Exhibit 99.02 Schedule 2
| Loan Number | Seller Loan Number | Originator | Last Name | Note Date | Original Balance | State | TPR QM ATR Status | Loan Status | Exception Date | Remediation Status | Exception ID | Exception Type | Exception Category | Exceptions | Exception Rebuttal | Exception Rebuttal Date | Exception Rebuttal Response | Exception Rebuttal Response Date | Compensating Factors | Initial Overall Loan Grade | Final Overall Loan Grade | Initial Exception Grade | Final Exception Grade | Initial Credit Grade | Final Credit Grade | Initial Property Valuation Grade | Final Property Valuation Grade | Initial Compliance Grade | Final Compliance Grade | Initial Overall Grade (DBRS/Morningstar) | Initial Credit Grade (DBRS/Morningstar) | Initial Property Valuation Grade (DBRS/Morningstar) | Initial Compliance Grade (DBRS/Morningstar) | Initial Overall Grade (Fitch) | Initial Credit Grade (Fitch) | Initial Property Valuation Grade (Fitch) | Initial Compliance Grade (Fitch) | Initial Overall Grade (Kroll) | Initial Credit Grade (Kroll) | Initial Property Valuation Grade (Kroll) | Initial Compliance Grade (Kroll) | Initial Overall Grade (Moodys) | Initial Credit Grade (Moodys) | Initial Property Valuation Grade (Moodys) | Initial Compliance Grade (Moodys) | Initial Overall Grade (S&P) | Initial Credit Grade (S&P) | Initial Property Valuation Grade (S&P) | Initial Compliance Grade (S&P) | Final Overall Grade (DBRS/Morningstar) | Final Credit Grade (DBRS/Morningstar) | Final Property Grade (DBRS/Morningstar) | Final Compliance Grade (DBRS/Morningstar) | Final Overall Grade (Fitch) | Final Credit Grade (Fitch) | Final Property Grade (Fitch) | Final Compliance Grade (Fitch) | Final Overall Grade (Kroll) | Final Credit Grade (Kroll) | Final Property Grade (Kroll) | Final Compliance Grade (Kroll) | Final Overall Grade (Moodys) | Final Credit Grade (Moodys) | Final Property Grade (Moodys) | Final Compliance Grade (Moodys) | Final Overall Grade (S&P) | Final Credit Grade (S&P) | Final Property Grade (S&P) | Final Compliance Grade (S&P) |
| 4000106535 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | ATR/QM: Exempt | Loan Review Complete | 02/24/2026 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing Final CD or Settlement Statement reflecting the property at XXX was XXX and XXX #XXX with a balance of XXX was paid off. Please provide supporting documentation reflecting the new mortgage payment is XXX for the property at XXX XXX. Per LOE from the borrower, there are no HOA dues on the properties at XXX XXX, however the XXX personal tax return Statements XX/XX/XXXX reflects association dues, which were included in the rental income calculations. Please provide HOA Statements for the properties at XXX XXX. | As per our underwriter the following hoa amt are base on our XXX docs and uw hit it already to our dti | XXX | HOA = XX/XX/XXXX = XXX | XXX | HOA = XX/XX/XXXX = XXX | XXX | HOA = XX/XX/XXXX = XXX | | XXX) XXX = this file has concurrent loan with us but they cancelled it afte closing of this file. Uw now hit the full PITI for this prop base on orig loan. I have attached the PITI docs that is in file for reference. | | XXX) attached also updated aus w/ hoa amt for XXX prop hit in our dti | ; As per our underwriter the following hoa amt are base on our XXX docs and uw hit it already to our dti | XXX | HOA = XX/XX/XXXX = XXX | XXX | HOA = XX/XX/XXXX = XXX | XXX | HOA = XX/XX/XXXX = XXX | | XXX) XXX = this file has concurrent loan with us but they cancelled it afte closing of this file. Uw now hit the full PITI for this prop base on orig loan. I have attached the PITI docs that is in file for reference. | | XXX) attached also updated aus w/ hoa amt for XXX prop hit in our dti | ; As per our underwriter all of these properties are sfr.. pls see attached; As per our underwriter all of these properties are sfr.. pls see attached; hoa Statement; HOA StateMENT | 03/10/2026 | Lender provided corrected AUS; condition cleared.; XXX XXX -> Provide XXX documentation to support payoff of XXX #XXX and include supporting documentation indicating the new monthly mortgage payment of XXX per months; XXX -> Provide copy of most recent HOA dues invoice(s); XXX -> Provide copy of most recent HOA dues invoice(s); XXX -> Provide copy of most recent HOA dues invoice(s). Third party verification supports association dues, rental calculations supported liablity, and no matter XXX, documentation is required to meet ATR regulations.; Audit reviewed the documentation provided. XXX XXX: Lender provided the property profile. Please provide the missing Final CD or Settlement Statement for the XXX loan with XXX #XXX with a balance of XXX showing evidence this was paid off. Also please provide supporting documentation reflecting the new mortgage payment is XXX for this property. Credit report shows XXX and the 1003, XXX. For the properties located at XXX XXX. The property profiles show Single Family Residence and an LOE is in the file, from the borrower, stating there are no HOA dues on the properties. However, the XXX personal tax returns, under Statements, show association dues, which were included in the rental income calculations. Specifically, Statement XXX shows XXX in association dues for XXX. Statement XXX shows XXX for XXX., and Statement XXX shows XXX in association dues. Please provide and LOE as to why the returns are showing association dues or the HOA Statements for the properties at XXX XXX. Condition retained. | 03/11/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 754 is greater than Guideline minimum FICO of 640. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.32% is less than Guideline CLTV of 85% Original LTV is Below the Guideline Maximum - Calculated LTV of 68.32% is less than Guideline LTV of 85% Borrower has stable job time - Borrower has 4.1 years on job. Borrower has 4.1 years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000128175 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | ATR/QM: Exempt | Loan Review Complete | 04/21/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 66.49% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 66.49% is less than Guideline LTV of 80% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000128175 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | ATR/QM: Exempt | Loan Review Complete | 04/21/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 66.49% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 66.49% is less than Guideline LTV of 80% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000128175 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | ATR/QM: Exempt | Loan Review Complete | 04/21/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 66.49% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 66.49% is less than Guideline LTV of 80% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000104059 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MI | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/24/2025 | Rescinded | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Profit and Loss Statement reflects dates of XXX-XXX, XX/XX/XXXX months. Guidelines require the most recent XXX month P&L. A Profit and Loss Statement reflecting a XXX month date range of, XXX-XXX, is missing from the loan file. | Document Uploaded. | 11/26/2025 | Documentation is sufficient. P & L acceptable. Exception rescinded. ; Income and Employment Meet Guidelines | 12/01/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 4000104059 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MI | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/24/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 11/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of
41.95% is less than Guideline DTI of 55% Borrower has stable job time - Borrower has 18.46 years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000104059 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MI | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/25/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 11/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of
41.95% is less than Guideline DTI of 55% Borrower has stable job time - Borrower has 18.46 years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000128178 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 793 is greater than Guideline minimum FICO of 740. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.2% is less than Guideline CLTV of 70% Original LTV is Below the Guideline Maximum - Calculated LTV of 42.2% is less than Guideline LTV of 70% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000128178 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 793 is greater than Guideline minimum FICO of 740. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.2% is less than Guideline CLTV of 70% Original LTV is Below the Guideline Maximum - Calculated LTV of 42.2% is less than Guideline LTV of 70% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000128178 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | ATR/QM: Exempt | Loan Review Complete | 04/16/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 793 is greater than Guideline minimum FICO of 740. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.2% is less than Guideline CLTV of 70% Original LTV is Below the Guideline Maximum - Calculated LTV of 42.2% is less than Guideline LTV of 70% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 6000099444 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NC | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/15/2025 | Resolved | XXX | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Violation in the amount of $XXX. Documentation required to clear exception: The initial LE dated within XXX days of the XXX of XX/XX/XXXX appears to be missing from the file. Compliance testing will be completed upon receipt. | Please see attached XX/XX/XXXX Loan Estimate. | 10/21/2025 | Initial LE provided; exception resolved; Initial LE provided; exception resolved; This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). | 10/22/2025 | Borrower has stable job time - Borrower has 6.54 years on job. | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 6000099444 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NC | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/15/2025 | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to decrease from XXX on LE XX/XX/XXXX to XXX on LE XX/XX/XXXX and all subsequent CD's. | Please refer to page XXX confirming the change in circumstance for pricing changes which affected the lender credits. | 10/21/2025 | Initial LE provided; Exception resolved; Initial LE provided; Exception resolved | 10/22/2025 | Borrower has stable job time - Borrower has 6.54 years on job. | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 6000099444 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NC | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/15/2025 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Violation in the amount of $XXX. Documentation required to clear exception: The initial LE dated within XXX days of the XXX of XX/XX/XXXX appears to be missing from the file. Compliance testing will be completed upon receipt.. | Document Uploaded. Please see attached XX/XX/XXXX Loan Estimate. | 10/21/2025 | Initial LE provided; Exception resolved; Initial LE provided; Exception resolved | 10/22/2025 | Borrower has stable job time - Borrower has 6.54 years on job. | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 6000099444 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NC | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/15/2025 | Resolved | XXX | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Provide the ILE dated within XXX business days from application XX/XX/XXXX. TRID review will be completed upon receipt. | Please see attached XX/XX/XXXX Loan Estimate. | 10/21/2025 | Initial LE provided; Exception resolved; Initial LE provided; Exception resolved | 10/22/2025 | Borrower has stable job time - Borrower has 6.54 years on job. | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 6000099444 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NC | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/20/2025 | Resolved | XXX | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. Provide evidence to confirm when the revised LE XX/XX/XXXX was received to confirm timing requirements were met. | Document Uploaded. Please see the attached internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XX/XX/XXXX. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. | 10/21/2025 | Revised LE receipt date provided; Exception resolved; Revised LE receipt date provided; Exception resolved | 10/22/2025 | Borrower has stable job time - Borrower has 6.54 years on job. | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 6000099444 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NC | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/17/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 10/20/2025 | Borrower has stable job time - Borrower has 6.54 years on job. | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 6000099444 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NC | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/17/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Compliant | 10/20/2025 | Borrower has stable job time - Borrower has 6.54 years on job. | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 6000099516 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | TN | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/16/2025 | Acknowledged | XXX | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. As per AUS, Loan is eligible for an appraisal waiver. | Exception is non-material and graded as level 2/B for property due to PIW. | 07/01/2026 | C | B | B | B | A | A | C | B | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||
| 6000099516 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | TN | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/16/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX & AUS shows appraisal is waived for the file. UCDP Submission & Collateral Rep & Warrant Relief Status Provided document missing in the file. | AVM provided. | 10/22/2025 | Third Party Valuation Product Not Provided or Not Provided Within Tolerance.; ; Resolved- AVM Uploaded and inputted into system. Third Party Valuation Product Not Provided or Not Provided Within Tolerance.; Document Uploaded. | 04/02/2026 | C | B | C | A | A | A | C | B | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |
| 6000099516 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | TN | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/16/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Compliant | 10/20/2025 | C | B | A | A | A | A | C | B | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||
| 6000099516 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | TN | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/16/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 10/20/2025 | C | B | A | A | A | A | C | B | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||
| 6000102827 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/04/2025 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. Please see the attached CIC submitted by the partner on the borrower's behalf to rush request the appraisal. | 11/07/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved; TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Fee on XX/XX/XXXX without a valid COC. | 11/08/2025 | Borrower has stable job time - Borrower has 22.63 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 758 is greater than Guideline minimum FICO of 700 |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 6000102827 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/05/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 11/06/2025 | Borrower has stable job time - Borrower has 22.63 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 758 is greater than Guideline minimum FICO of 700 |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 6000102827 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/05/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 11/06/2025 | Borrower has stable job time - Borrower has 22.63 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 758 is greater than Guideline minimum FICO of 700 |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 6000110455 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | TX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/23/2026 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing the FNMA and FHLMC UCDP summaries. | There are no UCDP summaries to provide as only a data collection was obtained on this loan. | 01/27/2026 | TPV provided within tolerance; finding resolved.; Document Uploaded. ; We apologize for the confusion. The exception is for Third Party Valuation Product Not Provided or Not Provided Within Tolerance vs. missing the UCDP. Please provide a third party valuation product that supports the value within XXX% as required for securitization. Thank you.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing the FNMA and FHLMC UCDP summaries. | 02/23/2026 | Borrower has stable job time - Borrower has 20.21 years on job. | C | B | C | A | A | A | C | B | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| 6000110455 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | TX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/23/2026 | Acknowledged | XXX | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. DU approved use of accepted value in lieu of obtaining an appraisal. | PIW used at origination; Property Inspection Waiver or Appraisal Waiver used as origination valuation product. DU approved use of accepted value in lieu of obtaining an appraisal. | 01/26/2026 | Borrower has stable job time - Borrower has 20.21 years on job. | C | B | B | B | A | A | C | B | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||
| 6000110455 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | TX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/23/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 01/26/2026 | Borrower has stable job time - Borrower has 20.21 years on job. | C | B | A | A | A | A | C | B | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||
| 6000110455 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | TX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/26/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 01/26/2026 | Borrower has stable job time - Borrower has 20.21 years on job. | C | B | A | A | A | A | C | B | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||
| 6000110219 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/23/2026 | Cured | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to decrease from XXX to XXX for the Lender Credit. The change occurred on the Final CD XX/XX/XXXX. without a valid COC. | Document Uploaded. Please see attached PCCD curing the issue. ; Please review Pg XXX of the CD where a XXX principal reduction was applied to give the borrower the full XXX credit they were entitled to. Please review to cancel this exception. | 02/19/2026 | Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B.; Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B.; Reviewed the initial CD and Final CD in file and Lender Credits decreased by XXX from XXX on the initial CD dated XX/XX/XXXX, to XXX on the final CD dated XX/XX/XXXX without a valid COC in file. Please provide a valid COC or cure package. | 02/20/2026 | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 6000110219 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/23/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 01/26/2026 | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 6000110219 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/23/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/26/2026 | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 6000110220 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | PA | ATR/QM: Exempt | Loan Review Complete | 01/26/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 01/27/2026 | Borrower has stable job time - Borrower has 2.5 years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 6000110220 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | PA | ATR/QM: Exempt | Loan Review Complete | 01/26/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/27/2026 | Borrower has stable job time - Borrower has 2.5 years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 6000110220 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | PA | ATR/QM: Exempt | Loan Review Complete | 01/27/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 01/27/2026 | Borrower has stable job time - Borrower has 2.5 years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 6000110281 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/23/2026 | Acknowledged | XXX | Property | Property Inspection Waiver Used at Origination | Property Inspection Waiver or Appraisal Waiver used as origination valuation product. LPA approved a Property Inspection Waiver. | Exception is non-material and graded as level 2/B for property due to PIW. | 07/01/2026 | Borrower has stable job time - Borrower has 37.63 years on job. | D | B | B | B | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||
| 6000110281 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/23/2026 | Resolved | XXX | Credit | Missing income documentation | B1 was qualified using other income of XXX per month. File contained documentation for an adoption benefit of XXX per month, but the remaining other income could not be verified. Documentation verifying source of other income is required. | Please see attached rental income calculations. | 01/30/2026 | Audit miscalculated the REO income for XXX XXX using XXX Fair Rental Days instead of XXX per Sch E. Income now matches lender's income. | 02/03/2026 | Borrower has stable job time - Borrower has 37.63 years on job. | D | B | D | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| 6000110281 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/23/2026 | Resolved | XXX | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% The XXX reflects other income for B1 of XXX and total income of XXX which matches Loan Product Advisor (LPA). The Final 1003 only reflects other income (adoption benefit) of $XXX. There is no documentation indicating what the remaining XXX other income is from. Without this income, the DTI increases to XXX% and exceeds the LPA resubmission tolerance. | Document Uploaded. Please see attached rental income calculations.; Please be advised the loan was qualified with XXX in W2 income from XXX, the loan file contains paystub, XXX W2, and VOE. The remaining income is rental income calculated from the Schedule E. Total qualifying income of XXX is accurate. | 01/30/2026 | Audit miscalculated the REO income for XXX XXX using XXX Fair Rental Days instead of XXX per Sch E. Income now matches lender's income.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Based on the Schedule E Income calculation for REOs listed on the Final 1003, Audit's Total Net REO income is XXX vs Final 1003 Total REO Net income of $XXX. Audit's total B1 &B2 qualifying Income = XXX resulting in DTI of XXX%. Please advise lender's Sch E Income calculation that resulted in Net REO income greater than $XXX.; Audited DTI of XXX% exceeds AUS DTI of XXX% The XXX reflects other income for B1 of XXX and total income of XXX which matches Loan Product Advisor (LPA). The Final 1003 only reflects other income (adoption benefit) of $XXX. There is no documentation indicating what the remaining XXX other income is from. Without this income, the DTI increases to XXX% and exceeds the LPA resubmission tolerance. | 02/03/2026 | Borrower has stable job time - Borrower has 37.63 years on job. | D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| 6000110281 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/23/2026 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. FNMA and FHLMC UCDP summaries were not provided. Unable to determine CU score and if a TPV is required. | Third party valuation product provided within tolerance.; Document Uploaded. ; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. FNMA and FHLMC UCDP summaries were not provided. Unable to determine CU score and if a TPV is required. | 02/03/2026 | Borrower has stable job time - Borrower has 37.63 years on job. | D | B | C | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||
| 6000110281 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/23/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 01/27/2026 | Borrower has stable job time - Borrower has 37.63 years on job. | D | B | A | A | D | A | C | B | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||
| 4000106302 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | OH | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Cleared | 07/01/2026 | C | B | A | A | A | A | C | B | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||
| 4000106302 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | OH | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Cleared | 07/01/2026 | C | B | A | A | A | A | C | B | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||
| 4000106302 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | OH | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Acknowledged | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Subject property is a flip as the previous sale was XX/XX/XXXX. File is missing: Sufficient documentation to validate actual cost to construct or renovate (e., XXX contracts, plans and specifications, XXX months of receipts, invoices, lien waivers, etc.). Required per lender guidelines. | Document Uploaded. | 12/10/2025 | Increase in XXX within XXX days requires documentation to validate renovation costs, which were not provided but required by guidelines. However, a credit exception was approved to waive the collection of documents for renovations, citing compensating factors of an excellent credit history/minimal use of consumer credit, Borrower residing in residence for over XXX years, no payment shock, low DTI, significant residual income and excessive reserves. Acknowledged and downgraded. | 12/11/2025 | C | B | C | B | A | A | C | B | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |
| 4000106295 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | AZ | ATR/QM: Exempt | Loan Review Complete | 12/05/2025 | Resolved | XXX | Credit | Borrower 1 Lease Agreements Missing | Borrower 1 Lease Agreements Missing Loan file is missing the lease agreement for the investment property located in XXX. | Document Uploaded. | 12/10/2025 | Documentation is sufficient. Updated 1008 and 1003 provided. Exception resolved.; Borrower 1 Lease Agreements Provided | 12/11/2025 | Borrower has stable job time - Borrower has 12.0 years on
job. Qualifying DTI below max allowed. - Calculated DTI of 16.45% is less than Guideline DTI of 55% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 719 is greater than Guideline minimum FICO of 700 |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000106295 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | AZ | ATR/QM: Exempt | Loan Review Complete | 12/05/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | informational | 12/09/2025 | Borrower has stable job time - Borrower has 12.0 years on
job. Qualifying DTI below max allowed. - Calculated DTI of 16.45% is less than Guideline DTI of 55% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 719 is greater than Guideline minimum FICO of 700 |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000106295 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | AZ | ATR/QM: Exempt | Loan Review Complete | 12/05/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | informational | 12/09/2025 | Borrower has stable job time - Borrower has 12.0 years on
job. Qualifying DTI below max allowed. - Calculated DTI of 16.45% is less than Guideline DTI of 55% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 719 is greater than Guideline minimum FICO of 700 |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000128180 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | ATR/QM: Exempt | Loan Review Complete | 04/23/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/24/2026 | Original LTV is Below the Guideline Maximum - Calculated
LTV of 49.94% is less than Guideline LTV of 75% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.94% is less than Guideline CLTV of 75% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000128180 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | ATR/QM: Exempt | Loan Review Complete | 04/23/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/24/2026 | Original LTV is Below the Guideline Maximum - Calculated
LTV of 49.94% is less than Guideline LTV of 75% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.94% is less than Guideline CLTV of 75% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000128180 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | ATR/QM: Exempt | Loan Review Complete | 04/23/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/24/2026 | Original LTV is Below the Guideline Maximum - Calculated
LTV of 49.94% is less than Guideline LTV of 75% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.94% is less than Guideline CLTV of 75% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000128176 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | ATR/QM: Exempt | Loan Review Complete | 04/23/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/24/2026 | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 75% is less than Guideline CLTV of 85% Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 794 is greater than Guideline minimum FICO of 740. Qualifying DTI below max allowed. - Calculated DTI of 13.7% is less than Guideline DTI of 50% Borrower has stable job time - Borrower has 5.16 years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000128176 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | ATR/QM: Exempt | Loan Review Complete | 04/23/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/24/2026 | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 75% is less than Guideline CLTV of 85% Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 794 is greater than Guideline minimum FICO of 740. Qualifying DTI below max allowed. - Calculated DTI of 13.7% is less than Guideline DTI of 50% Borrower has stable job time - Borrower has 5.16 years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000128176 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | ATR/QM: Exempt | Loan Review Complete | 04/23/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/24/2026 | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 75% is less than Guideline CLTV of 85% Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 794 is greater than Guideline minimum FICO of 740. Qualifying DTI below max allowed. - Calculated DTI of 13.7% is less than Guideline DTI of 50% Borrower has stable job time - Borrower has 5.16 years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000127550 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 04/23/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/24/2026 | Original LTV is Below the Guideline Maximum - Calculated
LTV of 75% is less than Guideline LTV of 85% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% Qualifying DTI below max allowed. - Calculated DTI of 28.93% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 801 is greater than Guideline minimum FICO of 740. Borrower has stable job time - Borrower has 9.63 years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000127550 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 04/23/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/24/2026 | Original LTV is Below the Guideline Maximum - Calculated
LTV of 75% is less than Guideline LTV of 85% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% Qualifying DTI below max allowed. - Calculated DTI of 28.93% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 801 is greater than Guideline minimum FICO of 740. Borrower has stable job time - Borrower has 9.63 years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000127550 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 04/24/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/24/2026 | Original LTV is Below the Guideline Maximum - Calculated
LTV of 75% is less than Guideline LTV of 85% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% Qualifying DTI below max allowed. - Calculated DTI of 28.93% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 801 is greater than Guideline minimum FICO of 740. Borrower has stable job time - Borrower has 9.63 years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000120584 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to the increase of the Lender's Title Insurance Policy fee from XXX to XXX the increase of the closing fee from XXX to XXX and the addition of the endorsement fee of XXX on the CD dated XX/XX/XXXX without valid COC. | Document Uploaded. ; Please have the TPR firm give us an example how the COC should read when the title fees increase. XXXh included a COC with the CD that was sent on XX/XX/XXXX that showed the title fees increased. This is the way we have included title fee increases on our COC’s and have never received pushback. ; Document Uploaded. | 05/01/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; A COC cannot simply State fees changed, there has to be a valid reason for them to increase; To comply with the COC requirements and rebaseline fee amounts, TPRs will look to the COC documentation in file to include the components enumerated within the regulations as set forth in the preceding paragraph. The COC documentation, at a minimum, should include: XXX) The original estimate of the cost (can be documented through fee amounts disclosed on the initial LE); XXX) specific reason for the revision and how it impacted the specific fee(s) that increased; XXX) the revised amount (can be documented through fee amounts disclosed on the revised LE/CD but increase must correspond with actual change resulting from documented COC and only fees related to the specific COC are considered for rebaseline); and XXX) the date of the changed circumstance (i. the date the creditor received information sufficient to establish that one of the reasons for revision provided under § XXX(e)(XXX)(iv)(A) through (F) has occurred); The COC did not provide a valid reason for the Title fees to increase | 05/04/2026 | Original LTV is Below the Guideline Maximum - Calculated
LTV of 53.63% is less than Guideline LTV of 75% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 784 is greater than Guideline minimum FICO of 700. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.63% is less than Guideline CLTV of 75% |
C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 4000120584 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required- First e-signed document in the file is dated XX/XX/XXXX; however, the file is missing proof of e-consent dated XX/XX/XXXX or before. Provide disclosure tracking document to verify e-consent date and XXX. | Document Uploaded. | 04/14/2026 | Evidence of eConsent is provided. | 04/14/2026 | Original LTV is Below the Guideline Maximum - Calculated
LTV of 53.63% is less than Guideline LTV of 75% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 784 is greater than Guideline minimum FICO of 700. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.63% is less than Guideline CLTV of 75% |
C | B | B | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 4000120584 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 04/10/2026 | Original LTV is Below the Guideline Maximum - Calculated
LTV of 53.63% is less than Guideline LTV of 75% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 784 is greater than Guideline minimum FICO of 700. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.63% is less than Guideline CLTV of 75% |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 4000120584 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 04/10/2026 | Original LTV is Below the Guideline Maximum - Calculated
LTV of 53.63% is less than Guideline LTV of 75% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 784 is greater than Guideline minimum FICO of 700. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.63% is less than Guideline CLTV of 75% |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 4000120298 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/23/2026 | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX and signed at consummation. Per the disclosure tracking, the CD issued XX/XX/XXXX is missing from the loan file. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | Document Uploaded. | 04/17/2026 | Initial CD provided; exception resolved; Initial CD provided; exception resolved | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 54.09% is less than Guideline CLTV of 75% Original LTV is Below the Guideline Maximum - Calculated LTV of 54.09% is less than Guideline LTV of 75% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 745 is greater than Guideline minimum FICO of 700 |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000120298 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/23/2026 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | 04/17/2026 | Initial CD provided; exception resolved; Initial CD provided; exception resolved; TILA 130 required: a refund in the amount of XXX cure package: PCCD with LOE, copy of refund and proof of delivery or initial CD. The Broker fee increased on the CD issued XX/XX/XXXX, but due to the initial CD missing from the loan file, the increase in fee is not allowable. | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 54.09% is less than Guideline CLTV of 75% Original LTV is Below the Guideline Maximum - Calculated LTV of 54.09% is less than Guideline LTV of 75% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 745 is greater than Guideline minimum FICO of 700 |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000120298 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 03/25/2026 | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 54.09% is less than Guideline CLTV of 75% Original LTV is Below the Guideline Maximum - Calculated LTV of 54.09% is less than Guideline LTV of 75% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 745 is greater than Guideline minimum FICO of 700 |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000120298 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 03/25/2026 | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 54.09% is less than Guideline CLTV of 75% Original LTV is Below the Guideline Maximum - Calculated LTV of 54.09% is less than Guideline LTV of 75% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 745 is greater than Guideline minimum FICO of 700 |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000114927 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2026 | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase in recording fees from XXX to XXX with no valid COC in file. | Document Uploaded. | 03/18/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; ; | 03/19/2026 | Qualifying DTI below max allowed. - Calculated DTI of % is
less than Guideline DTI of 99% No DTI calc Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 803 is greater than Guideline minimum FICO of 700 |
D | B | C | B | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 4000114927 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2026 | Resolved | XXX | Credit | Audited FICO is less than Guideline FICO | Audited FICO of is less than Guideline FICO of XXX Unable to determine, credit report missing | Audited FICO of XXX is greater than or equal to Guideline FICO of XXX; | 03/13/2026 | Qualifying DTI below max allowed. - Calculated DTI of % is
less than Guideline DTI of 99% No DTI calc Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 803 is greater than Guideline minimum FICO of 700 |
D | B | C | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 4000114927 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2026 | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. The brokers credit report is missing | Document Uploaded. This should take care if all the credit conditions | 03/12/2026 | Borrower 1 Credit Report is not missing. | 03/13/2026 | Qualifying DTI below max allowed. - Calculated DTI of % is
less than Guideline DTI of 99% No DTI calc Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 803 is greater than Guideline minimum FICO of 700 |
D | B | D | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 4000114927 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2026 | Resolved | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements Unable to determine, credit report missing | Delinquent Credit History Meets Guideline Requirements; | 03/13/2026 | Qualifying DTI below max allowed. - Calculated DTI of % is
less than Guideline DTI of 99% No DTI calc Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 803 is greater than Guideline minimum FICO of 700 |
D | B | C | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 4000114927 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2026 | Resolved | XXX | Credit | Tradelines do not meet Guideline Requirements | The lender’s minimum tradeline requirements have not been met per guidelines. Unable to determine, credit report missing | Tradelines meet Guideline Requirements; | 03/13/2026 | Qualifying DTI below max allowed. - Calculated DTI of % is
less than Guideline DTI of 99% No DTI calc Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 803 is greater than Guideline minimum FICO of 700 |
D | B | C | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 4000114927 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 03/09/2026 | Qualifying DTI below max allowed. - Calculated DTI of % is
less than Guideline DTI of 99% No DTI calc Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 803 is greater than Guideline minimum FICO of 700 |
D | B | A | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 4000118590 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/19/2026 | Acknowledged | XXX | Credit | Payment shock exceeds guideline | Payment shock of XXX% exceeds the lender guidelines tolerance for payment shock. Guidelines require a maximum of XXX% payment shock. CRSE in the file cites this exception and approval is granted. | Lender exception provided supported by the following compensating factors: XXX credit score, DTI is XXX% total, residual income is XXX credit history is XXX. Exception downgraded to a level 2/B. | 07/01/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 767 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. - Calculated DTI of 34.45% is less than Guideline DTI of 50% Borrower has stable job time - Borrower has 3.19 years on job. |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 4000118590 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 03/23/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 767 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. - Calculated DTI of 34.45% is less than Guideline DTI of 50% Borrower has stable job time - Borrower has 3.19 years on job. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 4000118590 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/19/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 03/23/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 767 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. - Calculated DTI of 34.45% is less than Guideline DTI of 50% Borrower has stable job time - Borrower has 3.19 years on job. |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 4000119741 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | WA | ATR/QM: Exempt | Loan Review Complete | 04/01/2026 | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements The borrower has an unpaid collection that last report XX/XX/XXXX and was opened XX/XX/XXXX with XXX Debt Recovery The Lender has included payment into DTI, per guidelines no collections allowed in past two years for Bank Statement loans. | Document Uploaded. | 04/14/2026 | Lender exception for collection within XXX months approved by investor on XX/XX/XXXX. | 04/14/2026 | Borrower has stable job time - Borrower has 6.14 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 768 is greater than Guideline minimum FICO of 680 Qualifying DTI below max allowed. - Calculated DTI of 39.67% is less than Guideline DTI of 50% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.52% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 65.52% is less than Guideline LTV of 80% |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 4000119741 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | WA | ATR/QM: Exempt | Loan Review Complete | 04/01/2026 | Resolved | XXX | Credit | Purchase Contract is Expired | Please provide a signed XXX Contract Extension to XX/XX/XXXX. | Document Uploaded. | 04/14/2026 | Contract extension to XX/XX/XXXX received. Condition cleared. | 04/14/2026 | Borrower has stable job time - Borrower has 6.14 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 768 is greater than Guideline minimum FICO of 680 Qualifying DTI below max allowed. - Calculated DTI of 39.67% is less than Guideline DTI of 50% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.52% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 65.52% is less than Guideline LTV of 80% |
C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 4000119741 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | WA | ATR/QM: Exempt | Loan Review Complete | 03/31/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 04/02/2026 | Borrower has stable job time - Borrower has 6.14 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 768 is greater than Guideline minimum FICO of 680 Qualifying DTI below max allowed. - Calculated DTI of 39.67% is less than Guideline DTI of 50% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.52% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 65.52% is less than Guideline LTV of 80% |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 4000119882 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | GA | ATR/QM: Exempt | Loan Review Complete | 04/28/2026 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of P&I, hazard insurance and HOA payment for the primary residence. Please provide proof of the missing documents for review. | Document Uploaded. ; Document Uploaded. | 05/14/2026 | Documentation is sufficient. PITIA information provided. Exception resolved.; Thank you for providing the PITI for the Borrower's primary residence. Property report in file reflects the Borrower's residence has an HOA. Please provide documentation to verify the monthly HOA dues for XXX. Thank you. | 05/15/2026 | Borrower has stable job time - Borrower has 14.36 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 765 is greater than Guideline minimum FICO of 700. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000119882 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | GA | ATR/QM: Exempt | Loan Review Complete | 04/27/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 04/28/2026 | Borrower has stable job time - Borrower has 14.36 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 765 is greater than Guideline minimum FICO of 700. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000119882 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | GA | ATR/QM: Exempt | Loan Review Complete | 04/28/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 04/28/2026 | Borrower has stable job time - Borrower has 14.36 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 765 is greater than Guideline minimum FICO of 700. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000120941 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Please provide all credit reports for the file | Document Uploaded. | 04/28/2026 | Borrower 1 Credit Report is not missing. | 04/29/2026 | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 50% is less than Guideline CLTV of 75% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 785 is greater than Guideline minimum FICO of 700. Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 75% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000120941 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Rescinded | XXX | Property | HOA Questionnaire is Missing | HOA Questionnaire Missing. Please provide the Condo questionnaire for review. | Document Uploaded. | 04/28/2026 | FNMA CPM in file on page XXX approving the project. Condition rescinded. | 04/29/2026 | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 4000120941 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 04/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 50% is less than Guideline CLTV of 75% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 785 is greater than Guideline minimum FICO of 700. Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 75% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000122864 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/30/2026 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines XXX Worksheet does not show enough assets to meet the guidelines qualifications. | The matrix always trumps the guidelines.. (matrix is more current).; Document Uploaded. ; Document Uploaded. | 05/11/2026 | Per Lender, utilize Matrix vs. Guidelines. Okay to accept. Income and Employment Meet Guidelines. Condition cleared.; After reviewing the loan with management, there appears to be a discrepancy in requirements between the guidelines and the matrix. Guidelines indicate a minimum of XXX in post closing assets is required yet the matrix indicates the greater of either the minimum of asset qualifier calculation OR $XXX remaining is required. Please clarify if the guidelines or the matrix should be used. Thank you.; Using the qualifying assets as reflected on the worksheet provided of XXX the post close assets available would be XXX which is less than the minimum of XXX required per guidelines. | 05/12/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 756 is greater than Guideline minimum FICO of 720. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.45% is less than Guideline CLTV of 70% Original LTV is Below the Guideline Maximum - Calculated LTV of 35.45% is less than Guideline LTV of 70% |
C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000122864 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/30/2026 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required: First e-signed document in the file is dated XX/XX/XXXX; however, the file is missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 05/04/2026 | Evidence of eConsent is provided. | 05/04/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 756 is greater than Guideline minimum FICO of 720. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.45% is less than Guideline CLTV of 70% Original LTV is Below the Guideline Maximum - Calculated LTV of 35.45% is less than Guideline LTV of 70% |
C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000122864 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/30/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 04/30/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 756 is greater than Guideline minimum FICO of 720. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.45% is less than Guideline CLTV of 70% Original LTV is Below the Guideline Maximum - Calculated LTV of 35.45% is less than Guideline LTV of 70% |
C | A | A | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000126438 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/27/2026 | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements The Undisclosed Debt VerificationX report reflects a collection that was opened XX/XX/XXXX which is being paid off on the C. Per Lender Guidelines-No Collections/Charge offs/Judgments in the last XXX months. The borrower's Credit History does not meet the guideline requirement. | Document Uploaded. | 06/01/2026 | Lender exception for collection within XXX months approved by investor on XX/XX/XXXX. | 06/02/2026 | Original LTV is Below the Guideline Maximum - Calculated
LTV of 51.5% is less than Guideline LTV of 75% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 722 is greater than Guideline minimum FICO of 700. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.5% is less than Guideline CLTV of 75% |
C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 4000126438 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/26/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/27/2026 | Original LTV is Below the Guideline Maximum - Calculated
LTV of 51.5% is less than Guideline LTV of 75% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 722 is greater than Guideline minimum FICO of 700. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.5% is less than Guideline CLTV of 75% |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 4000126438 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/27/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/27/2026 | Original LTV is Below the Guideline Maximum - Calculated
LTV of 51.5% is less than Guideline LTV of 75% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 722 is greater than Guideline minimum FICO of 700. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.5% is less than Guideline CLTV of 75% |
C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 4000128529 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/21/2026 | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130B required: A refund in the amount of XXX cure package: PCCD with LOE, copy of refund and proof of delivery. The Title fees were added/increased on the CD issued XX/XX/XXXX without a valid reason. | Document Uploaded. | 06/11/2026 | Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. ; Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. | 06/12/2026 | Borrower has stable job time - Borrower has 16.86 years on
job. Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 80% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 737 is greater than Guideline minimum FICO of 700. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 80% Qualifying DTI below max allowed. - Calculated DTI of 39.58% is less than Guideline DTI of 50% |
C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 4000128529 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/19/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/22/2026 | Borrower has stable job time - Borrower has 16.86 years on
job. Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 80% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 737 is greater than Guideline minimum FICO of 700. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 80% Qualifying DTI below max allowed. - Calculated DTI of 39.58% is less than Guideline DTI of 50% |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 4000128529 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/19/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/22/2026 | Borrower has stable job time - Borrower has 16.86 years on
job. Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 80% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 737 is greater than Guideline minimum FICO of 700. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 80% Qualifying DTI below max allowed. - Calculated DTI of 39.58% is less than Guideline DTI of 50% |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 4000125618 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/19/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 05/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 809 is greater than Guideline minimum FICO of 700. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000125618 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/19/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 05/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 809 is greater than Guideline minimum FICO of 700. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000125618 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/22/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 05/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 809 is greater than Guideline minimum FICO of 700. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000128887 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/29/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 06/02/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 739 is greater than Guideline minimum FICO of 680. Qualifying DTI below max allowed. - Calculated DTI of 36.71% is less than Guideline DTI of 50% Borrower has stable job time - Borrower has 6.56 years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000128887 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/29/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 06/02/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 739 is greater than Guideline minimum FICO of 680. Qualifying DTI below max allowed. - Calculated DTI of 36.71% is less than Guideline DTI of 50% Borrower has stable job time - Borrower has 6.56 years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000128887 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/29/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 06/02/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 739 is greater than Guideline minimum FICO of 680. Qualifying DTI below max allowed. - Calculated DTI of 36.71% is less than Guideline DTI of 50% Borrower has stable job time - Borrower has 6.56 years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000126682 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NC | ATR/QM: Exempt | Loan Review Complete | 04/30/2026 | Rescinded | XXX | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% | Document Uploaded. This is not an exception we do not limit XXX% please share attached thank you | 05/05/2026 | ; Client sent in guides. Rescinded. Max contributions is XXX% | 05/06/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 4000126682 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NC | ATR/QM: Exempt | Loan Review Complete | 04/30/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Document Uploaded. ; Document Uploaded. | 05/04/2026 | Informational | 05/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 801 is greater than Guideline minimum FICO of 700. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000126682 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NC | ATR/QM: Exempt | Loan Review Complete | 04/30/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Document Uploaded. ; Please confirm what is needed on this one, thank you. | 05/04/2026 | Informational | 05/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 801 is greater than Guideline minimum FICO of 700. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000114137 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2026 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase of the loan discount points fee from XXX to XXX on the CD dated XX/XX/XXXX, the increase of the loan origination fee from XXX to XXX on the CD dated XX/XX/XXXX, the increase of the tax service fee from XXX to XXX on the CD dated XX/XX/XXXX, the increase of the underwriting fee from XXX to XXX on the CD dated XX/XX/XXXX, and the increase of the appraisal fee from XXX to XXX on the CD dated XX/XX/XXXX without valid COCs. | Document Uploaded. | 03/06/2026 | Valid COC with applicable LE provided; exception resolved; Valid COC with applicable LE provided; exception resolved; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | 03/09/2026 | Borrower has stable job time - Borrower has 22.15 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 789 is greater than Guideline minimum FICO of 700 |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000114137 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2026 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX business days prior to the consummation date is required but is missing from the file. | Document Uploaded. | 03/06/2026 | Evidence of appraisal delivery provided. | 03/09/2026 | Borrower has stable job time - Borrower has 22.15 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 789 is greater than Guideline minimum FICO of 700 |
C | A | B | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000114137 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/03/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 03/05/2026 | Borrower has stable job time - Borrower has 22.15 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 789 is greater than Guideline minimum FICO of 700 |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000114137 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 03/05/2026 | Borrower has stable job time - Borrower has 22.15 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 789 is greater than Guideline minimum FICO of 700 |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000104324 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/05/2025 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase of the discount points fee from XXX on the LE dated XX/XX/XXXX to XXX on the final CD dated XX/XX/XXXX without valid COC. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. ; Document Uploaded. | 12/15/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved; COC provided is for LE dated XX/XX/XXXX however the discount points increased on the final CD without a valid COC | 12/16/2025 | Borrower has stable job time - Borrower has 11.48 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 781 is greater than Guideline minimum FICO of 740 |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000104324 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/05/2025 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation Required- Missing eSigned documents consent. Intent to Proceed was electronically signed on XX/XX/XXXX. | Document Uploaded. | 12/11/2025 | Evidence of eConsent is provided.; E-consent received | 12/12/2025 | Borrower has stable job time - Borrower has 11.48 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 781 is greater than Guideline minimum FICO of 740 |
C | A | B | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000104324 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/09/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Cleared | 12/10/2025 | Borrower has stable job time - Borrower has 11.48 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 781 is greater than Guideline minimum FICO of 740 |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000104324 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/09/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Cleared | 12/10/2025 | Borrower has stable job time - Borrower has 11.48 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 781 is greater than Guideline minimum FICO of 740 |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000120753 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | ATR/QM: Exempt | Loan Review Complete | 05/04/2026 | Acknowledged | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Exception request: Accepting XXX acres on a rural property vs XXX acres maximum per guidelines. Compensating factors: FICO above min requirement by XXX points or higher, High discretionary income, DTI > XXX% below program requirement, XXX greater than the program requirement and VOM XXX. Approved. | Lender exception provided acreage supported by the following compensating factors: FICO above min requirement by XXX points or higher, High discretionary income, DTI > XXX% below program requirement, XXX greater than the program requirement and VOM XXX. Exception downgraded to a level 2/B. | 07/01/2026 | Borrower has stable job time - Borrower has 5.27 years on job. | D | B | B | B | D | A | B | B | A | A | D | D | B | A | D | D | B | A | D | D | B | A | D | D | B | A | D | D | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||
| 4000120753 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | ATR/QM: Exempt | Loan Review Complete | 05/04/2026 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing evidence of no HOA dues for property located on XXX. | Document Uploaded. | 05/08/2026 | Zestimate printout provided. No HOA. | 05/11/2026 | Borrower has stable job time - Borrower has 5.27 years on job. | D | B | D | A | D | A | B | B | A | A | D | D | B | A | D | D | B | A | D | D | B | A | D | D | B | A | D | D | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| 4000120753 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | ATR/QM: Exempt | Loan Review Complete | 05/04/2026 | Resolved | XXX | Credit | Title Document is Partially Present | Title Document is incomplete or only partially present. Missing full Title Report, as required by guidelines dated XX/XX/XXXX. In file is only Schedule A of the Title Report. | Document Uploaded. | 05/06/2026 | Documentation is sufficient. Title report provided. Exception resolved.; Title Document is fully Present. | 05/07/2026 | Borrower has stable job time - Borrower has 5.27 years on job. | D | B | D | A | D | A | B | B | A | A | D | D | B | A | D | D | B | A | D | D | B | A | D | D | B | A | D | D | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| 4000120753 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | ATR/QM: Exempt | Loan Review Complete | 05/04/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 05/04/2026 | Borrower has stable job time - Borrower has 5.27 years on job. | D | B | A | A | D | A | B | B | A | A | D | D | B | A | D | D | B | A | D | D | B | A | D | D | B | A | D | D | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||
| 4000120753 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | ATR/QM: Exempt | Loan Review Complete | 05/04/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/04/2026 | Borrower has stable job time - Borrower has 5.27 years on job. | D | B | A | A | D | A | B | B | A | A | D | D | B | A | D | D | B | A | D | D | B | A | D | D | B | A | D | D | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||
| 4000119158 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/27/2026 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 04/29/2026 | Evidence of eConsent is provided. | 04/29/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 763 is greater than Guideline minimum FICO of 700. Borrower has stable job time - Borrower has 2.77 years on job. |
B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000119158 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/27/2026 | Resolved | XXX | Compliance | MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test | This loan failed the XXX 209 CMR 32.35 higher-priced mortgage loan test. (XXX 209 CMR 32.35 sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations hile the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | 04/27/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 763 is greater than Guideline minimum FICO of 700. Borrower has stable job time - Borrower has 2.77 years on job. |
B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000119158 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/27/2026 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | 04/27/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 763 is greater than Guideline minimum FICO of 700. Borrower has stable job time - Borrower has 2.77 years on job. |
B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000119158 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/27/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/27/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 763 is greater than Guideline minimum FICO of 700. Borrower has stable job time - Borrower has 2.77 years on job. |
B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000119158 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/27/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/27/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 763 is greater than Guideline minimum FICO of 700. Borrower has stable job time - Borrower has 2.77 years on job. |
B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000124418 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 04/14/2026 | E consent provided, exception resolved; Evidence of eConsent is provided. | 04/14/2026 | Borrower has stable job time - Borrower has 5.18 years on job. | D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000124418 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | XXX | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing. | Document Uploaded. | 04/14/2026 | Borrower 1 Gap Credit Report is not missing.; Report provided | 04/14/2026 | Borrower has stable job time - Borrower has 5.18 years on job. | D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000124418 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/09/2026 | Borrower has stable job time - Borrower has 5.18 years on job. | D | A | A | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000118561 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | OH | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/15/2026 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the mortgage broker fee. The change occurred on CD issued XX/XX/XXXX without a valid COC. Although a COC was issued XX/XX/XXXX, a valid reason for the addition of the mortgage broker fee was not found. | Document Uploaded. ; Document Uploaded. | 05/21/2026 | valid COC and revised LE provided, exception resolved; valid COC and revised LE provided, exception resolved; The file did not contain an LE or CD within XXX days of the COC provided | 05/22/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 807 is greater than Guideline minimum FICO of 720. Qualifying DTI below max allowed. - Calculated DTI of 25.2% is less than Guideline DTI of 50% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.83% is less than Guideline CLTV of 90% Borrower has stable job time - Borrower has 8.91 years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of 79.83% is less than Guideline LTV of 90% |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000118561 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | OH | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/14/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/15/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 807 is greater than Guideline minimum FICO of 720. Qualifying DTI below max allowed. - Calculated DTI of 25.2% is less than Guideline DTI of 50% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.83% is less than Guideline CLTV of 90% Borrower has stable job time - Borrower has 8.91 years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of 79.83% is less than Guideline LTV of 90% |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000118561 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | OH | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/14/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/15/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 807 is greater than Guideline minimum FICO of 720. Qualifying DTI below max allowed. - Calculated DTI of 25.2% is less than Guideline DTI of 50% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.83% is less than Guideline CLTV of 90% Borrower has stable job time - Borrower has 8.91 years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of 79.83% is less than Guideline LTV of 90% |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000120752 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/06/2026 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required- First e-signed document in the file is dated XX/XX/XXXX; however, file is missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 04/09/2026 | Evidence of eConsent is provided. | 04/09/2026 | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 75% is less than Guideline CLTV of 90% Borrower has stable job time - Borrower has 3.91 years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% |
B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000120752 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/02/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/06/2026 | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 75% is less than Guideline CLTV of 90% Borrower has stable job time - Borrower has 3.91 years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% |
B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000120752 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/02/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/06/2026 | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 75% is less than Guideline CLTV of 90% Borrower has stable job time - Borrower has 3.91 years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% |
B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000126684 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | WA | ATR/QM: Exempt | Loan Review Complete | 04/24/2026 | Resolved | XXX | Credit | The Note is Incomplete | The Note is Incomplete The final CD shows a XXX and the file is missing a prepayment note addendum and the note indicates no XXX. | Prepay cost is over disclosed and not an issue, please review and clear loan for XXX, thank you.; Document Uploaded. ; Document Uploaded. | 05/11/2026 | The Note is Present; Addendum provided. ; The pre-payment penalty calculation using the method from the Note Addendum would be XXX while the CD shows it could be $XXX. Need a corrected Addendum of a corrected CD. Exception remains.; ; Client provided Note reflecting no XXX. Final CD in original file reflects XXX. These documents do not match. Please provide note with XXX or CD with no XXX. | 05/12/2026 | Qualifying DTI below max allowed. - Calculated DTI of
34.57% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 765 is greater than Guideline minimum FICO of 700. Borrower has stable job time - Borrower has 5.6 years on job. |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000126684 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | WA | ATR/QM: Exempt | Loan Review Complete | 04/24/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/24/2026 | Qualifying DTI below max allowed. - Calculated DTI of
34.57% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 765 is greater than Guideline minimum FICO of 700. Borrower has stable job time - Borrower has 5.6 years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000126684 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | WA | ATR/QM: Exempt | Loan Review Complete | 04/24/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/24/2026 | Qualifying DTI below max allowed. - Calculated DTI of
34.57% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 765 is greater than Guideline minimum FICO of 700. Borrower has stable job time - Borrower has 5.6 years on job. |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000126675 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/07/2026 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 05/12/2026 | Evidence of eConsent is provided. | 05/13/2026 | Borrower has stable job time - Borrower has 6.11 years on
job. Qualifying DTI below max allowed. - Calculated DTI of 38.96% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 789 is greater than Guideline minimum FICO of 760. |
B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000126675 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/06/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/08/2026 | Borrower has stable job time - Borrower has 6.11 years on
job. Qualifying DTI below max allowed. - Calculated DTI of 38.96% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 789 is greater than Guideline minimum FICO of 760. |
B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000126675 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/06/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/08/2026 | Borrower has stable job time - Borrower has 6.11 years on
job. Qualifying DTI below max allowed. - Calculated DTI of 38.96% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 789 is greater than Guideline minimum FICO of 760. |
B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000126680 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/27/2026 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 04/29/2026 | Evidence of eConsent is provided. | 04/29/2026 | Original LTV is Below the Guideline Maximum - Calculated
LTV of 32.69% is less than Guideline LTV of 90% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.69% is less than Guideline CLTV of 90% Qualifying DTI below max allowed. - Calculated DTI of 23.25% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 799 is greater than Guideline minimum FICO of 720. Borrower has stable job time - Borrower has 11.13 years on job. |
B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000126680 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/27/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/27/2026 | Original LTV is Below the Guideline Maximum - Calculated
LTV of 32.69% is less than Guideline LTV of 90% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.69% is less than Guideline CLTV of 90% Qualifying DTI below max allowed. - Calculated DTI of 23.25% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 799 is greater than Guideline minimum FICO of 720. Borrower has stable job time - Borrower has 11.13 years on job. |
B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000126680 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/27/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/27/2026 | Original LTV is Below the Guideline Maximum - Calculated
LTV of 32.69% is less than Guideline LTV of 90% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.69% is less than Guideline CLTV of 90% Qualifying DTI below max allowed. - Calculated DTI of 23.25% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 799 is greater than Guideline minimum FICO of 720. Borrower has stable job time - Borrower has 11.13 years on job. |
B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000124897 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated
LTV of 62.5% is less than Guideline LTV of 80% Qualifying DTI below max allowed. - Calculated DTI of 33.6% is less than Guideline DTI of 50% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.5% is less than Guideline CLTV of 80% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 757 is greater than Guideline minimum FICO of 700. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000124897 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated
LTV of 62.5% is less than Guideline LTV of 80% Qualifying DTI below max allowed. - Calculated DTI of 33.6% is less than Guideline DTI of 50% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.5% is less than Guideline CLTV of 80% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 757 is greater than Guideline minimum FICO of 700. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000124897 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/22/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/22/2026 | Original LTV is Below the Guideline Maximum - Calculated
LTV of 62.5% is less than Guideline LTV of 80% Qualifying DTI below max allowed. - Calculated DTI of 33.6% is less than Guideline DTI of 50% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.5% is less than Guideline CLTV of 80% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 757 is greater than Guideline minimum FICO of 700. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000129714 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | ATR/QM: Exempt | Loan Review Complete | 05/06/2026 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Ownership & Expense Factor: CPA letter and business narrative form is missing. Unable to find the ownership & expense factor information. | Document Uploaded. | 05/08/2026 | Income and Employment Meet Guidelines; Client provided State evidence as well as legal evidence of business and ownership | 05/11/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 778 is greater than Guideline minimum FICO of 760. Borrower has stable job time - Borrower has 7.12 years on job. Qualifying DTI below max allowed. - Calculated DTI of 35.4% is less than Guideline DTI of 50% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000129714 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | ATR/QM: Exempt | Loan Review Complete | 05/06/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/07/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 778 is greater than Guideline minimum FICO of 760. Borrower has stable job time - Borrower has 7.12 years on job. Qualifying DTI below max allowed. - Calculated DTI of 35.4% is less than Guideline DTI of 50% |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000129714 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | ATR/QM: Exempt | Loan Review Complete | 05/06/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 05/07/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 778 is greater than Guideline minimum FICO of 760. Borrower has stable job time - Borrower has 7.12 years on job. Qualifying DTI below max allowed. - Calculated DTI of 35.4% is less than Guideline DTI of 50% |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000128177 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/06/2026 | Resolved | XXX | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed; therefore, the disclosure was not received by the consumer XXX business days prior to the consummation date of XX/XX/XXXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation. This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. | Document Uploaded. re uploaded; Document Uploaded. | 05/13/2026 | LE receipt date provided - exception resolved; LE receipt date provided - exception resolved; Receiving an error when trying to open attached document, please resend. | 05/13/2026 | Qualifying DTI below max allowed. - Calculated DTI of
9.46% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 786 is greater than Guideline minimum FICO of 740. Borrower has stable job time - Borrower has 8.64 years on job. |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000128177 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/06/2026 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required: First e-signed document in the file is dated XX/XX/XXXX; however, the file is missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 05/12/2026 | Evidence of eConsent is provided. | 05/13/2026 | Qualifying DTI below max allowed. - Calculated DTI of
9.46% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 786 is greater than Guideline minimum FICO of 740. Borrower has stable job time - Borrower has 8.64 years on job. |
C | A | B | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000128177 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/06/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/07/2026 | Qualifying DTI below max allowed. - Calculated DTI of
9.46% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 786 is greater than Guideline minimum FICO of 740. Borrower has stable job time - Borrower has 8.64 years on job. |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000128177 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/06/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/07/2026 | Qualifying DTI below max allowed. - Calculated DTI of
9.46% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 786 is greater than Guideline minimum FICO of 740. Borrower has stable job time - Borrower has 8.64 years on job. |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000126678 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/30/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/04/2026 | Borrower has stable job time - Borrower has 13.33 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 766 is greater than Guideline minimum FICO of 720. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000126678 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/30/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/04/2026 | Borrower has stable job time - Borrower has 13.33 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 766 is greater than Guideline minimum FICO of 720. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000126678 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/01/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 05/04/2026 | Borrower has stable job time - Borrower has 13.33 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 766 is greater than Guideline minimum FICO of 720. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000129736 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/29/2026 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Document Uploaded. | 06/01/2026 | Evidence of eConsent is provided. | 06/02/2026 | Qualifying DTI below max allowed. - Calculated DTI of
29.08% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 770 is greater than Guideline minimum FICO of 700. |
B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000129736 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/28/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/29/2026 | Qualifying DTI below max allowed. - Calculated DTI of
29.08% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 770 is greater than Guideline minimum FICO of 700. |
B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000129736 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/28/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/29/2026 | Qualifying DTI below max allowed. - Calculated DTI of
29.08% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 770 is greater than Guideline minimum FICO of 700. |
B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000129711 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/21/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/22/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 792 is greater than Guideline minimum FICO of 740. Qualifying DTI below max allowed. - Calculated DTI of 39.83% is less than Guideline DTI of 50% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000129711 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/21/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/22/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 792 is greater than Guideline minimum FICO of 740. Qualifying DTI below max allowed. - Calculated DTI of 39.83% is less than Guideline DTI of 50% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000129711 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/22/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 05/22/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 792 is greater than Guideline minimum FICO of 740. Qualifying DTI below max allowed. - Calculated DTI of 39.83% is less than Guideline DTI of 50% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000129733 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/21/2026 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 05/26/2026 | Evidence of eConsent is provided. | 05/27/2026 | Borrower has stable job time - Borrower has 2.37 years on job. | B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000129733 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/21/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/22/2026 | Borrower has stable job time - Borrower has 2.37 years on job. | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000129733 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/21/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/22/2026 | Borrower has stable job time - Borrower has 2.37 years on job. | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000088279 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/20/2025 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | 08/25/2025 | Affiliated attestation provided; Exception resolved | 08/25/2025 | Borrower has stable job time - Borrower has 3.34 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 763 is greater than Guideline minimum FICO of 680 Qualifying DTI below max allowed. - Calculated DTI of 38.52% is less than Guideline DTI of 50% |
B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000088279 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/20/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrows and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant | 08/21/2025 | Borrower has stable job time - Borrower has 3.34 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 763 is greater than Guideline minimum FICO of 680 Qualifying DTI below max allowed. - Calculated DTI of 38.52% is less than Guideline DTI of 50% |
B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000088279 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/20/2025 | Resolved | XXX | Compliance | CT Nonprime Home Loan Test | HPML with established escrows and met appraisal requirements, therefore, downgraded to grade A. This loan failed the XXX nonprime home loan test he loan is a nonprime home loan, as defined in the legislation. For more information please see the XXX Nonprime Home Loan Article section of the full ComplianceAnalyzer report hile the XXX Nonprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. | HPML compliant | 08/21/2025 | Borrower has stable job time - Borrower has 3.34 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 763 is greater than Guideline minimum FICO of 680 Qualifying DTI below max allowed. - Calculated DTI of 38.52% is less than Guideline DTI of 50% |
B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000088279 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/20/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Cleared | 08/21/2025 | Borrower has stable job time - Borrower has 3.34 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 763 is greater than Guideline minimum FICO of 680 Qualifying DTI below max allowed. - Calculated DTI of 38.52% is less than Guideline DTI of 50% |
B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000088279 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/20/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Cleared | 08/21/2025 | Borrower has stable job time - Borrower has 3.34 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 763 is greater than Guideline minimum FICO of 680 Qualifying DTI below max allowed. - Calculated DTI of 38.52% is less than Guideline DTI of 50% |
B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000101339 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/05/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Cleared | 12/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of
13.08% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 757 is greater than Guideline minimum FICO of 740 Borrower has stable job time - Borrower has 9.07 years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000101339 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/09/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Cleared | 12/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of
13.08% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 757 is greater than Guideline minimum FICO of 740 Borrower has stable job time - Borrower has 9.07 years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000101339 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/09/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Cleared | 12/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of
13.08% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 757 is greater than Guideline minimum FICO of 740 Borrower has stable job time - Borrower has 9.07 years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000104327 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/10/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. An Appraisal Review Product is required on all loans with a FNMA SSR over XXX. A Third-Party Valuation product must be provided to meet guidelines due to the FNMA Collateral Underwriter Risk score for the subject property is XXX. | Document Uploaded. | 12/17/2025 | Third party valuation product provided within tolerance. | 12/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of
8.46% is less than Guideline DTI of 50% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.61% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 60.61% is less than Guideline LTV of 80% Borrower has stable job time - Borrower has 5.41 years on job. |
C | A | C | A | A | A | C | A | B | A | C | A | C | B | C | A | C | B | C | A | C | B | C | A | C | B | C | A | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000104327 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/11/2025 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of XXX XX/XX/XXXX or provide confirmation the lender has no affiliates. | Document Uploaded. | 12/15/2025 | Required Affiliated Business Disclosure Documentation Provided | 12/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of
8.46% is less than Guideline DTI of 50% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.61% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 60.61% is less than Guideline LTV of 80% Borrower has stable job time - Borrower has 5.41 years on job. |
C | A | B | A | A | A | C | A | B | A | C | A | C | B | C | A | C | B | C | A | C | B | C | A | C | B | C | A | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000104327 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/18/2025 | Rescinded | XXX | Credit | Audited LTV Exceeds Guideline LTV | Initially file was missing TPV based on appraisal dated XX/XX/XXXX for XXX Client provided an additional appraisal as a trailing doc dated XX/XX/XXXX (same date as closing) which has less value XXX than initial appraisal causing CLTV to exceed XXX% Loan approved at XXX% however should be reassessed based on correct value. | Verified allowable LTV is 80%, condition not required, rescinded. | 12/19/2025 | C | A | A | A | A | A | C | A | B | A | C | A | C | B | C | A | C | B | C | A | C | B | C | A | C | B | C | A | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 4000104327 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/10/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Cleared | 12/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of
8.46% is less than Guideline DTI of 50% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.61% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 60.61% is less than Guideline LTV of 80% Borrower has stable job time - Borrower has 5.41 years on job. |
C | A | A | A | A | A | C | A | B | A | C | A | C | B | C | A | C | B | C | A | C | B | C | A | C | B | C | A | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000106311 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/12/2026 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Document Uploaded. | 02/18/2026 | Evidence of appraisal delivery provided. | 02/19/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 812 is greater than Guideline minimum FICO of 740 Qualifying DTI below max allowed. - Calculated DTI of 39.41% is less than Guideline DTI of 50% Borrower has stable job time - Borrower has 4.78 years on job. |
B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000106311 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/12/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 02/13/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 812 is greater than Guideline minimum FICO of 740 Qualifying DTI below max allowed. - Calculated DTI of 39.41% is less than Guideline DTI of 50% Borrower has stable job time - Borrower has 4.78 years on job. |
B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000106311 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/12/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 02/13/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 812 is greater than Guideline minimum FICO of 740 Qualifying DTI below max allowed. - Calculated DTI of 39.41% is less than Guideline DTI of 50% Borrower has stable job time - Borrower has 4.78 years on job. |
B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000108048 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/16/2026 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Document Uploaded. | 02/20/2026 | Required Affiliated Business Disclosure Documentation Provided | 02/23/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 686 is greater than Guideline minimum FICO of 660 Borrower has stable job time - Borrower has 6.03 years on job. |
B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000108048 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/16/2026 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. | HPML compliant | 02/17/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 686 is greater than Guideline minimum FICO of 660 Borrower has stable job time - Borrower has 6.03 years on job. |
B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000108048 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/16/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 02/17/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 686 is greater than Guideline minimum FICO of 660 Borrower has stable job time - Borrower has 6.03 years on job. |
B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000108048 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/16/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 02/17/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 686 is greater than Guideline minimum FICO of 660 Borrower has stable job time - Borrower has 6.03 years on job. |
B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000116603 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/03/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 03/05/2026 | Original LTV is Below the Guideline Maximum - Calculated
LTV of 58.62% is less than Guideline LTV of 70% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.62% is less than Guideline CLTV of 70% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000116603 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/03/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 03/05/2026 | Original LTV is Below the Guideline Maximum - Calculated
LTV of 58.62% is less than Guideline LTV of 70% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.62% is less than Guideline CLTV of 70% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000116603 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/03/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 03/05/2026 | Original LTV is Below the Guideline Maximum - Calculated
LTV of 58.62% is less than Guideline LTV of 70% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.62% is less than Guideline CLTV of 70% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000113958 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2026 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Unable to locate tax verification for XXX. in file. | Hello they don't have the deed. The maps should be sufficient to show they are the same parcel.; Document Uploaded. ; Document Uploaded. ; Document Uploaded. | 03/12/2026 | Additional information received. Condition resolved.; Counter - Email chain reflects an attachment. Please upload attachment. Last reply on email, "XXX XXX taxes are combined with XXX - see deeds"; Client provided Tax information for XXX. However, Still need tax verification for XXX. | 03/12/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 779 is greater than Guideline minimum FICO of 700 Borrower has stable job time - Borrower has 27.15 years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of 12.59% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 12.59% is less than Guideline CLTV of 80% |
D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000113958 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2026 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Document Uploaded. | 03/09/2026 | Required Affiliated Business Disclosure Documentation Provided | 03/10/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 779 is greater than Guideline minimum FICO of 700 Borrower has stable job time - Borrower has 27.15 years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of 12.59% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 12.59% is less than Guideline CLTV of 80% |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000113958 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2026 | Resolved | XXX | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Unable to locate lender approval or XXX in file. | Document Uploaded. | 03/09/2026 | Approval/Underwriting Summary is fully present; XXX provided. | 03/10/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 779 is greater than Guideline minimum FICO of 700 Borrower has stable job time - Borrower has 27.15 years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of 12.59% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 12.59% is less than Guideline CLTV of 80% |
D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000113958 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 03/05/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 779 is greater than Guideline minimum FICO of 700 Borrower has stable job time - Borrower has 27.15 years on job. Original LTV is Below the Guideline Maximum - Calculated LTV of 12.59% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 12.59% is less than Guideline CLTV of 80% |
D | A | A | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000117962 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2026 | Resolved | XXX | Credit | Income 1 Months Income Verified is Missing | Income 1 Months Income Verified is Missing XXX months business bank Statements are missing from the loan file | Document Uploaded. | 04/07/2026 | Income 1 Months Income Verified is Present Or XXX; Statements provided | 04/07/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 802 is greater than Guideline minimum FICO of 740. Borrower has stable job time - Borrower has 9.05 years on job. Qualifying DTI below max allowed. - Calculated DTI of 14.98% is less than Guideline DTI of 50% |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000117962 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/02/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 802 is greater than Guideline minimum FICO of 740. Borrower has stable job time - Borrower has 9.05 years on job. Qualifying DTI below max allowed. - Calculated DTI of 14.98% is less than Guideline DTI of 50% |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000118570 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the addition of the compliance inspection fee of XXX and rate lock extension fee. The COC provided for the compliance inspection fee did not provide sufficient detail as to why a compliance inspection was required. The appraisal was made subject to on XX/XX/XXXX. The most recent rate lock confirmation was dated XX/XX/XXXX showing the rate lock extending he fee should have been disclosed with the XX/XX/XXXX CD and the rate lock extension should have been disclosed at the time of discover or XX/XX/XXXX. | Document Uploaded. ; Document Uploaded. | 04/14/2026 | Valid COC provided; exception resolved ; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; COC provided did not list the reason for the compliance fee to be added, please provide clarification; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | 04/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 60% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80% Borrower has stable job time - Borrower has 19.24 years on job. |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000118570 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. Missing letter of explanation from secondary account XXX on XXX Account #XXX that Borrower has access to funds, as required by guidelines dated XX/XX/XXXX. | Document Uploaded. | 04/09/2026 | Asset Qualification Meets Guideline Requirements.; Access letter provided | 04/10/2026 | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 60% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80% Borrower has stable job time - Borrower has 19.24 years on job. |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000118570 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Document Uploaded. | 04/09/2026 | Required Affiliated Business Disclosure Documentation Provided. | 04/09/2026 | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 60% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80% Borrower has stable job time - Borrower has 19.24 years on job. |
C | A | B | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000118570 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/07/2026 | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 60% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80% Borrower has stable job time - Borrower has 19.24 years on job. |
C | A | A | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000118563 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2026 | Resolved | XXX | Credit | The Final 1003 is Missing | The Final 1003 is Missing | Document Uploaded. | 04/23/2026 | The Final 1003 is Present; 1003 dated XX/XX/XXXX provided | 04/24/2026 | Borrower has stable job time - Borrower has 7.05 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 797 is greater than Guideline minimum FICO of 660 |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000118563 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 03/30/2026 | Borrower has stable job time - Borrower has 7.05 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 797 is greater than Guideline minimum FICO of 660 |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000118563 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/27/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 03/30/2026 | Borrower has stable job time - Borrower has 7.05 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 797 is greater than Guideline minimum FICO of 660 |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000118564 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/02/2026 | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX on the final CD XX/XX/XXXX. (Condition is tied to the missing ICD) | Document Uploaded. ; Document Uploaded. | 04/22/2026 | Valid COC provided with applicable CD; exception resolved; Valid COC provided with applicable CD; exception resolved; file did not contain a valid COC for the decrease in lender credits | 04/24/2026 | Borrower has stable job time - Borrower has 3.49 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 741 is greater than Guideline minimum FICO of 660. Qualifying DTI below max allowed. - Calculated DTI of 32.79% is less than Guideline DTI of 50% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.97% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 59.97% is less than Guideline LTV of 80% |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000118564 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/02/2026 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the loan discount points on the Final CD XX/XX/XXXX. (Condition is tied to the missing ICD) | Document Uploaded. ; Document Uploaded. | 04/22/2026 | Valid COC provided with applicable CD; exception resolved; Valid COC provided with applicable CD; exception resolved; file did not contain a valid COC for the increase | 04/24/2026 | Borrower has stable job time - Borrower has 3.49 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 741 is greater than Guideline minimum FICO of 660. Qualifying DTI below max allowed. - Calculated DTI of 32.79% is less than Guideline DTI of 50% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.97% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 59.97% is less than Guideline LTV of 80% |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000118564 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/02/2026 | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. | Document Uploaded. | 04/20/2026 | Initial CD provided; exception resolved; Initial CD provided; exception resolved | 04/22/2026 | Borrower has stable job time - Borrower has 3.49 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 741 is greater than Guideline minimum FICO of 660. Qualifying DTI below max allowed. - Calculated DTI of 32.79% is less than Guideline DTI of 50% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.97% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 59.97% is less than Guideline LTV of 80% |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000118564 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/02/2026 | Borrower has stable job time - Borrower has 3.49 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 741 is greater than Guideline minimum FICO of 660. Qualifying DTI below max allowed. - Calculated DTI of 32.79% is less than Guideline DTI of 50% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.97% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 59.97% is less than Guideline LTV of 80% |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000118564 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 04/02/2026 | Borrower has stable job time - Borrower has 3.49 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 741 is greater than Guideline minimum FICO of 660. Qualifying DTI below max allowed. - Calculated DTI of 32.79% is less than Guideline DTI of 50% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.97% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 59.97% is less than Guideline LTV of 80% |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000119182 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/10/2026 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines FDAQ program requires electronic employment confirmation or documented with a written signed letter from the borrowers describing employment OR Source of Wealth via a written explanation that reasonably explains the source of wealth must be documented in the file for BOTH borrowers. | Document Uploaded. | 03/18/2026 | Income and Employment Meet Guidelines; VVOE provided | 03/19/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 767 is greater than Guideline minimum FICO of 700 Borrower has stable job time - Borrower has 3.07 years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000119182 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/09/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 03/10/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 767 is greater than Guideline minimum FICO of 700 Borrower has stable job time - Borrower has 3.07 years on job. |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000119182 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/10/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 03/10/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 767 is greater than Guideline minimum FICO of 700 Borrower has stable job time - Borrower has 3.07 years on job. |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000120751 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/04/2026 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. | Informational | 05/05/2026 | Borrower has stable job time - Borrower has 2.19 years on
job. Qualifying DTI below max allowed. - Calculated DTI of 25.82% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 715 is greater than Guideline minimum FICO of 700. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000120751 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/05/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/05/2026 | Borrower has stable job time - Borrower has 2.19 years on
job. Qualifying DTI below max allowed. - Calculated DTI of 25.82% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 715 is greater than Guideline minimum FICO of 700. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000120751 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/05/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/05/2026 | Borrower has stable job time - Borrower has 2.19 years on
job. Qualifying DTI below max allowed. - Calculated DTI of 25.82% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 715 is greater than Guideline minimum FICO of 700. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000124898 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 778 is greater than Guideline minimum FICO of 700. Original LTV is Below the Guideline Maximum - Calculated LTV of 43.75% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.75% is less than Guideline CLTV of 80% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000124417 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/05/2026 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 05/07/2026 | Evidence of eConsent is provided. | 05/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 790 is greater than Guideline minimum FICO of 760. | B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000124417 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/04/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 790 is greater than Guideline minimum FICO of 760. | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000124417 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/05/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 790 is greater than Guideline minimum FICO of 760. | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000128368 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/01/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 06/01/2026 | Borrower has stable job time - Borrower has 5.39 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 711 is greater than Guideline minimum FICO of 660. Qualifying DTI below max allowed. - Calculated DTI of 29.41% is less than Guideline DTI of 50% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000128368 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/01/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 06/01/2026 | Borrower has stable job time - Borrower has 5.39 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 711 is greater than Guideline minimum FICO of 660. Qualifying DTI below max allowed. - Calculated DTI of 29.41% is less than Guideline DTI of 50% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000128368 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/01/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 06/01/2026 | Borrower has stable job time - Borrower has 5.39 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 711 is greater than Guideline minimum FICO of 660. Qualifying DTI below max allowed. - Calculated DTI of 29.41% is less than Guideline DTI of 50% |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000127554 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/19/2026 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant | 05/19/2026 | Original LTV is Below the Guideline Maximum - Calculated
LTV of 80% is less than Guideline LTV of 90% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% Qualifying DTI below max allowed. - Calculated DTI of 44.75% is less than Guideline DTI of 55% Borrower has stable job time - Borrower has 4.04 years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000127554 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/18/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 05/19/2026 | Original LTV is Below the Guideline Maximum - Calculated
LTV of 80% is less than Guideline LTV of 90% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% Qualifying DTI below max allowed. - Calculated DTI of 44.75% is less than Guideline DTI of 55% Borrower has stable job time - Borrower has 4.04 years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000127554 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/18/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 05/19/2026 | Original LTV is Below the Guideline Maximum - Calculated
LTV of 80% is less than Guideline LTV of 90% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% Qualifying DTI below max allowed. - Calculated DTI of 44.75% is less than Guideline DTI of 55% Borrower has stable job time - Borrower has 4.04 years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000128704 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/08/2026 | Cured | XXX | Compliance | TILA Finance Charge Test | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. The fees included in the finance charge calculation include: Points - Loan Discount Fee paid by Borrower: XXX Mortgage Broker Fee paid by Borrower: XXX Underwriting Fee paid by Borrower: XXX Flood Certification - Initial Fee paid by Borrower: XXX MERS Registration Fee paid by Borrower: XXX Tax Service Fee paid by Borrower: XXX Settlement or Closing Fee paid by Borrower: XXX HOA Processing fee paid by Borrower: XXX Courier / Messenger Fee paid by Borrower: XXX Courier / Messenger Fee paid by Borrower: XXX Title Wire [Wire Transfer Fee] paid by Borrower: XXX Title Wire [Wire Transfer Fee] paid by Borrower: XXX Tie-in Fee paid by Borrower: XXX Recording Service Fee paid by Borrower: XXX Sub-Escrow Fee paid by Borrower: XXX and Prepaid Interest paid by Borrower: $XXX. According to the lender's Mavent file, the Escrow fee of XXX was excluded. | Document Uploaded. ; Document Uploaded. | 05/27/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; PCCD provided did not resolve the exception, the finance charges at consummation were under disclosed and require a cure package. It appears, based on the mavent in file, the lender excluded the escrow fee | 05/28/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 718 is greater than Guideline minimum FICO of 700. Borrower has stable job time - Borrower has 7.34 years on job. |
D | B | C | B | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 4000128704 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/08/2026 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | HOA Statement or equivalent documentation is missing for property located at: XXX. | Document Uploaded. | 05/18/2026 | Explanation from post closing XXX that, "It is a XXX home. There is no HOA. " | 05/19/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 718 is greater than Guideline minimum FICO of 700. Borrower has stable job time - Borrower has 7.34 years on job. |
D | B | D | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 4000128704 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/08/2026 | Resolved | XXX | Credit | Asset General | Gift Funds of XXX were received XX/XX/XXXX, and XXX & XXX on XX/XX/XXXX. However, per the Final CD, the loan was disbursed on on XX/XX/XXXX. Please provide updated CD accordingly. | Document Uploaded. | 05/18/2026 | PCCD disbursement dated XX/XX/XXXX - Clears condition | 05/19/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 718 is greater than Guideline minimum FICO of 700. Borrower has stable job time - Borrower has 7.34 years on job. |
D | B | C | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 4000128704 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/08/2026 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Loan was locked as a XXX mos business P&L product doc type, however lender provided XXX mos business P&L income documentation, so calculated the income using what was provided. Please clarify and/or correct accordingly. | Document Uploaded. | 05/12/2026 | Documentation is sufficient. Updated approval/lock provided. Exception resolved.; Income and Employment Meet Guidelines | 05/13/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 718 is greater than Guideline minimum FICO of 700. Borrower has stable job time - Borrower has 7.34 years on job. |
D | B | C | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 4000129715 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/27/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/27/2026 | Original LTV is Below the Guideline Maximum - Calculated
LTV of 70% is less than Guideline LTV of 90% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 90% Borrower has stable job time - Borrower has 11.89 years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000129715 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/27/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/27/2026 | Original LTV is Below the Guideline Maximum - Calculated
LTV of 70% is less than Guideline LTV of 90% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 90% Borrower has stable job time - Borrower has 11.89 years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000129715 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/27/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 05/27/2026 | Original LTV is Below the Guideline Maximum - Calculated
LTV of 70% is less than Guideline LTV of 90% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 90% Borrower has stable job time - Borrower has 11.89 years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000111390 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2026 | Resolved | XXX | Compliance | NY Subprime Home Loan Test | Subprime legend on the face of the mortgage and XXX Counseling list on page XXX This loan failed the XXX Subprime Home Loan Test. (XXX SB XXX Section XXX(c) sing the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation hile the XXX Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. | Informational | 03/10/2026 | Qualifying DTI below max allowed. - Calculated DTI of
30.01% is less than Guideline DTI of 50% Borrower has stable job time - Borrower has 2.35 years on job. |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000111390 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2026 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX on the XX/XX/XXXX CD to XXX on the final CD dated XX/XX/XXXX for the loan discount fee. | Document Uploaded. | 03/09/2026 | Valid COC with applicable CD provided; exception resolved; Valid COC with applicable CD provided; exception resolved | 03/10/2026 | Qualifying DTI below max allowed. - Calculated DTI of
30.01% is less than Guideline DTI of 50% Borrower has stable job time - Borrower has 2.35 years on job. |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000111390 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2026 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrows and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant | 03/10/2026 | Qualifying DTI below max allowed. - Calculated DTI of
30.01% is less than Guideline DTI of 50% Borrower has stable job time - Borrower has 2.35 years on job. |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000111390 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 03/04/2026 | Qualifying DTI below max allowed. - Calculated DTI of
30.01% is less than Guideline DTI of 50% Borrower has stable job time - Borrower has 2.35 years on job. |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000111390 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 03/04/2026 | Qualifying DTI below max allowed. - Calculated DTI of
30.01% is less than Guideline DTI of 50% Borrower has stable job time - Borrower has 2.35 years on job. |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000118569 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/16/2026 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Credit Report Fee. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Initial CD received - exception resolved; Initial CD received - exception resolved | 03/23/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 766 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. - Calculated DTI of 27.64% is less than Guideline DTI of 50% |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000118569 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/17/2026 | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | Document Uploaded. | 03/23/2026 | Initial CD received - exception resolved; Initial CD received - exception resolved | 03/23/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 766 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. - Calculated DTI of 27.64% is less than Guideline DTI of 50% |
C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000118569 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/16/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 03/17/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 766 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. - Calculated DTI of 27.64% is less than Guideline DTI of 50% |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000118569 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/17/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 03/17/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 766 is greater than Guideline minimum FICO of 700 Qualifying DTI below max allowed. - Calculated DTI of 27.64% is less than Guideline DTI of 50% |
C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000108057 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/02/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Cleared | 01/06/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 710 is greater than Guideline minimum FICO of 660 Qualifying DTI below max allowed. - Calculated DTI of 26.23% is less than Guideline DTI of 50% Borrower has stable job time - Borrower has 10.61 years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000108057 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/05/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Cleared | 01/06/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 710 is greater than Guideline minimum FICO of 660 Qualifying DTI below max allowed. - Calculated DTI of 26.23% is less than Guideline DTI of 50% Borrower has stable job time - Borrower has 10.61 years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000108057 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/05/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Cleared | 01/06/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 710 is greater than Guideline minimum FICO of 660 Qualifying DTI below max allowed. - Calculated DTI of 26.23% is less than Guideline DTI of 50% Borrower has stable job time - Borrower has 10.61 years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000113964 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MO | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/04/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 02/05/2026 | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 80% is less than Guideline CLTV of 90% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 760 is greater than Guideline minimum FICO of 720 Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% Borrower has stable job time - Borrower has 9.87 years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000113964 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MO | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/04/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 02/05/2026 | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 80% is less than Guideline CLTV of 90% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 760 is greater than Guideline minimum FICO of 720 Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% Borrower has stable job time - Borrower has 9.87 years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000113964 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MO | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/05/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 02/05/2026 | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 80% is less than Guideline CLTV of 90% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 760 is greater than Guideline minimum FICO of 720 Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% Borrower has stable job time - Borrower has 9.87 years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000119174 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/19/2026 | Acknowledged | XXX | Credit | Loan does not conform to program guidelines | The loan file includes a Lender approved exception related to the subject property’s location in XXX County, XXX. The exception was granted based on the following compensating factors: XXX greater than program requirement, high discretional income, FICO XXX points greater than program requirement, and VOR/VOM XXX. This exception does not correspond to a published guideline requirement but is present in the file. | Lender exception provided supported by the following compensating factors: XXX greater than program requirement, high discretional income, FICO XXX points greater than program requirement, and VOR/VOM XXX. Exception downgraded to a level 2/B. | 07/01/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 798 is greater than Guideline minimum FICO of 720 Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% |
D | B | B | B | D | B | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 4000119174 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/19/2026 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The loan file does not include documentation verifying HOA dues for XXX XXX or verification of property taxes for XXX XXX Supporting documentation is required to confirm the current tax obligation and HOA dues. | Document Uploaded. | 04/06/2026 | Evidence provided - HOA evidence for XXX and taxes for XXXX | 04/07/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 798 is greater than Guideline minimum FICO of 720 Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% |
D | B | D | A | D | B | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 4000119174 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/19/2026 | Resolved | XXX | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The Settlement Company and Settlement Agent were not checked against the exclusionary lists. | Document Uploaded. | 04/01/2026 | All Interested Parties Checked against Exclusionary Lists; Fraud report provided | 04/02/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 798 is greater than Guideline minimum FICO of 720 Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% |
D | B | C | A | D | B | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 4000119174 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/19/2026 | Resolved | XXX | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Documentation required to clear exception: Please provide the Homeownership Counseling Disclosure. | Document Uploaded. | 03/27/2026 | Homeownership Counseling Disclosure Is Present or XXX | 03/30/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 798 is greater than Guideline minimum FICO of 720 Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% |
D | B | B | A | D | B | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 4000119174 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/19/2026 | Resolved | XXX | Compliance | Intent to Proceed is Missing | The intent to proceed is missing. Please provide either a signed intent to proceed document or provide the date the borrower gave the lender/broker their intent to proceed. | Document Uploaded. | 03/27/2026 | Proof of Intent to Proceed has been provided. | 03/30/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 798 is greater than Guideline minimum FICO of 720 Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% |
D | B | B | A | D | B | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 4000119174 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/19/2026 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Document Uploaded. | 03/27/2026 | Required Affiliated Business Disclosure Documentation Provided | 03/30/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 798 is greater than Guideline minimum FICO of 720 Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% |
D | B | B | A | D | B | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 4000119174 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/19/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 03/20/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 798 is greater than Guideline minimum FICO of 720 Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% |
D | B | A | A | D | B | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 4000124896 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/30/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 716 is greater than Guideline minimum FICO of 700 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000124896 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/30/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 716 is greater than Guideline minimum FICO of 700 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000124896 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/30/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 716 is greater than Guideline minimum FICO of 700 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000123506 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | ATR/QM: Exempt | Loan Review Complete | 04/28/2026 | Acknowledged | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Per XXX guidelines: Waiver of escrows is eligible for Primary Residence and Second Homes only. The subject property is an investment. | Document Uploaded. | 04/29/2026 | Exception provided. Approved XX/XX/XXXX by XXX. Comp factors XXX reserves, contribution over XXX% FICO exceeds, High income, length of employment and XXX. | 04/30/2026 | Qualifying DTI below max allowed. - Calculated DTI of
33.81% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 765 is greater than Guideline minimum FICO of 700. Borrower has stable job time - Borrower has 5.8 years on job. |
D | B | D | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 4000123506 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | ATR/QM: Exempt | Loan Review Complete | 04/28/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/28/2026 | Qualifying DTI below max allowed. - Calculated DTI of
33.81% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 765 is greater than Guideline minimum FICO of 700. Borrower has stable job time - Borrower has 5.8 years on job. |
D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 4000126683 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | ATR/QM: Exempt | Loan Review Complete | 04/30/2026 | Resolved | XXX | Credit | Borrower information on 1003 is incomplete | B1 1003 reflects self-employment with XXX and XXX; however, income used to qualify from XXX and XXX was not reflected on the 1003 as required. | uploaded XX/XX/XXXX | 05/05/2026 | Documentation is sufficient. Updated 1003 provided. Exception resolved. | 05/05/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 762 is greater than Guideline minimum FICO of 700. Qualifying DTI below max allowed. - Calculated DTI of 30% is less than Guideline DTI of 50% Borrower has stable job time - Borrower has 6.32 years on job. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000126683 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | ATR/QM: Exempt | Loan Review Complete | 04/30/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 04/30/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 762 is greater than Guideline minimum FICO of 700. Qualifying DTI below max allowed. - Calculated DTI of 30% is less than Guideline DTI of 50% Borrower has stable job time - Borrower has 6.32 years on job. |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000126683 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | ATR/QM: Exempt | Loan Review Complete | 04/30/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 04/30/2026 | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of 762 is greater than Guideline minimum FICO of 700. Qualifying DTI below max allowed. - Calculated DTI of 30% is less than Guideline DTI of 50% Borrower has stable job time - Borrower has 6.32 years on job. |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000129718 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | AL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/26/2026 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Guidelines, dated XX/XX/XXXX, require multiple bank accounts may be used if a Borrower shows they closed the initial account to use another. Borrower opened up a new business bank account due to fraud and kept old one open. Letter of explanation is in file stating account is remaining open but not for business operations. Missing Lender exception. | Document Uploaded. | 06/04/2026 | Income and Employment Meet Guidelines.; Auditor Response: Lender uploaded letter reflecting the account has closed. | 06/05/2026 | Original LTV is Below the Guideline Maximum - Calculated
LTV of 55.56% is less than Guideline LTV of 75% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.56% is less than Guideline CLTV of 75% Qualifying DTI below max allowed. - Calculated DTI of 19.76% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 724 is greater than Guideline minimum FICO of 700. Borrower has stable job time - Borrower has 19.26 years on job. |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000129718 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | AL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/26/2026 | Resolved | XXX | Compliance | TRID Disclosure Delivery and Receipt Date Validation Test | This loan failed the TRID disclosure delivery and receipt date validation test due to one of the following findings:The Revised Loan Estimate Receipt Date is before Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date is before Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date is before Revised Closing Disclosure Delivery Date. The initial and any revised Loan Estimate and Closing Disclosures are missing. As a result, a full review for compliance with timing and tolerance requirements could not be performed. The defect can be cured by providing the initial and any revised Loan Estimates and Closing Disclosure with corresponding COCs that were issued to the consumer. | Document Uploaded. ; Document Uploaded. | 05/28/2026 | LE and CD provided; exception resolved ; LE and CD provided; exception resolved | 05/29/2026 | Original LTV is Below the Guideline Maximum - Calculated
LTV of 55.56% is less than Guideline LTV of 75% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.56% is less than Guideline CLTV of 75% Qualifying DTI below max allowed. - Calculated DTI of 19.76% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 724 is greater than Guideline minimum FICO of 700. Borrower has stable job time - Borrower has 19.26 years on job. |
C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000129718 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | AL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/26/2026 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 05/28/2026 | Evidence of eConsent is provided. | 05/29/2026 | Original LTV is Below the Guideline Maximum - Calculated
LTV of 55.56% is less than Guideline LTV of 75% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.56% is less than Guideline CLTV of 75% Qualifying DTI below max allowed. - Calculated DTI of 19.76% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 724 is greater than Guideline minimum FICO of 700. Borrower has stable job time - Borrower has 19.26 years on job. |
C | A | B | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000129718 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | AL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/26/2026 | Resolved | XXX | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. | Document Uploaded. | 05/28/2026 | Homeownership Counseling Disclosure Is Present or XXX | 05/29/2026 | Original LTV is Below the Guideline Maximum - Calculated
LTV of 55.56% is less than Guideline LTV of 75% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.56% is less than Guideline CLTV of 75% Qualifying DTI below max allowed. - Calculated DTI of 19.76% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 724 is greater than Guideline minimum FICO of 700. Borrower has stable job time - Borrower has 19.26 years on job. |
C | A | B | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000129718 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | AL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/26/2026 | Resolved | XXX | Compliance | Intent to Proceed is Missing | The intent to proceed is missing. Please provide either a signed intent to proceed document or provide the date the borrower gave the lender/broker their intent to proceed | Document Uploaded. | 05/28/2026 | Proof of Intent to Proceed has been provided. | 05/29/2026 | Original LTV is Below the Guideline Maximum - Calculated
LTV of 55.56% is less than Guideline LTV of 75% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.56% is less than Guideline CLTV of 75% Qualifying DTI below max allowed. - Calculated DTI of 19.76% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 724 is greater than Guideline minimum FICO of 700. Borrower has stable job time - Borrower has 19.26 years on job. |
C | A | B | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000129718 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | AL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/26/2026 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Document Uploaded. | 05/28/2026 | Required Affiliated Business Disclosure Documentation Provided. | 05/29/2026 | Original LTV is Below the Guideline Maximum - Calculated
LTV of 55.56% is less than Guideline LTV of 75% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.56% is less than Guideline CLTV of 75% Qualifying DTI below max allowed. - Calculated DTI of 19.76% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 724 is greater than Guideline minimum FICO of 700. Borrower has stable job time - Borrower has 19.26 years on job. |
C | A | B | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000129718 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | AL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/26/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/27/2026 | Original LTV is Below the Guideline Maximum - Calculated
LTV of 55.56% is less than Guideline LTV of 75% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.56% is less than Guideline CLTV of 75% Qualifying DTI below max allowed. - Calculated DTI of 19.76% is less than Guideline DTI of 50% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 724 is greater than Guideline minimum FICO of 700. Borrower has stable job time - Borrower has 19.26 years on job. |
C | A | A | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000128706 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/26/2026 | Resolved | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; ; Rebuttal: Please see the attached corrected XXX and feedback below from our UW. As for the other investment property the negative is part of the final numbers New PITI - XXX Other payments - XXX Total XXX divided by income XXX = XXX% DTI ; ; DTI difference due to Lender Income Calculation ($ XXX) and Auditors ($ XXX) varied due to minimum of the XXX% expense ratio per matrix utilized within audit. Also, per XXX it does not appear that Lender added debt for vacant land that Borrower still owns with a monthly expense of $XXX. | 06/08/2026 | Original LTV is Below the Guideline Maximum - Calculated
LTV of 48% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48% is less than Guideline CLTV of 80% Borrower has stable job time - Borrower has 4.87 years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 767 is greater than Guideline minimum FICO of 700. |
C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000128706 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/28/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/28/2026 | Original LTV is Below the Guideline Maximum - Calculated
LTV of 48% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48% is less than Guideline CLTV of 80% Borrower has stable job time - Borrower has 4.87 years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 767 is greater than Guideline minimum FICO of 700. |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000128706 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/26/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 05/27/2026 | Original LTV is Below the Guideline Maximum - Calculated
LTV of 48% is less than Guideline LTV of 80% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48% is less than Guideline CLTV of 80% Borrower has stable job time - Borrower has 4.87 years on job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 767 is greater than Guideline minimum FICO of 700. |
C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000126677 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/04/2026 | Resolved | XXX | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application,XX/XX/XXXX. | Document Uploaded. | 05/06/2026 | Homeownership Counseling Disclosure Is Present or XXX | 05/08/2026 | Borrower has stable job time - Borrower has 2.9 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 709 is greater than Guideline minimum FICO of 660. Qualifying DTI below max allowed. - Calculated DTI of 16.54% is less than Guideline DTI of 50% |
B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000126677 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/05/2026 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Document Uploaded. | 05/07/2026 | Required Affiliated Business Disclosure Documentation Provided. | 05/08/2026 | Borrower has stable job time - Borrower has 2.9 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 709 is greater than Guideline minimum FICO of 660. Qualifying DTI below max allowed. - Calculated DTI of 16.54% is less than Guideline DTI of 50% |
B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000126677 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/05/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/05/2026 | Borrower has stable job time - Borrower has 2.9 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 709 is greater than Guideline minimum FICO of 660. Qualifying DTI below max allowed. - Calculated DTI of 16.54% is less than Guideline DTI of 50% |
B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000126677 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/05/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/05/2026 | Borrower has stable job time - Borrower has 2.9 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 709 is greater than Guideline minimum FICO of 660. Qualifying DTI below max allowed. - Calculated DTI of 16.54% is less than Guideline DTI of 50% |
B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000129719 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | PA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/20/2026 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 05/22/2026 | Evidence of eConsent is provided. | 05/26/2026 | Borrower has stable job time - Borrower has 2.69 years on job. | B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000129719 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | PA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/20/2026 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Document Uploaded. | 05/22/2026 | Required Affiliated Business Disclosure Documentation Provided. | 05/26/2026 | Borrower has stable job time - Borrower has 2.69 years on job. | B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000129719 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | PA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/19/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/22/2026 | Borrower has stable job time - Borrower has 2.69 years on job. | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000129719 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | PA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/19/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/22/2026 | Borrower has stable job time - Borrower has 2.69 years on job. | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000129723 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/22/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 05/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 65.52% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 65.52% is less than Guideline LTV of 80% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 801 is greater than Guideline minimum FICO of 760. Borrower has stable job time - Borrower has 6.38 years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000129723 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/22/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 65.52% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 65.52% is less than Guideline LTV of 80% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 801 is greater than Guideline minimum FICO of 760. Borrower has stable job time - Borrower has 6.38 years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000129723 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/22/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/22/2026 | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 65.52% is less than Guideline CLTV of 80% Original LTV is Below the Guideline Maximum - Calculated LTV of 65.52% is less than Guideline LTV of 80% Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 801 is greater than Guideline minimum FICO of 760. Borrower has stable job time - Borrower has 6.38 years on job. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000129717 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | XXX | Credit | 1-4 Family Rider is Missing | 1-4 Family Rider is Missing. The Security Instrument does not contain a 1-4 Family Rider. | Document Uploaded. Mtg attached | 05/26/2026 | ; ; Executed Deed of Trust provided. 1-4 Family not provided however assignment of leases and rents rider provided. | 05/27/2026 | Borrower has stable job time - Borrower has 3.85 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 717 is greater than Guideline minimum FICO of 700. Qualifying DTI below max allowed. - Calculated DTI of 39.46% is less than Guideline DTI of 50% |
D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000129717 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 05/22/2026 | Borrower has stable job time - Borrower has 3.85 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 717 is greater than Guideline minimum FICO of 700. Qualifying DTI below max allowed. - Calculated DTI of 39.46% is less than Guideline DTI of 50% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000129717 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | ATR/QM: Exempt | Loan Review Complete | 05/20/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/22/2026 | Borrower has stable job time - Borrower has 3.85 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 717 is greater than Guideline minimum FICO of 700. Qualifying DTI below max allowed. - Calculated DTI of 39.46% is less than Guideline DTI of 50% |
D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000128705 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/22/2026 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 05/27/2026 | Borrower has stable job time - Borrower has 5.3 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 762 is greater than Guideline minimum FICO of 700. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000128705 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/22/2026 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 05/27/2026 | Borrower has stable job time - Borrower has 5.3 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 762 is greater than Guideline minimum FICO of 700. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000128705 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/26/2026 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 05/27/2026 | Borrower has stable job time - Borrower has 5.3 years on
job. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 762 is greater than Guideline minimum FICO of 700. |
A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000008719 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Closed | 01/20/2023 | Acknowledged | XXX | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for XXX by XXX and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for XXX by XXX and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML loan with established escrow and appraisal requirements met; HPML loan with established escrow and appraisal requirements met. Per recent direction received on XX/XX/XXXX; client acknowledges HPML loans. ; HPML loan with established escrow and appraisal requirements met. Per recent direction received on XX/XX/XXXX; client acknowledges HPML loans. | Change status of 'Higher-Priced Mortgage Loan' from Active to Open Rebuttal.; HPML loan with established escrow and appraisal requirements met. Per recent direction received on XX/XX/XXXX; client acknowledges HPML loans. ; Change status of 'Higher-Priced Mortgage Loan' from Open Rebuttal to Acknowledged by Client.; HPML loan with established escrow and appraisal requirements met. Per recent direction received on XX/XX/XXXX; client acknowledges HPML loans. | 01/23/2023 | HPML Compliant | 01/25/2023 | Calculated DTI is Less
than the Guideline Maximum - Calculated DTI of 11.47 is less than the
Guideline DTI of 50.00. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 726 is Greater than the Guideline Minimum of 660. ; Borrower 1 has significant job time - Borrower has 15.21 years on job ; Borrower has more than 2 years at current residence - Borrower at current residence 16.00 years ; Borrower has stable job time - Borrower has 15.21 years at job. ; Borrower Years On Job Exceeds 10 Years - Borrower Years On Job Exceeds 10 Years |
C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 4000008719 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Closed | 01/23/2023 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 01/23/2023 | Calculated
DTI is Less than the Guideline Maximum - Calculated DTI of 11.47 is less than
the Guideline DTI of 50.00. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 726 is Greater than the Guideline Minimum of 660. ; Borrower 1 has significant job time - Borrower has 15.21 years on job ; Borrower has more than 2 years at current residence - Borrower at current residence 16.00 years ; Borrower has stable job time - Borrower has 15.21 years at job. ; Borrower Years On Job Exceeds 10 Years - Borrower Years On Job Exceeds 10 Years |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 4000008719 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Closed | 01/23/2023 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/23/2023 | Calculated
DTI is Less than the Guideline Maximum - Calculated DTI of 11.47 is less than
the Guideline DTI of 50.00. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 726 is Greater than the Guideline Minimum of 660. ; Borrower 1 has significant job time - Borrower has 15.21 years on job ; Borrower has more than 2 years at current residence - Borrower at current residence 16.00 years ; Borrower has stable job time - Borrower has 15.21 years at job. ; Borrower Years On Job Exceeds 10 Years - Borrower Years On Job Exceeds 10 Years |
C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 4000119175 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | VA | ATR/QM Exempt | Loan Review Complete | 03/31/2026 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000119165 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | TX | ATR/QM Exempt | Loan Review Complete | 04/01/2026 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000120756 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | ATR/QM Exempt | Loan Review Complete | 04/03/2026 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000123690 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | ATR/QM Exempt | Loan Review Complete | 04/10/2026 | Resolved | XXX | Credit | Title Insurance Missing or Defective | Provided Preliminary Title is missing Lender's name with ISAOA verbiage. Please provide updated Title Insurance or Title supplement. | XXX: Title uploaded | 4/27/2026 | XXX: Title RECEIVED | 04/27/2026 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000119167 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MO | ATR/QM Exempt | Loan Review Complete | 04/14/2026 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines. | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000124160 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | AZ | ATR/QM Exempt | Loan Review Complete | 04/16/2026 | Resolved | XXX | Credit | Insufficient Assets to Close | XXX assets < XXX minimum required assets for cash to close and XXX months' reserves. Please provide additional assets. | XXX: additional asset was uploaded along with asset accounted for, please review attachments and provide an update. Please also take into consideration proceed from sales. Thank you. | 4/21/2026 | XXX: Assets received | 04/21/2026 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000119170 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | ATR/QM Exempt | Loan Review Complete | 04/17/2026 | Resolved | XXX | Credit | Title Insurance Missing or Defective | Provided Preliminary Title is missing coverage amount and Lender's name with ISAOA verbiage. Please provide updated Title Insurance or Title supplement. | XXX: Uploaded Supplemental Title Report | 4/24/2026 | XXX: Received Supplemental Title Report | 04/24/2026 | C | B | C | A | C | A | C | B | N/A | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | |
| 4000119170 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | ATR/QM Exempt | Loan Review Complete | 04/17/2026 | Acknowledged | XXX | Property | Hazard Insurance Missing or Defective | Missing rent loss coverage | XXX: Automatic waive | 4/17/2026 | XXX: Automatic waive received | 04/17/2026 | 3 months reserves greater than program requirement, FICO 741 | C | B | C | B | C | A | C | B | N/A | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A |
| 4000124163 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | PA | ATR/QM Exempt | Loan Review Complete | 04/17/2026 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines. | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000123934 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | ATR/QM Exempt | Loan Review Complete | 04/22/2026 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines. | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000126673 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NJ | ATR/QM Exempt | Loan Review Complete | 04/23/2026 | Resolved | XXX | Credit | Title Insurance Coverage - Inadequate Coverage | XXX Title coverage < XXX minimum coverage required. Please provide updated Title commitment or Title supplement | XXX: Title uploaded | 4/27/2026 | XXX: Received Title | 04/27/2026 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000126671 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | VA | ATR/QM Exempt | Loan Review Complete | 04/29/2026 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines. | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000119172 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | AZ | ATR/QM Exempt | Loan Review Complete | 04/30/2026 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines. | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000125845 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | WA | ATR/QM Exempt | Loan Review Complete | 05/01/2026 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines. | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000128713 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | GA | ATR/QM Exempt | Loan Review Complete | 05/05/2026 | Resolved | XXX | Credit | Evidence of Primary Residence and Rent-Free Scenario Missing or Defective | Missing VOM for primary residence: XXX | XXX: VOM | 5/6/2026 | XXX: VOM | 05/07/2026 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000127557 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | ATR/QM Exempt | Loan Review Complete | 05/07/2026 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines. | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000127558 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MD | ATR/QM Exempt | Loan Review Complete | 05/07/2026 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines. | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000126674 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NJ | ATR/QM Exempt | Loan Review Complete | 05/11/2026 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines. | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000128371 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | ATR/QM Exempt | Loan Review Complete | 05/12/2026 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines. | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000128710 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | ATR/QM Exempt | Loan Review Complete | 05/15/2026 | Acknowledged | XXX | Property | Ineligible Property | Subject property located at XXX is classified as rural on XXX and is ineligible per program guidelines. | XXX: Exception waiver | 5/19/2026 | XXX: Exception waiver received | 05/19/2026 | 6 months reserves greater than program requirement, FICO 20+ points greater than program requirement, VOR/VOM 0x30x24 | C | B | C | B | C | B | C | B | N/A | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | B | B | B | N/A | B | B | B | N/A | B | B | B | N/A | B | B | B | N/A | B | B | B | N/A |
| 4000128710 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | ATR/QM Exempt | Loan Review Complete | 05/15/2026 | Acknowledged | XXX | Credit | DSCR Minimum Not Met | XXX DSCR < XX/XX/XXXX minimum DSCR required for Rural properties as per Investor DSCR guidelines | XXX: Exception waiver | 5/19/2026 | XXX: Exception waiver received | 05/19/2026 | 6 months reserves greater than program requirement, FICO 20+ points greater than program requirement, VOR/VOM 0x30x24 | C | B | C | B | C | B | C | B | N/A | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | B | B | B | N/A | B | B | B | N/A | B | B | B | N/A | B | B | B | N/A | B | B | B | N/A |
| 4000128710 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | ATR/QM Exempt | Loan Review Complete | 05/15/2026 | Acknowledged | XXX | Credit | Subject Property Lease - Missing or Defective | The subject property is being XXX, please provide documentation evidencing termination of the active rental listing agreement between the borrower and broker for the subject property: XXX | XXX: Exception waiver | 5/19/2026 | XXX: Exception waiver received | 05/19/2026 | 6 months reserves greater than program requirement, FICO 20+ points greater than program requirement, VOR/VOM 0x30x24 | C | B | C | B | C | B | C | B | N/A | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | B | B | B | N/A | B | B | B | N/A | B | B | B | N/A | B | B | B | N/A | B | B | B | N/A |
| 4000129732 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | ATR/QM Exempt | Loan Review Complete | 05/18/2026 | Resolved | XXX | Credit | Note Missing or Defective | XXX charge of XXX months interest listed on the Prepayment Addendum to Note does not align with the XXX charge of XXX disclosed on the Final Closing Disclosure. Please clarify the correct XXX structure and provide revised documentation, if applicable. | XXX: Clarified | 5/19/2026 | XXX: Clarification received | 05/19/2026 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000128709 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | ATR/QM Exempt | Loan Review Complete | 05/18/2026 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines. | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000128377 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NC | ATR/QM Exempt | Loan Review Complete | 05/19/2026 | Resolved | XXX | Credit | Note Missing or Defective | Missing complete prepayment addendum, please provide confirmed XXX | XXX: PPP uploaded | 5/21/2026 | XXX: Received PPP | 05/21/2026 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000128376 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | ATR/QM Exempt | Loan Review Complete | 05/21/2026 | Resolved | XXX | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX Revocable Living Trust to XXX XXXXX | XXX: Deed uploaded | 5/27/2026 | XXX: Received Deed | 05/27/2026 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000129721 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | WA | ATR/QM Exempt | Loan Review Complete | 05/26/2026 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines. | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000129722 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | WA | ATR/QM Exempt | Loan Review Complete | 05/27/2026 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines. | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000129730 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MA | ATR/QM Exempt | Loan Review Complete | 05/28/2026 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines. | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000128374 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | AK | ATR/QM Exempt | Loan Review Complete | 05/28/2026 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines. | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000130166 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | ATR/QM Exempt | Loan Review Complete | 06/01/2026 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines. | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000131816 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | AZ | ATR/QM Exempt | Loan Review Complete | 06/02/2026 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines. | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000131818 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | ATR/QM Exempt | Loan Review Complete | 06/05/2026 | Resolved | XXX | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX to XXX | XXX: Deed uploaded | 6/8/2026 | XXX: Received Deed | 06/08/2026 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000073393 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | ATR/QM Exempt | Complete | 04/15/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000073478 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | ATR/QM Exempt | Complete | 05/07/2025 | Resolved | XXX | Property | Hazard Insurance Missing or Defective | InXXX coverage and missing premium amount. XXX Hazard Insurance Coverage < XXX Minimum Required. Missing policy premium, Please provide updated hazard insurance with policy premium and XXX coverage. | XXX: insurance | 5/9/2025 | XXX: Updated insurance received. | 05/12/2025 | C | A | C | A | A | A | C | A | N/A | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000097578 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | TN | ATR/QM Exempt | Loan Review Complete | 10/30/2025 | Resolved | XXX | Credit | Entity Documentation - Missing or Defective | XXX Resolution for XXX of Subject and confirmation of ownership percentages | XXX: BUSINESS | 11/3/2025 | XXX: Received entity docs | 11/05/2025 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000097563 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | ATR/QM Exempt | Loan Review Complete | 11/04/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000098704 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | ATR/QM Exempt | Loan Review Complete | 11/12/2025 | Resolved | XXX | Credit | Title Insurance Missing or Defective | Title Commitment is missing Lender's name and mortgagee clause. Please provide updated Title policy. | XXX: Title | 12/1/2025 | XXX: Received Title | 12/01/2025 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000103171 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | SC | ATR/QM Exempt | Loan Review Complete | 11/20/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000098716 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MO | ATR/QM Exempt | Loan Review Complete | 11/20/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000104049 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | ATR/QM Exempt | Loan Review Complete | 12/02/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000103169 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | VA | ATR/QM Exempt | Loan Review Complete | 12/04/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000103170 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NJ | ATR/QM Exempt | Loan Review Complete | 12/08/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000108139 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | ATR/QM Exempt | Loan Review Complete | 12/31/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000111379 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CT | ATR/QM Exempt | Loan Review Complete | 01/21/2026 | Resolved | XXX | Credit | Closing Disclosure/Settlement Statement Missing or Defective | Cloising Disclosure in file reflects sales price of XXX when all other documentation reflects a sales price of $XXX. Please provide updated Closing Disclosure to reflect correct XXX price. | XXX: Sales price confirmed at XXX | 1/26/2026 | XXX: Received sales price confirmation | 01/26/2026 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000105183 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | ATR/QM Exempt | Loan Review Complete | 02/18/2026 | Resolved | XXX | Credit | Title Insurance Missing or Defective | Aged Title Commitment of XXX Days > XXX Days Max Allowed. Please provide updated Title Commitment. | XXX: TITLE DATED WITHIN XXX DAYS OF CLOSING XX/XX/XXXX | 3/3/2026 | XXX: Received updated Title | 03/03/2026 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000120447 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | ATR/QM Exempt | Loan Review Complete | 03/10/2026 | Resolved | XXX | Credit | Title Insurance Missing or Defective | Title Commitment is MISSING MORTGAGEe clause after lender's name. Please provide updated title policy with ISAOA/ATIMA verbiage | XXX: Title uploaded | 3/16/2026 | XXX: Received Title | 03/16/2026 | C | A | C | A | C | A | C | A | N/A | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000120447 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | ATR/QM Exempt | Loan Review Complete | 03/10/2026 | Resolved | XXX | Property | Hazard Insurance Missing or Defective | Hazard Insurance effective and expiration date is the same, provide updated Hazard Insurance | XXX: Uploaded Drive By Appraisal confirming property was not damaged during coverage gap | 4/22/2026 | XXX: Received Drive By Appraisal confirming property was not damaged during coverage gap | 04/22/2026 | C | A | C | A | C | A | C | A | N/A | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000108067 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | TX | ATR/QM Exempt | Loan Review Complete | 03/11/2026 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000113973 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | VA | ATR/QM Exempt | Loan Review Complete | 03/18/2026 | Resolved | XXX | Property | Completion Report or 1004D - Missing | Missing 1004D for subject property: XXX | XXX: Revised appraisal | 3/27/2026 | XXX: Received appraisal revision | 03/27/2026 | D | A | D | A | A | A | D | A | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000113973 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | VA | ATR/QM Exempt | Loan Review Complete | 03/18/2026 | Resolved | XXX | Property | Flood Cert or Evidence not in a Flood Zone Missing | Missing Flood Certificate For: XXX | XXX: Flood Cert Uploaded | 3/20/2026 | XXX: Received Flood Cert | 03/20/2026 | D | A | D | A | A | A | D | A | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000118573 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NV | ATR/QM Exempt | Loan Review Complete | 03/19/2026 | Resolved | XXX | Property | Hazard Insurance Missing or Defective | Hazard Insurance is MISSING MORTGAGEe clause. Please provide updated Hazard Insurance with mortgagee clause forsubject property: XXX XXX | XXX: HOI | 4/1/2026 | XXX: HOI received | 04/02/2026 | C | A | C | A | A | A | C | A | N/A | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000113954 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NJ | ATR/QM Exempt | Loan Review Complete | 03/23/2026 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000118576 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | GA | ATR/QM Exempt | Loan Review Complete | 03/26/2026 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000120449 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | TX | ATR/QM Exempt | Loan Review Complete | 03/27/2026 | Resolved | XXX | Credit | Closing Documentation Missing or Defective | MISSING MORTGAGE and prepayment documents | XXX: XX/XX/XXXX - MORTGAGE XX/XX/XXXX-PPP ADDENDUM | 4/1/2026 | XXX: Received mortgage and PPP | 04/01/2026 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000103366 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | OH | ATR/QM: Exempt | Closed | 12/10/2025 | Resolved | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | 12/10/2025 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000094740 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | GA | ATR/QM: Exempt | Closed | 12/15/2025 | Resolved | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | 12/15/2025 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000102407 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MD | ATR/QM: Exempt | Closed | 12/16/2025 | Acknowledged | XXX | Property | Ineligible Property | XXX% sold and closed < XXX% required for a condo project | XX/XX/XXXX: CRSE | XXX: Waived | 12/16/2025 | FICO 808, LTV 70%, DSCR 1.30 | C | B | C | B | A | A | C | B | N/A | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | |
| 4000103196 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | TX | ATR/QM: Exempt | Closed | 12/23/2025 | Resolved | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | 12/23/2025 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000107832 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | WA | ATR/QM: Exempt | Closed | 01/01/2026 | Resolved | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | 01/01/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000108416 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MN | ATR/QM: Exempt | Closed | 01/22/2026 | Resolved | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | 01/22/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000118795 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | ATR/QM: Exempt | Closed | 03/26/2026 | Resolved | XXX | Credit | Flood Certificate Missing or Defective | Flood Certificate in file does not reflect the correct property address: XXX XXX | XX/XX/XXXX: Flood | XXX: Received | 04/01/2026 | C | B | C | A | C | A | C | B | N/A | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | ||
| 4000118795 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | ATR/QM: Exempt | Closed | 03/26/2026 | Resolved | XXX | Property | Condo Questionnaire Missing or Defective | Condominium questionnaire and master insurance policy in file do not reflect the correct property address: XXX #XXX. | XX/XX/XXXX: Condo docs | XXX: Received | 04/01/2026 | C | B | C | A | C | A | C | B | N/A | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | ||
| 4000118795 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | ATR/QM: Exempt | Closed | 03/26/2026 | Acknowledged | XXX | Property | Ineligible Property – Square Footage | XXX square feet of gross living area < XXX square feet minimum requirement. Subject property is ineligible as per guidelines. | XX/XX/XXXX: CRSE | XXX: Waived | 03/30/2026 | 0x30x12, DSCR 1.52, FICO 807 | C | B | C | B | C | A | C | B | N/A | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | |
| 4000119874 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | SC | ATR/QM: Exempt | Closed | 04/02/2026 | Resolved | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | 04/02/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000119881 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | LA | ATR/QM: Exempt | Closed | 04/08/2026 | Resolved | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | 04/08/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000119913 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | GA | ATR/QM: Exempt | Closed | 04/13/2026 | Resolved | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | 04/13/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000124169 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MO | ATR/QM: Exempt | Closed | 04/21/2026 | Resolved | XXX | Property | Appraisal Review - Missing | Missing appraisal review for the subject property: XXX . | XX/XX/XXXX: BPO | XXX: Received | 04/22/2026 | D | A | D | A | A | A | D | A | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000122340 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | TN | ATR/QM: Exempt | Closed | 04/21/2026 | Resolved | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | 04/21/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000124639 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | ATR/QM: Exempt | Closed | 04/24/2026 | Resolved | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | 04/24/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000120746 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NC | ATR/QM: Exempt | Closed | 04/24/2026 | Resolved | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | 04/24/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000123574 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | ATR/QM: Exempt | Closed | 04/28/2026 | Resolved | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | 04/28/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000127407 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | GA | ATR/QM: Exempt | Closed | 05/04/2026 | Acknowledged | XXX | Credit | Non-Occupant Borrower Requirements Not Met | Transaction is gift of equity and therefore non-arms length. Loan amount XXX with max LTV of 60%. | XX/XX/XXXX: CRSE | XXX: Waived | 05/04/2026 | FICO 755, 8.88 DSCR, 86.96 months reserves | B | B | B | B | B | B | A | A | N/A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | |
| 4000125916 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | GA | ATR/QM: Exempt | Closed | 05/07/2026 | Resolved | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | 05/07/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000126822 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | ATR/QM: Exempt | Closed | 05/07/2026 | Resolved | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | 05/07/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000126433 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | UT | ATR/QM: Exempt | Closed | 05/18/2026 | Resolved | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | 05/18/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000129841 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | ATR/QM: Exempt | Closed | 05/19/2026 | Resolved | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | 05/19/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000128132 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CT | ATR/QM: Exempt | Closed | 05/26/2026 | Resolved | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | 05/26/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000130625 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CO | ATR/QM: Exempt | Closed | 05/26/2026 | Resolved | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | 05/26/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000126346 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | TX | ATR/QM: Exempt | Closed | 05/27/2026 | Resolved | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | 05/27/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000127744 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | SC | ATR/QM: Exempt | Closed | 05/28/2026 | Resolved | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | 05/28/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000130721 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MD | ATR/QM: Exempt | Closed | 05/29/2026 | Resolved | XXX | Property | Appraisal Review - Missing | Missing appraisal review for subject property: XXX | XX/XX/XXXX: CDA | XXX: Received | 06/04/2026 | D | A | D | A | A | A | D | A | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000126276 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | OH | ATR/QM: Exempt | Closed | 06/03/2026 | Resolved | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | 06/03/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000127055 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MD | ATR/QM: Exempt | Closed | 06/04/2026 | Resolved | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX Clear | 06/04/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000126439 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | ATR/QM: Exempt | Closed | 06/03/2026 | Resolved | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | 06/03/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000098928 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | TX | ATR/QM: Exempt | Closed | 11/04/2025 | Resolved | XXX | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | 11/04/2025 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000099358 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | PA | ATR/QM: Exempt | Closed | 11/21/2025 | Resolved | XXX | Credit | Entity Documentation - Missing or Defective | Missing operating agreement and articles of incorporation | XX/XX/XXXX: Entity doc | XXX: Received | 11/25/2025 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000096135 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MD | ATR/QM: Exempt | Closed | 09/24/2025 | Resolved | XXX | Credit | Deed Missing or Defective | Missing Evidence of Deed. | XXX: Uploaded | XXX: Received | 10/13/2025 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000096135 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MD | ATR/QM: Exempt | Closed | 09/24/2025 | Resolved | XXX | Credit | Title Insurance Missing or Defective | The title file does not include the required "Its Successors and/or Assigns as Their Interests May Appear" (ISAOA) language. Please update the title commitment to reflect ISAOA for proper compliance. | XXX: Overlay provided | XXX: Received overlay from XXX. XXX does not see this the exception as a defect. The absence of “ISAOA/ATIMA” or “its successors and/or assigns” on the title commitment does not impact the structure of the or scope of coverage. The final loan policy will insure the lender of record, XXX XXX, and will automatically extend to any successors or assigns in accordance with standard ALTA policy provisions. | 10/16/2025 | D | A | C | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000096135 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MD | ATR/QM: Exempt | Closed | 09/24/2025 | Resolved | XXX | Credit | Closing Documentation Missing or Defective | Prepay Discrepancy between Final CD and XXX Addendum. Addendum relfects XXX months interest payment if payed within the first XXX months in the amount of $XXX. Final CD relfects as high as XXX | 10/07/2025 | D | A | C | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000091006 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NJ | ATR/QM: Exempt | Closed | 10/08/2025 | Resolved | XXX | Credit | Deed Missing or Defective | Missing Evidence of Deed. | XXX: Uploaded | XXX: Received | 10/13/2025 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000102259 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NJ | ATR/QM: Exempt | Closed | 11/14/2025 | Resolved | XXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000102257 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NJ | ATR/QM: Exempt | Closed | 11/20/2025 | Resolved | XXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000100724 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | TX | ATR/QM: Exempt | Closed | 11/20/2025 | Resolved | XXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000100725 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NJ | ATR/QM: Exempt | Closed | 12/09/2025 | Acknowledged | XXX | Credit | Guarantor Identification Missing or Defective | Missing Borrower ID for XXX. XXX Patriot Act not filled out with Borrower information. | XXX: Waived | XXX: Waived | 12/11/2025 | Fico +120, 18 Months Reserves | D | B | D | B | D | B | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | |
| 4000100737 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NC | ATR/QM: Exempt | Closed | 12/15/2025 | Resolved | XXX | Credit | Guarantor Identification Missing or Defective | Missing Borrower ID for XXX. XXX Patriot Act not filled out with Borrower information. | XXX: Uploaded | XXX: Received | 12/18/2025 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000100737 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NC | ATR/QM: Exempt | Closed | 12/15/2025 | Resolved | XXX | Credit | Sales Contract Missing or Defective | XXX Agreement on file is illegible. Please provide legible XXX Agreement. | XXX: Uploaded | XXX: Received | 12/18/2025 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000100737 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NC | ATR/QM: Exempt | Closed | 12/15/2025 | Resolved | XXX | Credit | Title Insurance Coverage - Inadequate Coverage | Title Insurance Coverage of XXX < XXX Minimum Required. | XXX: Uploaded | XXX: Received | 12/19/2025 | D | A | C | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000106710 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | ATR/QM: Exempt | Closed | 12/18/2025 | Resolved | XXX | Credit | Title Insurance Coverage - Inadequate Coverage | Title Insurance Coverage of XXX < XXX Minimum Required. | XXX: Uploaded | XXX: Received | 12/31/2025 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000106717 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | TX | ATR/QM: Exempt | Closed | 12/23/2025 | Resolved | XXX | Credit | Closing Documentation Missing or Defective | Closing Document Defective: The loan documents must be revised to correctly reflect XXX as the borrower on the note, with execution completed by the entity. | XXX: Rescinded | 12/23/2025 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000107967 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | TX | ATR/QM: Exempt | Closed | 01/09/2026 | Resolved | XXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 01/09/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000106713 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | ATR/QM: Exempt | Closed | 01/27/2026 | Resolved | XXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 01/27/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000111040 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | ATR/QM: Exempt | Closed | 01/28/2026 | Resolved | XXX | Credit | Title Insurance Missing or Defective | Title Insurance Defective: Preliminary/Supplemental Title Insurance in file does not reflect the lending entity - XXX XXX or the proposed amount of coverage. Please provide updated/supplemental title insurance to reflect these. | XXX: Uploaded | XXX: Received | 02/03/2026 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000130058 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | PA | ATR/QM: Exempt | Closed | 02/06/2026 | Resolved | XXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 02/06/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000111261 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | PA | ATR/QM: Exempt | Closed | 02/09/2026 | Resolved | XXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 02/09/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000111104 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | WA | ATR/QM: Exempt | Closed | 02/25/2026 | Resolved | XXX | Credit | Closing Protection Letter Missing or Defective | Closing Protection Letter needs to reflect XXX XXX XXX as the buyer/borrower as this is the XXX reflected on the security instrument. | XXX: Uploaded | XXX: Received | 02/26/2026 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000106715 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | ATR/QM: Exempt | Closed | 03/03/2026 | Resolved | XXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 03/03/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000119329 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NV | ATR/QM: Exempt | Closed | 03/17/2026 | Resolved | XXX | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED XXX to XXX And XXX | XXX: Uploaded | XXX: Received | 03/23/2026 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000118194 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | VA | ATR/QM: Exempt | Closed | 03/17/2026 | Resolved | XXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 03/17/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000113192 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | ID | ATR/QM: Exempt | Closed | 03/17/2026 | Resolved | XXX | Credit | Title Insurance Coverage - Inadequate Coverage | Title Insurance Coverage of XXX < XXX Minimum Required. Please provide updated title. | XXX: Uploaded | XXX: Received | 03/19/2026 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000121869 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | ATR/QM: Exempt | Closed | 03/23/2026 | Resolved | XXX | Credit | Credit Report Missing or Defective | Missing Credit Report For Borrower - XXX | XXX: Uploaded | XXX: Received | 03/25/2026 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000117211 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CT | ATR/QM: Exempt | Closed | 03/24/2026 | Resolved | XXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 03/24/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000121867 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | VA | ATR/QM: Exempt | Closed | 04/01/2026 | Resolved | XXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 04/01/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000121871 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | TX | ATR/QM: Exempt | Closed | 04/01/2026 | Resolved | XXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 04/01/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000119008 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | HI | ATR/QM: Exempt | Closed | 04/02/2026 | Resolved | XXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 04/02/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000120536 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NJ | ATR/QM: Exempt | Closed | 04/03/2026 | Resolved | XXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 04/03/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000121866 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | TX | ATR/QM: Exempt | Closed | 04/06/2026 | Resolved | XXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 04/06/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000118547 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | ATR/QM: Exempt | Closed | 04/06/2026 | Resolved | XXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 04/06/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000123253 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | OR | ATR/QM: Exempt | Closed | 04/06/2026 | Resolved | XXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 04/06/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000123426 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NM | ATR/QM: Exempt | Closed | 04/07/2026 | Resolved | XXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 04/07/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000121872 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | ATR/QM: Exempt | Closed | 04/10/2026 | Resolved | XXX | Property | Market Rent - Missing or Defective | Missing XXX for XXX(ADU) | XXX: Uploaded | XXX: Received | 04/13/2026 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000121872 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | ATR/QM: Exempt | Closed | 04/10/2026 | Resolved | XXX | Credit | Title Insurance Missing or Defective | Missing Title Insurance Policy | XXX: Uploaded | XXX: Received | 04/13/2026 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000124352 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | SC | ATR/QM: Exempt | Closed | 04/09/2026 | Resolved | XXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 04/09/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000123125 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MN | ATR/QM: Exempt | Closed | 04/10/2026 | Resolved | XXX | Credit | Hazard Insurance Missing or Defective | Hazard Insurance on file does not include Loss of Use/Fair Rental Value. Please provide updated policy. | XXX: Uploaded | XXX: Received | 04/15/2026 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000120537 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MA | ATR/QM: Exempt | Closed | 04/14/2026 | Resolved | XXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 04/14/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000124287 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | VA | ATR/QM: Exempt | Closed | 04/14/2026 | Resolved | XXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 04/14/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000123126 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | IL | ATR/QM: Exempt | Closed | 04/15/2026 | Resolved | XXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 04/15/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000123126 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | ATR/QM: Exempt | Closed | 04/20/2026 | Resolved | XXX | Credit | Title Insurance Coverage - Inadequate Coverage | Title Insurance Coverage of XXX < XXX Minimum required | XXX: Uploaded | XXX: Received | 04/21/2026 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000123126 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CA | ATR/QM: Exempt | Closed | 04/20/2026 | Resolved | XXX | Credit | Significant Derogatory Credit Event – Requirement Not Met | Pre-Foreclosure dated XX/XX/XXXX | XXX: Uploaded | XXX: Received | 04/28/2026 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000123732 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MS | ATR/QM: Exempt | Closed | 04/21/2026 | Resolved | XXX | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED From XXX to XXX | XXX: Uploaded | XXX: Received | 04/21/2026 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000123252 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | AZ | ATR/QM: Exempt | Closed | 04/21/2026 | Resolved | XXX | Credit | Hazard Insurance Missing or Defective | Hazard Insurance Coverage of XXX < XXX Minimum Required | XXX: Uploaded | XXX: Received | 04/22/2026 | D | A | C | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000123252 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | AZ | ATR/QM: Exempt | Closed | 04/21/2026 | Resolved | XXX | Credit | Asset Documentation Missing or Defective | Missing Operating Agreement for XXX to verify funds in XXX account XXX. | XXX: Uploaded | XXX: Received | 04/29/2026 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000122140 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NC | ATR/QM: Exempt | Closed | 04/21/2026 | Resolved | XXX | Credit | Deed Missing or Defective | Missing Evidence of Deed. | XXX: Uploaded | XXX: Received | 04/29/2026 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000122140 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NC | ATR/QM: Exempt | Closed | 04/21/2026 | Resolved | XXX | Credit | Hazard Insurance Missing or Defective | Hazard Insurance on file is Missing Policy Number. Please provide updated HOI. | XXX: Uploaded | XXX: Received | 04/28/2026 | D | A | C | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000124172 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | HI | ATR/QM: Exempt | Closed | 04/22/2026 | Resolved | XXX | Credit | Title Insurance Missing or Defective | Preliminary Title Insurance on file does not reflect the lending entity - XXX XXX or the Proposed Amount of Coverage. Please provide updated Title/Supplemental Title. | XXX: Uploaded | XXX: Received | 05/01/2026 | D | A | C | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000124172 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | HI | ATR/QM: Exempt | Closed | 04/22/2026 | Resolved | XXX | Credit | Asset Documentation Missing or Defective | Missing Operating Agreement for XXX to verify funds in XXX account XXX | XXX: Business docs uploaded | XXX: Business docs received | 05/05/2026 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000124356 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | GA | ATR/QM: Exempt | Closed | 04/23/2026 | Resolved | XXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 04/23/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000124355 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | GA | ATR/QM: Exempt | Closed | 04/24/2026 | Resolved | XXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 04/24/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000124354 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | GA | ATR/QM: Exempt | Closed | 04/24/2026 | Resolved | XXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 04/24/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000124353 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | GA | ATR/QM: Exempt | Closed | 04/24/2026 | Resolved | XXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 04/24/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000124636 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | GA | ATR/QM: Exempt | Closed | 04/24/2026 | Resolved | XXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 04/24/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000125491 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | TX | ATR/QM: Exempt | Closed | 04/24/2026 | Resolved | XXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 04/24/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000126840 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | ATR/QM: Exempt | Closed | 04/24/2026 | Resolved | XXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 04/24/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000125294 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | AZ | ATR/QM: Exempt | Closed | 04/28/2026 | Resolved | XXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 04/28/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000124039 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NV | ATR/QM: Exempt | Closed | 04/28/2026 | Resolved | XXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 04/28/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000124357 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | GA | ATR/QM: Exempt | Closed | 04/29/2026 | Resolved | XXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 04/29/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000121868 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NJ | ATR/QM: Exempt | Closed | 05/07/2026 | Resolved | XXX | Credit | Deed Missing or Defective | Missing Evidence of Deed. | XXX: Deed uploaded | XXX: Deed received | 05/12/2026 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000126658 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | TX | ATR/QM: Exempt | Closed | 05/07/2026 | Resolved | XXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 05/07/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000127140 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | OR | ATR/QM: Exempt | Closed | 05/08/2026 | Resolved | XXX | Credit | Guarantor Identification Missing or Defective | Missing Borrower ID for XXX | XXX: POA ID uploaded | XXX: POA ID received | 05/12/2026 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000127140 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | OR | ATR/QM: Exempt | Closed | 05/08/2026 | Resolved | XXX | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX to XXX | XXX: Deed Uploaded | XXX: Deed Received | 05/15/2026 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000125492 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | HI | ATR/QM: Exempt | Closed | 05/08/2026 | Resolved | XXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 05/08/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000127139 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | TX | ATR/QM: Exempt | Closed | 05/08/2026 | Resolved | XXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 05/08/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000126892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NJ | ATR/QM: Exempt | Closed | 05/14/2026 | Resolved | XXX | Credit | Significant Derogatory Credit Event – Requirement Not Met | Pre-Foreclosure dated XX/XX/XXXX | XXX: Credit supplement uploaded | XXX: Credit supplement received | 05/18/2026 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000126892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NJ | ATR/QM: Exempt | Closed | 05/14/2026 | Resolved | XXX | Credit | Title Insurance Coverage - Inadequate Coverage | Title Insurance Coverage of XXX < XXX Minimum required | XXX: Title Uploaded | XXX: Title Received | 05/20/2026 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000127486 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | AZ | ATR/QM: Exempt | Closed | 05/14/2026 | Resolved | XXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 05/14/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000127288 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | AZ | ATR/QM: Exempt | Closed | 05/14/2026 | Resolved | XXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 05/14/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000127941 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | PA | ATR/QM: Exempt | Closed | 05/14/2026 | Resolved | XXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 05/14/2026 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000119331 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | WA | ATR/QM: Exempt | Closed | 05/20/2026 | Resolved | XXX | Credit | Title Insurance Coverage - Inadequate Coverage | Title Insurance Coverage of XXX < XXX Minimum Required | XXX: Title Uploaded | XXX: Title Received | 05/26/2026 | C | A | A | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000119331 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | WA | ATR/QM: Exempt | Closed | 05/20/2026 | Resolved | XXX | Credit | Hazard Insurance Missing or Defective | Hazard Insurance on file does not include Loss of Use/Fair Rental Value. Please provide updated policy. | XXX: Policy uploaded | XXX: Policy received | 05/22/2026 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000128174 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NY | ATR/QM Exempt | Loan Review Complete | 04/27/2026 | Resolved | XXX | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX, as Co-Trustees of the XXX Family Trust to XXX | XXX: Deed uploaded | 4/28/2026 | XXX: Received Deed | 04/28/2026 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000074117 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MD | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | CLOSING DISCLOSURE/SETTLEMENT STATEMENT MISSING OR DEFECTIVE | MISSING PRELIMINARY HUD | XXX: RECEIVED | 04/23/2025 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000074117 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MD | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | NO FINDINGS | The loan meets all applicable guidelines | D | A | A | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000101194 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NC | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | TITLE INSURANCE COVERAGE - INADEQUATE COVERAGE | XXX TITLE INSURANCE COVERAGE < XXX MINIMUM INSURANCE REQUIRED | XXX: RECEIVED | 11/11/2025 | D | A | C | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000101194 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NC | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | RELEASE OF LIEN/SUBORDINATION AGREEMENT/SATISFACTION MISSING OR DEFECTIVE | MISSING PAYOFF StateMENT | XXX: PROVIDED COMMITMENT REFLECTS A RELEASE OF DOT REQUIREMENT. SEE ITEM XXX OF schedule B Part I | 11/11/2025 | XXX: RECEIVED | 11/21/2025 | D | A | C | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000101194 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NC | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | VERIFICATION OR MORTGAGE MISSING OR DEFECTIVE | MISSING VERIFICATION OF MORTGAGE | XXX: PROVIDED COMMITMENT REFLECTS A RELEASE OF DOT REQUIREMENT. SEE ITEM XXX OF schedule B Part I | 11/11/2025 | XXX: RECEIVED | 11/21/2025 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000101194 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NC | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | ACH MISSING OR DEFECTIVE | MISSING ACH AUTHORIZATION FORM | XXX: RECEIVED | 12/03/2025 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000101194 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | NC | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | W-9 MISSING OR DEFECTIVE | MISSING FORM W-XXX | XXX: RECEIVED | 12/03/2025 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000122217 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | LOAN APPLICATION MISSING OR DEFECTIVE | MISSING LOAN APPLICATION OR TERM SHEET. PROVIDED TERM SHEET IS NOT EXECUTED | UPLOADED | XXX: RECEIVED | 03/24/2026 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000122164 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MD | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | VERIFICATION OR MORTGAGE MISSING OR DEFECTIVE | MISSING VERIFICATION OF MORTGAGE | UPLOADED | XXX: RECEIVED | 03/25/2026 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000122164 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MD | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | CLOSING PROTECTION LETTER MISSING OR DEFECTIVE | MISSING CLOSING PROTECTION LETTER | UPLOADED | XXX: RECEIVED | 03/25/2026 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000122164 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MD | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | PAYOFF STATEMENT MISSING OR DEFECTIVE | MISSING PAYOFF StateMENT | UPLOADED | XXX: RECEIVED | 04/01/2026 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000123741 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | GA | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | LOAN APPLICATION MISSING OR DEFECTIVE | MISSING LOAN APPLICATION OR TERM SHEET | XXX: RECEIVED | 04/01/2026 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000123741 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | GA | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | CLOSING DISCLOSURE/SETTLEMENT STATEMENT MISSING OR DEFECTIVE | ESTIMATED SETTLEMENT StateMENT REFLECTS A LOAN AMOUNT OF $XXX; DATA TAPE REFLECTS A LOAN AMOUNT OF XXX | XXX: RECEIVED | 04/02/2026 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000123741 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | GA | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | PROPERTY | APPRAISAL REVIEW - MISSING | MISSING APPRAISAL REVIEW | XXX: RECEIVED | 04/01/2026 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000123741 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | GA | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | PROPERTY | FLOOD CERT OR EVIDENCE NOT IN A FLOOD ZONE MISSING | MISSING FLOOD CERTIFICATE WITH LIFE OF LOAN DETERMINATION | XXX: RECEIVED | 04/01/2026 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000123741 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | GA | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | PROPERTY | HAZARD INSURANCE MISSING OR DEFECTIVE | MISSING HAZARD INSURANCE | XXX: RECEIVED | 04/01/2026 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000123741 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | GA | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | CLOSING PROTECTION LETTER MISSING OR DEFECTIVE | MISSING CLOSING PROTECTION LETTER | XXX: RECEIVED | 04/01/2026 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000123741 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | GA | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | PAYOFF STATEMENT MISSING OR DEFECTIVE | MISSING PAYOFF StateMENT | XXX: RECEIVED | 04/06/2026 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000123741 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | GA | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | VERIFICATION OR MORTGAGE MISSING OR DEFECTIVE | MISSING VERIFICATION OF MORTGAGE WITH XXX-MONTH RECENT MORTGAGE PAYMENT HISTORY; PAYMENT HISTORY IN FILE IS DATED XX/XX/XXXX - XX/XX/XXXX. NEED TRANSACTION HISTORY DATED THROUGH XX/XX/XXXX | XXX: RECEIVED | 04/06/2026 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000123741 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | GA | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | ASSET DOCUMENTATION MISSING OR DEFECTIVE | MISSING MOST RECENT BANK StateMENT FOR ACCT# XXX; BANK StateMENT IN FILE IS DATED XX/XX/XXXX. | XXX: RECEIVED | 04/01/2026 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000123485 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CO | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESCINDED | XXX | CREDIT | RELEASE OF LIEN/SUBORDINATION AGREEMENT/SATISFACTION MISSING OR DEFECTIVE | MISSING EVIDENCE OF SATISFACTION OR RELEASE : TO SATISFY SCHEDULE B ITEM NO. XXX TO XXX IN PROVIDED TITLE COMMITMENT | D | A | A | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000123485 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CO | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | CLOSING DISCLOSURE/SETTLEMENT STATEMENT MISSING OR DEFECTIVE | PROVIDED PRELIM HUD OMITS PAYOFF. PROVIDE UPDATED SETTLEMENT StateMENT | XXX: RECEIVED UPDATED PRELIM HUD | 04/24/2026 | D | A | C | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000123485 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CO | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | PROPERTY | APPRAISAL REVIEW - MISSING | MISSING APPRAISAL REVIEW | XXX: RECEIVED | 04/02/2026 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000123485 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CO | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | PAYOFF STATEMENT MISSING OR DEFECTIVE | MISSING PAYOFF StateMENT | XXX: RECEIVED | 04/24/2026 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000123753 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MO | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | CLOSING DISCLOSURE/SETTLEMENT STATEMENT MISSING OR DEFECTIVE | MISSING PRELIMINARY HUD | UPLOADED | XXX: RECEIVED | 04/06/2026 | D | A | D | A | D | A | C | A | N/A | N/A | D | D | C | N/A | D | D | C | N/A | D | D | C | N/A | D | D | C | N/A | D | D | C | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000123753 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MO | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | PROPERTY | APPRAISAL MISSING OR DEFECTIVE | SUBJECT PROPERTY IS VACANT; APPRAISAL REFLECTS RECENT RENOVATIONS; THE LOAN FILE DOES NOT CONTAIN THE INTENTION OF THE SUBJECT PROPERTY BEING RENTED OUT SOON. | UPLOADED | XXX: RECEIVED | 04/07/2026 | D | A | C | A | D | A | C | A | N/A | N/A | D | D | C | N/A | D | D | C | N/A | D | D | C | N/A | D | D | C | N/A | D | D | C | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000125695 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MD | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | ENTITY DOCUMENTATION - MISSING OR DEFECTIVE | MISSING ARTICLES OF INCORPORATION | XXX: RECEIVED | 04/23/2026 | C | A | C | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000125695 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MD | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESCINDED | XXX | CREDIT | SIGNIFICANT DEROGATORY CREDIT EVENT – REQUIREMENT NOT MET | POTENTIAL XXX - XXX TO XXX WITH DESCRIPTION: XXX OPERATION | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000125692 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MD | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESCINDED | XXX | CREDIT | DATA TAPE MISSING OR DEFECTIVE | DSCR DISCREPANCY: DATA TAPE REFLECST ANNUAL TAXES OF XXX ; TITLE COMMITMENT REFLECTS ANNUAL TAXES OF XXX | D | A | A | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000125692 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MD | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | LOAN APPLICATION MISSING OR DEFECTIVE | MISSING LOAN APPLICATION OR TERM SHEET | UPLOADED | RECEIVED | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000125692 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MD | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | ENTITY DOCUMENTATION - MISSING OR DEFECTIVE | MISSING OPERATING AGREEMENT | NOT REQUIRED | RECEIVED CLIENT RESPONSE | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000125688 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | OH | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESCINDED | XXX | PROPERTY | APPRAISAL REVIEW - MISSING | MISSING APPRAISAL REVIEW | UPLOADED | D | A | A | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000125688 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | OH | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | INELIGBLE TENANT OCCUPANCY | APPRAISAL REFLECTS VACANT; LEASE AGREEMENT NOT IN FILE | UPLOADED LOE | RECEIVED LOE | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000125688 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | OH | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | CLOSING DISCLOSURE/SETTLEMENT STATEMENT MISSING OR DEFECTIVE | PROVIDED PRELIMINARY HUD DOES NOT MATCH THE LOAN AMOUNT. | UPLOADED | RECEIVED | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000125688 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | OH | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | TITLE INSURANCE COVERAGE - INADEQUATE COVERAGE | XXX TITLE INSURANCE COVERAGE < XXX MINIMUM INSURANCE REQUIRED | UPLOADED | RECEIVED | D | A | C | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000125890 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MD | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | ENTITY DOCUMENTATION - MISSING OR DEFECTIVE | MISSING OPERATING AGREEMENT | XXX: OA NOT REQ IN MD | 04/24/2026 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000125890 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MD | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | DATA TAPE MISSING OR DEFECTIVE | DSCR DISCREPANCY: DATA TAPE REFLECST ANNUAL TAXES OF XXX ; TITLE COMMITMENT REFLECTS ANNUAL TAXES OF XXX | XXX: RECEIVED UPDATED TAPE | 04/24/2026 | D | A | C | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000126348 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | TX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | PROPERTY | APPRAISAL REVIEW - MISSING | MISSING APPRAISAL REVIEW | XXX: RECEIVED | 04/27/2026 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000126348 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | TX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | MARKET RENT - MISSING OR DEFECTIVE | MISSING RENT REVIEW | XXX: RECEIVED | 04/27/2026 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000126348 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | TX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | CLOSING DISCLOSURE/SETTLEMENT STATEMENT MISSING OR DEFECTIVE | PROVIDED PRELIMINARY HUD DOES NOT MATCH THE LOAN AMOUNT. | XXX: RECEIVED | 04/27/2026 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000127157 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MD | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | TAX CERTIFICATE MISSING OR DEFECTIVE | MISSING TAX CERTIFICATE | RECEIVED | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000125688 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | OH | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | LOAN AGREEMENT MISSING OR DEFECTIVE | MISSING LENDER-SIGNED LOAN AGREEMENT. PROVIDED LOAN AGREEMENT IS NOT SIGNED BY LENDER | Received | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000127491 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | FL | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | NO FINDINGS | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000126348 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | TX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | LOAN AGREEMENT MISSING OR DEFECTIVE | MISSING LENDER-SIGNED LOAN AGREEMENT. PROVIDED LOAN AGREEMENT IS NOT SIGNED BY LENDER | Received | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000127978 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | TX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | NO FINDINGS | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000125692 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MD | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | W-9 MISSING OR DEFECTIVE | MISSING FORM W-XXX | RECEIVED | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000128229 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | SC | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | CLOSING DISCLOSURE/SETTLEMENT STATEMENT MISSING OR DEFECTIVE | MISSING PRELIMINARY HUD | RECEIVED | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000123485 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | CO | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESCINDED | XXX | CREDIT | ASSET DOCUMENTATION MISSING OR DEFECTIVE | XXX LIQUIDITY < XXX MINIMUM REQUIRED. | D | A | A | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000129054 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | MD | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | ENTITY DOCUMENTATION - MISSING OR DEFECTIVE | MISSING OPERATING AGREEMENT FOR XXX | Received | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000127978 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | TX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESCINDED | XXX | CREDIT | LOAN AGREEMENT MISSING OR DEFECTIVE | MISSING LOAN AGREEMENT | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000130104 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | TN | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | CLOSING DISCLOSURE/SETTLEMENT STATEMENT MISSING OR DEFECTIVE | PROVIDED PRELIMINARY HUD DOES NOT MATCH THE LOAN AMOUNT. | Uploaded | Received | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000130104 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | TN | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | PROPERTY | APPRAISAL REVIEW - MISSING | MISSING APPRAISAL REVIEW FOR PROPERTY: XXX | Uploaded | Received | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000130104 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | TN | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 07/02/2026 | RESOLVED | XXX | CREDIT | TITLE INSURANCE COVERAGE - INADEQUATE COVERAGE | XXX TITLE INSURANCE COVERAGE < XXX MINIMUM INSURANCE REQUIRED | Uploaded | Received | D | A | C | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A |