MORGAN STANLEY CAPITAL I INC. ABS-15G
Exhibit 99.5 - Schedule 1
| 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) |
| 10220340 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/31/2026 | Resolved | XXXXX | 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 | |||||
| 10220395 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/31/2026 | Resolved | XXXXX | 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 | |||||
| 10220484 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/01/2026 | Resolved | XXXXX | 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 | |||||
| 10220361 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/02/2026 | Resolved | XXXXX | Property | Appraisal Review - Missing | Missing appraisal review for subject: XXX | XXX: CU score uploaded | 4/7/2026 | XXX: Received CU score | 04/07/2026 | 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 | |
| 10161248 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/03/2026 | Resolved | XXXXX | Credit | Title Insurance Coverage - Inadequate Coverage | XXX Title Insurance coverage < XXX minimum coverage required. Plesae provide update Title Insurance | XXX: Title Insurance Uploaded | 4/13/2026 | XXX: Received Title Insurance | 04/13/2026 | 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 | |
| 10220455 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/06/2026 | Resolved | XXXXX | 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 | |||||
| 10220349 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/05/2026 | Resolved | XXXXX | Credit | Background Check Missing or Defective | Missing Background Report for: XXX | XXX: Fraud Uploaded | 4/10/2026 | XXX: Received Fraud | 04/10/2026 | 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 | |
| 10220500 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/05/2026 | Resolved | XXXXX | 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 | |||||
| 10250642 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/05/2026 | Resolved | XXXXX | Credit | Security Instrument Missing or Defective | Missing Security Instrument for: XXX | XXX: DOT uploaded | 4/10/2026 | XXX: Received DOT | 04/10/2026 | 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 | |
| 10220581 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/05/2026 | Resolved | XXXXX | 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 | |||||
| 10220359 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/05/2026 | Resolved | XXXXX | 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 | |||||
| 10220420 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/05/2026 | Resolved | XXXXX | 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 | |||||
| 10250669 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/05/2026 | Resolved | XXXXX | Property | Desk Review Variance > XXX% | Appraisal Review variance of XXX% > XXX% maximum allowed. | XXX: BPO for review | 4/14/2026 | XXX: BPO RECEIVED | 04/14/2026 | 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 | |
| 10220564 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/08/2026 | Resolved | XXXXX | 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 | |||||
| 10220368 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/08/2026 | Resolved | XXXXX | 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 | |||||
| 10220381 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/08/2026 | Resolved | XXXXX | 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 | |||||
| 10220488 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/08/2026 | Resolved | XXXXX | 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 | |||||
| 10220378 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/08/2026 | Resolved | XXXXX | 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 | |||||
| 10220437 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/08/2026 | Resolved | XXXXX | Credit | Closing Documentation Missing or Defective | Missing Closing Package Documents: Note, Prepayment, Mortgage / DOT, Closing Disclosure / Settlement Statement, riders and addendums for: XXX | XXX: signed closing documents | 4/10/2026 | XXX: Closing package received | 04/13/2026 | 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 | |
| 10220579 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/08/2026 | Resolved | XXXXX | Credit | Closing Documentation Missing or Defective | Missing Closing Package Documents: Note, Prepayment, Mortgage / DOT, Closing Disclosure / Settlement Statement, riders and addendums for: XXX | XXX: SIGNED CLOSING DOCUMENTS | 4/10/2026 | XXX: Signed documents received | 04/13/2026 | 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 | |
| 10161308 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/09/2026 | Resolved | XXXXX | 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 | |||||
| 10220442 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/10/2026 | Resolved | XXXXX | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX to XXX. | XXX: Deed | 4/14/2026 | XXX: Deed received | 04/14/2026 | 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 | |
| 10250625 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/10/2026 | Resolved | XXXXX | Credit | Insufficient Assets to Close | XXX assets < XXX minimum required to for cash to close and reserve requirements | XXX: Assets | 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 | |
| 10220354 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/10/2026 | Resolved | XXXXX | 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 | |||||
| 10220457 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/13/2026 | Resolved | XXXXX | 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 | |||||
| 10161309 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/13/2026 | Resolved | XXXXX | 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 | |||||
| 10250665 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/14/2026 | Resolved | XXXXX | 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 | |||||
| 10250666 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/14/2026 | Resolved | XXXXX | 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 | |||||
| 10161295 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/15/2026 | Resolved | XXXXX | Credit | Title Insurance Coverage - Inadequate Coverage | XXX Title coverage < XXX minimum coverage required. Please provide updated title commitment | XXX: Title uploaded | 4/17/2026 | XXX: Title received | 04/17/2026 | 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 | |
| 10220425 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/15/2026 | Resolved | XXXXX | 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 | |||||
| 10161295 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/15/2026 | Acknowledged | XXXXX | Property | Ineligible Property | Rural property is ineligible per Investor DSCR program | XXX: Waiver in file | 4/15/2026 | XXX: waiver received | 04/15/2026 | Fico XXX VOR/VOM XXX in XXX months | 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 |
| 10220401 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/16/2026 | Resolved | XXXXX | 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 | |||||
| 10250671 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/16/2026 | Resolved | XXXXX | 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 | |||||
| 10220317 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/16/2026 | Resolved | XXXXX | Credit | Closing Documentation Missing or Defective | Missing Closing Package Documents: Note, Prepayment, Mortgage / DOT, Closing Disclosure / Settlement Statement, riders and addendums for: XXX | XXX: Signed Closing Documents | 4/20/2026 | XXX: Signed Closing Documents received | 04/20/2026 | 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 | |
| 10220483 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/21/2026 | Resolved | XXXXX | 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 | |||||
| 10250643 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/23/2026 | Resolved | XXXXX | 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 | |||||
| 10250645 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/24/2026 | Resolved | XXXXX | Credit | Credit Report Missing or Defective | Missing Credit Report for: XXX | XXX: Credit Report Uploaded | 4/28/2026 | XXX: Received Credit Report | 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 | |
| 10250658 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/24/2026 | Resolved | XXXXX | Credit | DSCR Minimum Not Met | 75% LTV > 70% LTV limit for a cash-out refinance with a DSCR of XXX on the Investor DSCR Program | XXX: Please see attached used XXX plus the ADU of XXX | 5/12/2026 | XXX: Received clarification | 05/13/2026 | 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 | |
| 10220390 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/24/2026 | Resolved | XXXXX | 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 | |||||
| 10220454 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/24/2026 | Resolved | XXXXX | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX 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 | |
| 10250637 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/24/2026 | Resolved | XXXXX | 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 | |||||
| 10110075 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/24/2026 | Resolved | XXXXX | 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 | |||||
| 10220538 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/24/2026 | Resolved | XXXXX | 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 | |||||
| 10250600 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/24/2026 | Resolved | XXXXX | 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 | |||||
| 10250663 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/27/2026 | Resolved | XXXXX | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX to XXX | XXX: Deed uploaded | 4/29/2026 | XXX: Deed 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 | |
| 10250647 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/28/2026 | Resolved | XXXXX | 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 | |||||
| 10220532 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/28/2026 | Resolved | XXXXX | 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 | |||||
| 10250654 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/01/2026 | Resolved | XXXXX | 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 | |||||
| 10287894 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/05/2026 | Resolved | XXXXX | Property | Ineligible Property | Vacant Refinance is ineligible per guides, please provide proof of rental listing | XXX: Lease uploaded | 5/12/2026 | XXX: Received Lease | 05/12/2026 | 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 | |
| 10250644 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/07/2026 | Resolved | XXXXX | Credit | Note Missing or Defective | Missing prepayment addendum, Closing Disclosure reflects a XXX. Please upload or clarify. | XXX: PPP uploaded | 5/11/2026 | XXX: Received PPP | 05/11/2026 | 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 | |
| 10287824 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/07/2026 | Resolved | XXXXX | 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 | |||||
| 10220394 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/07/2026 | Resolved | XXXXX | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX to XXX | XXX: Deed uploaded | 5/11/2026 | XXX: Received Deed | 05/11/2026 | 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 | |
| 10250634 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/07/2026 | Resolved | XXXXX | 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 | |||||
| 10220453 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/07/2026 | Resolved | XXXXX | 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 | |||||
| 10250673 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/08/2026 | Resolved | XXXXX | 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 | |||||
| 10250639 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/11/2026 | Resolved | XXXXX | 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 | |||||
| 10220452 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/12/2026 | Resolved | XXXXX | 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 | |||||
| 10250662 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/12/2026 | Resolved | XXXXX | 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 | |||||
| 10287865 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/14/2026 | Resolved | XXXXX | 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 | |||||
| 10250648 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/15/2026 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines. | XXX: Exception waiver | 05/19/2026 | XXX months reserves greater than program requirement, FICO XXX points greater than program requirement, VOR/VOM XXX | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 10220541 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/18/2026 | Resolved | XXXXX | 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 | |||||
| 10220586 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 05/29/2026 | Resolved | XXXXX | Credit | Title Insurance Missing or Defective | Provided Preliminary Title is missing coverage amount and Lender's name with XXX. Please provide updated Title Insurance or Title supplement. | XXX: Title uploaded | 6/2/2026 | XXX: Received Title | 06/02/2026 | 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 | |
| 10287846 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/02/2026 | Resolved | XXXXX | Property | Ineligible Property | Vacant Refinance is ineligible per guides, please provide proof of rental listing or lease agreement | XXX: Lease uploaded | 6/4/2026 | XXX: Received Lease | 06/04/2026 | 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 | |
| 10323548 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/09/2026 | Resolved | XXXXX | 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 | |||||
| 10287843 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/09/2026 | Resolved | XXXXX | 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 | |||||
| 10287866 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/11/2026 | Resolved | XXXXX | 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 | |||||
| 10323500 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/11/2026 | Resolved | XXXXX | 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 | |||||
| 10323507 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/12/2026 | Resolved | XXXXX | 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 | |||||
| 10287859 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/15/2026 | Resolved | XXXXX | 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 | |||||
| 10220351 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/11/2025 | Resolved | XXXXX | 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 | |||||
| 10161210 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/04/2026 | Resolved | XXXXX | 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 | |||||
| 10250657 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/10/2026 | Resolved | XXXXX | Property | Ineligible Property | All refinance transactions require the property to be leased. The subject property at XXX is currently vacant. Please provide a lease agreement or evidence that the property is listed for rent. | XXX: Rental listing | 3/11/2026 | XXX: Rental listing received | 03/11/2026 | 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 | |
| 10161262 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/13/2026 | Resolved | XXXXX | 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 | |||||
| 10161252 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/18/2026 | Resolved | XXXXX | 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 | |||||
| 10161249 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/20/2026 | Resolved | XXXXX | Credit | Subject Property Lease - Missing or Defective | Missing Lease agreement for subject: XXX | XXX: Lease | 4/17/2026 | XXX: Lease received | 04/17/2026 | 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 | |
| 10220422 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/23/2026 | Resolved | XXXXX | 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 | |||||
| 10161326 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/24/2026 | Resolved | XXXXX | 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 | |||||
| 10161296 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/24/2026 | Resolved | XXXXX | 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 | |||||
| 10161254 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/25/2026 | Acknowledged | XXXXX | Credit | Insufficient Assets to Close | XXX Assets < XXX minimum liquidity required for XXX months' reserves. Please provide additional assets. | XXX: Exception waiver to accept XXX mos reserves | 4/1/2026 | XXX: Exception waiver received | 04/01/2026 | VOR XXX in XXX mos., DTI > than XXX% below the program requirement | C | B | C | B | C | B | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A |
| 10161260 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/26/2026 | Resolved | XXXXX | 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 | |||||
| 10220356 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/26/2026 | Resolved | XXXXX | 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 | |||||
| 10220424 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/31/2026 | Resolved | XXXXX | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX and XXX to XXX. Please provide the recorded Conveyance Deed evidencing transfer of title. | XXX: Deed | 4/1/2026 | XXX: Deed 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 | |
| 10220525 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/31/2026 | Resolved | XXXXX | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX and XXX to XXX. Please provide the recorded Conveyance Deed evidencing transfer of title. | XXX: Conveyance Deed | 4/1/2026 | XXX: Conveyance Deed uploaded | 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 | |
| 9979612 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 01/09/2026 | Resolved | XXXXX | Credit | Subject Property Lease - Missing or Defective | Missing valid lease for XXX. The current lease expired XX/XX/XXXX and the lease agreement doesn't indicate it will automatically convert to month-to-month. Please provide an updated lease agreement. | XXX: Received explanation | 1/19/2026 | XXX: Received explanation based on State laws regarding term lease conversions to XXX upon expiration | 01/19/2026 | D | B | C | A | D | B | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | |
| 9979612 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 01/09/2026 | Resolved | XXXXX | Credit | Excessive LTV Ratio | 71.25% LTV > XXX% Max LTV for a cash-out refinance when the property is vacant. | XXX: LOE uploaded | 1/16/2026 | XXX: LOE to support reason for vacancy uploaded | 01/16/2026 | D | B | C | A | D | B | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | |
| 10084925 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 02/06/2026 | Resolved | XXXXX | 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 | |||||
| 10090326 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/03/2026 | Resolved | XXXXX | Credit | Unacceptable Mortgage History | Missing evidence the borrower is an experienced investor, per program guideline requirements. No other mortgages are listed on the 1003 and it's also not referenced by the UW on the XXX | XXX: Explanation provided | 3/13/2026 | XXX: Explanation provided is supported with the documents in file | 03/13/2026 | 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 | |
| 10179330 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/05/2026 | Resolved | XXXXX | 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 | |||||
| 10179353 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/05/2026 | Resolved | XXXXX | 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 | |||||
| 10179369 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/05/2026 | Resolved | XXXXX | 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 | |||||
| 10179429 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/05/2026 | Resolved | XXXXX | 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 | |||||
| 10179419 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/06/2026 | Resolved | XXXXX | 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 | |||||
| 10179453 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/06/2026 | Resolved | XXXXX | Property | Subject Property Lease - Missing or Defective | Missing Lease Agreement for Subject Property: XXX | XXX: Lease Uploaded | 3/9/2026 | XXX: Received Lease | 03/09/2026 | 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 | |
| 10179442 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/09/2026 | Resolved | XXXXX | Credit | Subject Property Lease - Missing or Defective | Missing lease agreement for subject property: XXX. LTV is over XXX% and the appraisal reflects the property is occupied. | XXX: Uploaded Lease Agreement | 3/12/2026 | XXX: Received Lease Agreement | 03/12/2026 | 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 | |
| 10179465 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/09/2026 | Resolved | XXXXX | 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 | |||||
| 10179413 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/10/2026 | Resolved | XXXXX | 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 | |||||
| 10179364 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/10/2026 | Resolved | XXXXX | 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 | |||||
| 10179397 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/10/2026 | Resolved | XXXXX | Credit | Insufficient Assets for Reserves | XXX assets < XXX minimum liquidity required for cash to close and reserves. Please provide additional assets. | XXX: Received balance verification | 3/20/2026 | XXX: Received balance verification | 03/20/2026 | 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 | |
| 10179420 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/10/2026 | Resolved | XXXXX | 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 | |||||
| 10179463 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/16/2026 | Resolved | XXXXX | 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 | |||||
| 10179443 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/16/2026 | Resolved | XXXXX | Credit | Hazard Insurance Missing or Defective | Missing Hazard Insurance Policy for subject property: XXX | XXX: Hazard insurance | 3/18/2026 | XXX: Hazard insurance received | 03/18/2026 | 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 | |
| 10179417 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/19/2026 | Resolved | XXXXX | Credit | Subject Property Lease - Missing or Defective | Missing lease agreement and receipt of 1st months rent/security deposit for subject property: XXX. Per guides, since LTV is over XXX% a lease is required. | XXX: Uploaded Evidence of Rental Listing | 3/25/2026 | XXX: Received Evidence of Rental Listing | 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 | |
| 10179556 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/19/2026 | Resolved | XXXXX | 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 | |||||
| 10179440 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/19/2026 | Resolved | XXXXX | Credit | Hazard Insurance Missing or Defective | Hazard insurance effective date of XX/XX/XXXX is after loan disbursement date of XX/XX/XXXX. The currently policy appears to be a renewal, please provide evidence of the current policy. | XXX: Uploaded current HOI | 3/31/2026 | XXX: Received current HOI | 03/31/2026 | D | B | C | A | D | B | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | |
| 10179509 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/20/2026 | Resolved | XXXXX | 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 | |||||
| 10179524 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/20/2026 | Resolved | XXXXX | 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 | |||||
| 10179393 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/24/2026 | Resolved | XXXXX | Credit | Title Insurance Missing or Defective | Title supplement is missing XXX after the lender's name. Please provide an update. | XXX: Uploaded Title Supplement with XXX | 3/25/2026 | XXX: Received Title Supplement with XXX | 03/25/2026 | 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 | |
| 10179481 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/24/2026 | Resolved | XXXXX | 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 | |||||
| 10179408 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/25/2026 | Resolved | XXXXX | Credit | Title Insurance Coverage - Inadequate Coverage | XXX title coverage < XXX minimum coverage required. Please provide updated title policy as well as the lender's name and XXX | XXX: Title policy | 3/25/2026 | XXX: Title policy updated | 03/25/2026 | D | B | C | A | D | B | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | |
| 10179408 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/25/2026 | Acknowledged | XXXXX | Credit | Subject Property Lease - Missing or Defective | Missing lease agreements for all units. Per guidelines, leases are required when the LTV is over XXX% Please also provide an LOE for the vacant unit and proof it is being marketed for rent. | XXX: Lease agreements for XXX & XXX floor and Exception Waiver for 3rd floor | 4/17/2026 | XXX: Lease agreements for XXX & XXX floor and Exception Waiver for XXX floor | 04/17/2026 | DSCR > XXX C/O covers over XXX months of reserves, experienced investor, DSCR > XX/XX/XXXX | 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 |
| 10179411 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/26/2026 | Resolved | XXXXX | Credit | Title Insurance Coverage - Inadequate Coverage | XXX < XXX minimum coverage required. Please provide updated title policy as well as the lender's name and XXX | XXX: Title Insurance Uploaded | 3/30/2026 | XXX: Received Title Insurance | 03/30/2026 | 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 | |
| 10179520 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/27/2026 | Resolved | XXXXX | 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 | |||||
| 10318335 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/30/2026 | Resolved | XXXXX | 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 | |||||
| 10179474 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/02/2026 | Resolved | XXXXX | 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 | |||||
| 10179466 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/07/2026 | Resolved | XXXXX | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX to XXX | XXX: Conveyance Deed | 4/8/2026 | XXX: Conveyance Deed received | 04/08/2026 | 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 | |
| 10179466 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/07/2026 | Resolved | XXXXX | Credit | Security Instrument Missing or Defective | Missing Security Instrument and all necessary Riders | XXX: Security instrument uploaded | 6/1/2026 | XXX: Received security Instrument | 06/01/2026 | 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 | |
| 10179523 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/09/2026 | Resolved | XXXXX | 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 | |||||
| 9979415 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/17/2026 | Resolved | XXXXX | 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 | |||||
| 10286385 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 05/04/2026 | Resolved | XXXXX | 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 | |||||
| 10286406 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 05/11/2026 | Resolved | XXXXX | 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 | |||||
| 10286398 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 05/13/2026 | Resolved | XXXXX | 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 | |||||
| 10179382 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 05/14/2026 | Resolved | XXXXX | Credit | Asset Documentation Missing or Defective | Missing letter from XXX giving XXX full access to the funds in their joint XXX acct# XXX and XXX | XXX: Access LOE | 6/8/2026 | XXX: Access LOE received | 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 | |
| 10286402 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 05/13/2026 | Resolved | XXXXX | 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 | |||||
| 10179310 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 05/15/2026 | Acknowledged | XXXXX | Credit | Excessive LTV Ratio | 80.00% LTV > XXX% maximum LTV allowed for a Non-Permanent Resident XXX borrower. | XXX: Exception Waiver | 5/26/2026 | XXX: Exception Waiver received | 05/26/2026 | XXX mos reserves, FICO >XXX, Experienced Investor | C | B | C | B | C | B | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A |
| 10286382 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 05/18/2026 | Resolved | XXXXX | Credit | Title Insurance Coverage - Inadequate Coverage | Title coverage of XXX < XXX minimum required coverage. Please provide an updated title report or supplement. | XXX: Updated Title Commitment | 5/26/2026 | XXX: Updated Title Commitment | 05/26/2026 | 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 | |
| 10286383 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 05/19/2026 | Resolved | XXXXX | 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 | |||||
| 10333269 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 05/19/2026 | Resolved | XXXXX | 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 | |||||
| 10333267 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 05/19/2026 | Resolved | XXXXX | 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 | |||||
| 10286401 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 05/20/2026 | Resolved | XXXXX | 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 | |||||
| 10333262 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 05/20/2026 | Resolved | XXXXX | Credit | Subject Property Lease - Missing or Defective | Missing LOE for subject property vacancy: XXX | XXX: LOE uploaded | 6/11/2026 | XXX: LOE received | 06/11/2026 | 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 | |
| 10286391 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 05/20/2026 | Resolved | XXXXX | 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 | |||||
| 10286426 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 05/26/2026 | Resolved | XXXXX | 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 | |||||
| 10286425 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 05/26/2026 | Resolved | XXXXX | 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 | |||||
| 9979612 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 01/09/2026 | Acknowledged | XXXXX | Credit | Insufficient Assets for Reserves | Missing assets documentation to cover XXX months reserves. Cash out proceeds cannot be used due to borrower being inexperienced investor. | XXX: Exception waiver uploaded | 5/21/2026 | XXX: Received Exception Waiver | 05/21/2026 | DSCR XXX. C/O proceeds cover > XXX months of reserves, Housing history XXX | 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 |
| 10286408 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 05/26/2026 | Resolved | XXXXX | 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 | |||||
| 10286413 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 05/27/2026 | Resolved | XXXXX | Property | Hazard Insurance Missing or Defective | Hazard policy is missing lender's name and mortgagee clause: XXX | XXX: Updated Hazard Insurance | 5/29/2026 | XXX: Updated Hazard Insurance | 05/29/2026 | 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 | |
| 10286390 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 05/26/2026 | Resolved | XXXXX | Credit | Title Insurance Missing or Defective | Title Commitment is missing XXX after lenders name. | XXX: Title uploaded | 6/10/2026 | XXX: Received Title | 06/10/2026 | 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 | |
| 10286412 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 06/02/2026 | Resolved | XXXXX | 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 | |||||
| 10286407 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 06/04/2026 | Resolved | XXXXX | 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 | |||||
| 10286405 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 06/04/2026 | Resolved | XXXXX | 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 | |||||
| 10286422 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 06/08/2026 | Resolved | XXXXX | 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 | |||||
| 10286429 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 06/08/2026 | Resolved | XXXXX | 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 | |||||
| 10329043 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 06/09/2026 | Acknowledged | XXXXX | Property | Desk Review Variance > XXX% | Appraisal Review Variance of XXX% < XXX% Threshold. Appraisal reflects XXX while BPO reflects $XXX. | XXX: Automatic Waiver, BPO value used to qualify | 6/12/2026 | XXX: Automatic Waiver, BPO value used to qualify | 06/12/2026 | DSCR > XXX Qualifying FICO XXX mons reserves | 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 |
| 10333290 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 06/10/2026 | Resolved | XXXXX | Credit | Insufficient Assets to Close | XXX assets < XXX minimum required liquidity for cash to close and reserves. Please provide additional assets. | XXX: HUD from REO refi uploaded | 6/12/2026 | XXX: Received HUD from REO refinance | 06/12/2026 | 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 | |
| 10286414 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 06/12/2026 | Resolved | XXXXX | 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 | |||||
| 10179368 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 06/09/2026 | Resolved | XXXXX | 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 | |||||
| 10329052 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 06/12/2026 | Resolved | XXXXX | Property | Appraisal Review - Missing | Missing BPO for subject property: XXX | XXX: BPO uploaded | 6/15/2026 | XXX: BPO uploaded | 06/15/2026 | 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 | |
| 10286396 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 06/12/2026 | Resolved | XXXXX | 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 | |||||
| 10333314 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 06/16/2026 | Resolved | XXXXX | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX to XXX | XXX: Deed uploaded | 6/17/2026 | XXX: Deed received | 06/17/2026 | 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 | |
| 10286420 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 06/12/2026 | Resolved | XXXXX | 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 | |||||
| 10179440 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 07/16/2026 | Acknowledged | XXXXX | Credit | Insufficient Assets for Reserves | Missing assets to cover the required reserves of $XXX. | XXX: Exception Approval uploaded | 7/16/2026 | XXX: Exception Waiver received | 07/16/2026 | Experienced Investor, DSCR > XX/XX/XXXX | 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 |
| 10065743 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Complete | 12/23/2025 | Resolved | XXXXX | Credit | No Findings | The 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 | ||
| 10065798 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Complete | 01/08/2026 | Acknowledged | XXXXX | Property | Ineligible Property – Square Footage | Subject Property square footage is XXX square feet for Unit #XXX. Minimum square footage for XX/XX/XXXX units is XXX square feet per guidelines. | XX/XX/XXXX: Management waived with compensating factors XXX FICO, 65% LTV with max XXX% XXX | XXX: Waived | 01/21/2026 | XXX FICO, 65% LTV, XXX x XXX x XXX | 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 | |
| 10065767 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Complete | 01/08/2026 | Resolved | XXXXX | Credit | Title Insurance Coverage - Inadequate Coverage | Insufficient Title Coverage. Title Coverage: XXX < XXX Loan Amount. | XX/XX/XXXX: Uploaded | XXX: Clear | 02/05/2026 | D | B | C | A | D | B | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | ||
| 10065767 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Complete | 01/08/2026 | Acknowledged | XXXXX | Credit | Guaranty Missing or Defective | XXXXX (XXX% owner of XXX which owns XXX% of XXX) not guaranteeing. All loans should have executed personal guarantees by XXX% of the entity's ownership. | XX/XX/XXXX: Management waived with compensating factors XXX FICO, XXX | XXX: Waived | 01/21/2026 | XXX FICO, XXX x XXX x XXX 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 | |
| 10196872 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Complete | 02/23/2026 | Resolved | XXXXX | Property | Appraisal Missing or Defective | Missing third-party appraisal review for subject property : XXX | XX/XX/XXXX: Please see attach CDA | XXX: Received | 02/24/2026 | D | A | D | A | C | A | D | A | N/A | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 10196872 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Complete | 02/23/2026 | Resolved | XXXXX | Credit | Title Insurance Coverage - Inadequate Coverage | Title Coverage Insufficient, Title Coverage: XXX < XXX Loan Amount | XX/XX/XXXX: Please see attach updated Title | XXX: Received | 02/24/2026 | D | A | C | A | C | A | D | A | N/A | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 10220710 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/12/2026 | Resolved | XXXXX | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XXX: Uploaded | 3/17/2026 | XXX: Clear | 03/17/2026 | 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 | |
| 10268923 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/18/2026 | Resolved | XXXXX | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XXX: Uploaded | 3/23/2026 | XXX: Clear | 03/23/2026 | D | B | D | A | B | B | D | A | N/A | N/A | D | B | D | N/A | D | B | D | N/A | D | B | D | N/A | D | B | D | N/A | D | B | D | 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 | |
| 10268923 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/19/2026 | Acknowledged | XXXXX | Credit | Minimum Credit Trade Line Requirement Not Met | Credit Report for qualifying sponsor: XXX does not meet tradeline requirements | XXX: Exception waiver in file | 3/19/2026 | XXX: Waived | 03/19/2026 | XXX FICO, 65% LTV, XXX x XXX x XXX | D | B | B | B | B | B | D | A | N/A | N/A | D | B | D | N/A | D | B | D | N/A | D | B | D | N/A | D | B | D | N/A | D | B | D | 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 |
| 10268984 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/17/2026 | Resolved | XXXXX | Credit | No Findings | The loan meets all applicable guidelines. | XXX: Clear | 4/17/2026 | XXX: Clear | 04/17/2026 | 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 | |