income. | 06/15/2026 | B | 2 | XXXXXXXXXX | FL | 3 | 1 | D | B | D | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1699011 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535686 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXX returns and/or lease agreements for investment properties are missing from the file. XXXXXXX estimated rents used to determine rental income. XXX used the lesser or XXXXXXX and current rents. XXX exception may be required to use XXXXXXX estimated rents with no tax returns or leases in file. | Received exception approval for use of XXXXXX XXXXXXXXXXXXX XXXXXXXX - score XXXXX XXXXX XXXXX reserves XXX months - min XX months, XXXXXXXXXX residual income | 06/24/2026 | B | 2 | XXXXXXXXXX | AZ | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1699012 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535687 | 998 | XXXXXXXXXX | Credit | UW Other | UW Other - UW - Title Commitment is missing or requires correction. | XXXXXXXX updated title commitment in an amount greater than or equal to the subject loan amount. XXXXXX coverage provided in the amount of XXXXXXXXXX is less than the XXXXXXXXXX loan amount. | Received revised title | 06/23/2026 | A | 1 | XXXXXXXXXX | CO | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1699012 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535688 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | 06/22/2026 | A | 1 | XXXXXXXXXX | CO | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | ||||||||
| 1699012 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535689 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX loan approval is missing from the loan file. XXXX credit review is on hold until documents are received. | 06/22/2026 | A | 1 | XXXXXXXXXX | CO | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | ||||||||
| 1699012 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535690 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXXX documentation to verify the borrower's current residence XXXX monthly dues are XXXXXXX | Document received reflects XXXX for former primary home is XXXXX per month | 06/23/2026 | A | 1 | XXXXXXXXXX | CO | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1699015 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535694 | 322 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit - Minimum FICO | XXXXXXXX credit score per program is XXXXXX XXXXXXXXX credit score is XXXXXX | Exception approval received, XXX % XXXX XXXX max, XXX months reserves - XXXX min, owned subject property for XXX years. | 06/22/2026 | B | 2 | XXXXXXXXXX | CA | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1699017 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535695 | 998 | XXXXXXXXXX | Credit | UW Other | UW Other - UW - Title Commitment is missing or requires correction. | XXXXXXXX XXXXXX commitment with corrected XXXXXXXX amount of XXX XXXXXXXXX | Received revised title | 06/25/2026 | A | 1 | XXXXXXXXXX | CO | 1 | 1 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1699017 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535696 | 351 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - DTI exceeds maximum limit | XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXX XXXXXXXXX XXXX over XXXXX XXXXXXXX | COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXXX XXXXXXXXX XXXX XXXXXX when only XX yrs required, XXXXX XXXX when min required XXXXX is XXXXX XXXXXXX months reserves when only XX months reserves required. | 06/18/2026 | B | 2 | XXXXXXXXXX | CO | 1 | 1 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1699017 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535697 | 327 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Satisfactory 12 mth Rental | XX XXX month housing history is required. XXX housing history for the borrower was provided. | Client XXXXXXX XXXXXXX XXXXXXXXX XXXXXXXXX XXXX XXXXXX when only XX yrs required, XXXXX XXXX when min required XXXXX is XXXXX XXXXXXX months reserves when only XX months reserves required. | 06/22/2026 | B | 2 | XXXXXXXXXX | CO | 1 | 1 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1699018 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535698 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX XXXX for borrowers on a fixed income is XXXXXX XXXXXXXXX XXXX XXXXXXXXXX | Client waived with compensating factors: XXXX months reserve when XX required. XXXXX XXXX when the minimum requirement is XXXXX XXXXXXXX XXXX when the max allowed is XXXXXX | 06/18/2026 | B | 2 | XXXXXXXXXX | FL | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1699024 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535704 | 884 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | 07/16/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 3 | C | A | C | A | C | A | A | A | Non-QM | 1 | |||||||||
| 1699024 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535706 | 328 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Satisfactory 12 mth Mortgage | XXXX guidelines require XXX months of housing history. XXXX file contains mortgage statements from XXXXXXXX - XXXXXXXX to verify the mortgage payment, which is only XXX months. XXXX file is missing XX additional month of mortgage verification. | Received additional month XXXXXXX XXXXXXX mortgage payment | 07/09/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 3 | C | A | C | A | C | A | A | A | Non-QM | 1 | |||||||
| 1699025 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535709 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXXX is missing from the file | 06/24/2026 | A | 1 | XXXXXXXXXX | NV | 1 | 1 | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||||
| 1699025 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535710 | 884 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Information provided | 06/29/2026 | A | 1 | XXXXXXXXXX | NV | 1 | 1 | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||||
| 1699025 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535711 | 898 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | XXXXX is failing XXX tolerance for the increase in XXXXXXXXX XXXXXX in XXXX XXX and failing XXXX tolerance for increase in XXXXXXXXXX fee in XXXX XXXX XXXXXX violation amount is XXXXXXXXXX of which the final XXX cured XXXXXXXXXX leaving XXXXX cents left to be cured. XXXXX a XXXXX with full cure, lox to borrower, and proof of refund, all within XXX days of consummation XXXXXX | Information provided | 06/29/2026 | A | 1 | XXXXXXXXXX | NV | 1 | 1 | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1699027 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535714 | 868 | XXXXXXXXXX | Credit | Hazard Insurance | Hazard Insurance - Other: | XXXXXXX provide the condo master policy. | Information provided | 07/10/2026 | A | 1 | XXXXXXXXXX | FL | 2 | 1 | C | B | C | B | A | A | C | B | Non-QM | 1 | |||||||
| 1699027 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535715 | 350 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - LTV/CLTV does not meet parameters | XXXXXXXX XXXX XXXX on second home purchase. XXXX is XXXX due to loan size. | Client waived with compensating factors: XXXXXXXXXXX residual income where XXXXX is required, XXXXX is XXXX where XXXX is required, XXX months reserves where XX is required. | 07/09/2026 | B | 2 | XXXXXXXXXX | FL | 2 | 1 | C | B | C | B | A | A | C | B | Non-QM | 1 | |||||||
| 1699027 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535716 | 850 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Escalated for 2nd review. | XXXXXX loan amount > XXXXXXXXXXXXXXXX | Client waived with compensating factors: XXXXXXXXXXX residual income where XXXXX is required, XXXXX is XXXX where XXXX is required, XXX months reserves where XX is required. | 07/09/2026 | B | 2 | XXXXXXXXXX | FL | 2 | 1 | C | B | C | B | A | A | C | B | Non-QM | 1 | |||||||
| 1699027 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535717 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXX condo to be classified as warrantable. | Client waived with compensating factors: XXXXXXXXXXX residual income where XXXXX is required, XXXXX is XXXX where XXXX is required, XXX months reserves where XX is required. | 07/09/2026 | B | 2 | XXXXXXXXXX | FL | 2 | 1 | C | B | C | B | A | A | C | B | Non-QM | 1 | |||||||
| 1699027 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535718 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXXX XXXX with several layers. XXXX owned by XXXX owned by trust. | Client waived with compensating factors: XXXXXXXXXXX residual income where XXXXX is required, XXXXX is XXXX where XXXX is required, XXX months reserves where XX is required. | 07/09/2026 | B | 2 | XXXXXXXXXX | FL | 2 | 1 | C | B | C | B | A | A | C | B | Non-QM | 1 | |||||||
| 1699028 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535719 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXXXXX asset qualifier on XXXX home. | Client waived with compensating factors: XXXXXXXXXX in residual income where XXXXX is required, XXXXXXXX months reserves where none were required, XXXXXXXX XXXXX where minimum of XXXX is required. | 07/13/2026 | B | 2 | XXXXXXXXXX | MA | 2 | 13 | C | B | C | B | A | A | C | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1699031 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535721 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXXXXXX final XXX of the bridge loan providing cash to close. | 07/06/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 1 | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||||
| 1699035 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535727 | 447 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - 2yr Employment history not verified | XXXXXXXXX borrower being self employed less than XX years. | Client waived with compensating factors: XXXXXXXXX income of XXXXXXXXXXX where XXXXXXX is required, XXXXXX months reserves where XX months is required, XXXXX of XXXXXXXX where XXXX is minimum required | 06/22/2026 | B | 2 | XXXXXXXXXX | UT | 1 | 1 | D | B | D | B | A | A | C | B | Non-QM | 1 | |||||||
| 1699035 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535728 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXX subject property not listed. | Client waived with compensating factors: XXXXXXXXX income of XXXXXXXXXXX where XXXXXXX is required, XXXXXX months reserves where XX months is required, XXXXX of XXXXXXXX where XXXX is minimum required | 06/22/2026 | B | 2 | XXXXXXXXXX | UT | 1 | 1 | D | B | D | B | A | A | C | B | Non-QM | 1 | |||||||
| 1699035 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535729 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXXXX use of higher value, variance in value between appraisal and appraisal review. | Client waived with compensating factors: XXXXXXXXX income of XXXXXXXXXXX where XXXXXXX is required, XXXXXX months reserves where XX months is required, XXXXX of XXXXXXXX where XXXX is minimum required | 06/22/2026 | B | 2 | XXXXXXXXXX | UT | 1 | 1 | D | B | D | B | A | A | C | B | Non-QM | 1 | |||||||
| 1699036 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535730 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXXXXXX credit report for XXXXXXXXX XX XXXXXX ending xXXXX) and XXXXXXXXXXXX XX XXXXXX ending xXXXX). XXXXXXXXXXXXXX the XXXXXXX loan was not provided. | 07/01/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||||
| 1699036 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535731 | 322 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit - Minimum FICO | XXXXXXXXXXX require a minimum XXXXX of XXXX for a purchase and XXXX for a XXXXXXX loan. XXXXXXXXX XX -primary wage earner has a XXXXX of XXXXXX | Client waived with compensating factors: XXX and XXX XXXXXX XXXXXXXXX XXXX mortgage seasoning all paid XXXX XXXXXXXXX residual income | 07/01/2026 | B | 2 | XXXXXXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1699038 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535732 | 446 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Evidence income continues at least 3 years | XXXXXXX of XXXXXXXX is being used to qualify the loan from a distribution. XXXX XXXX statement for the account being used reflects only XXX months of continuance instead of the required XXX months. XXXXXXX approved exception in file for the XXX months. | FICO score of XXXX when XXXX is required. XXXXXXXXX XXXXXXX of XXXXXXXX when XXXXXXXX is required. XXXXXXXXX of over XXX months when XX months is required. XXXXXXXXXXX owned for over XXX years with no late payments noted. | 07/07/2026 | B | 2 | XXXXXXXXXX | AZ | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1699038 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535733 | 351 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - DTI exceeds maximum limit | XXXX verified XXXX is XXXXXXXX due to the lender calculating the XXXXXXX XXXXXXXXX grossed up income incorrectly. XXXXXXX used XXXXXXXXXXXX instead of the verified amount of XXXXXXXXXXXX for the borrower and XXXXXXXXXXXX instead of the verified amount of XXXXXXXXXXXX for the co-borrower. XXXX file contains a lender approved exception for up to XXXX only. | Received loan approval and XXX analysis for income calculations. | 07/07/2026 | A | 1 | XXXXXXXXXX | AZ | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1699040 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535734 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXX borrowers are under the XXX month XXXX statement program which requires that the borrowers be self-employed. XXXX co-borrower owns less than XXXX of the business and is not considered self-employed. | Client waived with compensating factors: XXXXX is XXXX with a minimum XXXXX of XXXXXX XXXX XXXX is XXXXXXXXX with the max XXXX of XXXXXX XXXX borrowers have been homeowners for XXX years. | 06/23/2026 | B | 2 | XXXXXXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1699040 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535735 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXXXXXX XXXXXX XXXXXXX XXXXX XXX for XXXXXX XXXXX XXXX XXXXXXXXXX XXX XXXXXXXX XXXXXXXXX listed at XXXXXXXXXXXXXXX | 06/24/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||||
| 1699040 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535736 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXXX explanation and approval for payment shock over XXXXXX under the XXXXXX XXXXXX XXXX XX program the payment shock needs client approval over XXXXXX and not to exceed XXXXXXX | Client waived with compensating factors: XXXXX is XXXX with a minimum XXXXX of XXXXXX XXXX XXXX is XXXXXXXXX with the max XXXX of XXXXXX XXXX borrowers have been homeowners for XXX years. | 06/25/2026 | B | 2 | XXXXXXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1699043 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535738 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXXXXXX final XXXXX | received | 07/01/2026 | A | 1 | XXXXXXXXXX | SC | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1699047 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535740 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXX programs require XXXX to be verified with award letter and XXXX statement. XXXXXXXXX is using distributions from investment account to qualify. XXXXXXXXXX approval from senior management in file allowing for distribution income to be used instead of XXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXXXXX reserves when XX months required, and XXXX fico score where the minimum required is XXX | 06/24/2026 | B | 2 | XXXXXXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1699049 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535741 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXXXXX XXXXXXX for XXXX XX missing from file. | 07/13/2026 | A | 1 | XXXXXXXXXX | TN | 1 | 1 | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||||
| 1699049 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535742 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXXXXXX final XXX for bridge loan | 07/14/2026 | A | 1 | XXXXXXXXXX | TN | 1 | 1 | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||||
| 1699049 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535743 | 437 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXXXXXX XXXXXXXXX XXXXX for XXXX XXXX | Received XXXX | 07/14/2026 | A | 1 | XXXXXXXXXX | TN | 1 | 1 | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1699049 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535744 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXXXXXXXX require a XXXXXXXXXXXXXXXX questionnaire be provided when utilizing XXXXX income. XXX XXXX was provided. | Received XXX | 07/15/2026 | A | 1 | XXXXXXXXXX | TN | 1 | 1 | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1698928 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12665251 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXX report reflects a fraud alert/consumer statement and no documentation was provided to clear the alert. | Received processor's cert | 07/01/2026 | A | 1 | XXXXXXXXXX | CT | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1699051 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535748 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | 06/29/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 1 | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||||
| 1699052 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535749 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXX program with XXXXX less than XXXXX does not allow vacant rental properties. XXXXXXXXXX approval from senior management allowing subject to be vacant with copy of rental listing provided. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX reserves when only XXXXXXXX required, and XXXX fico score where the minimum required is XXX | 07/01/2026 | B | 2 | XXXXXXXXXX | TN | 3 | 3 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1699053 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535750 | 357 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - Cash Back Exceeds Limit | XXXX borrower received XXXXXXXXXXXXXX cash-out when XXXXXXXXXX is the maximum cash-out on an XXXXXXXXX XXXXX XXXXX XXXXXXXXX XXXXXXXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXX when the max allowed is XXXXX XXXXXXXX months reserves when only XX months required; XXXXXXXX mortgage rating when XXXXXXXX is allowed. | 06/24/2026 | B | 2 | XXXXXXXXXX | ID | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1699053 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535751 | 455 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - Does not meet requirement for Financed Prop | XXXX subject property is a XXXXXX XXXXXXXXX which is an ineligible property type for an XXXXXXXXX XXXXX XXXXX XXXXXXXXX XXXXXXXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXX when the max allowed is XXXXX XXXXXXXX months reserves when only XX months required; XXXXXXXX mortgage rating when XXXXXXXX is allowed. | 06/24/2026 | B | 2 | XXXXXXXXXX | ID | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1699054 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535752 | 884 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Information provided | 07/02/2026 | A | 1 | XXXXXXXXXX | OR | 2 | 1 | C | B | C | B | C | B | A | A | Non-QM | 1 | ||||||||
| 1699054 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535753 | 898 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | XXXXX is failing XXX tolerance for the increase in the XXXXXXX XXXXXXX XXXXXXX fee on the XXXXX XXXXXX XXXXXXXXXX amount is XXXXXXXXXXXX XXXXX a XXXXX with cure, lox to borrower, proof of refund, and evidence of payment shipped, all within XXX days of consummation XXXXXX | 07/02/2026 | B | 2 | XXXXXXXXXX | OR | 2 | 1 | C | B | C | B | C | B | A | A | Non-QM | 1 | ||||||||
| 1699054 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535754 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXXXXXX require a minimum of XX current active tradelines. XXXXXXXXX has just XX active tradeline. | Client waived with compensating factors: XXXXX pride in ownership living in primary over XXX years; XXXXXXXXX self-employed for XXX years; XXXXXXXXXX are experienced investors owning XX investment properties; | 06/24/2026 | B | 2 | XXXXXXXXXX | OR | 2 | 1 | C | B | C | B | C | B | A | A | Non-QM | 1 | |||||||
| 1699055 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535755 | 29 | XXXXXXXXXX | Valuation | Appraisal | Appraisal - is missing | XXXXX XXXXXXXXXX missing | Information provided | 07/14/2026 | A | 1 | XXXXXXXXXX | NC | 1 | 13 | D | A | D | A | A | A | C | A | Non-QM | 1 | |||||||
| 1699056 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535759 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX final closing disclosure reflects escrow holdback of XXXXXXXXXXX XXXXXXXXXXX require senior management approval for all escrow holdbacks. XXXXXXX approved exception in file. | LTV is XXXXXXXX when XXXX is required. XXXXX XXX months of reserves when XXX months is required. XXXXX is XXXXXX when XXXXXX is required. XXXX credit utilization of XXXX | 07/15/2026 | B | 2 | XXXXXXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1699056 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535760 | 352 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - Not Eligible for escrow waiver | XXXX loan was approved under the XXXXXXXX XXXXXXXXX program which does not allow escrow waivers. XXX escrow account was not set-up. XXXXXXX approved exception in file. | LTV is XXXXXXXX when XXXX is required. XXXXX XXX months of reserves when XXX months is required. XXXXX is XXXXXX when XXXXXX is required. XXXX credit utilization of XXXX | 07/15/2026 | B | 2 | XXXXXXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1699059 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535765 | 1014 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income calculation worksheet self employed | XXXXXXXXXXX for the XXXX statement loan program require a XXXX statement income analysis be provided. XXX analysis was included in the file. | Received XXXX statement income worksheet | 07/07/2026 | A | 1 | XXXXXXXXXX | ID | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1699060 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535767 | 447 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - 2yr Employment history not verified | XXXX loan was approved under the XXXXXX XXXXXX XXXXX XXXXXXXXXX program. XXXX borrower has only been self-employed since XXXXXXXXX which is less than the required XX years. XXXXXXX approved exception in file. | DTI is XXXXXXXX when XXXX is allowed. XXXX is XXXXXXXX when XXXX is allowed. XXXXXXX score is XXXX when XXXX is required. XXXXXXXXX income is XXXXXXXX when XXXXXXXX is required. XXXXXXXXX are XXXXXXXXX when no reserves are required. | 07/10/2026 | B | 2 | XXXXXXXXXX | WA | 1 | 1 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1699060 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535768 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX borrower is a XXXXXX XXXXX XXXXX XXXXXXXX XXXX guidelines require a XXX month rental history and payment shock not to exceed up to XX times for a XXXXXX XXXXX XXXXX XXXXXXXX XXXX borrower lives rent free and has no rental history; therefore, no payment shock can be calculated. XXXXXXX approved exception in file. | DTI is XXXXXXXX when XXXX is allowed. XXXX is XXXXXXXX when XXXX is allowed. XXXXXXX score is XXXX when XXXX is required. XXXXXXXXX income is XXXXXXXX when XXXXXXXX is required. XXXXXXXXX are XXXXXXXXX when no reserves are required. | 07/10/2026 | B | 2 | XXXXXXXXXX | WA | 1 | 1 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1699061 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535770 | 455 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - Does not meet requirement for Financed Prop | XXXXXXXX property is a XXXXXXXXX and involved in litigation. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months are required; XXXX XXXX when XXXX is the max XXXXX XXXXXX XXXXX when XXXXXX XXXXX is allowed. | 06/26/2026 | B | 2 | XXXXXXXXXX | NV | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1699062 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535773 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | he guidelines for the XXXXX XXXXX XXXXX XXXXXXXX requires all units to have at least XXXX square feet. XXXXX of the units have less than XXXX square feet. XXXXXXX approved exception in file. | Credit XXXXXX of XXXX when XXXX is required. XXXXXXXXX of XXXXXXXXXX when XXXXXXXXX is required. XXXXX of XXXXXXX when XXXXXX is required. XXXX XXXX when XXXX is allowed. | 07/10/2026 | B | 2 | XXXXXXXXXX | LA | 3 | 1 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1699062 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535772 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | he guidelines for the XXXXX XXXXX XXXXX XXXXXXXX requires the borrower to have experience with multi-family properties. XXXX borrower only has single family experience. XXXXXXX approved exception in file. | Credit XXXXXX of XXXX when XXXX is required. XXXXXXXXX of XXXXXXXXXX when XXXXXXXXX is required. XXXXX of XXXXXXX when XXXXXX is required. XXXX XXXX when XXXX is allowed. | 07/10/2026 | B | 2 | XXXXXXXXXX | LA | 3 | 1 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1699064 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535774 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXX XXXXXXXX approved dividing asset income by XXX months versus XXXX months XXX XXXXXXXXX XXXXXXX exception. XXXXXXXXX XXXXXXX when using XXXX months income is XXXXXXXXXXX versus the required XXXXXXX a month. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX on past XXXXXXXXX XXXXXXXXX loan just paid off),. XX months reserves are required but XXXXXXXXX has XXXXXXXX months reserves. XXXXXXXX credit score for XXXX XXXX is XXXXXX XXXXX qualifying credit score is XXXXX | 07/16/2026 | B | 2 | XXXXXXXXXX | AR | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1699064 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535775 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXX per XXXXXXXXX guidelines for the XXXXXX XXXXXXXXXX program, you need to divide the assets by XXXX XXXXXXXXX XXX XXXXXXXXXXX made an exception to divide by XXX months. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX on past XXXXXXXXX XXXXXXXXX loan just paid off),. XX months reserves are required but XXXXXXXXX has XXXXXXXX months reserves. XXXXXXXX credit score for XXXX XXXX is XXXXXX XXXXX qualifying credit score is XXXXX | 07/15/2026 | B | 2 | XXXXXXXXXX | AR | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1699065 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535776 | 350 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - LTV/CLTV does not meet parameters | XXXX XXXX max XXXX was exceeded for the investor cash flow cash out refinance of a non warrantable condo. XXXX loan had an XXXX of XXXXXXXXXXX | Client waived with compensating factors: XXXX XXXXX is over XXXXXX at XXXXXXXXX XXXX reserves are XXXXXXXXXXXXX or XXX months with the minimum reserves at XX months. XXXX borrower has owned the subject property for XX years with XXXXXXXXXX XXXXXXXXX mortgage history is XXXXXXXXX | 07/14/2026 | B | 2 | XXXXXXXXXX | IA | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1699067 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535777 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXX payment shock greater than XXXXX | Client waived with compensating factors: XXXXXXXXXXX in residual income where XXXXXXXXXXX is required, XXXXXX months reserves where XX are required, XXXX XXXXX score where XXXX is required. | 07/15/2026 | B | 2 | XXXXXXXXXX | GA | 1 | 1 | C | B | C | B | A | A | C | B | Non-QM | 1 | |||||||
| 1699067 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535778 | 320 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXXXXXX XXXXXXX in gift funds in addition to their own funds for closing. | Client waived with compensating factors: XXXXXXXXXXX in residual income where XXXXXXXXXXX is required, XXXXXX months reserves where XX are required, XXXX XXXXX score where XXXX is required. | 07/15/2026 | B | 2 | XXXXXXXXXX | GA | 1 | 1 | C | B | C | B | A | A | C | B | Non-QM | 1 | |||||||
| 1699067 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535779 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXXXX XXXX XXXX for property being considered a unique property having no similar comps. XXXXXXXXX is rural. | Client waived with compensating factors: XXXXXXXXXXX in residual income where XXXXXXXXXXX is required, XXXXXX months reserves where XX are required, XXXX XXXXX score where XXXX is required. | 07/15/2026 | B | 2 | XXXXXXXXXX | GA | 1 | 1 | C | B | C | B | A | A | C | B | Non-QM | 1 | |||||||
| 1699070 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535781 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXXXX XXX for XXXXXXX loan is required for XXXXX XXXXXXXXXXXX XXXXXX XXXX | 07/13/2026 | A | 1 | XXXXXXXXXX | MD | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | ||||||||
| 1699070 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535782 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXXXXX report for XXX is required and not in file. | 07/14/2026 | A | 1 | XXXXXXXXXX | MD | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | ||||||||
| 1699070 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535783 | 437 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXX XXXXX earners require oral verification of employment, XXXXX is required on all XXXXXXXXXX no more than XXX days prior to loan funding. XXXXX required for XX | Received XXX day XXXX | 07/15/2026 | A | 1 | XXXXXXXXXX | MD | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1699070 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535784 | 437 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXX XXXXX earners require oral verification of employment, XXXXX is required on all XXXXXXXXXX no more than XXX days prior to loan funding. XXXXX required for XX | Received XXX day XXXX | 07/15/2026 | A | 1 | XXXXXXXXXX | MD | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1699071 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535786 | 902 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. | Information provided | 07/22/2026 | A | 1 | XXXXXXXXXX | TX | 1 | 3 | D | B | D | B | C | A | A | A | Non-QM | 1 | ||||||||
| 1699071 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535787 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXX XXXXXXXXX questionnaire missing from the file. | Received XXX | 07/09/2026 | A | 1 | XXXXXXXXXX | TX | 1 | 3 | D | B | D | B | C | A | A | A | Non-QM | 1 | |||||||
| 1699071 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535788 | 437 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXXX within XXX days of close missing from the file. | Received XXX day XXXX | 07/09/2026 | A | 1 | XXXXXXXXXX | TX | 1 | 3 | D | B | D | B | C | A | A | A | Non-QM | 1 | |||||||
| 1699071 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535789 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXXX limit properties to XXX acres. XXXXXXXXX in file to allow XXX acres. | Client waived with compensating factors: XXXX XXXXXX when the max allowed is XXXXXX XXXXX XXXX when the minimum requirement is XXXXX XXX months reserve when the minimum requirement is XX months reserve. | 07/09/2026 | B | 2 | XXXXXXXXXX | TX | 1 | 3 | D | B | D | B | C | A | A | A | Non-QM | 1 | |||||||
| 1699073 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535795 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX XXXXXXXX shock on any program is XXXXXXX XXXXXXXXX does not have current housing payment, and no XXXXXXXX XXXXXXXX XXXXXXXXXX approval in file from senior management allowing no payment shock or housing payment. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXXX reserves when only XXXXXXX required, and XXXX fico score where the minimum required is XXX | 07/13/2026 | B | 2 | XXXXXXXXXX | IN | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1699074 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535798 | 350 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - LTV/CLTV does not meet parameters | XXXXX XXXXXXXXXXX approval XXXX XXXX on a XXXXXX XXXX allowed is XXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXXX of XXXXXXX where the minimum required is XXXXXX XXXX fico score where the minimum required is XXXXXX | 06/29/2026 | B | 2 | XXXXXXXXXX | CA | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1699075 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535803 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXX per XXXXXXXXX guidelines, a subject property must be XXXXXX XXXXX XXXXXXXX property is less than XXXX XXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX XXXXX is XXXXX but loan XXXXX is XXXXXXXX XXXXXXXX primary mortgage is XXXXXXXXXX XXXXXXXX of XX months reserves. XXXXXXXXX has XXXXXXX months reserves. | 07/13/2026 | B | 2 | XXXXXXXXXX | SC | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1699075 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535804 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXXX require properties with less than XXXX square feet to have a full kitchen. XXXXXXXXX in file to allow kitchen with no oven. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX XXXXX is XXXXX but loan XXXXX is XXXXXXXX XXXXXXXX primary mortgage is XXXXXXXXXX XXXXXXXX of XX months reserves. XXXXXXXXX has XXXXXXX months reserves. | 07/14/2026 | B | 2 | XXXXXXXXXX | SC | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1699077 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535805 | 375 | XXXXXXXXXX | Credit | UW Other | UW Other - UW - Title/Deed to evidence ownership | XXXX file is missing a copy of the title commitment. | Title commitment provided | 07/02/2026 | A | 1 | XXXXXXXXXX | TX | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1699077 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535806 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX minimum credit score for the XXXXXXXXX XXXXXXXXX XX XXXXX XXXX XXXXXX loan program with a loan amount of XXXXXXXXXXXX and XXXX of XXXX requires a XXXXX score of XXXXXX XXXX borrower's XXXXX score is XXXXX | Received exception approval for XXXXX of XXXXXX XXXXXXXXX XXXXXXXXXX over XXX months, residual income of XXXXXXXXX | 07/06/2026 | B | 2 | XXXXXXXXXX | TX | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1699078 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535807 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXX tradeline requirements with XX tradelines with XX active. XXXXXXXXX in file for XXXXXXXXX with XX active tradeline. | Client waived with compensating factors: XXXXXXXXX XXXX when the max allowed is XXXXX XXXX XXXXX when the minimum requirement is XXXXXX XXXX months reserve when the minimum requirement is XXX | 07/02/2026 | B | 2 | XXXXXXXXXX | OR | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1699080 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535809 | 340 | XXXXXXXXXX | Credit | UW Other | UW Other - UW - Insurance Missing (MI or Project) | XXXX effective date and expiration date are the same date. XXXXXXXX corrected evidence of XXXXXXXXXX showing XXX months of coverage. | Received endorsement through XXXXXXX | 07/17/2026 | A | 1 | XXXXXXXXXX | FL | 3 | 1 | D | B | D | B | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1699080 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535810 | 350 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - LTV/CLTV does not meet parameters | XXXXXXXXXXXXXXXX XXXXXX max XXXX XXXXXX XXXXXXXXX XXXX XXXXXX | Client waived with compensating factors: XXXXXXXXXXX verification shows XXXXX years with same employer. XXXXX than XXX months reserves in retirement account. XXXXXXXX residual income XXXXXXXXX brw verified residual income XXXXXXXXXX | 07/09/2026 | B | 2 | XXXXXXXXXX | FL | 3 | 1 | D | B | D | B | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1699081 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535811 | 418 | XXXXXXXXXX | Credit | UW Collateral | UW Collateral - UW - Client Condo Warranty Requirements | XXXX subject property is a condo in an active condo litigation, and has current timeshares in the complex. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXX XXXXXXXX XXXXXXXXX of XXXXXXX months; XXXXXXXXXXXX XXXXXXXXXX and XXXXXXXXXXX XXXXX of XXXXX | 07/09/2026 | B | 2 | XXXXXXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1699083 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535812 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXX months XXXX statements for acct XXXXXXX utilized for bk stmt income are required and not in file. | 07/09/2026 | A | 1 | XXXXXXXXXX | UT | 1 | 3 | A | A | A | A | A | A | A | A | Non-QM | 1 | ||||||||
| 1699084 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535813 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX max XXXX for a XXXXXXXXX with fixed income is XXXXXX XXXXXXXXX in file to allow XXXX of XXXXXXXXX | Client waived with compensating factors: XXXXXXXXX income XXXXXXX when the minimum requirement is XXXXXXXX experienced homeowner, self-employed for XX years, XXX months reserve when the minimum requirement is XX months. | 07/14/2026 | B | 2 | XXXXXXXXXX | MO | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1699085 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535814 | 327 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Satisfactory 12 mth Rental | XXXXX XXX months cancelled rent checks or management company XXXXX | Client waiver with compensating factors: XXXXXXXX XXXX where max XXXX XXXXXX XXXX XXXXX where a minimum XXXX XXXXX allowed. XXXXXXX history verified through credit supplement. | 07/15/2026 | B | 2 | XXXXXXXXXX | TN | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1699086 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535815 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXX waiving of impounds with XXXX XXXXX | Client waived with compensating factors: XXXX XXXXX where XXXX is minimum required, XXXXXXXXX residual income where XXXXX is required, XX months of reserves where XX months is required. | 07/09/2026 | B | 2 | XXXXXXXXXX | TX | 1 | 1 | C | B | C | B | A | A | C | B | Non-QM | 1 | |||||||
| 1699086 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535816 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXXX no housing history for XXXXXXX | Client waived with compensating factors: XXXX XXXXX where XXXX is minimum required, XXXXXXXXX residual income where XXXXX is required, XX months of reserves where XX months is required. | 07/09/2026 | B | 2 | XXXXXXXXXX | TX | 1 | 1 | C | B | C | B | A | A | C | B | Non-QM | 1 | |||||||
| 1699086 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535817 | 321 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit - Insufficient | XXXXXXXX XX year credit history where borrower only has XX active tradeline. XXXX are required by guidelines. | Client waived with compensating factors: XXXX XXXXX where XXXX is minimum required, XXXXXXXXX residual income where XXXXX is required, XX months of reserves where XX months is required. | 07/09/2026 | B | 2 | XXXXXXXXXX | TX | 1 | 1 | C | B | C | B | A | A | C | B | Non-QM | 1 | |||||||
| 1699086 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535818 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXXXX use of appraisal completed for a different lender. | Client waived with compensating factors: XXXX XXXXX where XXXX is minimum required, XXXXXXXXX residual income where XXXXX is required, XX months of reserves where XX months is required. | 07/09/2026 | B | 2 | XXXXXXXXXX | TX | 1 | 1 | C | B | C | B | A | A | C | B | Non-QM | 1 | |||||||
| 1699087 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535820 | 437 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXXXXXX XXXXX for co applicant XXX days prior to closing. | Received XXX day XXXX | 07/16/2026 | A | 1 | XXXXXXXXXX | MS | 2 | 1 | D | B | D | A | A | A | C | B | Non-QM | 1 | |||||||
| 1699088 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535822 | 322 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit - Minimum FICO | XXXXXXXXXXX for the XXXXX loan program reflect a minimum XXXXX of XXXX when the borrower is a XXXXX time investor. XXXXXXXXX has a XXXX XXXXX score. | Client waived with compensating factors: XXXX months mortgage history paid XXXX XXX revolving credit utilization | 07/13/2026 | B | 2 | XXXXXXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1699089 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535823 | 323 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Requirements for Program | XXXX guidelines for the XXXXX program requires a credit event to be seasoned for at least XXX months. XXXX credit report and modification documentation reflects the borrower had a mortgage modification in XXXXXXXXX which does not meet the XXX months seasoning requirement. XXXXXXX approved exception in file. | Verified XXXX is XXXXXXXX when up to XXXX is allowed. XXXXXXX score of XXXX when XXXX is required. XXX late payments on mortgages in last XXX months. XXXXXXXXX of XXXX months when XX months is required. | 07/13/2026 | B | 2 | XXXXXXXXXX | IL | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1699090 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535824 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXX years self employment required, approved with XXX months after borrower inherited the business from his father. | Client waived with compensating factors: XXXXXXXXX in residual income where XXXXX is required, reserves of XXXXXXX months where XX is required. XXXX XXXX where XXXX is maximum allowed. | 07/07/2026 | B | 2 | XXXXXXXXXX | CO | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1699093 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535825 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXXXXXX the signed and dated final closing disclosure from file. | TPS XXXXXX XXXXXXXXXX | 07/13/2026 | A | 1 | XXXXXXXXXX | TX | 1 | 1 | A | A | A | A | A | A | A | A | Non-QM | 1 | |||||||
| 1699094 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535826 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXXX for the XXXXXXXXXXXX XXXXXX XXX month XXXX statement loan program reflect a maximum payment shock of XXXXXX is allowable. XXXX borrower has over a XXXXXX payment shock due to the subject property was owned free and clear. | Client waived with compensating factors: XXXXXXXXX XXXXXXX XXXXXXXX XXXX mortgages paid as agreed; XXXXXXX depth of XXX years | 07/09/2026 | B | 2 | XXXXXXXXXX | CO | 2 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1699095 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535827 | 884 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | 07/09/2026 | A | 1 | XXXXXXXXXX | TX | 1 | 1 | C | A | C | A | C | A | A | A | Non-QM | 1 | |||||||||
| 1699095 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535828 | 971 | XXXXXXXXXX | Compliance | Compliance | Compliance - CD- Missing CD Signed by borrower | XXXXXX XXX not signed. | 07/09/2026 | A | 1 | XXXXXXXXXX | TX | 1 | 1 | C | A | C | A | C | A | A | A | Non-QM | 1 | ||||||||
| 1699095 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535829 | 399 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Gift Letter (fully executed) | XXXX application reflects the borrowers are to receive a gift in the amount of XXXXXXXXXXX however, the file is missing the fully executed gift letter. | Received signed and dated gift letter | 07/08/2026 | A | 1 | XXXXXXXXXX | TX | 1 | 1 | C | A | C | A | C | A | A | A | Non-QM | 1 | |||||||
| 1699097 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535832 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX credit report for XXXXXXXXXX XXXXXXX is missing from the file. | 07/01/2026 | A | 1 | XXXXXXXXXX | FL | 3 | 1 | A | A | A | A | N/A | N/A | A | A | Exempt | 1 | ||||||||
| 1699098 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535833 | 321 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit - Insufficient | XXXXX requires XX seasoned tradelines, borrower has XXXX | Client XXXXXXX with compensating factors: XXXXXXXXX income of XXXXXXXXX where XXXXX is required, XXXXX XXXX where XXXX is required, XXX revolving credit utilization. | 07/14/2026 | B | 2 | XXXXXXXXXX | TN | 3 | 1 | D | B | D | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1699098 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535834 | 445 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Other income documentation missing/incomplete | XXXXXXXX self employed borrower with less than XX year history. | Client XXXXXXX with compensating factors: XXXXXXXXX income of XXXXXXXXX where XXXXX is required, XXXXX XXXX where XXXX is required, XXX revolving credit utilization. | 07/14/2026 | B | 2 | XXXXXXXXXX | TN | 3 | 1 | D | B | D | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1699098 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535835 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXXX XXXXX to purchase non owner occupied property. | Client XXXXXXX with compensating factors: XXXXXXXXX income of XXXXXXXXX where XXXXX is required, XXXXX XXXX where XXXX is required, XXX revolving credit utilization. | 07/14/2026 | B | 2 | XXXXXXXXXX | TN | 3 | 1 | D | B | D | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1699098 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535836 | 434 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Shorts Funds for Reserves | XX months reserves are required, borrower has XXXXXX months reserves. | Client XXXXXXX with compensating factors: XXXXXXXXX income of XXXXXXXXX where XXXXX is required, XXXXX XXXX where XXXX is required, XXX revolving credit utilization. | 07/17/2026 | B | 2 | XXXXXXXXXX | TN | 3 | 1 | D | B | D | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1699100 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535841 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXX loan was approved under the XXXXXX XXXXXX XXXXX XXXXXXXXXX program. XXXX guidelines require the borrower to be self-employed under this program. XXXX borrower is a XXXX wage earner and received tip deposits. XXXX borrower has no self-employment income as required by the guidelines. | Received XXXXX XXXXX approval for use of income | 07/16/2026 | A | 1 | XXXXXXXXXX | GA | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1699102 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535842 | 445 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Other income documentation missing/incomplete | XXXXXXXX the XXXXXXXXXXXXXXXX XXXXXXXXXXXXXX as required for the XXXXXXXXXXXXXXXXXX XXXXX XXXXXXXXXX loan program. | Received XXX | 07/13/2026 | A | 1 | XXXXXXXXXX | MD | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1699343 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12567078 | 323 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Requirements for Program | XXXX loan was submitted as a cash out refinance of an investment property under the XXXXXXXXX XXXXXXXXX XX XXXXX XXXX program. XXXX guidelines, only XXXXXXXX and XXXXXXX XXXXXX are eligible under the program. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXXX where the guideline maximum is XXXXX XXXX XXXXXXXXX XXXXXXX of XXXXXXXXXXXX where the guideline minimum is XXXXXXXX and post closing reserves of XXXXXXXX months. | 06/09/2026 | B | 2 | XXXXXXXXXX | ME | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1699343 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12567079 | 328 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Satisfactory 12 mth Mortgage | XXXXXXXXX own owns their primary residence free and clear for more than XXX months, evidence of real estate taxes paid as agreed is sufficient housing history. XXXXXX primary owned XX year XX months free and clear. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXXX where the guideline maximum is XXXXX XXXX XXXXXXXXX XXXXXXX of XXXXXXXXXXXX where the guideline minimum is XXXXXXXX and post closing reserves of XXXXXXXX months. | 06/09/2026 | B | 2 | XXXXXXXXXX | ME | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1699343 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12567080 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX guidelines, XXXXX using cannabis income no stacking of the XXXX is allowed. XXXXXXXX file was stacked XXXXXXX points. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXXX where the guideline maximum is XXXXX XXXX XXXXXXXXX XXXXXXX of XXXXXXXXXXXX where the guideline minimum is XXXXXXXX and post closing reserves of XXXXXXXX months. | 06/09/2026 | B | 2 | XXXXXXXXXX | ME | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1699621 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12663594 | 824 | XXXXXXXXXX | Credit | Title Policy | Title Policy - is missing. Final ALTA title policy required. | XXXXXXX provide the title. | Information provided | 06/23/2026 | A | 1 | XXXXXXXXXX | WA | 1 | 1 | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1699621 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12663595 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXXX shock is XXXXXXX which is > XXXXXX permitted per guidelines for borrowers who do not have a current housing payment. | Received XXX XXXXX approval for payment shock due to previously owned XXX | 06/24/2026 | A | 1 | XXXXXXXXXX | WA | 1 | 1 | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1694100 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10227756 | 322 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit - Minimum FICO | XXXXXX XXXX XXXXX where minimum XXXXX is XXXXXX | Client waived with XXXXXXXXXXXXX XXXXXXXXXXXXXXXXXX XXXXXXXXX income where XXXXX is required, XXXXXXXXXX in reserves after closing, XXXXXXXXX is an experienced investor. | 05/05/2026 | B | 2 | XXXXXXXXXX | OH | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1698896 | XXXXXXXXXXX | XXXXXXXXXXX | 12450823 | 1024 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Gift Receipt | XXXXXXXX evidence of gift funds transferred to the closing agent. XXXXX funds of XXXXXXXXXXXXXX are required for closing; receipt of the gift funds was not documented on the settlement statement or in the borrower’s accounts. | Wire confirmation provided | 05/05/2026 | A | 1 | XXXXXXXXXX | TN | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1698899 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450825 | 437 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXXX within XXX days of close missing from the file. | Received XXX day XXXX | 06/02/2026 | A | 1 | XXXXXXXXXX | VA | 3 | 13 | D | A | D | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1698901 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450838 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX XXXXXXXXXXX approved cash out with a XXXX XXXXX with XXXXXXXX XXXX and low XXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXXXXXXX income of XXXXXXXXX exceeds the minimum required of XXXXXXXX XXXX of XXXXXXXXX where the maximum allowed is XXXXX | 05/05/2026 | B | 2 | XXXXXXXXXX | FL | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1698901 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450840 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXXXXXX final XXX from cash out loan XXXXXXXXXXX | CD received | 05/05/2026 | A | 1 | XXXXXXXXXX | FL | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1698902 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535532 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX final XXXXX XXXXXXXXXXXXX XXXXXXXXX where the XXX breaks down the information on such things as assets, credit, property is missing from the file. | 06/26/2026 | A | 1 | XXXXXXXXXX | DC | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||||
| 1698902 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535533 | 380 | XXXXXXXXXX | Credit | UW Other | UW Other - UW - Lease Agreements | XXXXXXXXXXXX guidelines for the XXXXX XXXXX XXXXX XXXXXXXX require executed lease agreements for all occupied units, with a maximum of two vacant units permitted. XXXX loan was qualified using market rents; however, lease agreements were not provided in the loan file to support the rental income. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXXX XXXXX of XXXX where the guideline minimum is XXXXX XXXX of XXXXXXXXX where the guideline maximum is XXXXX XXXXX XXXXXX of XXXXXXX where the guideline minimum is XXXXXX and XXXXX XXXXXXXX XXXXXXXXX of XXXXXXX months where the guideline minimum is XXX months. | 06/26/2026 | B | 2 | XXXXXXXXXX | DC | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1698903 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535534 | 459 | XXXXXXXXXX | Compliance | Note | Note - is missing - No Image of Note found in file | XXXXXXXX XXXXX dated XXXX | Information provided | 07/10/2026 | A | 1 | XXXXXXXXXX | WA | 1 | 1 | D | B | C | A | D | B | A | A | Non-QM | 1 | |||||||
| 1698903 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535535 | 884 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | 07/23/2026 | A | 1 | XXXXXXXXXX | WA | 1 | 1 | D | B | C | A | D | B | A | A | Non-QM | 1 | |||||||||
| 1698903 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535537 | 920 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID-Missing Final CD | XXXXXXXX the final XXX signed on the closing date of XXXXXX | Information provided | 07/15/2026 | A | 1 | XXXXXXXXXX | WA | 1 | 1 | D | B | C | A | D | B | A | A | Non-QM | 1 | |||||||
| 1698903 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535538 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX signed XXX from the XXXXXXX XXXXX is missing from the file. XXXXXX funds are being used as funds to close. | 07/14/2026 | A | 1 | XXXXXXXXXX | WA | 1 | 1 | D | B | C | A | D | B | A | A | Non-QM | 1 | ||||||||
| 1698903 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535539 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXXXXXX the final XXX signed on the closing date of XXXXX of subject loan. | TPS XXXXXX XXXXXXXXXX | 07/14/2026 | A | 1 | XXXXXXXXXX | WA | 1 | 1 | D | B | C | A | D | B | A | A | Non-QM | 1 | |||||||
| 1698903 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535540 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXXXXX XXXXXXXX XXXXXXXXXXX for the subject loan is missing. XXXXXXXXX XXXXX are in file but not final signed XXX for the subject loan. XXXXX closed on or after XXXXXXXX as XXXXX XXXXXXX final approval is dated XXXXXXXXX | 07/14/2026 | A | 1 | XXXXXXXXXX | WA | 1 | 1 | D | B | C | A | D | B | A | A | Non-QM | 1 | ||||||||
| 1698904 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450858 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXX need for XXXXXXXXXXX XXXXX XXXX < XXXX minimum XXXXX required under the XXXXXXXXXXXX XXXXX XXXXXXXXXX XXXXXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXXX where the max allowed is XXXXX XXXXXX months reserves when only XX months required, XXXXXXXX current mortgage payment history and XXXXXXXXX income of XXXXXXXXXXXXX exceeds the minimum required of XXXXXXXXX | 05/15/2026 | B | 2 | XXXXXXXXXX | SC | 1 | 1 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1698904 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450859 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXX need for coborrower XXXXX XXXX < XXXX minimum XXXXX required per guidelines. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXXX where the max allowed is XXXXX XXXXXX months reserves when only XX months required, XXXXXXXX current mortgage payment history and XXXXXXXXX income of XXXXXXXXXXXXX exceeds the minimum required of XXXXXXXXX | 05/15/2026 | B | 2 | XXXXXXXXXX | SC | 1 | 1 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1698904 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450855 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXXX documentation to verify past due accounts XXXXXX reported on the XXXXXXXXXX credit report past due for XXXXXXX XXXXXX and XXXXXX are all paid current as required per guidelines XXXX delinquent debts must be current at closing or paid current with loan proceeds. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXXX where the max allowed is XXXXX XXXXXX months reserves when only XX months required, XXXXXXXX current mortgage payment history and XXXXXXXXX income of XXXXXXXXXXXXX exceeds the minimum required of XXXXXXXXX | 05/17/2026 | B | 2 | XXXXXXXXXX | SC | 1 | 1 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1698904 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450856 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXX needed for missing re-cert of value with an appraisal dated XXXXXXXXX or XXXX days aged > XXXX days from the closing date on XXXXXXXXXX as required per guidelines. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXXX where the max allowed is XXXXX XXXXXX months reserves when only XX months required, XXXXXXXX current mortgage payment history and XXXXXXXXX income of XXXXXXXXXXXXX exceeds the minimum required of XXXXXXXXX | 05/15/2026 | B | 2 | XXXXXXXXXX | SC | 1 | 1 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1698905 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450861 | 434 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Shorts Funds for Reserves | XXXXX is short total funds to close and reserves required. XXXXXX to close were XXXXXXXXXXXXXX and the required reserves were XXXXXXXXXXXXXXX XXXXX XXXXXXXXXXXXXX was verified, leaving a shortage of XXXXXXXXXXXXX | Received updated assets at XX | 06/09/2026 | A | 1 | XXXXXXXXXX | VA | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1698905 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450862 | 392 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Debt Clarification | XXXX XXXXXXXXXXX XXXXXXXXX accounts opened on XXXXXXXXXXX with monthly payments of XXXXXX and XXXXXX are reflected on the credit report and are not disclosed on the XXXXXXX XXXXXXXX documentation identifying the associated property(ies) and supporting omission from the XXXX calculation. | Mortgage statements provided are in the business name | 06/10/2026 | A | 1 | XXXXXXXXXX | VA | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1698906 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535545 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXXXX XXX XXX XXXXXXXXXXXX of XXXX each unit was not met. XXXXXXX XXXXXX XX through XX were < XXXX sq ft. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXX XXXXXXXX XXXXXXXXX of XXXXXXXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXX with > XX years of experience; XXX XXX XXXXXXX XXXXXXXX XXXXXXXX and XXXXXXXXXXX XXXXX of XXXXX | 06/30/2026 | B | 2 | XXXXXXXXXX | FL | 3 | 13 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1698906 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535546 | 357 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - Cash Back Exceeds Limit | XXXXX XXXXX to the borrower of XXXXXXXXXXXXXXXX exceeds the guideline maximum of XXXXXXXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXX XXXXXXXX XXXXXXXXX of XXXXXXXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXX with > XX years of experience; XXX XXX XXXXXXX XXXXXXXX XXXXXXXX and XXXXXXXXXXX XXXXX of XXXXX | 06/30/2026 | B | 2 | XXXXXXXXXX | FL | 3 | 13 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1698907 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535548 | 357 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - Cash Back Exceeds Limit | XXXXXXXX cash out proceeds XXXXXXXXXXXX XXXXXX cash-out XXXXXXXXXXXXX | Client waived with compensating factors: XXXXXXXX XXXXX XXX where qualifying XXXXX XXXXXXXX XXXXXXXX XXXX XXXXX where qualifying XXXX XXXXX verified. XXXX XXXX XXXX where a qualifying XXXXXXX XXXX verified. | 06/26/2026 | B | 2 | XXXXXXXXXX | CA | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1698908 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535552 | 884 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Information provided | 06/15/2026 | A | 1 | XXXXXXXXXX | PA | 1 | 13 | C | A | C | A | C | A | A | A | Non-QM | 1 | ||||||||
| 1698908 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535553 | 320 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXXXXXX a second month statement for XXX savings account. XXXXXXXXXX provided in file for funds required for reserves were for a XXXXXXX history dated XXXXXXXXXXXXXXXXXXXX and per guidelines a XXXXXXX account history is required. | Received XXXX month statement | 06/11/2026 | A | 1 | XXXXXXXXXX | PA | 1 | 13 | C | A | C | A | C | A | A | A | Non-QM | 1 | |||||||
| 1698911 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450874 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXX loan size is XXXXXXXXXX on XXXXXXX XXXXX XXXXXXXXX transaction loan amount is XXXXXXXXXXXX XXXXXXXXXX approval from senior management in file allowing for loan amount of XXXXXXXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXX where the max allowed is XXXXX XXXX of XXXXXXXX where the max allowed is XXXXX XXXXXXXX reserves when XXXX required, and XXXX fico score where the minimum required is XXX | 05/20/2026 | B | 2 | XXXXXXXXXX | CO | 1 | 1 | C | B | C | B | A | A | C | B | Non-QM | 1 | |||||||
| 1698911 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450875 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXX rural properties allowed on XXXXXXX XXXXX program. XXXXXXXXXX approval from senior management in file allowing for subject to be rural property. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXX where the max allowed is XXXXX XXXX of XXXXXXXX where the max allowed is XXXXX XXXXXXXX reserves when XXXX required, and XXXX fico score where the minimum required is XXX | 05/20/2026 | B | 2 | XXXXXXXXXX | CO | 1 | 1 | C | B | C | B | A | A | C | B | Non-QM | 1 | |||||||
| 1698916 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535557 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXX per XXXXXXXXX guidelines, the borrower must be an experienced multi family property investor. XXXX borrower appears to be a XXXXX time investor and does not have multi-family experience. | Received prior ownership of multi unit property | 07/06/2026 | A | 1 | XXXXXXXXXX | CT | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1698916 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535558 | 434 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Shorts Funds for Reserves | XXX stated XXXXXX account XXXXX has a balance of XXXXXXXXXXXXXX as per the final XXXXXXX XXXXXX statement not in file. XXXXX is short funds for reserves without it. | XXXXX XXXXXX statement XXXXXXX has balance of XXXXXXXXX | 07/06/2026 | A | 1 | XXXXXXXXXX | CT | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1698917 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535560 | 884 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | 06/10/2026 | A | 1 | XXXXXXXXXX | ME | 1 | 1 | C | B | C | B | C | A | C | A | Non-QM | 1 | |||||||||
| 1698917 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535561 | 973 | XXXXXXXXXX | Compliance | Compliance | Compliance - CD- Other | XXXXX XX of the final XXX is missing. XXXXXXX provide full copy, all pages, of final signed XXXX | 06/10/2026 | A | 1 | XXXXXXXXXX | ME | 1 | 1 | C | B | C | B | C | A | C | A | Non-QM | 1 | ||||||||
| 1698917 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535564 | 328 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Satisfactory 12 mth Mortgage | XXXXXXXXX own owns their primary residence free and clear for more than XXX months, evidence of real estate taxes paid as agreed is sufficient housing history. XXXXXX primary owned XX year XX months free and clear. | Client waived with compensating factors: XXXXXXXXX income required XXXXXXXXX XXXXXXXX residual income verified. XXXXXXXXX required XXXXXXXXXX reserves verified XXXXXXXXXXXX XXXXXXXX XXXX XXXXX XXXX XXXX verified. | 06/09/2026 | B | 2 | XXXXXXXXXX | ME | 1 | 1 | C | B | C | B | C | A | C | A | Non-QM | 1 | |||||||
| 1698917 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535565 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXXX XXXX XXXXX when using cannabis income. subject file XXXX XXXX | Client waived with compensating factors: XXXXXXXXX income required XXXXXXXXX XXXXXXXX residual income verified. XXXXXXXXX required XXXXXXXXXX reserves verified XXXXXXXXXXXX XXXXXXXX XXXX XXXXX XXXX XXXX verified. | 06/09/2026 | B | 2 | XXXXXXXXXX | ME | 1 | 1 | C | B | C | B | C | A | C | A | Non-QM | 1 | |||||||
| 1698917 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535566 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX using cannabis income no stacking. XXXXXXXX file XXX stacked points. XXXX XXXXXX | Client waived with compensating factors: XXXXXXXXX income required XXXXXXXXX XXXXXXXX residual income verified. XXXXXXXXX required XXXXXXXXXX reserves verified XXXXXXXXXXXX XXXXXXXX XXXX XXXXX XXXX XXXX verified. | 06/09/2026 | B | 2 | XXXXXXXXXX | ME | 1 | 1 | C | B | C | B | C | A | C | A | Non-QM | 1 | |||||||
| 1698917 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535567 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXX documentation does not identify XXX as owner or registered agent for XXXXXX XXXXXXXXXXXXX and status is administratively dissolved. XXXXXXXX evidence of good standing for XXXXXX XXXXXXXXXXXXX to use income to qualify. | Received current registration | 06/09/2026 | A | 1 | XXXXXXXXXX | ME | 1 | 1 | C | B | C | B | C | A | C | A | Non-QM | 1 | |||||||
| 1698919 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450895 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX on XXXXXXXXX program requires XXX months' canceled rent checks, borrower lives with mother. XXXXXX time homebuyer requirements can be waived with senior management approval. XXXXXXXXXX approval in file waiving XXXXX requirements. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXXX reserves when only XXXXXXXX required, and residual income of XXXXXXX where minimum required is XXXXXX | 05/22/2026 | B | 2 | XXXXXXXXXX | DE | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1698919 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450896 | 321 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit - Insufficient | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXXX reserves when only XXXXXXXX required, and residual income of XXXXXXX where minimum required is XXXXXX | 05/22/2026 | B | 2 | XXXXXXXXXX | DE | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||||
| 1698920 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535570 | 455 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - Does not meet requirement for Financed Prop | XXXX borrower does not have multi-family investment property experience when the guidelines require borrowers to have multi-family investment property experience for the XXXXX XXXXX XXXXXXXXX XXXXX XXXXX XXXXXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXX XXXXXX is XXXX when the minimum XXXXX XXXXXX is XXXXX XXXX is XXXX when the XXXX is the maximum XXXX allowed; XXXXXXX months reserves when only XX months reserves are required; primary residence is owned free and clear. | 06/25/2026 | B | 2 | XXXXXXXXXX | IL | 3 | 1 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1698920 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535571 | 271 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Collateral not acceptable/warrantable | XXXXX of the six units of the subject property are less than XXXX sqft and all units need to be a minimum of XXXX sqft for the XXXXX XXXXX XXXXXXXXX XXXXX XXXXX XXXXXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXX XXXXXX is XXXX when the minimum XXXXX XXXXXX is XXXXX XXXX is XXXX when the XXXX is the maximum XXXX allowed; XXXXXXX months reserves when only XX months reserves are required; primary residence is owned free and clear. | 06/25/2026 | B | 2 | XXXXXXXXXX | IL | 3 | 1 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1698920 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535572 | 321 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit - Insufficient | XXXX borrower has one open tradeline with recent activity and one tradeline that closed in XXXXXXX XXXXXXXXXXX require a minimum of two tradelines reporting for at least XXX months with activity in the last XXX months, or three tradelines reporting for at least XXX months with recent activity for the XXXXX XXXXX XXXXXXXXX XXXXX XXXXX XXXXXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXX XXXXXX is XXXX when the minimum XXXXX XXXXXX is XXXXX XXXX is XXXX when the XXXX is the maximum XXXX allowed; XXXXXXX months reserves when only XX months reserves are required; primary residence is owned free and clear. | 06/25/2026 | B | 2 | XXXXXXXXXX | IL | 3 | 1 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1698921 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535573 | 898 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | XXX tolerance violation for increase in XXXXXXX XXXXXXX - XXXXXXX XXXX without a valid XXXXXX XXXXXX tolerance violation of XXXXXXXXXXX XX refund in the amount of XXXXXXXXX along with XXXXX XXXX lox to borrower, copy of refund check and proof of delivery required within XXX days from consummation date of XXXXXXXXXX | Information provided | 06/23/2026 | A | 1 | XXXXXXXXXX | FL | 1 | 1 | C | A | A | A | C | A | A | A | Non-QM | 1 | |||||||
| 1698921 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535574 | 902 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. | Information provided | 06/23/2026 | A | 1 | XXXXXXXXXX | FL | 1 | 1 | C | A | A | A | C | A | A | A | Non-QM | 1 | ||||||||
| 1698922 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450902 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXXXX does not allow for rural properties with more than XXX acres. XXXXXXXXXX approval in file from senior management allowing XXX acre rural property. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXXXX reserves when only XXXXXXXX required, and XXXX fico score where the minimum required is XXX | 06/01/2026 | B | 2 | XXXXXXXXXX | TX | 1 | 13 | C | B | C | B | A | A | C | B | Safe Harbor QM (APOR) | 1 | |||||||
| 1698922 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450903 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXXXXX does not allow short term rental income on primary property. XXXXXXXX is income producing property, with XX XXXX that the borrowers reside in. XXXXXXXXXX approval from senior management allowing for main house short term rental income and also allowing it to be used in XXXX calculation. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXXXX reserves when only XXXXXXXX required, and XXXX fico score where the minimum required is XXX | 06/01/2026 | B | 2 | XXXXXXXXXX | TX | 1 | 13 | C | B | C | B | A | A | C | B | Safe Harbor QM (APOR) | 1 | |||||||
| 1698923 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535575 | 434 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Shorts Funds for Reserves | XXXXXXXXXXXX XXXXX XXXXXXXXXXXX requires XXX mo reserves XXXXXXXXXX XXXXXXXXX XXXXXXXXX with XXX mo reserves. | COMPENSATING XXXXXXXXX XXXXXXX waived with comp factors: XXXXX XXXX when min XXXXX required is XXXXX XXXXX XXXXXX when min required is XXXXXX XXXXXXXXX XXXXXXXXXXXXXXX when max XXXX is XXXXX XXXXXXXXXXXX investor. | 06/24/2026 | B | 2 | XXXXXXXXXX | SC | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1698923 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535576 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX funds not permitted on XXXXXXX XXXXXXXXX in file to allow gift funds. | COMPENSATING XXXXXXXXX XXXXXXX waived with comp factors: XXXXX XXXX when min XXXXX required is XXXXX XXXXX XXXXXX when min required is XXXXXX XXXXXXXXX XXXXXXXXXXXXXXX when max XXXX is XXXXX XXXXXXXXXXXX investor | 06/25/2026 | B | 2 | XXXXXXXXXX | SC | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1698924 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450906 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXXXX XXX from bridge loan. | 05/26/2026 | A | 1 | XXXXXXXXXX | AZ | 1 | 1 | A | A | A | A | A | A | A | A | Non-QM | 1 | ||||||||
| 1698925 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450908 | 898 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | XXX tolerance violation for increase in XXXXXXX XXXXXXX XXXXXXX XXXX without a valid XXXXXX XXXXXX tolerance violation of XXXXXXXXXXX XX refund in the amount of XXXXXXXXX along with XXXXX XXXX lox to borrower, copy of refund check and proof of delivery required within XXX days from consummation date of XXXXXXXXXXX | Information provided | 06/01/2026 | A | 1 | XXXXXXXXXX | AZ | 1 | 13 | D | A | D | A | C | A | A | A | Non-QM | 1 | |||||||
| 1698925 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450909 | 902 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. | Information provided | 06/01/2026 | A | 1 | XXXXXXXXXX | AZ | 1 | 13 | D | A | D | A | C | A | A | A | Non-QM | 1 | ||||||||
| 1698925 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450910 | 1006 | XXXXXXXXXX | Credit | UW Approval | UW Approval - UW Approval - 1008 or 92900 LT missing | XXXXXXXX XXXXX that matches loan approval and final XXXXX | Documentation has been provided. | 05/26/2026 | A | 1 | XXXXXXXXXX | AZ | 1 | 13 | D | A | D | A | C | A | A | A | Non-QM | 1 | |||||||
| 1698925 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450911 | 379 | XXXXXXXXXX | Credit | UW Other | UW Other - UW - Letter of Explanation | XXXX was joint on title at one-time and now holds single. XXXXXXXX letter of explanation, and divorce decree if needed. | Not required per XXX XXXXXXXXXXX | 05/27/2026 | A | 1 | XXXXXXXXXX | AZ | 1 | 13 | D | A | D | A | C | A | A | A | Non-QM | 1 | |||||||
| 1698926 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450913 | 902 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. | 06/11/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 13 | D | B | D | B | C | A | C | A | Non-QM | 1 | |||||||||
| 1698926 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450915 | 270 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Satisfactory 2nd Appraisal Report | XXXXXX party desk review or second appraisal required. | Second valuation provided | 06/03/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 13 | D | B | D | B | C | A | C | A | Non-QM | 1 | |||||||
| 1698926 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450916 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXX XXXXX for a XXXX XXXXXX XXXXXX XXXXX XXXXXXXXXX cash out refinance is XXXXXX XXXXXXXXX XXXXX XXXXX | Received exception approval for fico. XXXXX XXXXXXXX - payment shock XXXXXXX residual income XXXXXXXXXX cash out can be used for reserves XXX months- XX months required. | 06/04/2026 | B | 2 | XXXXXXXXXX | CA | 1 | 13 | D | B | D | B | C | A | C | A | Non-QM | 1 | |||||||
| 1698926 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450914 | 437 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXXXXXXXXXX certification must be in the file indicating they have verbally verified the borrower is indeed self-employed, XXXXXXXXXX XXXX completion is acceptable. | VVOE dated XXXXXXXXXX provided | 06/03/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 13 | D | B | D | B | C | A | C | A | Non-QM | 1 | |||||||
| 1698932 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535583 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXXXX XXXXXXXX disclosure required | 07/01/2026 | A | 1 | XXXXXXXXXX | PA | 3 | 1 | D | B | D | B | N/A | N/A | C | B | Exempt | 1 | ||||||||
| 1698932 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535584 | 998 | XXXXXXXXXX | Credit | UW Other | UW Other - UW - Title Commitment is missing or requires correction. | XXXXXX updated to reflect correct loan amount/insured amount of XXXXXXXXXX | Received revised title | 07/14/2026 | A | 1 | XXXXXXXXXX | PA | 3 | 1 | D | B | D | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1698932 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535585 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXXXX XXXXXXXX disclosure required | 07/08/2026 | A | 1 | XXXXXXXXXX | PA | 3 | 1 | D | B | D | B | N/A | N/A | C | B | Exempt | 1 | ||||||||
| 1698932 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535586 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXXX for the XXXXX unit XXXXX loan program require borrowers to have experience with owning multi-family investment properties. XXXX borrower does not have any experience with multi-family properties. | Client waived with compensating factors: XXXXX greater than XXXXXXX XXXX XXX below max of XXXXX XXX delinquencies or derogatory credit history reported; XXXXXXXXX history dating back to XXXXX all paid XXXX | 07/09/2026 | B | 2 | XXXXXXXXXX | PA | 3 | 1 | D | B | D | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1698932 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535587 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXXXXXXX for the XXXXX unit XXXXX loan program require all units to be greater than XXXX square feet. XX units are less than XXXX sqft but greater than XXXX sqft. | Client waived with compensating factors: XXXXX greater than XXXXXXX XXXX XXX below max of XXXXX XXX delinquencies or derogatory credit history reported; XXXXXXXXX history dating back to XXXXX all paid XXXX | 07/09/2026 | B | 2 | XXXXXXXXXX | PA | 3 | 1 | D | B | D | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1698934 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535590 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX appraisal is missing from the file. XXXXXX inspection and review appraisal are in the file but not the main appraisal. | 06/29/2026 | A | 1 | XXXXXXXXXX | NJ | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||||
| 1698934 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535591 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXX per XXXXXXXXX guidelines, the borrower must have prior multi-family experience. XXXXXXXXX does not. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXX XXXXXXXX credit score is XXXXXX XXXXXXXXXX score is XXXXXX XXXXXXXX XXXXX is XXXXXXXX XXXXX XXXXX is XXXXXXXXX XXXX months reserves are required. XXXXXXXXX has XXXXXXX mo reserves. | 06/29/2026 | B | 2 | XXXXXXXXXX | NJ | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1698934 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535592 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXX per XXXXXXXXX guidelines, all units must be XXXX XXX or larger. XXXX unit is below XXXX XXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXX XXXXXXXX credit score is XXXXXX XXXXXXXXXX score is XXXXXX XXXXXXXX XXXXX is XXXXXXXX XXXXX XXXXX is XXXXXXXXX XXXX months reserves are required. XXXXXXXXX has XXXXXXX mo reserves. | 06/29/2026 | B | 2 | XXXXXXXXXX | NJ | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1698935 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450935 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXXXX appraisal is broker appraisal and not completed by XXXXXXXXXXX XXXXXXXXXX approval in file from senior management allowing use of broker appraisal. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXXXX reserves when only XXXXXXX required, and XXXX fico score where the minimum required is XXX | 05/28/2026 | B | 2 | XXXXXXXXXX | FL | 1 | 13 | C | B | C | B | A | A | C | B | Non-QM | 1 | |||||||
| 1698935 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450936 | 386 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Documents Expired | XXXXXX statements must be dated within XXX days of transaction, statements provided are greater than XXX days. XXXXXXXXXX approval from senior management allowing documents to be age up to XXX days. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXXXX reserves when only XXXXXXX required, and XXXX fico score where the minimum required is XXX | 05/28/2026 | B | 2 | XXXXXXXXXX | FL | 1 | 13 | C | B | C | B | A | A | C | B | Non-QM | 1 | |||||||
| 1698937 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450937 | 437 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XX verbal XXXX must be obtained within XXX calendar days prior to the note date for self-employment income. | VVOE dated XXXXXXXXXX provided | 05/27/2026 | A | 1 | XXXXXXXXXX | ID | 1 | 13 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1698938 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450938 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX subject transaction is a non-arms length transaction. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXXX where the guideline maximum is XXXXX XXXX XXXXXXXXX XXXXXXX of XXXXXXXXXXXX where the guideline minimum is XXXXXXX and XX x XXX mortgage payment history reporting for XXX months. | 06/04/2026 | B | 2 | XXXXXXXXXX | NC | 1 | 1 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1698938 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450939 | 447 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - 2yr Employment history not verified | XXXXXXXXX does not meet the minimum two months of self employment as required per XXXX statement program. XXXXXXXXX has been self employed for a year. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXXX where the guideline maximum is XXXXX XXXX XXXXXXXXX XXXXXXX of XXXXXXXXXXXX where the guideline minimum is XXXXXXX and XX x XXX mortgage payment history reporting for XXX months. | 06/04/2026 | B | 2 | XXXXXXXXXX | NC | 1 | 1 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1698942 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535594 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXXXXXXXX guidelines for the XXXXX XXXXX XXXXX XXXXXXXX require all units must be > XXXX sq ft. XXXX XXXXXX of the nine units are XXXX sq ft. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXXXXXXX XXXXX XXXXXX of XXXXXX where the guideline requirement is XXXXXXX and XXXXXXXXXXX XXXXX of XXXXX | 07/01/2026 | B | 2 | XXXXXXXXXX | MA | 3 | 1 | C | B | A | A | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1698947 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450947 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXX XXXXXXXXXXX approval required for rental units under XXXX sq ft. | Loan XXXXXXXXX reflects XXXXX XXXXXXXXXXX approval | 06/03/2026 | A | 1 | XXXXXXXXXX | MT | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1698948 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535600 | 72 | XXXXXXXXXX | Compliance | Closing Package | Closing Package - | XXXXXXX provide the XXXXXXXXX XXXXXXXXXX | Information provided | 06/11/2026 | A | 1 | XXXXXXXXXX | AZ | 1 | 1 | D | B | D | B | C | A | A | A | Non-QM | 1 | |||||||
| 1698948 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535601 | 666 | XXXXXXXXXX | Compliance | Sales Contract | Sales Contract - Compliance \ Sales Contract missing | XXXXXX XXXXXXXXX must be present. | Information provided | 06/11/2026 | A | 1 | XXXXXXXXXX | AZ | 1 | 1 | D | B | D | B | C | A | A | A | Non-QM | 1 | |||||||
| 1698948 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535602 | 447 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - 2yr Employment history not verified | XXXXXXXXX self employment business has been operating for less than XX years; only one year documented. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXX where the guideline maximum is XXXXX XXXXXXXXX XXXXXXX of XXXXXXXXXXXX where the guideline minimum is XXXXXXX and XXXXX XXXXXXXX XXXXXXXXX of XXXXXXX months. | 06/11/2026 | B | 2 | XXXXXXXXXX | AZ | 1 | 1 | D | B | D | B | C | A | A | A | Non-QM | 1 | |||||||
| 1698950 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535603 | 437 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXXXXXX XXXXXXX XXXX for borrower XXXXXXX XXXXXXXXXXX employment required within XXX days of the XXXXX date XXXXXXXXXXX | Document received is dated XXXXXXX and is within XXX business days of note XXXX | 06/30/2026 | A | 1 | XXXXXXXXXX | CT | 1 | 1 | D | A | D | A | A | A | C | A | Non-QM | 1 | |||||||
| 1698950 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535604 | 1015 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - IRS Transcripts required | XXXXXXXX XXXX transcripts for the borrower XXXXXXX XXXXXXXXX for XXXXX and XXXXXX | Received XXXXX & XXXXX XXXX XXXXXXXXXXX | 06/30/2026 | A | 1 | XXXXXXXXXX | CT | 1 | 1 | D | A | D | A | A | A | C | A | Non-QM | 1 | |||||||
| 1698950 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535605 | 320 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXXXXXX the final signed and dated XXXXXXX loan XXXXX XXXX closing disclosure in the file is not signed or dated. XXXX preliminary XXXXXXX loan XXX has proceeds of XXXXXXXXXXXXXXX | Received signed bridge loan with proceeds of XXXXXXXXX | 06/30/2026 | A | 1 | XXXXXXXXXX | CT | 1 | 1 | D | A | D | A | A | A | C | A | Non-QM | 1 | |||||||
| 1698950 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535606 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXX subject property exceeds the maximum amount of acreage permitted. XXXXXXXX is XXX acres and the maximum is XXXX | Received XXXXXXXXX XXXXXXXXX approval for XXXX XXXXXX and XXXXXXX | 06/30/2026 | A | 1 | XXXXXXXXXX | CT | 1 | 1 | D | A | D | A | A | A | C | A | Non-QM | 1 | |||||||
| 1698950 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535607 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX payment shock exceeds the maximum of XXXXXXXX XXXX payment shock is XXXXXX | Received XXXXXXXXX XXXXXXXXX approval for XXXX XXXXXX and XXXXXXX | 06/30/2026 | A | 1 | XXXXXXXXXX | CT | 1 | 1 | D | A | D | A | A | A | C | A | Non-QM | 1 | |||||||
| 1698952 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450958 | 72 | XXXXXXXXXX | Compliance | Closing Package | Closing Package - | XXXXXXX provide the lender's approval. | Information provided | 06/03/2026 | A | 1 | XXXXXXXXXX | CO | 1 | 1 | D | B | D | B | C | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1698952 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450959 | 323 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Requirements for Program | XXXXXXXXX does not meet credit requirements for the program XXXXXXXXXXX required at least XX credit scores and XXX months of history. XXXXXXXXX has XX credit score and XX year and XX months of credit history. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXXXX XXXX XXXXXXXXX XXXXXXX of XXXXXXXXXXX where the guideline minimum is XXXXXXX and XXXXX XXXXXXXX XXXXXXXXX of XXXXXXXXX months. | 06/02/2026 | B | 2 | XXXXXXXXXX | CO | 1 | 1 | D | B | D | B | C | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1698956 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535608 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | missing XXXX assets for closing costs | received | 06/26/2026 | A | 1 | XXXXXXXXXX | MA | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1698959 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535614 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXXXXX reports are required for all borrowers, missing credit report for XXXX | 06/04/2026 | A | 1 | XXXXXXXXXX | TX | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | ||||||||
| 1698959 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535615 | 435 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit report is expired | XXXXXXXXXXX state XXXXXXX report can be no more than XXX days old at funding, XXXXX credit report is dated XXXXXXXXXXX funding date XXXXXXXXXXX updated credit report is required for XXXX XXX to review. | The original credit bureau report must not be older than XXX days as of the XXXXX date. XXXXXXXXXXX up to XXXX days with senior management approval. | 06/05/2026 | A | 1 | XXXXXXXXXX | TX | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1698960 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535616 | 378 | XXXXXXXXXX | Credit | UW Other | UW Other - UW - Initial/Final 1003 incomplete/missing | XX final signed XXXXX was not provided. | Received signed final XXXX | 06/17/2026 | A | 1 | XXXXXXXXXX | OR | 1 | 3 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1698960 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535617 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXXXXXXXX require a XXXXXXXXXXXXXXXX XXXXXXXXXXXXXX be completed by the borrower. XX XXXX was not provided. | Received XXX | 06/17/2026 | A | 1 | XXXXXXXXXX | OR | 1 | 3 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1698960 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535618 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXXX require senior management approval for all mixed use properties. | Client waived with compensating factors: XXXX XXXXX XXXXX XXXX XXXX of XXXXX | 06/17/2026 | B | 2 | XXXXXXXXXX | OR | 1 | 3 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1698961 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535619 | 898 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | XXX tolerance violation for increase in XXXXXXX XXXXXXX XXXXXXX XXXX without a valid XXXXXX XXXXXX tolerance violation of XXXXXXXXXXXX XX refund in the amount of XXXXXXXXX was provided. XXX additional refund in the amount of XXXXXXXXXX is required along with XXXXX XXXX lox to borrower, copy of refund check and proof of delivery required within XXX days from consummation date of XXXXXXXXXXX | Information provided | 06/09/2026 | A | 1 | XXXXXXXXXX | NC | 1 | 1 | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1698961 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535620 | 902 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. | Information provided | 06/09/2026 | A | 1 | XXXXXXXXXX | NC | 1 | 1 | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||||
| 1698961 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535621 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXX equity assets are not allowed per XXXX XXXXXXXXXXXXX XXXXXXXXX for private equity shares used to qualify. | Client waived with compensating factors: XXXX credit score when the minimum requirement is XXXXX XXXX XXXX when the max allowed is XXXXX XXXX months reserve when XX months required. | 06/02/2026 | B | 2 | XXXXXXXXXX | NC | 1 | 1 | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1698962 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535622 | 72 | XXXXXXXXXX | Credit | Closing Package | Closing Package - | XXXXXXX provide the lender's approval. | 06/09/2026 | A | 1 | XXXXXXXXXX | HI | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||||
| 1698962 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535623 | 323 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Requirements for Program | XXXXXX XXXXX XXXXXXXXXX XXXX XXXXXXXX for XXXXX XXXXXX > XXXXXX and < XXXXXXX XXXX loan closed with a XXXXX XXXXXX of XXXXXXXX | Revised XXXXX XXXXXXXXX shows XXXXXXX XXXXX | 06/10/2026 | A | 1 | XXXXXXXXXX | HI | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1698963 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535624 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX be experienced multifamily investor. | Client waived with compensating factors: XXXX XXXXX score when a minimum XXXX required. XXXX XXXX XXXXX subject loan XXXX XXXXXX XXXXX than XX months reserves verified. | 06/24/2026 | B | 2 | XXXXXXXXXX | WI | 3 | 1 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1698963 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535625 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXXXXX condition - XXX fair or poor ratings. | Client waived with compensating factors: XXXX XXXXX score when a minimum XXXX required. XXXX XXXX XXXXX subject loan XXXX XXXXXX XXXXX than XX months reserves verified. | 06/24/2026 | B | 2 | XXXXXXXXXX | WI | 3 | 1 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1698964 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450982 | 902 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. | 06/10/2026 | A | 1 | XXXXXXXXXX | UT | 1 | 1 | C | B | C | B | C | B | A | A | Non-QM | 1 | |||||||||
| 1698966 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535626 | 861 | XXXXXXXXXX | Credit | Note | Note - Other: | XXXXXXXXXXX XXXXXXXXX to XXXXX does not include prepayment terms, nor does it match terms of XXXXXXXXXXX XXXXXX to XXXXXXXXXXX XXXXXXX provide corrected XXXXXXXXXXX XXXXXXXXXX signed by XXXXXXXXXXX | Information provided | 06/11/2026 | A | 1 | XXXXXXXXXX | NV | 3 | 13 | C | B | C | A | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1698966 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535627 | 824 | XXXXXXXXXX | Credit | Title Policy | Title Policy - is missing. Final ALTA title policy required. | XXXXXXX provide XXXXXX XXXXXXXXXXXXXXXXXXX | Information provided | 06/11/2026 | A | 1 | XXXXXXXXXX | NV | 3 | 13 | C | B | C | A | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1698967 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535630 | 434 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Shorts Funds for Reserves | XXXXXXX used XXXXXX XXXXXXXX XXXXXXX statement dated XXXXXXXX balance of XXXXXXXX for asset calculation. XXX used statement dated XXXXXXXX with balance of XXXXXXXXXXXXXX XXXXX results in borrower being short XXXXXXX for reserves. XXXXXXXX additional assets or exception approval from senior management allowing for less than required reserves. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX of residual income when only XXXXXXX is required, and XXXX fico score where the minimum required is XXX | 06/23/2026 | B | 2 | XXXXXXXXXX | WI | 3 | 1 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1698967 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535631 | 350 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - LTV/CLTV does not meet parameters | XXXX XXXX for XXXXX on XXXXXXXXX XXXXXXX program is XXXXX transaction has XXXX XXXXXX XXXXXXXXXX approval from XXXXXXX XXXXXXXXXXX in file allowing for XXXX XXXX on XXXXXX XXXXX XXXXXXXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX of residual income when only XXXXXXX is required, and XXXX fico score where the minimum required is XXX | 06/23/2026 | B | 2 | XXXXXXXXXX | WI | 3 | 1 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1698967 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535632 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXX programs require appraisal to be completed by approved XXXXXX XXXXXXXXXX in file is from non-approved XXXXXX XXXXXXX used XXX discretion to allow use of XXXXXXXX approved appraisal | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX of residual income when only XXXXXXX is required, and XXXX fico score where the minimum required is XXX | 06/23/2026 | B | 2 | XXXXXXXXXX | WI | 3 | 1 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1698967 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535633 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX XXXX for XXXX > XXXX is XXXXXX XXXXXXXX XXXX XXXXXXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX of residual income when only XXXXXXX is required, and XXXX fico score where the minimum required is XXX | 06/24/2026 | B | 2 | XXXXXXXXXX | WI | 3 | 1 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1698968 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535634 | 418 | XXXXXXXXXX | Credit | UW Collateral | UW Collateral - UW - Client Condo Warranty Requirements | XXXX condo square footage of XXXX sq ft does not meet the guideline minimum of XXXX sq ft. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXXX of XXXXXXXXXXXXX where the guideline minimum is XXXXXXXX XXXX of XXXXXXXXX where the guideline maximum is XXXXX and XXXXX XXXXXXXX XXXXXXXXX of XXXXXXXX months. | 06/08/2026 | B | 2 | XXXXXXXXXX | NC | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1698971 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450996 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXXXX XXXXX s/e income documented XXXXX mo bk stmt XXXXXXXXXX request XXXXXX XX months bk stmts with new XXXXX contract and less then XXXXX s/e. | COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXXX XXXXX XXXX when min XXXXX is XXXXX XXXXXXXXX XXXX stacked when max XXXX is XXXXX XXXXXXXXX XXXX when max allowed XXXX is XXXX XXXXXXXXXXXX XXXXXXX months reserves when XX reserves are required XXXXXXXXXX | 06/01/2026 | B | 2 | XXXXXXXXXX | CO | 1 | 13 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1698972 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535638 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXXXXX are XXXX time investors. XXXXXX time investors are not allowed under the multifamily XXXXX program XXXXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXX XXXXXX of XXXXXX where the guideline minimum is XXXXXXX XXXXXXX months of post closing reserves and borrowers are not XXXXX time homebuyers own primary free and clear. | 06/18/2026 | B | 2 | XXXXXXXXXX | OH | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1698973 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450998 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXX needed for self-employed borrower with a XXXXXXXX self-employment history qualified with prior employment (same line of work) XXXX which is less than the XXXXXXX minimum required with XX years XXXXXX under the XXXXXXXXXXXX XXXXX XXXXXXXXXXXXXX XXXXXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXX where the max allowed is XXXXX XXXXXXX months reserves when only XX months required, XXXX of XXXXXXXX where the maximum allowed is XXXX and XXXX fico score where the minimum required is XXXXX | 06/01/2026 | B | 2 | XXXXXXXXXX | GA | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1698975 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535640 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXXX require XX months reserve for a XXXXX unit XXXXXXX XXXXXXXXX in file for XX months reserve. | Client waived with compensating factors: XXXX XXXXX when the minimum requirement is XXXXXX XXXXXXX XXXXX when the minimum requirement is XXXXXXX XXXXXXXXXXXX XXXXXXXXXXX | 07/07/2026 | B | 2 | XXXXXXXXXX | RI | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1698977 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535641 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXXX not found in the file. | 06/11/2026 | A | 1 | XXXXXXXXXX | DC | 3 | 1 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | ||||||||
| 1698977 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535642 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXX per XXXXXXXXX guidelines as minimum of a XXXX score is required to do a XXXXX loan. XXXXXXXXXX score is XXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX mortgage is XXXXXXXXXX XXX mo reserves are required. XXXXXXXXX has XXXXXXXX mo. XXXX XXXX is XXXXXX XXXXX XXXX is XXXXXXXXX | 06/11/2026 | B | 2 | XXXXXXXXXX | DC | 3 | 1 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1698977 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535643 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXX per XXXXXXXXX guidelines, no non-warrantable condo's are allowed when the XXXXX is below XXXXX XXXXX XXXXX is XXXX | Sr XXXXXXXXXXX XXXXXXXXX for XXXXX < XXXXXXX XXXXXXX XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX mortgage is XXXXXXXXXX XXX mo reserves are required. XXXXXXXXX has XXXXXXXX mo. XXXX XXXX is XXXXXX XXXXX XXXX is XXXXXXXXX | 06/12/2026 | B | 2 | XXXXXXXXXX | DC | 3 | 1 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1698979 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12451005 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXX months XXXXXXXXX XXXXX XXXXXXXXXXX are required for use of XXXXX statement income, XXXXXXXXXXX for XXXXXXXXX account with XXXX XXXXX for XXXX XXXXX through XXXXXX XXXXX are required to support income. | 05/26/2026 | A | 1 | XXXXXXXXXX | OR | 1 | 1 | A | A | A | A | A | A | A | A | Non-QM | 1 | ||||||||
| 1698981 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535646 | 321 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit - Insufficient | XXXXXXX XXXXX program requires XXXXXXXX XXXXXXX – five tradelines, with XX active, XXXXXXXXX has only XX tradelines. XXXXXXXXXX approval from senior management needed to allow limited credit - XX tradelines. XXXXX XXXXXXXX XXXXXX XXXXXXXXX in file does not show exception was approved. | Client waived with compensating factors: XXXX XXXX XXXXXXXXX good pride in ownership living in departing residence for XXX years; XXXXX XXXXXXXXX previous mortgage paid XXXXX | 06/30/2026 | B | 2 | XXXXXXXXXX | UT | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1698981 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535647 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXXXXX loan final closing disclosure is missing from file. XXXXXXXX fully executed final XXX for XXXXXXX XXXXX evidencing at least XXXXXXXXXXXXX cash to borrower. | 06/29/2026 | A | 1 | XXXXXXXXXX | UT | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||||
| 1698982 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12451012 | 72 | XXXXXXXXXX | Compliance | Closing Package | Closing Package - | XXXXXXX provide the lender's approval. | 06/03/2026 | A | 1 | XXXXXXXXXX | TX | 2 | 13 | C | A | A | A | C | A | A | A | Non-QM | 1 | ||||||||
| 1698983 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535650 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXXXXXX is not an XXXX appraisal and requires approval to be used for valuation. XXXXXXXXXX XXXXXXXXX from underwriter in XXXXX to allow the use of XXXXXXXX appraisal. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXX where the max allowed is XXXXX XXXXXXXX months reserves when only XXXXXXX required, residual income of XXXXXXX when only XXXXXXX required and XXXX fico score where the minimum required is XXX | 06/09/2026 | B | 2 | XXXXXXXXXX | FL | 1 | 1 | C | B | C | B | A | A | C | B | Safe Harbor QM (APOR) | 1 | |||||||
| 1698983 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535652 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXX programs require credit score for all applicants in order for income to be used to qualify. XXXXXXXXX XX does not have ant reported credit scores. XXXXXXXXXX approval from senior management in file allowing XXX income to be used when no credit scores are reporting. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXX where the max allowed is XXXXX XXXXXXXX months reserves when only XXXXXXX required, residual income of XXXXXXX when only XXXXXXX required and XXXX fico score where the minimum required is XXX | 06/09/2026 | B | 2 | XXXXXXXXXX | FL | 1 | 1 | C | B | C | B | A | A | C | B | Safe Harbor QM (APOR) | 1 | |||||||
| 1698984 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12451017 | 30 | XXXXXXXXXX | Valuation | Appraisal | Appraisal - is incomplete. | full appraisal missing from file | 06/10/2026 | A | 1 | XXXXXXXXXX | TN | 1 | 1 | C | B | C | B | A | A | C | A | Non-QM | 1 | ||||||||
| 1698984 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12451018 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXXX is missing the full appraisal | 06/10/2026 | A | 1 | XXXXXXXXXX | TN | 1 | 1 | C | B | C | B | A | A | C | A | Non-QM | 1 | ||||||||
| 1698984 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12451019 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXX XX active tradeline with several paid accounts. XX minimum of XX active trades is required. | Client waived with compensating factors: XXXXXXX months reserves where XX are required, XXXXXXXXX income of XXXXXXXXXXX where XXXXXXXXXXX was required, XXXXXXXX XXXXX where XXXX is minimum required. | 06/10/2026 | B | 2 | XXXXXXXXXX | TN | 1 | 1 | C | B | C | B | A | A | C | A | Non-QM | 1 | |||||||
| 1698985 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535654 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXXXXXX XXXXXX were used for XXXXXX XXXXXXXXXX XXXXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX XXXX when the maximum XXXX is XXXXXXXXX XXXXXXXX XXXX when the maximum XXXX is XXXXX XXXX months reserves when no reserves are required. | 06/23/2026 | B | 2 | XXXXXXXXXX | TX | 1 | 13 | C | B | C | B | A | A | C | B | Safe Harbor QM (APOR) | 1 | |||||||
| 1698985 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535655 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXX subject property is a rural property. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX XXXX when the maximum XXXX is XXXXXXXXX XXXXXXXX XXXX when the maximum XXXX is XXXXX XXXX months reserves when no reserves are required. | 06/23/2026 | B | 2 | XXXXXXXXXX | TX | 1 | 13 | C | B | C | B | A | A | C | B | Safe Harbor QM (APOR) | 1 | |||||||
| 1698985 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535656 | 320 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXXXXXXX to borrower was XXXXXXXXXXXXXXXX and the maximum cash-out allowed is XXXXXXXXXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX XXXX when the maximum XXXX is XXXXXXXXX XXXXXXXX XXXX when the maximum XXXX is XXXXX XXXX months reserves when no reserves are required. | 06/23/2026 | B | 2 | XXXXXXXXXX | TX | 1 | 13 | C | B | C | B | A | A | C | B | Safe Harbor QM (APOR) | 1 | |||||||
| 1698986 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535657 | 72 | XXXXXXXXXX | Compliance | Closing Package | Closing Package - | XXXXXX provide the lender's approval. | Information provided | 06/09/2026 | A | 1 | XXXXXXXXXX | TX | 2 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | |||||||
| 1698993 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12451035 | 435 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit report is expired | XXXXXXX XXXXXXX dated XXXXXXXXXX was expired at the note date of XXXXXXXXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXXX of XXXXXXXXXXXXX where the guideline minimum is XXXXXXX and XXXXX XXXXXXXX XXXXXXXXX of XXXXXXX months. | 06/10/2026 | B | 2 | XXXXXXXXXX | MD | 1 | 13 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1698996 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12451036 | 435 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit report is expired | XXXXXXX report dated XXXXXXXXXXX expired XXXXXXXXXXXXX XXXXX closed XXXXXXXXXXXXX XXX days old. | Received XXXXX approval to extend credit by XXX days. | 06/09/2026 | A | 1 | XXXXXXXXXX | AZ | 1 | 1 | D | A | D | A | A | A | C | A | Non-QM | 1 | |||||||
| 1698996 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12451037 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXXXXXXX reflect a property is to be considered XXXXXX if photographs of the subject show a dirt road. XXXX subject property is located in area containing dirt roads, and senior management approval is required for all XXXXXX properties. | Received XXXXX approval for rural property | 06/10/2026 | A | 1 | XXXXXXXXXX | AZ | 1 | 1 | D | A | D | A | A | A | C | A | Non-QM | 1 | |||||||
| 1698998 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12451040 | 391 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Counseling Documentation incomplete/missing | XXXXXXXX evidence the borrower's XX account reflected on the credit report as being in a current XXXXX plan have been closed and paid prior to closing or with the loan proceeds as required per guidelines. XXX the plan has been closed without paying off accounts, then evidence of all account current balances and recalculated minimum payments is required. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXX where the max allowed is XXXXX XXXXXXX months reserves when only XX months required, XXXXXXXX current mortgage payment history, XXXXXXXXX has been employed in same line of work for XXX years and XXXX fico score where the minimum required is XXXXX | 06/04/2026 | B | 2 | XXXXXXXXXX | AL | 1 | 1 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1698998 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12451041 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXXXX is currently in XXXXX and per guidelines may only be considered under the XXXXXXXXX XXXXX XXXXXXXXX XXXXX XXXXX owner-occupied loans only and is not eligible under the XXXXXX XXXXXXX XXXXX XXXXXXXXXX XXXXXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXX where the max allowed is XXXXX XXXXXXX months reserves when only XX months required, XXXXXXXX current mortgage payment history, XXXXXXXXX has been employed in same line of work for XXX years and XXXX fico score where the minimum required is XXXXX | 06/03/2026 | B | 2 | XXXXXXXXXX | AL | 1 | 1 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1698998 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12451042 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXX needed for self-employed borrower with > XXXXXXX self-employment history under the XXXXXXXXXXXXX XXXXX XXXXXXXXXX XXXXXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXX where the max allowed is XXXXX XXXXXXX months reserves when only XX months required, XXXXXXXX current mortgage payment history, XXXXXXXXX has been employed in same line of work for XXX years and XXXX fico score where the minimum required is XXXXX | 06/03/2026 | B | 2 | XXXXXXXXXX | AL | 1 | 1 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1698998 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12451043 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXX needed for XXXX > XXXX but under XXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXX where the max allowed is XXXXX XXXXXXX months reserves when only XX months required, XXXXXXXX current mortgage payment history, XXXXXXXXX has been employed in same line of work for XXX years and XXXX fico score where the minimum required is XXXXX | 06/03/2026 | B | 2 | XXXXXXXXXX | AL | 1 | 1 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1699000 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12451046 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXXX XXXXXX is greater than XXXXXX due to borrower owns primary residence free and clear. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXXX where the guideline maximum is XXXXX XXXX XXXXXXXXX XXXXXXX of XXXXXXXXXXX where the guideline minimum is XXXXXXX and XXXXX XXXXXXXX XXXXXXXXX of XXXXXXX months. | 06/04/2026 | B | 2 | XXXXXXXXXX | SC | 1 | 1 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1699003 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12451052 | 437 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXXXXXX the prior to closing verification of employment dated within XXX days of the XXXXX for the self-employed borrowers. | Received XXX day XXXXXX | 06/05/2026 | A | 1 | XXXXXXXXXX | GA | 1 | 1 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1699003 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12451053 | 447 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - 2yr Employment history not verified | XXXX sources of self employed income from businesses are required to show two years seasoning. income from owning motel/hotel for less than XX years, however more than XX year was used. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXX XXXXXXX XXXXXXXXXXXXX where the guideline minimum is XXXXXXXXX XXXX of XXXXXXXXX where the guideline maximum is XXXX and XXXXX XXXXXXXX XXXXXXXXX of XXXXXXX months. | 06/04/2026 | B | 2 | XXXXXXXXXX | GA | 1 | 1 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1699004 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12451054 | 351 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - DTI exceeds maximum limit | XXXX XXXX on XXXXXXXXXXXX XXXXX XXXX XXXXXXXX when XXXX is greater than XXXX is XXXX XXXXXX XXXXXXXXX has XXXXXXXX XXXXXX XXXXXXXXXX approval from senior management in file allowing for XXXX to exceed XXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX reserves when only XXXXXXXX required, residual income of XXXXXXX when only XXXXXXX is required and XXXX fico score where the minimum required is XXX | 06/04/2026 | B | 2 | XXXXXXXXXX | SC | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1699013 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12451073 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXXXXXX missing XXXXXXX | 06/04/2026 | A | 1 | XXXXXXXXXX | AZ | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||||
| 1699013 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12451076 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XX months reserve required for XXXXXX XXXXXX XXXXX XXXXXXXXXX with XXXX XXXXXX XXXXXX months verified in file. | Client waived with compensating factors: self-employed business for XX years, XXXXXX XXXXXXXXX no derog, shows willingness and ability to pay | 06/05/2026 | B | 2 | XXXXXXXXXX | AZ | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1699032 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12451110 | 399 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Gift Letter (fully executed) | XXXXXXXX fully executed gift letter in the amount of XXXXXXXXXXXXXX which was the amount wired to the closing agent and disclosed on the final XXXXX XXXX gift letter provided in file is for XXXXXXXXXXXXXXX | Received mgmt approval for the amount of wire vs. the amount stated on gift letter. | 06/14/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | A | C | A | C | A | A | A | Non-QM | 1 | |||||||
| 1699032 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12451112 | 902 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. | Information provided | 06/15/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | A | C | A | C | A | A | A | Non-QM | 1 | ||||||||
| 1698969 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535635 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | final XXXXX | received | 07/09/2026 | A | 1 | XXXXXXXXXX | OH | 3 | 1 | A | A | A | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1699013 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12451075 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX dated XXXXXXXXXXX XXXXXXXXXX dated XXXXXXXXXXX XXXXX to be dated the same day as closing documents. | Note is still valid. XXXXXXX XXXX references the note dated XXXXXXXXXX as well | Client 06/04/2026 06:07 PM; Hi, note is still valid. XXXXXXX XXXX references the note dated XXXXXXXXXX as well. XXXXXXXX Reviewer 06/05/2026 07:24 AM; Condition has been reviewed |
06/05/2026 | A | 1 | XXXXXXXXXX | AZ | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||
| 1698909 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535555 | 351 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - DTI exceeds maximum limit | XXXX loan was approved under the XXXXXXXXXXXXXXXXXX XXXXX XXXXXXXXXX program, which allows a maximum XXXX of XXXX when the XXXX is greater than XXXXXX XXXX subject loan closed with an XXXX of XXXX and XXXX of XXXXXXXXX which exceeds the allowable XXXXX | Client waived with compensating factors: XXXX XXXXX allowed for XXXXX XXXX = XXXXXX stacked at XXXXX | Client 07/06/2026 09:57 AM; Hi, guidelines are based off of the base XXXXXX XXXX base XXXX for this loan is XXXX XXXXXX XXXXXXXX Reviewer 07/06/2026 11:10 AM; Credit reviewed Client 07/06/2026 11:29 AM; Hi, finding is still open. XXXXXXX confirm if this will be cleared. XXXXXX you. Reviewer 07/06/2026 11:45 AM; condition reviewed and cleared |
07/06/2026 | B | 2 | XXXXXXXXXX | TX | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||
| 1698915 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450878 | 335 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Calculation Incorrect | XXXXX spread for acct XXXXXXX incorrect total. XXXX deposits for account XXXXXXX has an incorrect sum total of XXXXXXXXXXXXXXXX XXXXX adding up the column the correct total is XXXXXXXXXXXXXXXX XXXXXX the incorrect total gives the brw an inflated income calculation. XXXXXXXX income worksheet. | Income worksheet provided | Client 06/08/2026 05:55 PM; Hi, document uploaded XXXXXXXXX matches the finding request exactly. XXXXXXX advise. XXXXXXXX Reviewer 06/08/2026 06:36 PM; Corrected income worksheet reflects XXXXXXXXXXXXX XXXXX XXXXXXXXX reflects XXXXXXXXXXXXX = XXXXXXXX XXXXXX XXXXXX corrected income increases the XXXX to XXXXXXX Client 06/09/2026 10:31 AM; The income on the loan approval XXXXXXXXXXXXXXXX consists of XX XXXX accounts XXXXXXXXXXXXXXXXXX and XXXXXXXXXXXXXXXXXXX XXXX XXXXXXX is the neg rents from the investment property, we input as negative income. XXXX XXXXXXXXXXXX is correct with the XX different accounts, not just the one from the updated worksheet. XXXX XXXX is correct. Reviewer 06/09/2026 11:59 AM; Condition has been reviewed |
06/09/2026 | A | 1 | XXXXXXXXXX | TX | 1 | 13 | C | A | C | A | A | A | A | A | Non-QM | 1 | ||||||
| 1698944 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535595 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXXXXXX the following documentation XXXX XXXXXXX reports for XXXXXX XXXXX and XXXXXX XXXX | TPS XXXXXX XXXXXXXXXX | Reviewer 07/01/2026 12:28 PM; X/X-kg - XXXXXX did not received the full credit reports for XXXXXX XXXXX and XXXXXX XXXXXX |
07/01/2026 | A | 1 | XXXXXXXXXX | CA | 3 | 1 | C | B | C | B | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1698964 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450981 | 898 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | XXX tolerance violation for increase in XXXXXXX XXXXXXX XXXXXXX XXXX without a valid XXXXXX XXXXXX tolerance violation of XXXXXXXXXXX XX refund in the amount of XXXXXXXXX along with XXXXX XXXX lox to borrower, copy of refund check and proof of delivery required within XXX days from consummation date of XXXXXXXXXXX | Client 06/10/2026 09:56 AM; Hi, check and XXXXX documents provided. XXXXXXX clear. XXXXXXXX Reviewer 06/10/2026 11:05 AM; Reviewer 06/10/2026 11:06 AM; Hello
 XXXXX has been cleared.
 
 XXXXXX |
06/10/2026 | B | 2 | XXXXXXXXXX | UT | 1 | 1 | C | B | C | B | C | B | A | A | Non-QM | 1 | |||||||
| 1699008 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535678 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX management approval for bridge loan at XXXXXXXXXXXX and XXXX of XXXX with cross collateral new purchase loan at XXXX XXXX for new purchase. XXXXX XXXXX management approval appraisal demand/supply as "over supply". | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXX fico score where the minimum required is XXXXX XXXX of XXXX where the max allowed is XXXX | Reviewer 07/02/2026 07:20 AM; |
07/02/2026 | B | 2 | XXXXXXXXXX | FL | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||
| 1699022 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535701 | 437 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXXXXXX XXXXX for both borrowers XXX days prior to closing. | Received XXX XXX day XXXX | Reviewer 07/15/2026 01:43 PM; Received XXX day XXXXX for XXXXX XXXX not receive XXX day XXXXX for XX |
07/15/2026 | A | 1 | XXXXXXXXXX | SC | 1 | 13 | D | A | D | A | A | A | A | A | Non-QM | 1 | ||||||
| 1698928 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12665250 | 862 | XXXXXXXXXX | Credit | Deed of Trust/Mortgage | Deed of Trust/Mortgage - Other: | XXXXXXX provide updated XXXXX that correct the county to XXXXXXXXXXX XXXXXXX include a XXXX to re-record. | Legal XXXXXXXXXXXX XXXXXXXX XX reflect XXXXXXXX XXXXXXX of XXXXXXXXXXX XXXXXXXXX error on notary page reads XXXXXXXXXXXX | Client 06/29/2026 03:14 PM; Confirmed with XXXXXX that legal description is correct and deed's page XX does not need to be corrected. XXXXXX you. Reviewer 06/29/2026 04:11 PM; Reviewer 06/30/2026 12:23 PM; Hello
 XXXXXX you - this has been updated.
 
 XXXXXX |
07/31/2026 | B | 2 | XXXXXXXXXX | CT | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1699058 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535761 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXX management approval okay to proceed with appraisal with recert of value and review that supports value and rent. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, | Reviewer 07/06/2026 01:29 PM; |
07/06/2026 | B | 2 | XXXXXXXXXX | AL | 3 | 13 | C | B | A | A | N/A | N/A | C | B | Exempt | 1 | ||||||
| 1699099 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535838 | 437 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXXXXXX a XXXXXXX XXXXXXXXXXXXX of XXXXXXXXXXX for the borrower dated with XXX days of the note date as required for the XXXXXXXXXXXXXXXXXX XXX month XXXXX XXXXXXXXXX loan program. | IRS XXXX for XXXXXXX is dated XXXXXXXXXX | Reviewer 07/13/2026 06:03 PM; Received XXXXX stating the XXXXX of XXXXXXXXXX was used to verify employment within XXX days of closing. XXXXXXXX the XXXXX of XXXXXXXXXX to support the XXX Reviewer 07/13/2026 07:26 PM; the XXXXXXXXXXXX of XXXXXXXXXX is for the company, XXXXXXX XXXXX XXXXXXXXXXX XXXXX and not for XXXXXXX XXXXXXXXXXX XXXXXXXXXXXXX |
07/14/2026 | A | 1 | XXXXXXXXXX | PA | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | ||||||
| 1699026 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535712 | 998 | XXXXXXXXXX | Credit | UW Other | UW Other - UW - Title Commitment is missing or requires correction. | XXXX title is missing the insured amount of XXXXXXXXXX and the XXXXXXXX XXXXXXXXXXX letter has the wrong insured/loan amount. | Received revised XXXXX and XXX | Reviewer 07/01/2026 09:14 PM; Both the title commitment and the XXXX have the loan amount as XXXXXXXXXXXXXX and it should be XXXXXXXXXX to match the note. |
07/15/2026 | A | 1 | XXXXXXXXXX | HI | 3 | 3 | D | A | D | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1698899 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450826 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXXXXXXXX XXXXXX XXXXXXXXXX is owned free and clear or mortgage not in XXXXXXXXXXX name is missing from the file. | the primary residence: XXXXXXX is on the title per the XXXXXX report XXXX there is no mortgage reporting in here name on the credit report. | Reviewer 06/02/2026 09:53 AM; Or mortgage is not in XXXXXXXXXX name/paid by another party. |
06/03/2026 | A | 1 | XXXXXXXXXX | VA | 3 | 13 | D | A | D | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1698899 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450829 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX XXXX is XXXXXX XXXX exceeded due to primary housing taxes and XXXX not included in ratios. XXXXXX report reflects XXXXXXXXX is co owner. | Per XXXXXXX report uploaded the property is a XXXX on XXXXXX acers XXX XXX | Client 07/16/2026 04:40 PM; Hi, XXXXXXXXXXX the primary residence: XXXXXXX is on the title per the XXXXXX report XXXX there is no mortgage reporting in here name on the credit report. XXXXXXXXX the XXXXX XXXX and taxes for the arrow property. Reviewer 07/16/2026 06:52 PM; Per the XXXXXX XXXXXXX and XXXXXXX XXXXXXXX XXXXXXX records borrower is joint owner of XXXXXX XXXXXXXXXX XXXXXXX XXXXXXX XXXXXXXX a copy of the XXXXX or mortgage statement verifying borrower on tile only XXXXXX |
07/16/2026 | A | 1 | XXXXXXXXXX | VA | 3 | 13 | D | A | D | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1698926 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450912 | 898 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | XXXXX tolerance violation of XXXXXXXXXX due to addition of XXXXXXXXXX reinspection (file does not contain a XXXXXX nor is it reflected on the appraisal invoice) with no valid coc. XXXXXXX provide evidence of refund along with XXXX to borrower and XXXXX reflecting cure. XXXX must be issued within XXX days of consummation | Reviewer 06/04/2026 10:46 AM; The re-inspection fee was added on XXXXXXXX XXXXX tolerance violation of XXXXXX due to the addition of the appraisal re-inspection fee without a valid XXXXXXX XX appraisal re-inspection has not been found in file. XXXXXXX provide proof of refund, XXXX to borrower and a XXXXX reflecting cure. XXXX must be provided within XXX days of closing. XXXX documentation provided will not clear def. XXXX was provided. XXXX a appraisal re-inspection Client 06/11/2026 09:57 AM; Hi, per a legal review. XXXX invoice uploaded to the file with evidence of the timing was received by the team on XXXXXXXXXX and was disclosed on XXXXXXXXXXXX XXXXXXXX Reviewer 06/11/2026 10:38 AM; Reviewer 06/11/2026 12:08 PM; Hello
 XXXXX has been cleared.
 
 XXXXXX |
06/11/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 13 | D | B | D | B | C | A | C | A | Non-QM | 1 | |||||||
| 1698956 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535609 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXX management approval using XXXX market rents. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXX fico score where the minimum required is XXX | Reviewer 06/26/2026 04:34 PM; |
06/26/2026 | B | 2 | XXXXXXXXXX | MA | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1698899 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450828 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXXXXXXXX XXXXX XXXXXX field free and XXXXXXXXXXXXXXXXX and XXXX missing from the file. XXXXXX not to exceed XXXXXXXXXXXXX **** XXX exceeded file to be returned to XXXXXXXXXX | HOI provided | Reviewer 06/02/2026 06:34 PM; Received verification of tax and XXXX = XXXXXX for XXXXX XXXXXX field. XXXX not receive evidence of XXXX or owned free and clear |
06/03/2026 | A | 1 | XXXXXXXXXX | VA | 3 | 13 | D | A | D | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1698901 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450837 | 868 | XXXXXXXXXX | Credit | Hazard Insurance | Hazard Insurance - Other: | XXXXXXXX amount is not listed on XXXXXX of XXXXXXXXX | Client 05/05/2026 12:53 PM; Hazard XXXXXXXXXX XXXXXXXX shows premium. XXXXXX you. Reviewer 05/05/2026 01:03 PM; Reviewer 05/06/2026 10:10 AM; Hello
 XXXXX has been cleared.
 
 XXXXXX |
05/06/2026 | A | 1 | XXXXXXXXXX | FL | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1698917 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535563 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXXXXX type XXX acres maximum. | Loan approval addresses acreage and is second signed by senior management. | Reviewer 06/08/2026 08:32 PM; Appraisal lists property at XXXXXXX acres. Client 06/09/2026 02:44 PM; Loan approval addresses acreage and is second signed by senior management. XXXXXX you. Reviewer 06/10/2026 04:27 AM; Condition has been reviewed |
06/09/2026 | A | 1 | XXXXXXXXXX | ME | 1 | 1 | C | B | C | B | C | A | C | A | Non-QM | 1 | ||||||
| 1698931 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535580 | 437 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXXXXXXXXX require a verbal XXXX be completed within XXX days of the note date. XXX XXXXX was provided. | VVOE dated XXXXXXXXXX provided | Reviewer 06/10/2026 05:09 PM; Received XXXXX for XXXXXXX XXXX not receive XXXXX for XXXXXXXX XXXXXX |
06/11/2026 | A | 1 | XXXXXXXXXX | FL | 3 | 1 | D | A | D | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1698944 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535597 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX XXXXXXXXXX do not have any experience owning/managing a XXXXXXXXXX property XXXX XX rental units have square footage under XXXX square feet XXXXXXX XXXXX XXXXXXXXX XXXXXXXX and XXXXXXXXXX and XXXX appraisal does not photos of XXXXX XXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX cash down payment, XXXXX of XXXXXXX XXXX months of reserves. | Reviewer 07/01/2026 03:46 PM; Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX cash down payment, XXXXX of XXXXXXX XXXX months of reserves. |
07/01/2026 | B | 2 | XXXXXXXXXX | CA | 3 | 1 | C | B | C | B | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1698947 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450946 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXX management approval to use rental income from XXXXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXXXXXXX income of XXXXXXX exceeds the minimum required of XXXXXXXX XXXXXXXX score where the minimum required is XXXXX XXXX of XXXX where the max allowed is XXX | Reviewer 06/02/2026 12:35 PM; |
06/02/2026 | B | 2 | XXXXXXXXXX | MT | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||
| 1698964 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450980 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXX XXXXXXXXXXX approval to use XX months of business XXXX statements for income calculation. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXX of XXXX where the max allowed is XXXXX and XXXXXXXXX income of XXXXXXX exceeds the minimum required of XXXXXX | Reviewer 06/03/2026 08:55 AM; |
06/03/2026 | B | 2 | XXXXXXXXXX | UT | 1 | 1 | C | B | C | B | C | B | A | A | Non-QM | 1 | ||||||
| 1698991 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535666 | 351 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - DTI exceeds maximum limit | XXXX XXXXXXXXX > XXXX maximum permitted for a fixed income borrower under the XXXXXXXXXXXX XXXXX XXXXXXXXXXXXXX program. | Received revised XXXXX & XXXX | Reviewer 06/16/2026 11:07 AM; Received XXXXX approval using XXXXXXX gross income for annuity and XXX = XXXXXXXXXXXX + XXXXXXXXXXXX = XXXXXXXXXXXXXXX XXXXXXXX XXXXX and XXXXX using the gross income figures |
06/16/2026 | A | 1 | XXXXXXXXXX | UT | 1 | 1 | C | A | C | A | C | A | A | A | Non-QM | 1 | ||||||
| 1699043 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535737 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXXXXX fraud report is missing. | Drive XXXXXXX provided | Client 07/06/2026 01:25 PM; Fraud report provided is sufficient. XXXXXXX on report addressed with documentation in file. XXXXXXX clear or clarify what still needs to be addressed. XXXXXX you. Reviewer 07/06/2026 01:47 PM; credit reviewed Client 07/08/2026 05:43 PM; Approval is not required for this fraud report. XXXXXX you. Reviewer 07/08/2026 06:06 PM; Condition has been reviewed |
07/08/2026 | A | 1 | XXXXXXXXXX | SC | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1699050 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535746 | 445 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Other income documentation missing/incomplete | XXXXXXXX complete XXXXXXXXX business XXXX statements for the months of XXXXXX XXXXXX XXXXXXXX XXXXXXXXXXX XXXXXXXXX XXXXXXXXX and XXXXXXXXX XXXXX and for XXXXXXXXX XXXXXXXXX and XXXXXX XXXXXXX XXXX business XXXX statements provided covered only a XXXXXXXX period XXXXXX and XXXX XXXXXXX XX complete XXXXXXXXX business XXXX statements are required per guidelines under the XXXXXXXXXXXX XXXXX XXXXXXXXXX XXXXXXXXXX | Information provided | Client 07/07/2026 10:46 AM; Hi, what documentation is missing? Reviewer 07/07/2026 11:22 AM; Documents received and file returned to XXXXXXX XXX for review. Reviewer 07/07/2026 01:23 PM; Documents are being reviewed by the XX |
07/09/2026 | A | 1 | XXXXXXXXXX | NM | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | ||||||
| 1699055 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535757 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX file contains a letter of explanation from the borrower that indicates the cash out proceeds from the subject transaction may be used toward the down payment of another property. XX letter of explanation or other documentation is required to verify the borrower was not in the process of purchasing the additional property. XXX the borrower was purchasing an additional property, the full XXXXX for that property would be required to be included in the XXXXX | According to the letter it states they “may” purchase an investment property. XXXXXXXXXX to the XXXXX report from the fraud report, borrower has no application in at the time of the loan. | Client 07/15/2026 12:19 PM; According to the letter it states they “may” purchase an investment property. XXXXXXXXXX to the XXXXX report from the fraud report, borrower has no application in at the time of the loan. XXXXXX you. Reviewer 07/15/2026 03:26 PM; Condition has been reviewed |
07/15/2026 | A | 1 | XXXXXXXXXX | NC | 1 | 13 | D | A | D | A | A | A | C | A | Non-QM | 1 | ||||||
| 1699060 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535766 | 445 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Other income documentation missing/incomplete | XXXX loan was approved under the XXXXXX XXXXXX XXX XXXXXX XXXXX XXXXXXXXXX program. XXXX file contains XXXX statements for XXXXXXXX and XXXXXXXXX the statements from XXXXXXXX through XXXXXXXX that were used to qualify the loan are missing from the file. | XXXX statements provided. XXXXX XXX months is now in file. | Reviewer 07/10/2026 03:25 PM; Documents received and file returned to XXXXXXX XXX for income review. |
07/13/2026 | A | 1 | XXXXXXXXXX | WA | 1 | 1 | D | B | D | B | A | A | A | A | Non-QM | 1 | ||||||
| 1699072 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535792 | 434 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Shorts Funds for Reserves | XXXX guidelines require reserves of XX months for the XXXXXX XXXXXX XXXX XX XXXXX XXXXXXXXXX program with a score of XXXX and XXXX of XXXXXX XXXX file assets in the file are short the full XX months required. XXXX application and approval reflect additional assets; however, the file is missing the XXXX statements. | Borrower has XXXXXXXXXXXXXX XXXXXXXXXXXXXXX in access verified assets. XXXXXXXX XXXXXXXX XXXXXXXXX XXXXXXXXXXX and XXXXXXXXX statements provided. | Client 07/09/2026 05:10 PM; Borrower has XXXXXXXXXXXX in access verified assets. XXXX uploaded documents. Reviewer 07/10/2026 04:28 AM; Condition has been reviewed |
07/09/2026 | A | 1 | XXXXXXXXXX | VA | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | ||||||
| 1699103 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535843 | 351 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - DTI exceeds maximum limit | XXXX exceeding XXXX for XXXXX requires XXXXX management approval. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXX fico score where the minimum required is XXXXX and XXXX of XXXXXXXX where the max allowed is XXXX | Reviewer 07/13/2026 12:40 PM; |
07/13/2026 | B | 2 | XXXXXXXXXX | UT | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||
| 1699343 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12567081 | 1018 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Self-Employed verify business | XXXXXXXX verification of the existence of the borrower’s business within XXX calendar days prior to the note date from a third party, such as a XXXXX regulatory agency, or the applicable licensing bureau. XXXXXXXX for XXX XXXXXXXX XXXX XXXXXXXXX and XXXX XXXXXXXXXXXX | Received verification of businesses. | Reviewer 06/10/2026 05:15 PM; XXXXXXXXX registration for XXXXXX XXXXXXXXXXXXXXX XXXX not receive verification of the existence of the XXXXXXXXXXXXXXXXXXX business XXX XXXXXXXX XXXX XXXXXXXXX and XXXX XXXXXXXXXXX Reviewer 06/11/2026 10:21 AM; XXXXXXXXX XXXX design. XXXX not receive XXXX XXXXXXXXX and XXXX XXXXXXXXXXX Reviewer 06/12/2026 09:45 AM; The document received was a blank page Reviewer 06/15/2026 04:10 PM; Received registration for XXXX XXXXXXXXXXXX XXXX not receive documentation for XXXX XXXXXXXX Client 07/27/2026 04:24 PM; Uploaded docs verifying business. XXXXX also operate under a different name of XXXXXXXX XXXXXXXX which is stated as a “division of XXXX XXXXXXXXXX at the bottom of their website (pdf provided). XXXXXXXXXXXXX provided documentation showing that they have had a file since XXXXXXXXXX XXXXXX doc). XXXXXX you. Reviewer 07/28/2026 07:35 AM; Condition has been reviewed |
07/27/2026 | A | 1 | XXXXXXXXXX | ME | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1699028 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535720 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXX fees not found in file an not addressed. | There are no XXXX fees for this property. XXXXXXXXXX by XXXXXXXXXX and XXXXXXX search. XXXXX built in XXXXXXX | Client 07/14/2026 03:44 PM; There are no XXXX fees for this property. XXXXXXXXXX by XXXXXXXXXX and XXXXXXX search. XXXXX built in XXXXXXXX XXXXXX you. Reviewer 07/15/2026 05:04 AM; Condition has been reviewed |
07/14/2026 | A | 1 | XXXXXXXXXX | MA | 2 | 13 | C | B | C | B | A | A | C | A | Safe Harbor QM (APOR) | 1 | ||||||
| 1698900 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535528 | 316 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Asset Liquidation | XXXXX is missing evidence of liquidation of XXXXXXXXXXX account to cover closing costs. | The payoff was included on our refi of the borrower’s XXXXXXXX XXXXXXX property- the subject property. | Client 06/25/2026 12:32 PM; The funds came from the sale of a property located at XXXXX XXXXXXXXX XXXXXXXXX XXXXXXXXXXX statement uploaded. XXXXXX you. Reviewer 06/25/2026 12:49 PM; Settlement statement shows from seller XXXXXXXXXXXX Reviewer 06/25/2026 12:49 PM; Escalation comment: XXXX funds came from the sale of a property located at XXXXX XXXXXXXXX XXXXXXXXX XXXXXXXXXXX statement shows from seller XXXXXXXXXXXX Reviewer 06/26/2026 02:00 PM; the XXX document provided reflects the borrower of this subject transaction was the seller of XXXXX XXXXXXXXX XXXXXXXX XXXXX XXXXXXX XXXXXXXXXX XXXX funds of XXXXXXXXX were required XXXXX the seller (our borrower on this transaction). XXXX document provided does not reflect any proceeds to the seller. Reviewer 07/01/2026 12:02 AM; The signed XXX provided for the sale of borrower's prior home at XXXXX XXXXXXXXX XXXXXXX reflects proceeds of XXXXXXXXXX to seller; however, the XXX does not reflect the payoff of mortgage with XXXXXXXXXXXX of XXXXXXXXXX listed on XXXXX XXXX for this property. Client 07/01/2026 12:48 PM; Regarding the most recent follow up comment on this finding, the payoff was included on our refi of the borrower’s XXXXXXXX XXXXXXX property- the subject property. XXXXXX you. Reviewer 07/01/2026 03:09 PM; Condition has been reviewed |
07/01/2026 | A | 1 | XXXXXXXXXX | FL | 1 | 13 | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||
| 1698904 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450857 | 445 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Other income documentation missing/incomplete | XXXXXXXX signed and dated XXXXXXXXXXXXXXXX XXXXXXXXXXXXXX for XXX as required per guidelines for each self-employed borrower qualifying with XXXX statement income. | She owns the same company that XXX owns, so no new XXXX is needed as it covers them both. XXXX became owner when they registered the XXXXX but otherwise this is a business that has been operated by XXX for over XX years. XXXX appears to only part-owner on paper. | Client 05/15/2026 02:34 PM; She owns the same company that XXX owns, so no new XXXX is needed as it covers them both. XXXX became owner when they registered the XXXXX but otherwise this is a business that has been operated by XXX for over XX years. XXXX appears to only part-owner on paper, and XXX still does all of the work for the company and has been for over XX years. XXX we don't believe we need to document XX years XXX for XXX specifically. XXXXXX you. 
 Reviewer 05/15/2026 04:55 PM; Condition has been reviewed |
05/15/2026 | A | 1 | XXXXXXXXXX | SC | 1 | 1 | D | B | D | B | A | A | A | A | Non-QM | 1 | ||||||
| 1698908 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535551 | 898 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | XXXX tolerance violation of XXXXXXXXXX due to increase in recording fees with no valid coc. XXXXXXX provide evidence of refund along with XXXX to borrower and XXXXX reflecting cure. XXXX must be issued within XXX days of consummation | Information provided | Reviewer 06/12/2026 10:22 AM; NO documentation provided Client 06/15/2026 11:10 AM; There was a change regarding the XXXXXX on the property as noted on the disclosure tracking XXXXX which caused the fees to increase. XXXXXX you. Reviewer 06/15/2026 01:40 PM; Reviewer 06/15/2026 02:47 PM; Hello,
 XXXXXXXXXXX has been cleared
 XXXXXXXX XXXXXX |
06/15/2026 | A | 1 | XXXXXXXXXX | PA | 1 | 13 | C | A | C | A | C | A | A | A | Non-QM | 1 | ||||||
| 1698952 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450960 | 447 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - 2yr Employment history not verified | XXXX guidelines, XXXXXXXXXXX income with a two-year history of job or same industry stability is required. XXXXXXXXX has been with current employer < XX years with XXX months of earnings verified (borrower was on an unpaid vacation from XXXXXXXX - XXXXXXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXXXX XXXX XXXXXXXXX XXXXXXX of XXXXXXXXXXX where the guideline minimum is XXXXXXX and XXXXX XXXXXXXX XXXXXXXXX of XXXXXXXXX months. | Client 06/03/2026 11:37 AM; Senior management approved the XX year documentation. XXXXXXXXXXX on the XXXX loan approval document. XXXXXXXX Reviewer 06/03/2026 04:10 PM; Condition has been reviewed |
06/03/2026 | B | 2 | XXXXXXXXXX | CO | 1 | 1 | D | B | D | B | C | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||
| 1698899 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450827 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXXXXXXXX of taxes and XXXXXXXXXX for primary residence missing from the file. XXXX fraud report reflects the XXXXXXXXX is joint owner. XXXXXX the fraud report reflects taxes for the property XXXXXXXXXX XXXX XXXXXXXXX ratios will exceed guidelines if counted in ratios. | HOI is part of XXX | Reviewer 06/02/2026 06:35 PM; Did not receive tax and XXXX for primary XXXXXX XXXXXXXXX |
06/03/2026 | A | 1 | XXXXXXXXXX | VA | 3 | 13 | D | A | D | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1698903 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535541 | 355 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - Incorrect Product Registration | XXXXX XXXXXXXXXXXXX XXXXXXXXX shows the program as XXXXXX XXXXXXXXXXXX XXXXX XXXXXXXX dated XXXXXXX which was after the closing date of XXXXXXXX states XXXXXX XXXXXXXXXXXX XXXXX updated XXXXX XXXXXXXXX to reflect the actual program. XXXXX does not qualify as XXXXXX XXXXXXXXXXXX XXXXXXX to be updated to the proper program. | Updated loan approval provided. | Reviewer 07/15/2026 03:47 PM; The system reflects XXXXXX XXXXXXXXXX XXXXXX with XXXXXXXXX XXXX XXXXX analysis reflects XXXXXX XXXXXXXXXX XXXXXX with XXXXXXXXX XXXX XXXXX XXXXXXXXX reflects XXXXXX XXXXXXXXXXX |
07/16/2026 | A | 1 | XXXXXXXXXX | WA | 1 | 1 | D | B | C | A | D | B | A | A | Non-QM | 1 | ||||||
| 1698918 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450893 | 320 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXXXX closing disclosure provided reflects an interest rate of XXXXXXXXXX XXXXX and loan approval reflect an interest rate of XXXXXXXXX XXXXXXXX updated final XXX to reflect the correct interest rate. | Received revised XX | Reviewer 06/30/2026 03:52 AM; The document provided reflects an interest rate of XXXXXXXXXX XXXXX and loan approval reflect an interest rate of XXXXXXXXX XXXXXXXX updated final XXX to reflect the correct interest rate. |
07/07/2026 | A | 1 | XXXXXXXXXX | NJ | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1698980 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535644 | 351 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - DTI exceeds maximum limit | XXXXX XXXXXXXXXXX approval XXXX over max allowed XXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXXXX reserves when only XX months requiredLTV of XXXXXXXX where the max allowed is XXXXX XXXXXXXXX income of XXXXXXX exceeds the minimum required of XXXXXX | Reviewer 06/08/2026 09:44 AM; |
06/08/2026 | B | 2 | XXXXXXXXXX | NC | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||
| 1699055 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535756 | 445 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Other income documentation missing/incomplete | XXXX loan was approved under the XXXXXXXXX XXXXXXXXX XX XXXXX XXXXXXXXXX program using XXX months of XXXX statements. XXXX lender used a business account and a personal account to qualify the loan. XXXX file is missing the full XXX months of statements for both accounts. | Full XXX months of XXXX statements for both accounts were provided. | Reviewer 07/14/2026 10:11 PM; Documents received and file returned to XXXXXXX XXX for review of income. |
07/15/2026 | A | 1 | XXXXXXXXXX | NC | 1 | 13 | D | A | D | A | A | A | C | A | Non-QM | 1 | ||||||
| 1699074 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535796 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | missing final XXXX | received | Reviewer 06/29/2026 09:40 AM; received Reviewer 06/29/2026 09:49 AM; received Reviewer 06/29/2026 11:05 AM; received |
06/29/2026 | A | 1 | XXXXXXXXXX | CA | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1699087 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535819 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXX management approval for appraisal review with cut value that sup[ports the purchase XXXXX and rural property. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX fico score where the minimum required is XXXX and XXXXXXXXX income of XXXXXXX exceeds the minimum required of XXXXXXXX | Reviewer 07/14/2026 07:55 AM; |
07/14/2026 | B | 2 | XXXXXXXXXX | MS | 2 | 1 | D | B | D | A | A | A | C | B | Non-QM | 1 | ||||||
| 1699096 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535830 | 447 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - 2yr Employment history not verified | XXXXXXXXX less than two years self employment at prequal XXXX yr, XXX months.) | Client waived with compensating factors: XXXXXXXXXX in residual income where XXXXX is required, XXXXXXX months reserves where XX months is required. XXXX XXXXX where XXXX is minimum required. | Reviewer 07/13/2026 01:40 PM; |
07/13/2026 | B | 2 | XXXXXXXXXX | NV | 1 | 1 | D | B | D | B | A | A | A | A | Non-QM | 1 | ||||||
| 1699621 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12663593 | 862 | XXXXXXXXXX | Compliance | Deed of Trust/Mortgage | Deed of Trust/Mortgage - Other: | XXXXXXX provide updated XXXX that doesn't reflect the second XXXXX XXXXXXXX XXXX lender's approval this loan is for a primary purchase. XXXXXXX also include a XXXX to re-record. | Information provided | Reviewer 06/25/2026 09:06 AM; No documentation provided |
07/31/2026 | A | 1 | XXXXXXXXXX | WA | 1 | 1 | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||
| 1699024 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535707 | 898 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | XXXXX tolerance violation of XXXXXXXXXX due to addition of origination fee on XXXXX XXX with no valid coc. XXXXXXX provide evidence of refund along with XXXX to borrower and XXXXX reflecting cure. XXXX must be issued within XXX days of consummation | Client 07/15/2026 05:56 PM; The XXXXXXX rate extension fee XXXXXXXXXXXXXX fee) was mistakenly entered as a flat XXXXXXXXXX XXXXXXX XXXXXXXXXXXX fee. XXXXX was strictly a clerical error. XXXX dollar amount charged matches the mathematical intent of our internal pricing form and the fee was fully disclosed to the borrower. XXXX borrower received the exact extension requested and paid the correct amount. XXXXXX you. Reviewer 07/15/2026 07:02 PM; Reviewer 07/16/2026 12:00 PM; Hello
 XXXXX has been cleared.
 
 XXXXXX |
07/16/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 3 | C | A | C | A | C | A | A | A | Non-QM | 1 | |||||||
| 1698907 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535547 | 868 | XXXXXXXXXX | Credit | Hazard Insurance | Hazard Insurance - Other: | XXXXXXX provide the supplemental hazard policy. | Information provided | Reviewer 06/30/2026 08:18 AM; Supplemental XXXXXXX provided is not for subject property. XXXX remains open Client 06/30/2026 12:51 PM; Please provide additional clarity regarding this finding and why the provided documentation isn't sufficient. XXXXXX you. Reviewer 06/30/2026 01:00 PM; Reviewer 06/30/2026 01:19 PM; Hello
 XXXXXXXX XXX reflects both hazard and supplemental insurance. XXX are missing the supplemental insurance policy.
 
 XXXXXX Client 06/30/2026 02:37 PM; Uploaded are the two insurance policies for the subject property. XXXX of the policies has the address listed as XXXX XX XXXXXX XXXXXXX and XXXX ½ XX XXXXXXXX XXXXX is the new address for the newly constructed duplex on the property. XXXXXX you. Reviewer 06/30/2026 04:33 PM; Reviewer 07/01/2026 11:07 AM; Hello
 XXXXX has been cleared.
 
 XXXXXX |
07/01/2026 | A | 1 | XXXXXXXXXX | CA | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1698956 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535610 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXXX for the XXXXX unit XXXXX loan program require a minimum XXXXX of XXXXXXXX XXX exception was provided for use of XXXXXXX XXXXXX vs. XXXXXXXX but an incorrect amount of XXXXXXX was for all units. XXXXX XX units have market rents of XXXXXXX and the other XX units market rent is XXXXXXX each. XXXXXXXXXX XXXXX based on the total of market rents and XXXX vacancy factor is XXXXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXXXXXXX per unit rents= XXXXX XXXXXXX XXXXXXX months reserves when only XX months required, XXXX fico score where the minimum required is XXX | Reviewer 06/30/2026 05:04 AM; the documents provided did not include an exception approval for the XXXXX of XXXXX Reviewer 07/01/2026 12:13 AM; Received approval; however, did not receive the evidence of market rents for all XX units to be XXXXXXXX each. XXXX not include an exception approval for the XXXXXX XXXXXX Client 07/01/2026 01:08 PM; Updated loan approval addresses approval to allow XXXXXXX rents for each unit. XXXXXX you. Reviewer 07/01/2026 03:15 PM; Condition has been reviewed |
07/01/2026 | B | 2 | XXXXXXXXXX | MA | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1699000 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12451047 | 431 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing | XXXXXXXX an additional months consecutive statement for the borrowers checking account with an available balance of XXXXXXXXXXXX XXXXXXXXXXXX printout only covers one month. XXXX guidelines XX months required. | Only using the XXXXXXXXXXXXXX (sourced and seasoned) vs. the current balance of the account of XXXXXXXXXXXXXXXX | Reviewer 06/05/2026 09:12 PM; XXXX XXXXXXXX XXXXX statements are from XXXXXXXXX - XXXXXXXXXXXX XXX not have full XX months statements. |
06/09/2026 | A | 1 | XXXXXXXXXX | SC | 1 | 1 | D | B | D | B | A | A | A | A | Non-QM | 1 | ||||||
| 1698896 | XXXXXXXXXXX | XXXXXXXXXXX | 12450822 | 9 | XXXXXXXXXX | Credit | Application | Application - is missing | XXXXXXXXXXXX is missing for XXXXXXXXXXXXXX XXXXXXX provide application for XXXXXXXXXXXXX | Information provided | Client 04/29/2026 06:24 AM; Initial XXXXX uploaded XX Reviewer 04/29/2026 07:15 AM; Reviewer 04/29/2026 03:24 PM; Hello
 XXXXX has been cleared.
 
 XXXXXX |
04/29/2026 | A | 1 | XXXXXXXXXX | TN | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1698901 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12450839 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX XXXXXXXXXXX approval to waive pay history on the commercial mortgage held in borrowers XXXXX XXXXXXXXXX XXX XXXXXXXXXXXX XXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXXXXXXX income of XXXXXXXXX exceeds the minimum required of XXXXXXXX XXXX of XXXXXXXXX where the maximum allowed is XXXXX | Reviewer 05/05/2026 07:38 AM; |
05/05/2026 | B | 2 | XXXXXXXXXX | FL | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||
| 1698903 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535536 | 898 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | XXXXX is currently failing XXX tolerance for increase in the XXXXXXX XXXXXXX XXXXXXX fee without a valid explanation and for the addition of an XXXXXXXXXXXX fee in XXXX XX without a valid explanation XXXXXX violation amount is XXXXXXXXX XXXXX will be reviewed again upon receipt and review of the final signed XXXX | Reviewer 07/15/2026 10:12 AM; ***UPDATE***Zero tolerance violation of XXXXX due to increase in XXXXXXX XXXXXXX XXXXXXX fee of XXXXX on XXXXX and addition of credit report fee on XXXXXXXXXXXXX XXXXX was cured at closing leaving a balance of XXXXXX XXXXXXX provide proof of refund, XXXX to borrower and a XXXXX reflecting cure. XXXX must be provided within XXX days of closing Reviewer 07/22/2026 09:52 AM; escalated for review |
07/22/2026 | B | 2 | XXXXXXXXXX | WA | 1 | 1 | D | B | C | A | D | B | A | A | Non-QM | 1 | |||||||
| 1698932 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535582 | 219 | XXXXXXXXXX | Credit | HUD1 | HUD1 - Final HUD-1 is missing | XXXXXXX provide the final closing disclosure, executed by the borrower on the consummation date, or the final XXXXXX settlement statement. | Information provided | Reviewer 07/09/2026 06:10 AM; Return file to XXXXXXXXX XXX for review of fully executed closing disclosure upon receipt. Reviewer 07/09/2026 08:49 AM; CD provided has not been signed. XXXXX XXX signed at closing. |
07/13/2026 | A | 1 | XXXXXXXXXX | PA | 3 | 1 | D | B | D | B | N/A | N/A | C | B | Exempt | 1 | ||||||
| 1698944 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535596 | 258 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal - Completion Certification | XXXXXXXX final XXXXX XXXXXX confirming an inspection by a professional remediation company to determine the cause, and remedy, if necessary, of the mold and mildew in the bathroom of XXXXX X | XXXXD and photo of the bathroom provided | Client 07/02/2026 12:48 PM; XXXXD provided. XXXXXXX clarify the basis for these additional requirements to clear the finding. XXXXXX you. Reviewer 07/02/2026 04:55 PM; Condition has been reviewed |
07/02/2026 | A | 1 | XXXXXXXXXX | CA | 3 | 1 | C | B | C | B | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1698974 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535639 | 356 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - Not Authorized | XXXXXXXXXXX for the XXXXX XXXXX unit loan program do not allow when vesting in an XXXXXXXX the loan documents cannot be executed pursuant to a power of attorney. XXXX borrower was granted XXXX for the second borrower which closed as an XXXXXXXX | XXXX XXXXXXXXX XXX to proceed with documents provided which include XXXXXX review email from client stating XXXXXXXX XXXXXXX XXXXXXX & XXXXXXX XXXXXXX XXXXX will sign as XXXXXXXX and both should provide personal guarantees. | Client 07/16/2026 11:30 AM; Please clarify what else is required on this one. XXXX previous escalation states what occurred. XXXXXXXX Reviewer 07/16/2026 12:53 PM; Condition has been reviewed |
07/16/2026 | A | 1 | XXXXXXXXXX | OH | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1699013 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12451074 | 351 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - DTI exceeds maximum limit | XXXX XXXX XXXX when XXXX is greater than XXXXXX XXXXXX approval states XXXX XXXXXXXX | Revised XXXXX XXXXXXXXX provided | Reviewer 06/04/2026 03:34 PM; Final loan approval qualifying income XXXXXXXXXXXXXXX XXXXX qualifying income XXXXXXXXXXXXXXX XXXXXX loan approval XXXX XXXXXXXXXX XXXXX XXXX XXXXXXXXXX XXXXXX loan approval and XXXXX need to match. |
06/05/2026 | A | 1 | XXXXXXXXXX | AZ | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||
| 1699032 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12451111 | 898 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | XXX tolerance violation for increase in XXXXXXXXXX XXXXXXXXXXX XXXX without a valid XXXXXX XXXXXX tolerance violation of XXXXXXXXXXX XX refund in the amount of XXXXXXXXX along with XXXXX XXXX lox to borrower, copy of refund check and proof of delivery required within XXX days from consummation date of XXXXXXXXXX | Information provided | Client 06/11/2026 05:21 PM; Smart fees were used for XXXXX XXXXXXXX was given XXXX and revised XXX sent XXXX per disclosure tracking. XXXXXX you. Reviewer 06/11/2026 05:24 PM; Reviewer 06/11/2026 05:38 PM; Hello
 XXXXX is not a valid reason for increase in fees.
 
 XXXXXX Client 06/15/2026 10:44 AM; The total fee of XXXXXX did not change and the new lines were simply reclassifications of the same appraisal work. XXXX XXXX fee and XXXXXXXXXX fee totals XXXXXX on both the XXX and XXXXX XXXX borrower’s cost was not increased, and the fee lines were updated to reflect accurate itemization. XXXXXX you. Reviewer 06/15/2026 01:40 PM; Reviewer 06/15/2026 02:41 PM; Hello,
 XXXXXXXXXXX has been cleared |
06/15/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | A | C | A | C | A | A | A | Non-QM | 1 | ||||||
| 1699021 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535699 | 271 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Collateral not acceptable/warrantable | XXXXXXXXXX on all programs require senior management approval. XXXXXXXXXX approval from senior management in fill allowing for condotel. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXXXX reserves when only XXXXXXX required, XXXXXXXXXX current mortgage payment history and XXXX fico score where the minimum required is XXX | Reviewer 06/26/2026 09:14 AM; |
06/26/2026 | B | 2 | XXXXXXXXXX | FL | 2 | 1 | C | B | A | A | A | A | C | B | Safe Harbor QM (APOR) | 1 | ||||||
| 1699024 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535705 | 895 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID CD- Need proof CD was received 3 days prior to consummation | XXXXX proof the initial XXX XXXXX was received at least XX days prior to consummation. | Information provided | Reviewer 07/10/2026 09:54 AM; Tracking provided reflects the borrower reviewed the document on XXXXXX which is after closing. XXXXX evidence the XXXX was received at least XX days prior to closing. Client 07/14/2026 01:14 PM; Hi, XXXX has increased marginally, XX day wait does XXXX reset but right of rescission still applies. XXXXXXXX Reviewer 07/14/2026 02:24 PM; Reviewer 07/15/2026 12:27 PM; Hello
 XXXX XXXXXXXX XXX must be received by borrower XX days prior to closing (this is required regardless of XXXXXXX 
 XXXXXX Client 07/15/2026 12:28 PM; According to disclosure tracking, the borrower viewed the initial XXX on XXXXXXXX which is XX days prior to signing docs. XXXXXX was an updated XXX sent on XXXXXXXX which did not re-set the XXXXXX waiting period. XXXXX same updated XXX was signed on XXXXX with the loan docs. XXXXX should be acceptable since the updated XXX did not cause a XXXXXX waiting period. Reviewer 07/15/2026 01:30 PM; Hello
 XXXXXXXXXXXXX and testing have been updated. XXXXXX is a tolerance violation for the addition of origination fees(coc is not valid (coc reference's XXXXX pnt added to extend pricing, however pnts were not charged).
 
 XXXXXX Reviewer 07/15/2026 03:04 PM; |
07/15/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 3 | C | A | C | A | C | A | A | A | Non-QM | 1 | ||||||
| 1699033 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535722 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXXX the XXXXXX XXXXXXXXXXX from the original documents. XXXXXXXXX on all loans. XXXXXXX submit. | Received documentation | Reviewer 07/10/2026 06:23 PM; Please return to original XXX upon receipt. Reviewer 07/13/2026 10:27 AM; Document received and file returned to XXXXXXX XX |
07/14/2026 | A | 1 | XXXXXXXXXX | NM | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | ||||||
| 1699034 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535725 | 868 | XXXXXXXXXX | Credit | Hazard Insurance | Hazard Insurance - Other: | XXXXXXX provide updated hazard policy with the policy number present. | Reviewer 07/20/2026 10:41 AM; HOI provided has an effective date of XXXXXXX XXXXX closed on XXXXXXX XXXXX effective date of XXXX on or before closing Client 07/23/2026 12:46 PM; Updated hazard provided. XXXXXX you. Reviewer 07/23/2026 01:01 PM; Reviewer 07/23/2026 04:33 PM; Hello
 XXXXX has been cleared.
 
 XXXXXX |
07/23/2026 | A | 1 | XXXXXXXXXX | TX | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1699049 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535745 | 1015 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - IRS Transcripts required | XXXXXXXXXXX when utilizing XXXXX income require transcripts be provided if not using XXXXXXXX XXX XXXXXX or transcripts were provided. | Per loan approval in file: XXXXXXX calculated conservatively using ytd XXXX statements from XXXXX income. XXXXXXX are handprinted but able to see the ytd is in line with XXXXX XXXXXXX but using the ytd as it is slightly less. XXXXXXXXX is a xxxx for a small renovations company in XXXXXXXXXXX XXXXX XXXXX to validate business with internet search. XXXXXXXXX with senior mgmt, ok to proceed | Client 07/16/2026 01:59 PM; Per loan approval in file: XXXXXXX calculated conservatively using ytd XXXX statements from XXXXX income. XXXXXXX are handprinted but able to see the ytd is in line with XXXXX XXXXXXX but using the ytd as it is slightly less. XXXXXXXXX is a XXXX for a small renovations company in XXXXXXXXXXX XXXXX XXXXX to validate business with internet search. XXXXXXXXX with senior mgmt, ok to proceed. XXXXXX you. Reviewer 07/16/2026 02:51 PM; Condition has been reviewed |
07/16/2026 | A | 1 | XXXXXXXXXX | TN | 1 | 1 | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||
| 1699071 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535785 | 898 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | XXX tolerance violation for increase in XXXXXXX XXXXXXX XXXXXXX XXXX without a valid XXXXXX XXXXXX tolerance violation of XXXXXXXXXXXX XX refund in the amount of XXXXXXXXXX along with XXXXX XXXX lox to borrower, copy of refund check and proof of delivery required within XXX days from consummation date of XXXXXXXXXXX | Information provided | Reviewer 07/10/2026 09:26 AM; Coc provided is not valid. XXXXXXXXXX is not a valid reason. XXXXXXX required Client 07/10/2026 02:28 PM; COC in file reads: XXXXXXX report invoice came in higher than what was dislcosed at XXXXX XXXXX is a very specific and clear reason why the fee would change. XXXXXX you. Reviewer 07/10/2026 02:32 PM; Not credit Reviewer 07/13/2026 01:08 PM; Hello
 XXXXXXXXXX a higher invoice is not valid reason to increase the fee to the borrower. XXXXXXX is required.
 
 XXXXXX |
07/22/2026 | A | 1 | XXXXXXXXXX | TX | 1 | 3 | D | B | D | B | C | A | A | A | Non-QM | 1 | ||||||
| 1699072 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535791 | 433 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Short funds to close | XXXX file contains verified assets of XXXXXXXXXXXXXX and XXXXXXXXXXXXXX is required for closing. XXXXXX funds to close of XXXXXXXXXXXXXXX XXXX application and approval reflect additional assets; however, the file is missing the XXXX statements. | Borrower has XXXXXXXXXXXXXX in access verified assets. XXXXXXXX XXXXXXXX XXXXXXXXX XXXXXXXXXXX and XXXXXXXXX statements provided. | Client 07/09/2026 05:10 PM; Borrower has XXXXXXXXXXXX in access verified assets. XXXX uploaded documents. Reviewer 07/10/2026 04:29 AM; Condition has been reviewed |
07/09/2026 | A | 1 | XXXXXXXXXX | VA | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | ||||||
| 1699080 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535808 | 261 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal - Misrepresentation | XXXXXXXXX is being appraised as a XXXXXXXXXXX XX bath condo. XXXXXXXXXX photograph of second sleeping area is labeled as a loft. XXXXXXXXXXXXX from appraiser the loft area meets the legal and code requirements to be valued as a bedroom. | Subject is listed as a loft style bedroom online. XXXXXX XXXX are from same project with similar attributes. | Client 07/16/2026 01:20 PM; It is listed as a loft style bedroom online. XXXXXX XXXX are from same project with similar attributes. XXXXXX you. Reviewer 07/16/2026 02:28 PM; Condition has been reviewed |
07/16/2026 | A | 1 | XXXXXXXXXX | FL | 3 | 1 | D | B | D | B | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1699099 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535837 | 447 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - 2yr Employment history not verified | XXXXXXXX evidence borrower has been self-employed for a minimum of XX years as required per guidelines for the XXXXXXXXXXXXXXXXXX XXX month XXXXX XXXXXXXXXX loan program. | EIN # is dated XXXXXXXXXX | Client 07/13/2026 05:31 PM; Business registration in file shows filing date of XXXXXXXXXX XXXXXX you. Reviewer 07/14/2026 07:12 AM; Condition has been reviewed |
07/13/2026 | A | 1 | XXXXXXXXXX | PA | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | ||||||
| 1699012 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535691 | 1006 | XXXXXXXXXX | Credit | UW Approval | UW Approval - UW Approval - 1008 or 92900 LT missing | XXXX XXXXX and XXXXX XXXXXXXXX were not provided. | Received XXX loan analysis | Reviewer 06/23/2026 04:29 PM; The XXXXX was received. XXXX XXXXX XXXXXXXXX was not received. |
06/24/2026 | A | 1 | XXXXXXXXXX | CO | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | ||||||
| 1699074 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535797 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXX XXXXXXXXXXX approval to use XXXXXXX report for short term rents. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXXX of XXXXXXX where the minimum required is XXXXXX XXXX fico score where the minimum required is XXXXXX | Reviewer 06/29/2026 09:37 AM; |
06/29/2026 | B | 2 | XXXXXXXXXX | CA | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1698917 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535562 | 868 | XXXXXXXXXX | Credit | Hazard Insurance | Hazard Insurance - Other: | XXXXXX of XXXXXXXXXX does not include a policy #. XXXXXXX # can not be listed as XXX | Information provided | Reviewer 06/12/2026 11:13 AM; Document provided is blank |
06/22/2026 | A | 1 | XXXXXXXXXX | ME | 1 | 1 | C | B | C | B | C | A | C | A | Non-QM | 1 | ||||||
| 1698966 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535628 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXX XXXXXXXXXXX approval required for square footage less than XXXX square foot per unit. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months required, XXXXX of XXXXXXX where the minimum required is XXXXXX and XXXX of XXXX where the max allowed is XXXXX | Reviewer 06/10/2026 07:36 AM; |
06/10/2026 | B | 2 | XXXXXXXXXX | NV | 3 | 13 | C | B | C | A | N/A | N/A | C | B | Exempt | 1 | ||||||
| 1698983 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12535651 | 320 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXXXXX XXXXXX on all programs require XXXXXXX XXXXXXXXXXX XXXXXXXXXXX XXXXXXXXXX XXXXXXXXX from XXXXXXX XXXXXXXXXXX is in file to allow XXXXXXX XXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXX where the max allowed is XXXXX XXXXXXXX months reserves when only XXXXXXX required, residual income of XXXXXXX when only XXXXXXX required and XXXX fico score where the minimum required is XXX | Reviewer 06/09/2026 08:30 AM; |
06/09/2026 | B | 2 | XXXXXXXXXX | FL | 1 | 1 | C | B | C | B | A | A | C | B | Safe Harbor QM (APOR) | 1 | ||||||
| 1699019 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 12451085 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX management approval for reverse XXXXXX and rural properties. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required and XXXX of XXXXXXXX where the max allowed is XXXXX | Reviewer 06/15/2026 06:48 PM; |
06/15/2026 | B | 2 | XXXXXXXXXX | WA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 |