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)
2026050295
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
XXX
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).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An 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). XXX Required.  Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund XXX, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to the addition of the Attorney Fee on the final CD dated XXX without valid XXX.
Document Uploaded. ; Document Uploaded. ; Document Uploaded.
XXX
Revised XXX and valid XXX provided, exception resolved.; Exception remains.  XXX provided for the XXX addition is dated XXX and was not disclosed to the borrower until XXX and does not meet timing requirements.; 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).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An 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).; No valid XXX was provided for the increase in attorney fee
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Borrower has stable job time - Borrower has XXX years on job.
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050295
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Borrower 1 3rd Party VOE Prior to Close Missing
Borrower 1 3rd Party VOE Prior to Close Missing The Lender requires a 3rd Party VOE dated within XXX calendar days from the closing. The most recent 3rd Party Verification is dated XXX. Please provide the required 3rd Party VOE dated within XXX calendars from XXX.
Document Uploaded.
XXX
Borrower 1 3rd Party XXX Prior to Close Was Provided
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Borrower has stable job time - Borrower has XXX years on job.
D
A
D
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050295
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Initial Closing Disclosure Delivery Date Test
This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX 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 XXX business days (counting all calendar days except XXX 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 XXX business days (counting all calendar days except XXX 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 XXX 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 XXX 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 XXX.
Document Uploaded.
XXX
Initial CD provided; exception resolved; Initial CD provided; exception resolved
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Borrower has stable job time - Borrower has XXX years on job.
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050295
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Missing Credit Score Disclosure (XXX)
Missing Credit Score Disclosure (XXX). Documentation required to clear exception:  Credit Score Disclosure (XXX)
Document Uploaded.
XXX
XXX Credit Score Disclosure is provided.
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Borrower has stable job time - Borrower has XXX years on job.
D
A
B
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050295
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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.
XXX
Required Affiliated Business Disclosure Documentation Provided.
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Borrower has stable job time - Borrower has XXX years on job.
D
A
B
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050295
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Borrower has stable job time - Borrower has XXX years on job.
D
A
A
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050024
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Rescinded
XXX
Credit
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
Provide verification of HOA payment for the property on XXX. If the property does not have an HOA payment, a signed statement from the borrower is required that states that there is no HOA payment.  The XXX report in the file reflects HOA Indicator is Unknown.
Document Uploaded.
XXX
LOE indicating no HOA on XXX in file on page XXX.  Condition rescinded.
XXX
  
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050024
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050024
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050257
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX 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
2026050257
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX 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
2026050257
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX 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
2026050101
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Curative
XXX
Resolved
XXX
Credit
No evidence of required debt payoff
Missing source of funds used to pay off XXX
Document Uploaded. ; Document Uploaded.
XXX
Documentation is sufficient. Payoff letter and new Note provided. Exception resolved.; The documentation provided does not reflect the payoff of XXX as reflected on the credit report.  Please provide the documentation to support XXX was paid in full and closed with the new XXX loan taken out by the spouse.  Thank you.
XXX
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050101
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Curative
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050101
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Curative
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050053
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Acknowledged
XXX
Credit
Purchase Contract is Expired
Missing addendum to sales contract extending the closing date
Document Uploaded. Per XXX agent, an extension was not signed. Uploaded XXX.
XXX
Missing addendum to sales contract extending the closing date, however, lender provided exception approval based on the following compensating factors waiving the exception: Qualifying Credit Score is XXX, XXX% (Housing), Borr with employer for XXX+ years, Reserves of XXX Months and Residual Income of $XXX.
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
D
B
C
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
2026050053
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Borrower 1 Business Tax Returns Missing
Borrower 1 Business Tax Returns Missing Missing XXX returns for XXX
Document Uploaded. Please see XXX uploaded from XXX.  She was involved with this loan during underwriting.  The XXX with the borrower selling his shares of XXX included the XXX and the LLC.  Borrower no longer owns the Inc or the LLC.; Document Uploaded. Please see LOX from underwriter.
XXX
Processor Cert, Underwriter Cert, and XXX Closing Summary, documents Borrower sold XXX.  Okay to accept documentation per management and Lender attestation that Borrower is no longer owner.  Condition cleared.; XXX information from the Government of the District of XXX dated XXX in file reflects the Borrower as the owner of XXX.  In addition, the XXX for XXX (XXX) are copy D's (employer copies), therefore, it appears the Borrower is an owner of XXX (XXX) and pays himself a W2.  Please provide XXX year's business tax returns and XXX for XXX of XXX (XXX).  Thank you.
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
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
2026050053
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
Missing proof of LOE for not HOI or HOA for XXX, and missing XXX is free and clear with no HOI, Missing proof of taxes and insurance for XXX
Document Uploaded. When you use the tax returns to calculate rental income, it's a snapshot in time. We are using rent from XXX and therefore using the taxes and ins from XXX as well to get the average monthly rent. I did verify  there are no HOA dues and therefore the tax returns are supported.  See upload.  Please accept the UW using all data from the tax returns for rent and debts for these XXX properties.; Document Uploaded. Uploaded tax, ins, hoa info for XXX.  For XXX and XXX, the UW used the info from the tax return schedule E - taxes and insurance info and all the XXX properties show there are no HOA dues.
XXX
XXX documentation received.  Lender approved utilizing XXX tax returns to document HOI and Taxes for XXX properties.  Condition cleared.; Thank you for providing the documentation for XXX.  Unfortunately, we cannot use XXX Schedule XXX to document taxes or insurance for XXX and XXX as those amounts are not current and could have increased in the past XXX years.  In addition,  HOA dues are not always included in Schedule E as an expense even when present.  Please provide current taxes and insurance for XXX  and HOI and HOA for XXX.  Thank you.
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
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
2026050053
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Income/Employment General
Loss for XXX was not included into the income calulation
See email from underwriter uploaded to other income finding.
XXX
Documentation is sufficient. LOE provided is acceptable. Exception resolved.; Document Uploaded.
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
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
2026050053
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
eSigned Documents Consent is Missing
The eSigned consent disclosure is missing. Documentation required to clear exception, The eSigned documents consent is missing.
Document Uploaded. Uploaded econsent form.
XXX
Evidence of eConsent is provided.
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
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
2026050053
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
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
2026050097
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050097
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050097
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050040
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Approval/Underwriting Summary Partially Provided
Approval/Underwriting Summary Partially Provided. Please provide an updated 1008/CRSE using the principal and interest qualified at the note rate per lender guidelines
Document Uploaded.
XXX
Approval/Underwriting Summary is fully present
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
B
A
B
A
B
A
A
A
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050040
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
XXX
XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A.  This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
B
A
A
A
B
A
A
A
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050040
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
B
A
A
A
B
A
A
A
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050090
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Asset XXX Missing
Asset XXX Missing. Please provide the final signed CD from the sale of the XXX and proof the funds from the sale primary have been transferred to the closing agent for the subject transaction.
Document Uploaded.
XXX
Final Settlement Statement for the sale of the XXX property received and reflects proceeds delivered to the XXX agent on the subject transaction and remainder to Borrowers.  Condition cleared.
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050090
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Purchase Contract is Expired
Please provide a signed Purchase Contract extension to XXX or longer.
Document Uploaded.
XXX
Amended XXX Instructions received reflecting contract extension to XXX.  Condition cleared.
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Borrower has stable job time - Borrower has XXX years on job.
D
A
C
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
2026050090
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050090
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050256
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Acknowledged
XXX
Property
HOA Does Not Meet Guidelines
Exception granted by lender: Guideline Max XXX% delinquency rate with HOA fees .
Actual: Actual XXX% Actual Delinquency
    
Exception granted by lender: Guideline Max XXX% delinquency rate with HOA fees . Actual: Actual XXX% Actual Delinquency
XXX
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
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
2026050256
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX 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
2026050004
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050004
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050004
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050029
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050029
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050029
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050122
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX 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
2026050122
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX 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
2026050122
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX 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
2026050060
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Overdraft/NSF Count Exceeds Tolerance
Overdraft/NSF count exceeds tolerance. The bank statements reflect there is XXX Overdraft/NSF. Per Lender Guidelines all Overdrafts/NSFs have to be reviewed for Acceptability. Neither the 1008 or the CRSE shows the Overdrafts/NSFs have been reviewed for Acceptability. Please provide documentation that supports Overdrafts/NSFs have been reviewed for Acceptability.
Document Uploaded.
XXX
Overdraft/NSF count within tolerance.; CRSE received confirming Overdraft/NSF count within tolerance. Condition cleared.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
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
2026050060
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
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
2026050060
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
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
2026050022
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
Missing proof of taxes, insurance and HOA payment for the property located on XXX. Please provide proof of taxes, insurance and HOA payment for the property on XXX. If there is not HOA payment a signed statement from the borrower is required that states there is no HOA payment.
Document Uploaded.
XXX
Evidence taxes and insurance are XXX and no HOA dues present for XXX property on XXX received.  Condition cleared.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
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
2026050022
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
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
2026050022
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
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
2026050109
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050109
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050109
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050254
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Cured
XXX
Compliance
XXX
This loan failed the XXX of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is before the XXX business day following consummation.The consumer may exercise the right to rescind until midnight of the XXX business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Documentation Required: The Right to Cancel dated XXX, which is before the signature date XXX.  Disbursement dated XXX;  Cancel by date XXX. Proof of actual disbursement date is required to resolve or a cure package requires a PCCD, LOE, New ROR providing XXX days right to cancel.
So why is the condition staying open? thank you; Document Uploaded.
XXX
Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
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
2026050254
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Initial Closing Disclosure Delivery Date Test
This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX 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 XXX business days (counting all calendar days except XXX 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 XXX business days (counting all calendar days except XXX 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 XXX business days before consummation. Documentation  Required. The initial CD is missing from loan file. The earliest CD in the file is dated XXX and signed at consummation. The violation can be cured  by providing the initial CD as well as evidence showing that it was received by the consumer XXX business days prior to consummation on XXX.
Document Uploaded.
XXX
Initial CD provided; exception resolved; Initial CD provided; exception resolved
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
C
B
C
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
2026050254
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
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
2026050254
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
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
2026050296
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
XXX
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).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An 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). XXX Required.  Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Loan Discount fee added on the XXX issued XXX. The loan file does not contain a valid XXX for the addition of the fee.
Document Uploaded.
XXX
Valid XXX provided; exception resolved ; Valid XXX provided; exception resolved
XXX
Borrower has stable job time - Borrower has XXX years on job.
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
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
2026050296
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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  1002.14(a)(1)). 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.  If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. 
 
 
Document Uploaded.
XXX
Evidence of appraisal delivery provided.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
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
2026050296
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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.
XXX
Required Affiliated Business Disclosure Documentation Provided.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
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
2026050296
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
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
2026050296
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
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
2026050253
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050253
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050253
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050106
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050106
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050106
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050034
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050034
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050034
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Higher-Priced Mortgage Loan Test
No Cure required.  XXX with established XXX and appraisal requirements met.  Exception downgraded to a XXX.  This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050140
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Rescinded
XXX
Credit
Missing VOM or VOR
Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing Verification of Rent (VOR)
Document Uploaded. Uploaded XXX bank statements showing $XXX rent paid each month to XXX.  The Fraud report confirms that is the owner of the borrower's current primary residence.
XXX
XXX months of rental payments reflected in bank statements in file.  Condition rescinded.
XXX
  
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050140
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Higher-Priced Mortgage Loan Test
This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required.  XXX with established XXX and appraisal requirements met.  Exception downgraded to a XXX.
 
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050140
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050099
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
The Final 1003 is Incomplete
The Final 1003 is Incomplete. The Borrower's business name and income amount reflected on the Final Loan Application was not the business used to qualify the Borrower. The Lender was initially going to qualify the Borrower using the business reflected on the Final Loan Application, however, the ultimately used income from a different business. Please provide a Final Loan Application reflecting the business used to qualify the Borrower.
Document Uploaded. I also uploaded the bank stmt worksheet for the correct business.  Unclear if you had this.; Document Uploaded. Uploaded 1003 with business name corrected.
XXX
The Final 1003 reflecting correct business used to qualify received.  Condition cleared.
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Borrower has stable job time - Borrower has XXX years on job.
D
B
D
A
D
B
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
2026050099
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Borrower 1 3rd Party VOE Prior to Close Missing
Borrower 1 3rd Party VOE Prior to Close Missing. The loan file does not contain a 3rd party VOE dated within XXX days of closing. The subject loan closed on XXX. The latest dated verification of employment in the loan file was dated XXX, which was greater than XXX days from closing. Please provide a 3rd party VOE dated within XXX days of closing.
Document Uploaded. Re-uploaded XXX for the correct business.; Document Uploaded. Uploaded XXX dated the day before closing.
XXX
Borrower 1 3rd Party VOE Prior to Close Was Provided.
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Borrower has stable job time - Borrower has XXX years on job.
D
B
D
A
D
B
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
2026050099
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Overdraft/NSF Count Exceeds Tolerance
Overdraft/NSF count exceeds tolerance. Per the applicable Guidelines, NSF and overdraft activity must be addressed for acceptability. Per Lender direction, NSF/Overdraft activity must be addressed on either the Uniform Underwriting and Transmittal Summary (1008) or the Credit Risk Summary & Exception Approval (CRSE). The loan file contained a letter of explanation provided by the Borrower, however, neither the 1008 nor the CRSE noted the Lender reviewed NSF and overdraft activity for acceptability.
Document Uploaded. Uploaded 1008 with comment regarding NSFs.
XXX
1008 received reflecting Overdraft/NSF count within tolerance.  Condition cleared.
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Borrower has stable job time - Borrower has XXX years on job.
D
B
C
A
D
B
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
2026050099
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
XXX: Missing Loan Estimate
The initial and/or any XXX Estimate is 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 that were issued to the consumer.
 
  
Document Uploaded. Uploaded disclosure tracking, all XXX and initial CD.
XXX
Initial XXX and all other revised XXX provided, Exception resolved
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Borrower has stable job time - Borrower has XXX years on job.
D
B
D
A
D
B
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
2026050099
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Acknowledged
XXX
Credit
Audited FICO is less than Guideline FICO
Audited FICO of XXX is less than Guideline FICO of XXX. The applicable Guidelines require a minimum FICO Score of XXX for a loan amount of $XXX. The Lender approved the Borrower with a XXX FICO Score based on the following compensating factors:
      
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Borrower has stable job time - Borrower has XXX years on job.
D
B
C
B
D
B
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
2026050099
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Borrower has stable job time - Borrower has XXX years on job.
D
B
A
A
D
B
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
2026050107
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050107
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Acknowledged
FCRE1492
Credit
Cash Out Does Not Meet Guideline Requirements
Cash Out Does Not Meet Guideline Requirements. Cash Out Amount of $XXX exceeds the guideline requirements.
    
Lender provided an updated CRSE.  Max Cash out $XXX with LTV > XXX%.  Cash out amount is $XXX / LTV XXX%.  Exception flagged by XXX / not flagged by UW or TPR.  Approved.  Compensating Factors : Qualifying Credit Score is XXX; DTI - XXX% (Housing) // XXX% (Total); Borr with employer for XXX+ years; Reserves of XXX Months; Residual Income of $XXX; Credit History - XXX credit history.  ;
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
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
2026050107
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050107
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050091
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Cured
XXX
Compliance
XXX
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).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An 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. XXX attached from our XXX ; Document Uploaded.
XXX
Cure package provided to borrower within XXX days of discovery.  Exception downgraded to XXX.
; Missing XXX XXX provided and resolved tolerance violation for discount points.  Refund amount updated amount of $XXX :cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Appraisal Fee on the initial CD issued XXX.  XXX dated XXX mentions the appraisal fee but does not provide a reason for the increase.  Providing a reason may clear the exception or cure package required for $XXX. ; 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).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An 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).; XXX Required.  Refund in the amount of $XXX :cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery.   The tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Discount Points and $XXX to $XXX for the Appraisal Fee on the initial CD issued XXX without valid reasons.
 
There's a XXX issued XXX missing from the loan file. However, per the XXX dated XXX it doesn't give a valid reason for the Discount points to increase and the invoice dated XXX reflects the borrower paid the full fee amount XXX; therefore a cure is required.
XXX
Borrower has stable job time - Borrower has XXX years on job.
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
2026050091
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
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
2026050091
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
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
2026050026
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Acknowledged
XXX
Credit
Income and Employment Do Not Meet Guidelines
Income and Employment Do Not Meet Guidelines Guidelines require XXX months of bank statements.  The file has XXX months, and the calculations match the lenders totals on the Income statement, but does not match the lenders final calculated income output.  Please provide the XXX or XXX along with an updated income worksheet and any other docs that are changed with the corrected income.
Document Uploaded.
XXX
Lender exception to use XXX months of statements calculated over XXX months approved by investor on XXX.
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
D
B
C
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
2026050026
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
The Final 1003 is Incomplete
The Final 1003 is Incomplete. The Final 1003 reflects that the borrower is a XXX. The documentation in the file support the borrower is a XXX. Please provide documentation that supports the borrower is a XXX or provide a corrected 1003 for the file, with the XXX that has the borrower's correct XXX.
Document Uploaded.
XXX
Corrected 1003 received reflecting XXX.  Condition cleared.
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
D
B
D
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
2026050026
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
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
2026050026
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
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
2026050028
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050028
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050028
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050147
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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) )The 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 XXX business days (counting all calendar days except XXX 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 XXX business days (counting all calendar days except XXX 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 XXX business days (counting all calendar days except XXX 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 XXX 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 XXX 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 XXX. Disclosure tracking indicates initial CD was issued on XXX.
Document Uploaded.
XXX
Initial CD and Valid XXX provided - exception resolved; Initial CD and Valid XXX provided - exception resolved
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
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
2026050147
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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) )The 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.An 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). XXX Required.  Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The lender credit tolerance violation in the amount of $XXX is due to decrease in Lender Credit from $XXX to $XXX on the CD dated XXX without a valid XXX. XXX dated XXX discusses change of the lender credit; however, there was no disclosure in the file that was provided within XXX days of the XXX.
Document Uploaded.
XXX
Initial CD and Valid XXX provided - exception resolved; Initial CD and Valid XXX provided - exception resolved
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
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
2026050147
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
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
2026050147
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
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
2026050080
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Acknowledged
XXX
Credit
Cash Out Does Not Meet Guideline Requirements
The cash out amount is $XXX and exceeds Guidelines. The maximum cash out amount is $XXX. The XXX contains an exception for Program-Cash-out Amount, Guideline: Max Cash Out Amount: $XXX-XXX, Actual Cash Out Amount $XXX, Rationale=Borrower owns several properties all paid XXX cash out about $XXX. Granted by Lender on XXX.
    
The cash out amount is $XXX and exceeds Guidelines. The maximum cash out amount is $XXX. The CRSE contains an exception for Program-Cash-out Amount, Guideline: Max Cash Out Amount: $XXX, Actual Cash Out Amount $XXX, Rationale=Borrower owns several properties all paid XXX cash out about $XXX. Granted by Lender on XXX.
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050080
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Income and Employment Do Not Meet Guidelines
Income and Employment Do Not Meet Guidelines The Bank Statement Questionnaire signature is illegible. Please provide a legibly signed XXX for review.
Document Uploaded.
XXX
Bank Statement Questionnaire with legible signature received.  Condition cleared.
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX years on job.
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
2026050080
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050080
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050050
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Borrower 2 3rd Party VOE Prior to Close Missing
Borrower 2 3rd Party VOE Prior to Close Missing.
Document Uploaded.
XXX
Documentation provided is sufficient. Exception resolved.; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX).
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
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
2026050050
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Borrower 1 3rd Party VOE Prior to Close Missing
Borrower 1 3rd Party VOE Prior to Close Missing. Guidelines require a VOE dated within XXX days of the note.  Please provide a VOE dated XXX or later
Document Uploaded.
XXX
Documentation provided is sufficient. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
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
2026050050
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
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
2026050050
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
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
2026050045
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Cured
XXX
Compliance
XXX
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).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An 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). XXX Required.  Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to increase of the appraisal fee from $XXX to $XXX on the CD dated XXX without valid XXX.  XXX dated XXX does not provide reason for fee increase.
Document Uploaded.
XXX
Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
C
B
C
B
C
B
C
B
C
B
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
B
B
B
B
B
B
B
B
B
B
B
B
B
B
B
B
B
B
B
B
2026050045
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Asset Qualification Does Not Meet Guideline Requirements
Asset Qualification Does Not Meet Guideline Requirements. Missing proof the gift funds were given to the closing agent via certified check, a cashier's check, money order or wire. Please provide proof of gift fund delivery to the closing agent for review.
Document Uploaded.
XXX
Asset Qualification Meets Guideline Requirements.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
C
B
C
A
C
B
C
B
C
B
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
B
B
B
B
B
B
B
B
B
B
B
B
B
B
B
B
B
B
B
B
2026050045
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Delinquent Credit History Does Not Meet Guideline Requirements
Delinquent Credit History Does Not Meet Guideline Requirements Per Lender no Collections/Charge offs/Judgments in the past XXX months. The credit report reflects a XXX that opened XXX, date of last activity XXX and reporting date is XXX.  This XXX reflects recent activity and does not meet the Lender guideline requirement.
XXX is a debt collection service.  An attorney for XXX sent the $XXX to the collection service on XXX which is > XXX months ago. This collection should be disregarded.  It is still open but the seasoning is when it went into collection which was in XXX.  An exception is not required.
XXX
Delinquent Credit History Meets Guideline Requirements
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
C
B
C
A
C
B
C
B
C
B
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
B
B
B
B
B
B
B
B
B
B
B
B
B
B
B
B
B
B
B
B
2026050045
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Acknowledged
XXX
Property
Ineligible Property
The subject property is XXX acres. Per Lender guidelines a maximum of XXX (XXX) acres is allowed. The subject property is not eligible.
Uploaded CRSE with exception (to other finding).
XXX
Lender exception approval for: XXX% gift funds used for downpayment (except $XXX). Borr has verified XXX% plus XXX months reserves of own funds but the wire sent for gift funds to XXX covered the full
downpayment. - XXX and XXX acres with XXX comp with similar acreage. The other XXX comps have XXX so unable to determine if XXX acres is common for area. - XXX. Compensating Factors: Qualifying Credit Score is XXX, DTI XXX% (Housing), Residual Income of $XXX, XXX, Qualifying LTV is XXX, Borr has verified XXX% dp but didn't use.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
C
B
C
B
C
B
C
B
C
B
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
B
B
B
B
B
B
B
B
B
B
B
B
B
B
B
B
B
B
B
B
2026050045
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Acknowledged
XXX
Credit
Borrower Contributions Do Not Met Guideline Minimum
Percent of Borrowers Funds for Down Payment of XXX% does not meet guideline minimum XXX% The borrower's minimum contribution does not meet the XXX% guideline requirement. Please provide documentation that supports that the borrower contributed XXX% of his owns XXX closing for review.
Document Uploaded. Uploaded CRSE with exception.
XXX
Lender exception approval for: XXX% gift funds used for downpayment (except $XXX). Borr has verified XXX% plus XXX months reserves of own funds but the wire sent for gift funds to XXX covered the full
downpayment. - XXX and XXX acres with XXX comp with similar acreage. The other XXX comps have XXX so unable to determine if XXX acres is common for area. - XXX. Compensating Factors: Qualifying Credit Score is XXX, DTI XXX% (Housing), Residual Income of $XXX, XXX, Qualifying LTV is XXX, Borr has verified XXX% dp but didn't use.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
C
B
C
B
C
B
C
B
C
B
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
B
B
B
B
B
B
B
B
B
B
B
B
B
B
B
B
B
B
B
B
2026050123
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Acknowledged
XXX
Credit
Housing History Does Not Meet Guideline Requirements
Housing History Does Not Meet Guideline Requirements Missing XXX month history,  LOE in file for lives rent free only covers XXX months
Document Uploaded. ; Document Uploaded. Per CRSE in file borrower is XXX time homebuyer and lives rent free, he was in college. XXX of addresses while in college uploaded.
XXX
Lender exception for XXX month rental payment history vs. XXX months approved by investor on XXX.; Lender exception for XXX month rental payment history vs. XXX months approved by investor on XXX.; LOX provided reflects Borrower rented from XXX to XXX and there is a gap from XXX (last apartment) to current residence at XXX where he lives rent free.  Please provide the rental payment history fromXXX to complete the full XXX month payment history required per guidelines.  Thank you.
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
D
B
C
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
2026050123
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Missing explanation and supporting documentation for large deposit(s)
Missing source of large deposits of $XXX on XXX and $XXX on XXX into XXX
Document Uploaded. 1008 in file has these deposits are removed from balance.; Document Uploaded.
XXX
Lender removed large deposits into XXX from available balance.  Although the 1008 indicated they were removed, the final assets on the 1003 included them, therefore, condition resolved vs. rescinded.  Assets updated and are within guidelines.  Condition cleared.; Documentation uploaded was for $XXX and $XXX.  Missing source of large deposits of $XXX on XXX and $XXX on XXX into XXX.  Thank you.
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
D
B
D
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
2026050123
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Missing VVOE dated within XXX days consummation
Missing XXX dated within XXX days of note date
Document Uploaded.
XXX
VVOE dated within XXX days of closing received.  Condition cleared.
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
D
B
D
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
2026050123
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
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
2026050123
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
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
2026050259
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050259
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050259
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050151
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050151
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050151
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050246
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Cured
XXX
Compliance
XXX
XXX required: A refund in the amount of $XXX, cure package: PCCD with LOE, copy of refund and proof of delivery. The Final Inspection fee was added to the CD issued XXX; however, per the invoice issued XXX, the borrower paid the fee amount XXX which is more than XXX business days from XXX dated XXX and CD issued XXX. 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).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An 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.
XXX
Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Borrower has stable job time - Borrower has XXX years on job.
C
B
C
B
C
A
A
A
C
B
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050246
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Purchase Contract is Expired
The Purchase Contract expired XXX.  Please provide a signed Purchase Contract Extension to XXX for review.
Document Uploaded.
XXX
Documentation is sufficient. Updated contract provided. Exception resolved.
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Borrower has stable job time - Borrower has XXX years on job.
C
B
C
A
C
A
A
A
C
B
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050246
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Borrower has stable job time - Borrower has XXX years on job.
C
B
A
A
C
A
A
A
C
B
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050096
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050096
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050096
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050242
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
XXX: Missing Loan Estimate
Documentation required: There's no evidence of the XXX issued XXX in the loan file, per the Disclosure Tracker the disclosure was XXX sent and received by borrower XXX but missing from the loan file.
Document Uploaded.
XXX
Revised XXX provided, Exception resolved
XXX
Borrower has stable job time - Borrower has XXX years on job.
D
A
D
A
A
A
A
A
D
A
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050242
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
XXX
XXX required: A refund in the amount of $XXX, cure package: PCCD with LOE, copy of refund and proof of delivery or revised XXX issued XXX. The Final Inspection fee was added to the CD issued XXX; however, per the XXX issued XXX is not within XXX business days of the CD issued XXX and per the disclosure tracker, there's an XXX issued XXX missing from the loan file.  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).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An 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).
    
Revised XXX provided, Exception resolved; Revised XXX provided, Exception resolved; Revised XXX provided, Exception resolved; Revised XXX provided, Exception resolved
XXX
Borrower has stable job time - Borrower has XXX years on job.
D
A
C
A
A
A
A
A
D
A
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050242
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
XXX
This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A.
   
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
D
A
A
A
A
A
A
A
D
A
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050242
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
D
A
A
A
A
A
A
A
D
A
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050242
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
D
A
A
A
A
A
A
A
D
A
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050146
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Borrower 1 3rd Party VOE Prior to Close Missing
Borrower 1 3rd Party VOE Prior to Close Missing. The file does not contain the required 3rd Party XXX from the borrower's XXX employment.  Please provide a 3rd Party XXX from the borrower's XXX dated within XXX calendar days or after from the borrower's XXX employer for review.
Document Uploaded.
XXX
Documentation is sufficient. XXX provided. Exception resolved.; Borrower 1 3rd Party XXX Prior to Close Was Provided.
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX 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
2026050146
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX 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
2026050146
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX 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
2026050243
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Credit
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
Missing verification of HOA payment for the primary residence. If there is no HOA payment a signed statement from the borrower is required that states, there is no HOA payment on the primary residence.
Document Uploaded. Uploaded LOX from borr stating no HOA on primary.
XXX
LOX from Borrower confirming no HOA dues present on primary residence received.  Condition cleared.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050243
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Credit
Approval/Underwriting Summary Partially Provided
Approval/Underwriting Summary Partially Provided. Calculations for borrowers' primary residence does not match the documents in the file.  Calculations for the principal property has an extra $XXX associated with it with no supporting documentation. Please provide supporting documents for the additional $XXX or provide updated documents with the correct amounts and DTI.
Document Uploaded. Uploaded mtg smt for primary showing XXX included, new XXX, and LOX from borr stating no HOA.
XXX
Updated 1003 and 1008 received.  No XXX dues on primary residence.  Condition cleared.; Material
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
B
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
2026050243
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Credit
Asset XXX Missing
Asset XXX Missing. Please provide documentation showing borrower has received proceeds from the $XXX loan and the terms of the loan for review.
Document Uploaded. Uploaded disbursement schedule for new XXX on primary. Updated XXX proceeds on 1003 assets section and also includes updated primary residence debts.
XXX
Disbursement schedule for XXX on primary residence received.  Condition cleared.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050243
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050243
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050127
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Credit
Purchase Contract Expiration Date is prior to Note Date
Please provide the contract extension through the note date.
Document Uploaded.
XXX
Contract extension to XXX received.  Condition cleared.; Material
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
B
A
B
A
B
A
A
A
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050127
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
Transaction meets XXX guidelines.  Transaction is a purchase of investment property. XXX review is not required  The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
B
A
A
A
B
A
A
A
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050127
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
B
A
A
A
B
A
A
A
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050005
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Approval/Underwriting Summary Partially Provided
Approval/Underwriting Summary Partially Provided. Loan documents state the loan program used is a XXX month bank statement.  Documents reflect only a XXX month bank statement product.  Please provide additional XXX months bank statements or updated lenders docs
Document Uploaded.
XXX
CRSE reflecting corrected XXX received.  Condition cleared.; Material
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
B
A
B
A
B
A
A
A
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050005
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
B
A
A
A
B
A
A
A
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050005
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
B
A
A
A
B
A
A
A
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050249
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050249
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050249
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050160
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Overdraft/NSF Count Exceeds Tolerance
Overdraft/NSF count exceeds tolerance. Per the applicable Guidelines, XXX and overdraft activity must be addressed for acceptability. Per Lender direction, NSF/Overdraft activity must be addressed on either the Uniform Underwriting and Transmittal Summary (1008) or the Credit Risk Summary & Exception Approval (XXX). The loan file contained a letter of explanation provided by the Borrower, however, neither the 1008 nor the XXX noted the Lender reviewed XXX and overdraft activity for acceptability.
Document Uploaded.
XXX
CRSE received confirming NSF count reviewed for acceptability.  Condition cleared.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050160
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050160
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050081
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Missing Initial XXX Disclosure
XXX Disclosure is Missing Documentation required to clear exception:  Please provide the XXX Disclosure.
Pls note XXX is in the Closing package uploaded to pother condition
XXX
XXX Disclosure is Resolved
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX 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
2026050081
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
The Final 1003 is Missing
The Final 1003 is Missing. Missing final 1003
Document Uploaded.
XXX
The Final 1003 is Present
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX 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
2026050173
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Cured
XXX
Compliance
Charges That In Total Cannot Increase More Than XXX% 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.An 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). XXX Required.  Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX% tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Title Search Fee, and the addition of XXX Settlement Fee $XXX and Title Commitment Fee $XXX (all paid lender's provider). A XXX was provided, however deemed invalid due to lack of reasoning cited for the increase(s).
Document Uploaded.
XXX
cure package provided, exception downgraded to a XXX; cure package provided, exception downgraded to a XXX
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
C
B
C
B
C
B
A
A
C
B
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
2026050173
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Rescinded
XXX
Compliance
XXX Post-Consummation Reason for Redisclosure Validation Test
This loan failed the TRID post-consummation reason for redisclosure validation test.This loan contains a post-consummation revised closing disclosure delivery date but does not provide the reason for the redisclosure after consummation. The reason is required in order to audit post-consummation redisclosure timing tests. This loan failed the XXX post-consummation reason for redisclosure validation test.This loan contains a post-consummation revised closing disclosure delivery date but does not provide the reason for the redisclosure after consummation. The reason is required in order to audit post-consummation redisclosure timing tests.
      
XXX
  
C
B
C
A
C
B
A
A
C
B
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
2026050173
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Rescinded
XXX
Compliance
XXX Post-Consummation Revised Closing Disclosure Date and Consummation Date Validation Test
This loan failed the XXX post-consummation revised closing date and consummation date validation test.This loan contains a post-consummation revised closing disclosure delivery date that is before the consummation date, or closing/settlement date if consummation date was not provided. Please review the loan data to ensure the dates are in the correct fields. This loan failed the XXX post-consummation revised closing date and consummation date validation test.This loan contains a post-consummation revised closing disclosure delivery date that is before the consummation date, or closing/settlement date if consummation date was not provided. Please review the loan data to ensure the dates are in the correct fields.
      
XXX
  
C
B
C
A
C
B
A
A
C
B
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
2026050173
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Rescinded
XXX
Compliance
XXX Disclosure Delivery Date Validation Test
This loan failed the XXX disclosure delivery date validation test.The loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate.A revised closing disclosure is before the initial closing disclosure.A closing disclosure delivery date is on or before a loan estimate delivery date.A post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. This loan failed the XXX disclosure delivery date validation test.The loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate.A revised closing disclosure is before the initial closing disclosure.A closing disclosure delivery date is on or before a loan estimate delivery date.A post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date.
      
XXX
  
C
B
C
A
C
B
A
A
C
B
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
2026050173
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Asset Qualification Does Not Meet Guideline Requirements
Asset Qualification Does Not Meet Guideline Requirements. The Guideline requires that the file document that the donor gave the closing agent the gift funds in the form of a certified check, a cashier's check, money order, or wire transfer. The file is missing proof that the donor gave the gift funds to the closing agent. Please provide the required proof for review.
Document Uploaded.
XXX
Gift wire received. Asset Qualification Meets Guideline Requirements.  Condition cleared.
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
C
B
C
A
C
B
A
A
C
B
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
2026050173
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Approval/Underwriting Summary Partially Provided
Approval/Underwriting Summary Partially Provided. The 1008 states that there is an Approved Exception to use the income from XXX business vs. the Guideline maximum of XXX business. Please provide a corrected CRSE that reflects the exception approval.
Document Uploaded.
XXX
CRSE reflecting approved exception received.  Condition cleared.; Material
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
C
B
B
A
C
B
A
A
C
B
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
2026050173
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Acknowledged
XXX
Credit
Income and Employment Do Not Meet Guidelines
Income and Employment Do Not Meet Guidelines Lender Exception for use of XXX businesses vs. max of XXX businesses for qualifying income received and approved by investor on XXX.
      
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
C
B
B
B
C
B
A
A
C
B
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
2026050173
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
C
B
A
A
C
B
A
A
C
B
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
2026050148
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050148
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050148
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
XXX
This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A.
   
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050139
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050139
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050139
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050070
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050070
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050070
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050079
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050079
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050079
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050075
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050075
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050075
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050191
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Acknowledged
XXX
Credit
Audited LTV Exceeds Guideline LTV
Audited LTV of XXX% exceeds Guideline LTV of XXX% Per XXX a cash out transaction reduces max LTV an additional XXX%.  Loan amount of $XXX show max LTV of XXX%.  With the XXX% reduction for c/o - final CLTV/LTV/HCLTV to XXX%.
Document Uploaded. ; Document Uploaded. ; Document Uploaded.
XXX
Lender exception for XXX% LTV/CLTV exceeding max of XXX% approved by investor on XXX.; The subject loan is slated for XXX, however, it appears the guidelines referenced are from TPR.  Section XXX of XXX guidelines reflects no more than $XXX drawn in the previous XXX months for a rate/term refinance, as a result, the loan is considered cash out and the max LTV/CLTV at $XXX is XXX%.; Guidelines indicate a XXX may be paid off and not considered cash out if the Note is greater than XXX months AND no more than $XXX or max of XXX% of the XXX loan amount in draws were made in the previous XXX months.  Based on the documentation provided, the Borrower advanced $XXX on XXX, $XXX on XXX, $XXX on XXX , $XXX in XXX of XXX and $XXX in XXX of XXX for a total of $XXX in the past XXX months.  As a result, the XXX is considered cash out and the max LTV/CLTV is XXX% for a cash out refinance.  Condition remains.
XXX
Qualifying DTI below max allowed.
Borrower has stable job time - Borrower has XXX 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
2026050191
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Acknowledged
XXX
Credit
Audited HCLTV Exceeds Guideline HCLTV
Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% Per XXX a cash out transaction reduces max LTV an additional XXX%.  Loan amount of $XXX show max LTV of XXX%.  With the XXX% reduction for c/o - final CLTV/LTV/HCLTV to XXX%.
Document Uploaded. ; Document Uploaded. ; Document Uploaded.
XXX
Lender exception for XXX% LTV/CLTV exceeding max of XXX% approved by investor on XXX.; The subject loan is slated for XXX, however, it appears the guidelines referenced are from XXX.  Section 12.2.11 of XXX guidelines reflects no more than $XXX drawn in the previous XXX months for a rate/term refinance, as a result, the loan is considered cash out and the max LTV/CLTV at $XXX is XXX%.; Guidelines indicate a XXX may be paid off and not considered cash out if the Note is greater than XXX months AND no more than $XXX or max of XXX% of the XXX loan amount in draws were made in the previous XXX months.  Based on the documentation provided, the Borrower advanced $XXX on XXX, $XXX on XXX, $XXX on XXX , $XXX in XXX of XXX and $XXX in XXX of XXX for a total of $XXX in the past XXX months.  As a result, the XXX is considered cash out and the max LTV/CLTV is XXX% for a cash out refinance.  Condition remains.
XXX
Qualifying DTI below max allowed.
Borrower has stable job time - Borrower has XXX 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
2026050191
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Acknowledged
XXX
Credit
Audited CLTV Exceeds Guideline CLTV
Audited CLTV of XXX% exceeds Guideline CLTV of XXX% Per XXX a cash out transaction reduces max LTV an additional XXX%.  Loan amount of $XXX show max LTV of XXX%.  With the XXX% reduction for c/o - final CLTV/LTV/HCLTV to XXX%.
Document Uploaded. ; Document Uploaded. ; Document Uploaded.
XXX
Lender exception for XXX% LTV/CLTV exceeding max of XXX% approved by investor on XXX.; The subject loan is slated for XXX, however, it appears the guidelines referenced are from XXX.  Section 12.2.11 of XXX guidelines reflects no more than $XXX drawn in the previous XXX months for a rate/term refinance, as a result, the loan is considered cash out and the max LTV/CLTV at $XXX is XXX%.; Guidelines indicate a XXX may be paid off and not considered cash out if the Note is greater than XXX months AND no more than $XXX or max of XXX% of the XXX loan amount in draws were made in the previous XXX months.  Based on the documentation provided, the Borrower advanced $XXX on XXX, $XXX on XXX, $XXX on XXX , $XXX in XXX of XXX and $XXX in XXX of XXX for a total of $XXX in the past XXX months.  As a result, the XXX is considered cash out and the max LTV/CLTV is XXX% for a cash out refinance.  Condition remains.
XXX
Qualifying DTI below max allowed.
Borrower has stable job time - Borrower has XXX 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
2026050191
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying DTI below max allowed.
Borrower has stable job time - Borrower has XXX 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
2026050191
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Qualifying DTI below max allowed.
Borrower has stable job time - Borrower has XXX 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
2026050152
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050152
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050152
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050302
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
XXX
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).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An 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). XXX Required.  Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The Credit report fee increased on the XXX issued XXX and CD issued XXX and XXX fee added to the CD issued XXX all without valid reasons. The invoices in the files for the Credit Report and XXX fees are not within XXX business days from re-disclosures.
Document Uploaded.
XXX
valid XXX provided, exception resolved; valid XXX 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).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An 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).
XXX
Borrower has stable job time - Borrower has XXX 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
2026050302
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050302
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050114
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Approval/Underwriting Summary Partially Provided
Approval/Underwriting Summary Partially Provided. Lenders 1008 is showing the incorrect property tax amount and final PITI.  Please update the 1008/CRSE with the correct amount provided by the XXX.
Document Uploaded.
XXX
Corrected Approval/Underwriting Summary received.  Condition cleared.; Material
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
B
A
B
A
B
A
A
A
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050114
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
B
A
A
A
B
A
A
A
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050114
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
B
A
A
A
B
A
A
A
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050036
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Rescinded
XXX
Credit
Missing explanation and supporting documentation for large deposit(s)
Missing source of large deposit for $XXX on XXX
Document Uploaded.
XXX
Source of large deposit/net proceeds documented on page XXX of the loan file.  Condition rescinded.
XXX
  
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
2026050036
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Acknowledged
XXX
Credit
Housing History Does Not Meet Guideline Requirements
Housing History Does Not Meet Guideline Requirements Lender Approved Exception granted to allow financing for borrower without XXX housing history. Only XXX history.  Lived with XXX prior to renting - XXX. Rented since XXX. Payment verification in file
     
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
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
2026050036
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
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
2026050036
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
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
2026050247
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050247
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050247
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050046
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Rescinded
XXX
Property
Was lowest appraised value used to qualify is No
XXX appraisals in file, however the lowest appraised value was not used to qualify. XXX appraisal in file
   
; Valuation used for LTV meets guidelines.;
XXX
  
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050046
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Rescinded
XXX
Credit
Verified Liquid Assets Insufficient For Closing
Verified Liquid Assets are insufficient for closing in the amount of $-XXX. Net proceeds from property XXX
    
; Verified Liquid Assets are sufficient for closing.; ;
XXX
  
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050046
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Rescinded
XXX
Credit
Assets do not meet guideline requirements
When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines.
Please see other assets finding.  I am showing we have XXX months reserves.
XXX
Net proceeds documented in file on page XXX.  Sufficient assets.  Condition rescinded.
XXX
  
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050046
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Rescinded
XXX
Credit
Audited Reserves are less than Guideline Required Reserves (Dollar Amount)
Audited Reserves of $ are less than Guideline Required Reserves of $XXX.
Document Uploaded. I am showing we have XXX months reserves with the XXX statements for the XXX and the proceeds from the sale of the prior residence.  I am including a copy of the CD for the sale netting $XXX.  This was included in the closing package.  Let me know if you still show we are short. Thanks!
XXX
Net proceeds documented on page XXX.  Sufficient reserves.  Condition rescinded.
XXX
  
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050046
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Borrower has stable job time - Borrower has XXX years on job.
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050065
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
XXX
This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A.
   
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
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
2026050065
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
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
2026050065
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
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
2026050055
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Rescinded
XXX
Property
Condo Approval Missing
XXX Approval Missing. XXX approval is Missing.
Document Uploaded. Uploaded 1008 - see page XXX in comment section - UW approved XXX project.
XXX
XXX project questionnaire on page XXX.  Condition rescinded.; Material
XXX
  
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050055
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Higher-Priced Mortgage Loan Test
This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A.
   
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050055
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050061
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Higher-Priced Mortgage Loan Test
This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX requirements met.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050061
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050061
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050104
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
XXX is Missing
XXX is Missing
Document Uploaded. Insurance uploaded
XXX
Documentation is sufficient. XXX provided includes walls-in coverage with betterments. Exception resolved.; XXX is fully present
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050104
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
XXX is Missing
Missing XXX
Document Uploaded.
XXX
Documentation is sufficient. XXX provided. Exception resolved.; XXX is fully present
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050104
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050104
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050104
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050042
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Higher-Priced Mortgage Loan Test
This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required.  XXX with established XXX and appraisal requirements met.  Exception downgraded to a A.
   
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050042
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Initial Closing Disclosure Delivery Date Test
This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX 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 XXX business days (counting all calendar days except XXX 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 XXX business days (counting all calendar days except XXX 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 XXX 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 XXX 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 XXX.
Document Uploaded. Uploaded signed initial CD.
XXX
Initial CD provided; Exception resolved; Initial CD provided; Exception resolved
XXX
Borrower has stable job time - Borrower has XXX 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
2026050042
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050042
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050294
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050294
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050294
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050085
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050085
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050085
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050084
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Credit
Approval/Underwriting Summary Partially Provided
Approval/Underwriting Summary Partially Provided. Lenders 1008/CRSE has the incorrect loan amount.  Please revise the documents and send for review.
Document Uploaded.
XXX
Corrected 1008 and CRSE reflecting accurate loan amount received.  Condition cleared.; Material
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX years on job.
C
B
B
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
2026050084
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Acknowledged
XXX
Credit
Delinquent Credit History Does Not Meet Guideline Requirements
Delinquent Credit History Does Not Meet Guideline Requirements Borrower had a collections opened XXX.  Guidelines state, No Collections/Charge offs/Judgments in last XXX months.
Document Uploaded.
XXX
Lender exception for collections within XXX months approved by investor on XXX.
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050084
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Credit
Satisfactory Chain of Title not Provided
Unsatisfactory XXX provided XXX work shows owner is Cash is XXX at the time of the search.  DOT is closed in borrowers personal name.  Documents include an unsigned Deed. Please provide the signed transfer Deed showing borrower holds XXX in personal name at the time of closing.
Document Uploaded.
XXX
Executed and recorded deed from Borrower's business to Borrower as an individual received. Condition cleared.
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX years on job.
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
2026050084
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050084
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050166
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050166
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050166
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050178
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Acknowledged
XXX
Property
XXX project is ineligible
XXX Project has XXX% delinquency > XXX% max delinquency allowed.  Lender approved XXX due to the HOA having $XXX in reserves.
     
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050178
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050178
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050144
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050144
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050144
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050137
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050137
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050137
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050157
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Higher-Priced Mortgage Loan Test
XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A.  This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
D
A
A
A
A
A
A
A
D
A
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050157
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
XXX: Missing Loan Estimate
Documentation required: There's no evidence of the XXX issued XXX in the loan file.
Document Uploaded.
XXX
XXX provided; exception resolved
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
D
A
D
A
A
A
A
A
D
A
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050157
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
D
A
A
A
A
A
A
A
D
A
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050157
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
D
A
A
A
A
A
A
A
D
A
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050117
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050117
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050117
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Higher-Priced Mortgage Loan Test
This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A.
   
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050119
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Higher-Priced Mortgage Loan Test
This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A.
   
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX years on job.
C
A
A
A
B
A
A
A
C
A
C
B
A
C
C
B
A
C
C
B
A
C
C
B
A
C
C
B
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050119
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Charges That In Total Cannot Increase More Than XXX% 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.An 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).  XXX Required.  Refund in the amount of $XXX; cure package requires a PCCD, LOE,  and Copy of Refund Check, or Valid XXX. The XXX% tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Recording Fee on the CD dated XXX without valid XXX.
Document Uploaded. The XXX in the closing package does explain the reason for the increase in the recording fee.  Please see upload.
XXX
Valid XXX provided - exception resolved; Valid XXX provided - exception resolved
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
B
A
A
A
C
A
C
B
A
C
C
B
A
C
C
B
A
C
C
B
A
C
C
B
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050119
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Purchase Contract Expiration Date is prior to Note Date
Please provide contract extension for review.
Document Uploaded. Uploaded extension.
XXX
Documentation is sufficient. Addendum provided. Exception resolved.; No document uploaded.  Please provide contract extension for review. Thank you.; Material
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX years on job.
C
A
B
A
B
A
A
A
C
A
C
B
A
C
C
B
A
C
C
B
A
C
C
B
A
C
C
B
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050119
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX years on job.
C
A
A
A
B
A
A
A
C
A
C
B
A
C
C
B
A
C
C
B
A
C
C
B
A
C
C
B
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050016
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Cured
XXX
Compliance
Charges That In Total Cannot Increase More Than XXX% 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.An 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).XXX Required.  Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX% tolerance violation in the amount of $XXX is due to The Lender's XXX increasing and the XXX and XXX fee were added to the CD issued XXX without a valid reason.
Document Uploaded. Uploaded cure docs.
XXX
cure package provided, exception downgraded to a XXX; cure package provided, exception downgraded to a XXX
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
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
2026050016
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Rescinded
XXX
Property
HOA Questionnaire is Missing
XXX Questionnaire Missing. The Lender requires an XXX for all condominiums. Please provide a completed and signed XXX for the subject for review.
Document Uploaded. Uploaded XXX questionnaire.
XXX
Project/HOA Questionnaire in file on page XXX.  Condition rescinded.
XXX
  
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
2026050016
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
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
2026050120
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Overdraft/NSF Count Exceeds Tolerance
Overdraft/NSF count exceeds tolerance. Per the applicable Guidelines, NSF and overdraft activity must be addressed for acceptability. Per Lender direction, NSF/Overdraft activity must be addressed on either the Uniform Underwriting and Transmittal Summary (1008) or the Credit Risk Summary & Exception Approval (XXX). The Borrower’s bank statements reflect XXX NSF/Overdrafts in a XXX-month period. However, neither the 1008 nor the XXX noted the Lender reviewed XXX and overdraft activity for acceptability.
Document Uploaded.
XXX
CRSE received confirming Overdraft/NSF count within tolerance.  Condition cleared.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
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
2026050120
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
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
2026050120
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
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
2026050121
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Purchase Contract is Expired
The Purchase Contract expired XXX. Please provide a signed Purchase Contract Extension to XXX for review.
Document Uploaded.
XXX
Signed contract extension to XXX received.  Condition cleared.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050121
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050121
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Higher-Priced Mortgage Loan Test
This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A.
   
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050207
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050207
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050207
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050227
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050227
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050227
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
XXX
XXX compliant This loan failed the XXX higher-priced mortgage loan test.  (XXX, XXX Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in the XXX.While the XXX provisions specify that lenders may XXX make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050227
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Higher-Priced Mortgage Loan Test
XXX compliant This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050187
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050187
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050187
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Higher-Priced Mortgage Loan Test
XXX with established escrows and appraisal requirements met.  This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050187
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
XXX
XXX with established XXX and appraisal requirements met.  This loan failed the XXX. ( XXX ,  XXX )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in the Code of XXX.While the XXXprovisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050129
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050129
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050129
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050138
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050138
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050138
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Higher-Priced Mortgage Loan Test
XXX with established XXX and appraisal requirements met.  This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050073
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Charges That Cannot Increase Test
XXX required: A refund in the amount of $XXX, cure package: PCCD with LOE, copy of refund and proof of delivery. The Final Inspection was added to the CD issued XXX; however, per the invoice dated XXX the fee was made aware of more than XXX business days from re-disclosure; therefore, a cure/reimbursement to the borrower is required.  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).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An 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. ; Hi I have no idea when we recv'd the Reports, but per disclosure tracking the Initial CD the Fee's were adjusted and the BOTH Fee's went down from the Invoices, I would guess we recv'd in XXX. Also, the Bwr didn't pay for either of the Reports the Original Lender did. So why would we refund the Bw,r if the Bwr didn't pay? All of this happened prior to XXX receiving the Reports. As I stated, pls escalate to clear, this finding PLS; Document Uploaded. ; Document Uploaded.
XXX
Lender confirmed broker paid the appraisal reinspection fee with no reimbursement from the borrower; exception resolved ; The Final settlement statement in file shows the loan was disbursed with the appraisal reinspection fee paid by the borrower. The attestation provided does not confirm the settlement statement is inaccurate and appraisal fee and final inspection charge were not imposed on the consumer at or after consummation, and the broker paid for these services without reimbursement; Since the subject appraisal is a transferred, the date of receipt of the documents (invoices) would be considered the date of the change of circumstance. The lender is required to redisclose within XXX days of receiving information specific to the consumer or transaction that the creditor relied upon when providing the disclosures required under § 1026.19(e). The date the lender received information sufficient to determine a change in circumstance is required to test. ; Please confirm the date the lender received the appraisal for review.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
C
A
B
A
A
A
C
A
C
B
A
C
C
B
A
C
C
B
A
C
C
B
A
C
C
B
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050073
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Approval/Underwriting Summary Partially Provided
Approval/Underwriting Summary Partially Provided. Lenders 1008/CRSE is completed using an incorrect P&I payment.  Guidelines state a XXX YR XXX qualified at the Note Rate
Document Uploaded. Uploaded 1008 and CRSE with subject payment corrected based on Note rate.
XXX
Approval/Underwriting Summary is fully present; No document uploaded.  Approval/Underwriting Summary Partially Provided. Lenders 1008/CRSE is completed using an incorrect P&I payment. Guidelines state a XXX qualified at the Note Rate; Material
XXX
Borrower has stable job time - Borrower has XXX years on job.
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
B
A
B
A
A
A
C
A
C
B
A
C
C
B
A
C
C
B
A
C
C
B
A
C
C
B
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050073
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
A
A
B
A
A
A
C
A
C
B
A
C
C
B
A
C
C
B
A
C
C
B
A
C
C
B
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050200
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050200
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050200
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Higher-Priced Mortgage Loan Test
This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A.
   
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050158
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Purchase Contract is Expired
The Purchase Contract expired XXX.  Please provide a signed Purchase Contract Extension to XXX for review.
Document Uploaded.
XXX
Contract extension to XXX received.  Condition cleared.
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050158
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050158
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050162
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Approval/Underwriting Summary Partially Provided
Approval/Underwriting Summary Partially Provided. Lender is not using the correct XXX P&I payment on the 1008.  Guidelines state XXX qualified at the Note Rate.  Please revise the 1008/CRSE and send for review.
Document Uploaded.
XXX
Corrected 1008 and CRSE received reflecting accurate PITI.  Condition cleared.; Material
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
B
A
B
A
B
A
A
A
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050162
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
B
A
A
A
B
A
A
A
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050162
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
B
A
A
A
B
A
A
A
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050202
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Approval/Underwriting Summary Not Provided
Missing Approval/Underwriting Summary. The file is missing the CRSE and 1008. Please provide the 1008/CRSE for review.
Document Uploaded. ; Document Uploaded.
XXX
1008 and CRSE received.  Condition cleared.; The 1008 and CRSE reflect the subject XXX was calculated at the fully indexed rate.  Per Lender XXX, a XXX is qualified at the Note Rate.  Please provide a corrected 1008 and CRSE reflecting the XXX of $XXX along with a revised DTI.  Thank you.; Material
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
B
A
B
A
B
A
A
A
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050202
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
B
A
A
A
B
A
A
A
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050202
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
B
A
A
A
B
A
A
A
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050054
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
XXX: Missing Loan Estimate
Documentation required: There's no evidence in the loan file of the revised XXX issued XXX.
Document Uploaded.
XXX
Revised XXX provided - exception resolved
XXX
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
D
A
D
A
A
A
A
A
D
A
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050054
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An 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). XXX required: A refund in the amount of $XXX, cure package: PCCD with XXX, copy of refund and proof of delivery or revised XXX issued XXX. The Final Inspection was added to the CD issued XXX but the coc dated XXX is more than XXX business days from disclosure.
   
Revised XXX provided - exception resolved; Revised XXX provided - exception resolved
XXX
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
D
A
C
A
A
A
A
A
D
A
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050054
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
D
A
A
A
A
A
A
A
D
A
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050054
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
D
A
A
A
A
A
A
A
D
A
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050299
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Borrower 1 3rd Party VOE Prior to Close Missing
Borrower 1 3rd Party VOE Prior to Close Missing. The loan file does not contain a 3rd party VOE dated within XXX days of closing. The subject loan closed on XXX. The latest dated verification of employment in the loan file was dated XXX, which was greater than XXX days from closing. Please provide a 3rd party VOE dated within XXX days of closing.
Document Uploaded. ; Document Uploaded.
XXX
Borrower 1 3rd Party VOE Was Provided.; Documentation provided is dated XXX which is greater than XXX days prior to Note date of XXX.  Please provide a XXX dated within XXX days of the closing.  Thank you.
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
D
B
D
A
D
B
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
2026050299
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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 XXX 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 XXX. 
 
  This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX 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 XXX business days (counting all calendar days except XXX 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 XXX business days (counting all calendar days except XXX 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 XXX business days before consummation.
Document Uploaded. ; Document Uploaded.
XXX
Initial CD provided; exception resolved; Initial CD provided; exception resolved; CD provided is dated XXX, however that is the final CD. Provide the CD dated XXX referenced in the disclosure tracking
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
D
B
C
A
D
B
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
2026050299
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Acknowledged
XXX
Credit
Delinquent Credit History Does Not Meet Guideline Requirements
Delinquent Credit History Does Not Meet Guideline Requirements The applicable Guidelines do not allow collections in the last XXX months. The Borrower’s credit report reflects a XXX opened XXX. In addition, the applicable Guidelines allow no XXX-day consumer late payments in last XXX months. The Borrower’s credit report reflects one XXX-day late payment from XXX, and the subject loan closed XXX. The file contains no evidence of a Lender Approved Exception for this Guideline violation.
Document Uploaded.
XXX
Lender exception for collection within XXX months and XXX within XXX months approved by investor on XXX.
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
D
B
C
B
D
B
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
2026050299
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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.
XXX
Required Affiliated Business Disclosure Documentation Provided.
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
D
B
B
A
D
B
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
2026050299
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
D
B
A
A
D
B
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
2026050011
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Acknowledged
XXX
Credit
Delinquent Credit History Does Not Meet Guideline Requirements
Delinquent Credit History Does Not Meet Guideline Requirements Credit report shows a Charge off with a reported date of XXX.  Guidelines state; No Collections/Charge offs/Judgments in last XXX months
Document Uploaded.
XXX
Lender exception for charge off within XXX months approved by investor on XXX.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050011
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050011
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050252
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Acknowledged
XXX
Credit
Payment shock exceeds guideline
Payment shock of XXX% exceeds the lender guidelines tolerance for payment shock. Guidelines require a XXX% or less for XXX time homebuyer. CRSE in the file cites this exception and approval is granted.
      
XXX
Borrower has stable job time - Borrower has XXX 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
2026050252
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Acknowledged
XXX
Credit
Purchase is not considered to be an Arm's Length Transaction
Purchase is not considered to be an XXX CRSE in the file cites this exception and approval is granted.
      
XXX
Borrower has stable job time - Borrower has XXX 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
2026050252
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Higher-Priced Mortgage Loan Test
This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A.
   
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050252
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050018
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Cured
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).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An 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). XXX required: A refund in the amount of $XXX, cure package: PCCD with XXX, copy of refund and proof of delivery or revised XXX XXX and initial CD XXX. The Discount Points and Appraisal fee increased and the Final Inspection were added to the CD issued XXX; however, per the cocs in file reflect the reasons, but they are not within XXX business days of the final CD issued XXX.
Document Uploaded. ; Document Uploaded.
XXX
Cure package provided to borrower within XXX days of discovery.  Exception downgraded to XXX.
; Cure package provided to borrower within XXX days of discovery.  Exception downgraded to XXX.
; Updated cure amount to $XXX due to the increase in appraisal fee and addition of the appraisal reinspection fee. The change to the fees were not disclosed timely ; 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).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An 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).
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
B
C
B
A
A
A
A
D
B
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050018
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Higher-Priced Mortgage Loan Test
This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A.
   
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
B
A
A
A
A
A
A
D
B
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050018
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
XXX: Missing Loan Estimate
Documentation required: The loan file is missing the revised XXX issued XXX.
Document Uploaded.
XXX
XXX provided; exception resolved
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
B
D
A
A
A
A
A
D
B
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050018
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX 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 XXX business days (counting all calendar days except XXX 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 XXX business days (counting all calendar days except XXX 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 XXX 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 XXX and signed at closing.  There's no evidence of the initial CD issued XXX in the loan file.
Document Uploaded.
XXX
Initial CD provided; exception resolved; Initial CD provided; exception resolved
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
B
C
A
A
A
A
A
D
B
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050018
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Rescinded
XXX
Compliance
Higher-Priced Mortgage Loan Appraiser License Status Alert (12 CFR 1026.35(c)(1))
Loan is a Higher-Priced Mortgage Loan and Appraiser's license status was Inactive at time of origination.
Document Uploaded.
XXX
License was active; exception resolved; Appraiser license is active
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
B
A
A
A
A
A
A
D
B
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050018
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
B
A
A
A
A
A
A
D
B
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050018
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
B
A
A
A
A
A
A
D
B
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050038
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Approval/Underwriting Summary Partially Provided
Approval/Underwriting Summary Partially Provided. The CRSE in file reflects Total Gross Income is $XXX.  This is B1's monthly income.  The 1008 reflects that the Lender used $XXX to qualify the loan. Please provide a corrected CRSE that reflects the corrected Total Gross Income used for qualification.
Document Uploaded. Uploaded CRSE with co-borr added and total income corrected.
XXX
Updated CRSE received reflecting Co-Mortgagor's income.  Condition cleared.
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
B
A
B
A
B
A
A
A
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050038
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
B
A
A
A
B
A
A
A
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050038
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
B
A
A
A
B
A
A
A
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050232
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Rescinded
XXX
Credit
Borrower 1 CPA Letter Missing
Borrower 1 CPA Letter Missing The file contains the registration for XXX.  Borrower is listed as an organizer.  Ownership status is not tied to an organizer and UW will need a CPA letter or the LLC docs showing ownership of the LLC
    
Per Management, okay to XXXof Organization on page XXX reflecting Borrower as XXX as evidence of XXX% owner in lieu of CPA Letter.  Condition rescinded.; Document Uploaded.
XXX
  
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050232
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050232
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
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A
2026050214
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
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2026050214
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
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A
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A
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A
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A
A
A
A
A
A
2026050214
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Higher-Priced Mortgage Loan Test
This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required.  XXX with established XXX and appraisal requirements met.  Exception downgraded to a XXX.
   
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
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A
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A
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A
A
A
2026050303
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Initial Closing Disclosure Delivery Date Test
This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX 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 XXX business days (counting all calendar days except XXX 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 XXX business days (counting all calendar days except XXX 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 XXX business days before consummation. Documentation required. The initial CD is missing from loan file. The earliest CD in the file is dated XXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer XXX business days prior to consummation on XXX.
Document Uploaded.
XXX
Initial CD provided; exception resolved; Initial CD provided; exception resolved
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX 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
2026050303
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Homeownership Counseling Disclosure Is Missing
Homeownership Counseling Disclosure Is Missing Please provide Homeownership Counseling Disclosure.
Document Uploaded.
XXX
Homeownership Counseling Disclosure Is Present or Not Applicable
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX 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
2026050303
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Overdraft/NSF Count Exceeds Tolerance
Overdraft/NSF count exceeds tolerance. Per Guidelines NSF and overdraft activity must be reviewed for acceptability. Per client the 1008 or CRSE will reflect if the NSF/Overdrafts have been reviewed for acceptability. Neither the 1008 or CRSE notes that the NSF/Overdrafts have been reviewed for acceptability.
Document Uploaded.
XXX
1008 reflects Overdraft/NSF count within tolerance.  Condition cleared.
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX 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
2026050303
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX 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
2026050406
XXX
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
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A
2026050406
XXX
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
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A
A
A
2026050406
XXX
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
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A
A
2026050310
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX 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 XXX business days (counting all calendar days except XXX 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 XXX business days (counting all calendar days except XXX 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 XXX 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 XXX 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 XXX.
Document Uploaded.
XXX
Initial CD provided; exception resolved; Initial CD provided; exception resolved
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
C
A
C
A
B
A
C
A
C
A
C
B
C
C
C
B
C
C
C
B
C
C
C
B
C
C
C
B
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050310
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An 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). XXX Required.  Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Discount Points on the CD dated XXX without a valid XXX.
Document Uploaded.
XXX
Initial CD provided; exception resolved; Initial CD provided; exception resolved
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
C
A
C
A
B
A
C
A
C
A
C
B
C
C
C
B
C
C
C
B
C
C
C
B
C
C
C
B
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050310
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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  1002.14(a)(1)). 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.
XXX
Evidence of appraisal delivery provided.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
C
A
B
A
B
A
C
A
C
A
C
B
C
C
C
B
C
C
C
B
C
C
C
B
C
C
C
B
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050310
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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, XXX.
Document Uploaded.
XXX
Homeownership Counseling Disclosure Is Present or Not Applicable.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
C
A
B
A
B
A
C
A
C
A
C
B
C
C
C
B
C
C
C
B
C
C
C
B
C
C
C
B
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050310
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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.
XXX
Required Affiliated Business Disclosure Documentation Provided.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
C
A
B
A
B
A
C
A
C
A
C
B
C
C
C
B
C
C
C
B
C
C
C
B
C
C
C
B
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050310
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
Third Party Valuation Product Not Provided within XXX% Tolerance
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The XXX reflected a Collateral Underwriter Risk Score of XXX and the XXX reflected the XXX as Not Eligible. Therefore, a Third-Party Valuation Product was required. Please provide a Third-Party Valuation Product for review.
Document Uploaded.
XXX
Third party valuation product provided within tolerance.; Client provided XXX. XXX Updated.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
C
A
C
A
B
A
C
A
C
A
C
B
C
C
C
B
C
C
C
B
C
C
C
B
C
C
C
B
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050310
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Approval/Underwriting Summary Partially Provided
Approval/Underwriting Summary Partially Provided. The Uniform Underwriting and Transmittal Summary (1008) and the Credit Risk Summary & Exception Approval (CRSE) reflect a subject loan amount of $XXX. However, the correct loan amount is $XXX. Please correct these documents to reflect the correct loan amount and provide for review.
Document Uploaded.
XXX
Corrected 1008 and CRSE received.  Condition cleared.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
C
A
B
A
B
A
C
A
C
A
C
B
C
C
C
B
C
C
C
B
C
C
C
B
C
C
C
B
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050278
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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) )The 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 XXX business days (counting all calendar days except XXX 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 XXX business days (counting all calendar days except XXX 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 XXX business days (counting all calendar days except XXX 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 XXX business days before consummation. Documentation required to clear exception: There's no evidence of the initial CD issued XXX in the loan file.
Document Uploaded. Uploaded 5.12.26 CD.
XXX
Initial CD provided - exception resolved; Initial CD provided - exception resolved
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
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
2026050278
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Charges That In Total Cannot Increase More Than XXX% 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.An 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). XXX Required.  Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid XXX.   The XXX% tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Mortgage Recording Fee.  Because the loan failed the initial CD delivery date test due to missing Initial closing disclosure, any values that would be under a valid XXX, if the disclosure had been provided, will not be considered valid for tolerance purposes. The violation may be cured if missing closing disclosure(s) are provided.  Additional testing will be completed once the Initial CD is provided.
 
 
Uploaded initial CD to other finding.
XXX
Initial CD provided - exception resolved
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
C
A
C
A
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C
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C
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2026050278
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
C
A
A
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C
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C
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C
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2026050278
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
C
A
A
A
A
A
A
A
C
A
C
A
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C
C
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C
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A
2026050282
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
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2026050282
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
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2026050282
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
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A
A
2026050284
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Borrower 1 CPA Letter Missing
Borrower 1 CPA Letter Missing Guidelines require a CPA letter confirming percentage of ownership.  Please provide a CPA letter confirming percentage of ownership for each business used for income qualification for review.
Document Uploaded.
XXX
Borrower 1 CPA Letter Provided
XXX
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
D
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050284
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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) )The 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 XXX business days (counting all calendar days except XXX 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 XXX business days (counting all calendar days except XXX 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 XXX business days (counting all calendar days except XXX 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 XXX 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 XXX 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 XXX.
 
Document Uploaded.
XXX
Initial CD provided; exception resolved ; Initial CD provided; exception resolved
XXX
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050284
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
A
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050274
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
The Deed of Trust is Missing
The Deed of Trust is Missing Deed of trust is missing in file.  Please provide the DOT for review.
Document Uploaded.
XXX
The Deed of Trust is Present
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
D
A
D
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
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D
D
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D
D
A
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A
A
A
2026050274
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
D
A
A
A
D
A
A
A
A
A
D
D
A
A
D
D
A
A
D
D
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D
D
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D
D
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A
A
2026050274
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
D
A
A
A
D
A
A
A
A
A
D
D
A
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D
D
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D
D
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D
D
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D
D
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2026050239
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
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A
A
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A
A
2026050239
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
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A
A
A
A
2026050239
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
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A
A
A
A
2026050269
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Rescinded
XXX
Credit
Delinquent Credit History Does Not Meet Guideline Requirements
Delinquent Credit History Does Not Meet Guideline Requirements Per Lender Guideline no Collection/Charge offs/Judgements in last XXX months. The borrower has a collection that shows the Date Last Active was XXX, which is less than XXX months from the Note date. The borrower's Credit History does not meet the Lender's Guideline requirement.
Per lender : collections in XXX, more than XXX months.
XXX
Agree with lender - the collection occurred on XXX with no adjustments made. ; Delinquent Credit History Meets Guideline Requirements.;
XXX
  
A
A
A
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A
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A
A
A
A
2026050269
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Higher-Priced Mortgage Loan Test
This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required.  XXX with established XXX and appraisal requirements met.  Exception downgraded to a A.
   
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050269
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050311
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Missing Credit Score Disclosure (XXX)
Missing Credit Score Disclosure (XXX). Documentation required to clear exception:  Please provide the XXX.
Document Uploaded.
XXX
XXX Credit Score Disclosure is provided.
XXX
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
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
2026050311
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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  1002.14(a)(1)). 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.   (The Acknowledgment of receipt of written appraisal report on page XXX states the appraisal was received on XXX, but signed/dated by the borrower on XXX). Need clarification on when the appraisal was actually received.
Document Uploaded.
XXX
Evidence of appraisal delivery provided.
XXX
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
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
2026050311
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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 XXX 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 XXX. This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The 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 XXX business days (counting all calendar days except XXX 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 XXX business days (counting all calendar days except XXX 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 XXX business days (counting all calendar days except XXX 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 XXX business days before consummation.
Document Uploaded.
XXX
Initial CD provided; exception resolved; Initial CD provided; exception resolved
XXX
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
C
A
C
A
A
A
A
A
C
A
C
A
A
C
C
A
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C
C
A
A
C
C
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C
C
A
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C
A
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A
A
A
A
A
A
A
2026050311
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
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
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A
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A
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A
A
A
2026050311
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
C
A
A
A
A
A
A
A
C
A
C
A
A
C
C
A
A
C
C
A
A
C
C
A
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C
C
A
A
C
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
2026050267
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
Missing proof of PITIA for new XXX on REO located at XXX. Please provide a copy of the Note, Taxes, Homeowner's Insurance and proof of Association Fees. If there are no Association fees a signed letter from the borrower stating, there are no Association fees is required for review..
   
PITIA for XXX property located on XXX received and supports what Lender used to qualify.  Condition cleared.; Document Uploaded.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050267
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Asset XXX Does Not Meet Guideline Requirements
Asset XXX Does Not Meet Guideline Requirements. Missing require Final CD for the XXX Refi with $XXX Proceeds for the subject transactions.
Document Uploaded. The attached should clear both Conditions
XXX
Final CD for the refinance of XXX property located on XXX received.  Condition cleared.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
C
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
2026050267
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050267
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050105
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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) )The 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 ($1,136.25) does not exceed or equal the comparable sum of specific and non-specific lender credits ($1,262.50). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An 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). XXX Required.  Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, or Valid XXX. The lender credit tolerance violation in the amount of $XXX is due to decrease in Lender Credit from $XXX to $XXX. A PCCD cannot XXX tolerances
Document Uploaded.
XXX
cure package provided, exception downgraded to a XXX; cure package provided, exception downgraded to a XXX
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX years on job.
C
B
C
B
C
A
A
A
C
B
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050105
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Income XXX Months Income Verified is Missing
Income XXX Months Income Verified is Missing Refinance XXX through XXX is not in the file, but is used on lenders 1003.  Please provide the new XXX information for review.
Document Uploaded.
XXX
XXX received on XXX property and matches what Lender used to qualify.  Condition cleared.
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX years on job.
C
B
C
A
C
A
A
A
C
B
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050105
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX years on job.
C
B
A
A
C
A
A
A
C
B
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050268
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Credit
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
Missing proof of PITIA for the primary residence on XXX.  Please provide a copy of the property taxes, insurance, and Association fees. If there are not Association fees, a signed statement from the borrower is required that there are no Association fees.
Document Uploaded.
XXX
Client provided XXX Property report and Appraisal reflecting $XXX HOA, Interest Only Note and First Payment letter reflecting $XXX PITI. XXX Updated.
XXX
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050268
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050268
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050304
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Income and Employment Do Not Meet Guidelines
Income and Employment Do Not Meet Guidelines The CPA Letter in the loan file is not dated. Please provide a CPA Letter dated within XXX days of the Note date of XXX.
Document Uploaded.
XXX
Dated CPA letter received. Income and Employment Meet Guidelines.  Condition cleared.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050304
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Borrower 1 3rd Party VOE Prior to Close Missing
Borrower 1 3rd Party VOE Prior to Close Missing. The loan file does not contain a 3rd party VOE dated within XXX days of closing. The subject loan closed on XXX. The latest dated verification of employment in the loan file was dated XXX, which was greater than XXX days from closing. Please provide a 3rd party VOE dated within XXX days of closing.
Document Uploaded.
XXX
Borrower 1 3rd Party VOE Was Provided.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
D
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050304
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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, XXX
 
 
Document Uploaded.
XXX
Homeownership Counseling Disclosure provided
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
B
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050304
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Higher-Priced Mortgage Loan Test
This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Appraisal requirements not met, missing appraisal delivery receipt XXX days prior to closing.  Unable to downgrade.
 
 
Document Uploaded.
XXX
Appraisal delivery provided - exception downgraded and resolved
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050304
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6))
Evidence of Appraisal Delivery to the Borrower Not Provided. 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.
XXX
Evidence of Appraisal Delivery to the Borrower Provided.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050304
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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  1002.14(a)(1)). 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.
XXX
Evidence of appraisal delivery provided.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
B
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050304
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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.
XXX
Required Affiliated Business Disclosure Documentation Provided.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
B
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050304
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
A
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050220
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050220
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050220
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050287
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Cured
XXX
Compliance
Charges That In Total Cannot Increase More Than XXX% 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.An 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). XXX Required.  Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX% tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the mortgage recording fee that increased on the final CD issued on XXX without a valid XXX.
Document Uploaded.
XXX
Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
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
2026050287
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Higher-Priced Mortgage Loan Test
This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required.  XXX with established XXX and appraisal requirements met.  Exception downgraded to a A.
   
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
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
2026050287
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Borrower 1 3rd Party VOE Prior to Close Missing
Borrower 1 3rd Party VOE Prior to Close Missing. The loan file does not contain a XXX party VOE dated within XXX days of closing. The subject loan closed on XXX. The latest dated verification of employment in the loan file was dated XXX, which was greater than XXX days from closing. The loan file contains a Pre-Closing Verification of Employment dated XXX; however, it is not executed, aside from the date. Please provide a 3rd party VOE dated within XXX days of closing for review.
Document Uploaded. Sorry not quite understanding, the VOE was completed XXX and the loan closed XXX and it is signed/verified. Pls see the attached, thanks
XXX
Executed XXX dated XXX received.  Condition cleared.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
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
2026050287
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Missing Lender Income Calculation Worksheet
The Credit Risk Summary & Exception Approval (CRSE) indicates the subject loan was approved using the XXX Months XXX; however, the Lender's Income Calculation Worksheet reflects the XXX Months XXX. Please provide a corrected Income Calculation Worksheet reflecting the qualifying Program used. 
Document Uploaded. ; Document Uploaded.
XXX
Lender income worksheet reflecting XXX months of bank statements used to qualify received.  Condition cleared.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
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
2026050287
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
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
2026050083
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Rescinded
XXX
Credit
Income XXX Income Trend is Decreasing
Income XXX Income XXX is Decreasing XXX in file explains
   
Income is decreasing; but has a clear definition on the issue provided on the XXX.  Sufficient.  Rescinding the condition. ; Under additional review.
XXX
  
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
2026050083
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Cured
XXX
Compliance
XXX
This loan failed the XXX.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is before the XXX business day following consummation.The consumer may exercise the right to rescind until midnight of the XXX business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Documentation Required: The disbursement date of XXX is before the cancel by date on the ROR listed as XXX. Proof of actual disbursement date is required to resolve or a cure package requires PCCD, LOE, new ROR providing XXX days right to cancel.
 
 
Document Uploaded.
XXX
Cure package provided to the borrower; exception downgraded to a XXX
XXX
Borrower has stable job time - Borrower has XXX years on job.
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
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
2026050083
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
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
2026050224
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050224
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050224
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050348
XXX
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050348
XXX
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050348
XXX
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050283
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Incorrect rescission model used - XXX model XXX used for Same Lender or Lender Affiliate Refinance
Incorrect rescission model used -XXX (New Creditor) used for Same Lender or Lender Affiliate Refinance  Documentation required to clear exception:  Incorrect Right to Cancel form was used.  Right to cancel form XXX (New Lender) form was used and should have been XXX (Same Lender) form.  In order to cure rescission needs to be re-opened with correct form and a PCCD, LOE, and proof of delivery is required.
Document Uploaded. ; Document Uploaded.
XXX
Correct RTC form has been provided.; The attached documentation show the XXX form was used again.  Because this is a same lender refinance the correct XXX form needs to be the XXX (same lender).  In order to cure rescission needs to be re-opened with correct form and a PCCD, LOE, and proof of delivery is required.  Because this loan is in XXX, the exception can be downgraded to B, non-material.
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Borrower has stable job time - Borrower has XXX years on job.
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
D
A
D
A
A
A
A
A
D
A
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050283
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Borrower has stable job time - Borrower has XXX years on job.
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
D
A
A
A
A
A
A
A
D
A
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050283
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Borrower has stable job time - Borrower has XXX years on job.
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
D
A
A
A
A
A
A
A
D
A
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
D
A
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050209
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX 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
2026050209
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX 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
2026050209
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
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A
A
2026050100
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
A
A
A
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A
A
2026050100
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
A
A
A
A
A
A
A
A
A
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A
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A
A
2026050100
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
A
A
A
A
A
A
A
A
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A
A
A
A
A
A
A
A
A
A
A
2026050281
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Cured
XXX
Compliance
Charges That Cannot Increase Test
XXX Required.  Refund in the amount of $XXX, cure package: PCCD with LOE, copy of refund and proof of delivery. The Appraisal fee increased on the CD issued XXX without a valid reason.  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).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An 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.
XXX
Cure package provided to borrower within XXX days of discovery.  Exception downgraded to XXX.
; Cure package provided to borrower within XXX days of discovery.  Exception downgraded to XXX.
 
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
B
C
B
A
A
C
B
C
B
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
B
2026050281
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Acknowledged
XXX
Property
Ineligible Property
The subject property is XXX acres. The Lender guideline allow up to a maximum of XXX (XXX) acres.  The CRSE does not reflect an exception was made for the acreage. The subject property is ineligible due to acreage > XXX.
Document Uploaded.
XXX
Lender exception for XXX acre parcel approved by investor on XXX.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
B
C
B
A
A
C
B
C
B
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
B
2026050281
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
B
A
A
A
A
C
B
C
B
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
B
B
A
B
B
2026050068
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Asset Qualification Does Not Meet Guideline Requirements
Asset Qualification Does Not Meet Guideline Requirements. The Final CD reflects a $XXX gift was provided for funds to close.  When the funds are not transferred prior to closing, the applicable Guidelines require the originator to document that the XXX gave the Closing Agent the gift funds in the form of a certified check, a cashier’s check, money order, or wire transfer. The loan file missing verification that the XXX received the gift funds. Please provide verification that the XXX received the gift funds.
Document Uploaded.
XXX
Gift wire to Settlement Agent for $XXX received and matches XXX information documented in the loan file. Asset Qualification Meets Guideline Requirements. Condition cleared.
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
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
2026050068
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
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
2026050068
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
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
2026050307
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Rescinded
XXX
Credit
Borrower 2 3rd Party VOE Prior to Close Missing
Borrower 2 3rd Party VOE Prior to Close Missing.
Document Uploaded.
XXX
XXX dated within XXX days of closing on page XXX.  Condition rescinded.
XXX
  
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
2026050307
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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) )The 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 XXX business days (counting all calendar days except XXX 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 XXX business days (counting all calendar days except XXX 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 XXX business days (counting all calendar days except XXX 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 XXX 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 XXX 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 XXX.
Document Uploaded.
XXX
Initial CD provided; Exception resolved; Initial CD provided; Exception resolved
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050307
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An 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). XXX Required.  Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to increase of the appraisal fee from $XXX to $XXX on the XXX dated XXX without valid XXX and the increase of the credit report fee from $XXX to $XXX on the CD dated XXX without valid XXX.
Document Uploaded.
XXX
valid XXX provided, exception resolved; valid XXX provided, exception resolved
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050307
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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 date of XXX.
Document Uploaded.
XXX
Homeownership Counseling Disclosure Is Present, exception resolved.; Homeownership Counseling Disclosure Is Present or Not Applicable.; 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 date of XXX.
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050307
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Missing Required Affiliated Business Disclosure
Required Affiliated Business Disclosure Missing. Documentation required to clear exception:  Provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates.
Document Uploaded.
XXX
Affiliated attestation provided; Exception resolved; Required Affiliated Business Disclosure Documentation Provided.
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050307
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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 Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050297
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Acknowledged
XXX
Credit
Audited DTI Exceeds Guideline DTI
Audited DTI of XXX% exceeds Guideline DTI of XXX% Lender has a reduced liability amount that is unsupported by the documents in the file.
 
Document Uploaded. ; Document Uploaded. Hi, I have went thru all the debts and corrected the PITI which matches your info and ratios are still in line. I have even matched the debts with the Individual Asset Summary Report, pls advise where we are off to make ratios over XXX%
XXX
Lender exception for XXX% DTI greater than max of XXX% allowed approved by investor on XXX.; Per Lender XXX, the max DTI for LTV's > than XXX% is XXX%. The DTI of XXX% exceeds the max allowed of XXX%. 
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
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
2026050297
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Higher-Priced Mortgage Loan Test
This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required.  XXX with established XXX and appraisal requirements met.  Exception downgraded to a A.
 
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
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
2026050297
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
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
2026050236
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050236
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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 Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050236
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050142
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Housing History Does Not Meet Guideline Requirements
Housing History Does Not Meet Guideline Requirements. Applicant is XXX and XXX within the past XXX months per credit report in file. The file contains an explanation from the borrower for the reason for the late payment. Per Guideline the Housing History requirement is max XXX. The housing payment history does not meet the lenders guideline.
Document Uploaded.
XXX
Re-review of file a XXX month period from the note date is XXX. In this period borrower only has XXX late payment, guidelines met. Condition resolved. ; Lender exception for XXX mortgage payment history approved by investor on XXX.
XXX
  
D
A
C
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
2026050142
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Missing VOM or VOR
Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. 1003 lists the borrower has been renting for the past XXX months.  Per XXX the borrower pays XXX rent in the amount of $XXX via automatic payroll deduction.  The file only documents XXX month of rental payment via XXX payroll deductions on the paystubs ending XXX and XXX. Missing proof of the remaining rental payments.
    
Automatic payroll deduction for rent reflected in pay stubs.  YTD confirms XXX XXX months.  Okay to accept per management.  Condition cleared.
XXX
  
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
2026050142
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Higher-Priced Mortgage Loan Test
This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required.  XXX with established XXX and appraisal requirements met.  Exception downgraded to a A.
   
Informational Only
XXX
  
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
2026050142
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
  
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
2026050197
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Asset Qualification Does Not Meet Guideline Requirements
Asset Qualification Does Not Meet Guideline Requirements. The Lender requires that a copy of the gift fund delivery to the closing agent is required. Please provide a copy of the certified check, cashier's check, money order or wire transfer for review.
Document Uploaded.
XXX
Copy of $XXX Gift wire to Settlement Agent received and matches donor information documented in the loan file. Asset Qualification Meets Guideline Requirements.  Condition cleared.
XXX
Borrower has stable job time - Borrower has XXX 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
2026050197
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Higher-Priced Mortgage Loan Test
This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required.  XXX with established XXX and appraisal requirements met.  Exception downgraded to a A.
   
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050197
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050305
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050305
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050305
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050179
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Credit
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
The loan file does not contain verification of the total payment for the Borrower's XXX. The Final Loan Application shows there was a new loan made by the subject Lender; however, the file does not contain verification of the payment. Please provide verification of the total payment for the Borrower's XXX property and a copy of the Final CD to verify the lien that was at the time of disbursement.
Document Uploaded.
XXX
New PITIA/Final CD for XXX property received.  Condition cleared.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
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
2026050179
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
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
2026050179
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
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
2026050222
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Rescinded
XXX
Property
Was lowest appraised value used to qualify is No
XXX appraisals in file, however the lowest appraised value was not used to qualify. File contains XXX appraisal
Invalid.  Cleared/Rescinding.
XXX
; Valuation used for LTV meets guidelines.; Not a valid condition.  Rescinding.
XXX
  
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050222
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050222
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050222
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050176
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050176
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050176
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050201
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Higher-Priced Mortgage Loan Test
This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While 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 XXX  may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required.  XXX with established XXX and appraisal requirements met.  Exception downgraded to a A.
   
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX 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
2026050201
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX 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
2026050201
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX 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
2026050163
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Missing Initial Escrow Disclosure
XXX Disclosure is Missing. Documentation required to clear exception:  Please provide the XXX Disclosure.
Document Uploaded.
XXX
XXX Disclosure is Resolved.
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050163
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050163
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050124
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Cured
XXX
Compliance
Charges That In Total Cannot Increase More Than XXX% 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.An 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). XXX Required.  Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX% tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Title Search Fee, increase from $XXX to $XXX for the XXX Payoff Fee, and increase from $XXX to $XXX for the Wire Transfer Fee. The XXX% increase that occurred per the XXX  on XXX, however there was no disclosure in the file that was provided within XXX days of the XXX.
Document Uploaded. Our Closing manager agreed the borrower didn't shop for services, and is due the the refund $XXX; I'm sorry but on the original condition you stated there was no disclosure XXX days prior to close but there was and I completed an Attestation Letter. The XXX clearly states the reasons for the changes..
***Appraised value is different than estimated value Change in loan amount Interest rate change Borrower did not shop XXX changed by more than .XXX% Change in lender credit Change in XXX in settlement fees Change in title service fees; Document Uploaded.
XXX
Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX; The original comments were incorrect.  The XXX did not contain any information as to the reasoning for the increase, to just simply state that a fee increased is not sufficient.  To comply with the XXX requirements and rebaseline fee amounts, TPRs will look to the XXX documentation in file to include the components enumerated within the regulations as set forth in the preceding paragraph. The XXX documentation, at a minimum, should include: 1) The original estimate of the cost (can be documented through fee amounts disclosed on the initial XXX); 2) specific reason for the revision and how it impacted the specific fee(s) that increased; 3) the revised amount (can be documented
through fee amounts disclosed on the revised XXX/CD but increase must correspond with actual change resulting from documented XXX and only fees related to the specific XXX are considered for rebaseline); and 4) the date of the changed circumstance (i.e. the date the creditor received information sufficient to establish that one of the reasons for revision provided under § 1026.19(e)(3)(iv)(A) through (F) has occurred); The XXX provided did not contain a valid reason for fees to increase
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX years on job.
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
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
2026050124
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX years on job.
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
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
2026050124
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX years on job.
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
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
2026050188
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
XXX is Missing
Missing XXX. Subject XXX was not available at time of review (only HOI for XXX property located at XXX was in file).
Document Uploaded.
XXX
Documentation provided is sufficient. Exception resolved.; XXX is fully present.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
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
2026050188
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
Missing documentation to confirm no HOA dues present for XXX property located at XXX.
Document Uploaded.
XXX
Documentation received confirming no HOA dues present on XXX property.  Condition cleared.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
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
2026050188
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
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
2026050188
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
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
2026050244
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Cured
XXX
Compliance
Charges That Cannot Increase Test
XXX Required.  Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Appraisal Fee. Per the invoice dated XXX, there's no reason for the fee increase and the borrower paid the full amount XXX. 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).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An 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.
XXX
Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX
XXX
Borrower has stable job time - Borrower has XXX years on job.
C
B
C
B
B
A
A
A
C
B
C
B
A
C
C
B
A
C
C
B
A
C
C
B
A
C
C
B
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050244
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Rescinded
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) )The 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.An 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). This loan failed the lender credits that cannot decrease 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). 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.An 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).
    
Exception fired in error - rescinded
XXX
  
C
B
A
A
B
A
A
A
C
B
C
B
A
C
C
B
A
C
C
B
A
C
C
B
A
C
C
B
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050244
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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 XXX 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 XXX.   This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The 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 XXX business days (counting all calendar days except XXX 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 XXX business days (counting all calendar days except XXX 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 XXX business days (counting all calendar days except XXX 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 XXX business days before consummation.
Document Uploaded.
XXX
Initial CD provided - exception resolved; Initial CD provided - exception resolved
XXX
Borrower has stable job time - Borrower has XXX years on job.
C
B
C
A
B
A
A
A
C
B
C
B
A
C
C
B
A
C
C
B
A
C
C
B
A
C
C
B
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050244
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Incorrect rescission model used - XXX model XXX used for Same Lender or Lender Affiliate Refinance
XXX used - XXX form model XXX (New Creditor) used for Same Lender or Lender Affiliate Refinance.  Documentation required to clear exception:  Incorrect Right to Cancel form was used.  Right to cancel form XXX (New Lender) form was used and should have been XXX (Same Lender) form.  In order to cure rescission needs to be re-opened with correct form and a PCCD, LOE, and proof of delivery is required.
Document Uploaded.
XXX
Correct XXX form has been provided.
XXX
Borrower has stable job time - Borrower has XXX years on job.
C
B
B
A
B
A
A
A
C
B
C
B
A
C
C
B
A
C
C
B
A
C
C
B
A
C
C
B
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050244
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Approval/Underwriting Summary Partially Provided
Approval/Underwriting Summary Partially Provided. Lenders 1008/CRSE has the incorrect loan amount per final CD and Note.  Please provide an updated 1008/CRSE with the correct information for review.
Document Uploaded.
XXX
Corrected 1088 and CRSE received.  Condition cleared.; Material
XXX
Borrower has stable job time - Borrower has XXX years on job.
C
B
B
A
B
A
A
A
C
B
C
B
A
C
C
B
A
C
C
B
A
C
C
B
A
C
C
B
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050244
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
C
B
A
A
B
A
A
A
C
B
C
B
A
C
C
B
A
C
C
B
A
C
C
B
A
C
C
B
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050266
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX 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
2026050266
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX 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
2026050266
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX 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
2026050174
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Housing History Does Not Meet Guideline Requirements
Housing History Does Not Meet Guideline Requirements. Missing complete housing history for subject property - credit report only goes through XXX and one mortgage statement in file for XXX missing XXX - XXX
Document Uploaded.
XXX
Lender provided the complete housing history for subject property  XXX - XXX. Condition cleared. ; Housing History Meets Guideline Requirements.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
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
2026050174
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
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
2026050174
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
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
2026050258
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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 XXX 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 XXX.   This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The 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 XXX business days (counting all calendar days except XXX 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 XXX business days (counting all calendar days except XXX 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 XXX business days (counting all calendar days except XXX 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 XXX business days before consummation.
Document Uploaded.
XXX
Initial CD provided; exception resolved
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050258
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050258
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050204
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX 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
2026050204
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX 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
2026050204
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
XXX
No Cure required.  XXX with established XXX and appraisal requirements met.  Exception downgraded to a A.  This loan failed the XXX higher-priced mortgage loan test.  (XXXUsing the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX 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
2026050204
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Higher-Priced Mortgage Loan Test
No Cure required.  XXX with established XXX and appraisal requirements met.  Exception downgraded to a A.  This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX 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
2026050309
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Acknowledged
XXX
Credit
Audited FICO is less than Guideline FICO
Audited FICO of XXX is less than Guideline FICO of XXX. Client acknowledged the lower FICO score.  Guideline requires XXX; borrower has a mid-score of XXX.  Max LTV XXX% - credit score exception for XXX points below minimum.  Compensating Factors : DTI - XXX% (Housing Ratio) or XXX% (Total); Verified Reserves are XXX. 
   
Audited FICO of XXX is less than Guideline FICO of XXX. Client acknowledged the lower FICO score. Guideline requires XXX; borrower has a mid-score of XXX. Max LTV XXX% - credit score exception for four points below minimum. Compensating Factors : DTI - XXX% (Housing Ratio) or XXX% (Total); Verified Reserves are XXX.
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX years on job.
C
B
C
B
C
B
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
2026050309
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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  1002.14(a)(1)). 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.
XXX
Evidence of appraisal delivery provided.
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX years on job.
C
B
B
A
C
B
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
2026050309
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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. ; Document Uploaded.
XXX
Required Affiliated Business Disclosure Documentation Provided.;  Please provide the Affiliated Business Disclosure or an attestation either the lender has no affiliates or no referral of business was made to an affilitate
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX years on job.
C
B
B
A
C
B
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
2026050309
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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 XXX 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 XXX. This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The 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 XXX business days (counting all calendar days except XXX 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 XXX business days (counting all calendar days except XXX 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 XXX business days (counting all calendar days except XXX 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 XXX business days before consummation.
Document Uploaded. ; Document Uploaded.
XXX
Initial CD provided; exception resolved; Initial CD provided; exception resolved; Only the CD dated XXX was provided, however it appears there was a CD provided on XXX and XXX that were not in file
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX years on job.
C
B
C
A
C
B
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
2026050309
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Charges That Cannot Increase Test
XXX Required.  Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid XXX.   The tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the XXX Appraisal Fee and from $XXX to $XXX for the Appraisal Rush Fee.
 
Because the loan failed the initial CD delivery date test due to missing Initial closing disclosure, any values that would be under a valid XXX, if the disclosure had been provided, will not be considered valid for tolerance purposes. The violation may be cured if missing closing disclosure(s) are provided.  Additional testing will be completed once the Initial CD is provided. 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).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An 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.
XXX
Initial CD and valid XXX provided; exception resolved; Initial CD and valid XXX provided; exception resolved; The XXX provided did not have a disclosure dated within XXX days of the XXX. Only the CD dated XXX was provided, however it appears there was a CD provided on XXX and XXX that were not in file
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX years on job.
C
B
C
A
C
B
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
2026050309
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Higher-Priced Mortgage Loan Test
Appraisal requirements not met, missing appraisal delivery receipt XXX days prior to closing.  Unable to downgrade.
 This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
Document Uploaded.
XXX
Appraisal delivery provided; XXX compliant
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX years on job.
C
B
C
A
C
B
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
2026050309
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6))
Evidence of Appraisal Delivery to the Borrower Not Provided. 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.
XXX
Evidence of Appraisal Delivery to the Borrower Provided.
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX years on job.
C
B
C
A
C
B
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
2026050309
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Flood Insurance Expiration Date is before the Disbursement Date
Flood Insurance Expiration Date of XXX is prior to the Disbursement Date of XXX. Per flood insurance expiration is XXX
Document Uploaded.
XXX
Flood Insurance Expiration Date of XXX is equal to or after the Disbursement Date of XXX Or Flood Insurance Expiration Date Is Not Provided.
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX years on job.
C
B
C
A
C
B
A
A
C
A
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
2026050280
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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 XXX 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 XXX. This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The 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 XXX business days (counting all calendar days except XXX 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 XXX business days (counting all calendar days except XXX 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 XXX business days (counting all calendar days except XXX 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 XXX business days before consummation.
Document Uploaded.
XXX
Initial CD provided; exception resolved; Initial CD provided; exception resolved
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050280
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050280
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050234
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Non-Subject Note Missing
The borrower obtained XXX for funds to close and reserves. Please provide a copy of the executed Notes for the XXX and XXX.  The file contains the XXX and Conditional Approvals.
Document Uploaded.
XXX
New XXX Terms/Conditions received for XXX properties located on XXX and XXX received.  Condition cleared.
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX 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
2026050234
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX 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
2026050234
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX 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
2026050228
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050228
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050228
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050306
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Borrower 1 3rd Party VOE Prior to Close Missing
Borrower 1 3rd Party VOE Prior to Close Missing. The loan file does not contain a 3rd party VOE dated within XXX days of closing. The subject loan closed on XXX. The latest dated verification of employment in the loan file was dated XXX, which was greater than XXX days from closing. Please provide a 3rd party VOE dated within XXX days of closing.
Document Uploaded.
XXX
Borrower 1 3rd Party VOE Prior to Close Was Provided.
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
D
A
D
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050306
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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 XXX 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 XXX. This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The 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 XXX business days (counting all calendar days except XXX 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 XXX business days (counting all calendar days except XXX 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 XXX business days (counting all calendar days except XXX 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 XXX business days before consummation.
Document Uploaded.
XXX
Initial CD provided; exception resolved; Initial CD provided; exception resolved
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
D
A
C
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050306
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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,
Document Uploaded.
XXX
Homeownership Counseling Disclosure Is Present or Not Applicable.
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
D
A
B
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050306
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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.
XXX
Required Affiliated Business Disclosure Documentation Provided.
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
D
A
B
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050306
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
D
A
A
A
D
A
A
A
C
A
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
D
D
A
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050149
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Rescinded
XXX
Credit
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
Please provide proof the property on XXX has no liens, the Property Report reflects a lien was opened in the amount of $XXX and the Final 1003 reflect no liens.  Also, please provide proof of hazard insurance for review.
Document Uploaded. ; Document Uploaded.
XXX
Property located on XXX is an office building/commercial property-not required to be included in the DTI.  See property report on page XXX.  Condition rescinded.
XXX
  
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
2026050149
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Borrower 1 3rd Party VOE Prior to Close Missing
Borrower 1 3rd Party VOE Prior to Close Missing. The Lender requires a Verbal Verification of Employment completed within XXX (XXX) calendar days. The file is missing the required Verbal Verification of Employment. Provide a Verbal Verification of Employment completed within XXX calendar days of closing.
Document Uploaded.
XXX
Borrower 1 3rd Party XXX Was Provided.
XXX
Borrower has stable job time - Borrower has XXX 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
2026050149
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Approval/Underwriting Summary Not Provided
Missing Approval/Underwriting Summary. The CRSE is missing. Please provide a copy of the final CRSE for review.
Document Uploaded.
XXX
XXX received.  Condition cleared.; Material
XXX
Borrower has stable job time - Borrower has XXX 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
2026050149
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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 XXX; however, the file is missing proof of e-consent dated XXX or before.
Document Uploaded.
XXX
Evidence of eConsent is provided.
XXX
Borrower has stable job time - Borrower has XXX 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
2026050149
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Higher-Priced Mortgage Loan Test
This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX Compliant
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050149
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050149
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
XXX Rate Spread Home Loan Test
This loan failed the XXX
( NC GS §24-1.1F(a)(7) )The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Article section of the full ComplianceAnalyzer report.While the XXX provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and XXX may prefer not to fund or buy rate XXX even if the additional conditions are met. XXX Compliant
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050217
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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 XXX; however, the file missing proof of e-consent dated XXX or before.
Document Uploaded.
XXX
Evidence of XXX is provided.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050217
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050217
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050217
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Higher-Priced Mortgage Loan Test
This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX Compliant
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050192
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Audited DTI Exceeds Guideline DTI
Audited DTI of XXX% exceeds Guideline DTI of XXX% Debt ratio exceeds guidelines.  Lender using lower property taxes than what was provided on the XXX and tax certificate provided shows, and XXX  was removed from the final 1008
Document Uploaded. In XXX, the property taxes reset after a sale. The new tax amount is calculated at XXX% of the purchase price.  We use XXX% of the purchase price to be a XXX more conservative.
XXX
Property taxes in XXX estimated at XXX% of purchase price of $XXX.  DTI of XXX% meets guidelines.  Condition cleared.
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
C
B
C
A
C
A
A
A
C
B
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050192
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Cured
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).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An 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). XXX Required.  Refund in the amount of $XXX; cure package requires a PCCD, LOE,  and Copy of Refund Check, or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Appraisal Fee.  The XXX dated XXX does not provide a valid reason for this fee increase.
Document Uploaded.
XXX
Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
C
B
C
B
C
A
A
A
C
B
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050192
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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) )The 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 XXX business days (counting all calendar days except XXX 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 XXX business days (counting all calendar days except XXX 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 XXX business days (counting all calendar days except XXX 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 XXX 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 XXX 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 XXX. 
Document Uploaded.
XXX
Initial CD provided; exception resolved; Initial CD provided; exception resolved
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
C
B
C
A
C
A
A
A
C
B
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050192
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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) )The 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.An 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). XXX Required.  Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, or Valid XXX. The lender credit tolerance violation in the amount of $XXX is due to decrease in Lender Credit from $XXX to $XXX.  There is a valid XXX dated XXX in file, but the initial CD is missing.  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 XXX. 
Initial CD has been uploaded in separate condition.
XXX
Initial CD provided; exception resolved; Initial CD provided; exception resolved
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
C
B
C
A
C
A
A
A
C
B
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050192
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
C
B
A
A
C
A
A
A
C
B
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050285
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Cured
XXX
Compliance
Charges That In Total Cannot Increase More Than XXX% 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.An 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). 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.An 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). Hey. what is needed to clear open conditions? Thanks  Hey. what is needed to clear open conditions? Thanks  Hey. what is needed to clear open conditions? Thanks  Document Uploaded.  Document Uploaded.  Document Uploaded.  Cure package provided to the borrower; exception downgraded to a XXX package provided to the borrower; exception downgraded to a XXX
    
XXX Required.  Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX% tolerance violation in the amount of $XXX is due to the increase in recording fees on the final CD without a valid XXX
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
B
C
B
D
A
A
A
D
B
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050285
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Missing VOM or VOR
Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Upon receipt of the final 1003, an additional REO property located at XXX was present with a mortgage from XXX for $XXX.  Please provide the most recent XXX month mortgage payment history from XXX for review.  Thank you.
Document Uploaded. ; Commercial Property for Business - See XXX matching address. no XXX
XXX
Verification of Rent (VOR)/Verification of Mortgage (VOM) provided. Condition cleared.; Only personal bank statements in file.  Missing mortgage statement from XXX for the property added to the final 1003 located at XXX to determine if the payment history can be verified in the personal bank statements.  Please provide the most recent XXX month mortgage payment history from XXX for review. Thank you.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
B
D
A
D
A
A
A
D
B
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050285
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
Missing proof of HOA for XXX and XXX. Please provide proof of the HOA fees or a signed letter from the borrower stating there are no HOA fees or 3rd Party proof there are no HOA fees.
   
Verification of taxes, insurance and XXX Fees provided.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
B
D
A
D
A
A
A
D
B
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050285
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments
Upon receipt of the final 1003, there appears to have been an addition REO property located at XXX.  Please provide the documentation to verify the PITIA for XXX of $XXX as reflected on the final 1003.  Thank you.
Document Uploaded. ; XXX Property for Business - See XXX matching address. no XXX
XXX
Lender provided the PITIA for XXX confirming $XXX reflected on the signed final 1003. Condition cleared. ; Only personal bank statements in file.  Please provide PITIA for XXX confirming $XXX reflected on the signed final 1003.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
B
D
A
D
A
A
A
D
B
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050285
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Borrower 2 3rd Party VOE Prior to Close Missing
Borrower 2 3rd Party VOE Prior to Close Missing. The Lender requires a XXX-day 3rd Party XXX dated within XXX-calendar days of closing. The file does not contain a 3rd Party VVOE dated within XXX-calendar days of closing. Pleas provide a 3rd Party XXX that is dated within XXX-calendar days of the closing.
Document Uploaded.
XXX
Borrower 2 3rd Party XXX Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX).
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
B
D
A
D
A
A
A
D
B
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050285
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Borrower 1 3rd Party VOE Prior to Close Missing
Borrower 1 3rd Party VOE Prior to Close Missing. The Lender requires a XXX-day 3rd Party XXX dated within XXX-calendar days of closing. The file does not contain a 3rd Party XXX dated within XXX-calendar days of closing. Pleas provide a 3rd Party XXX that is dated within XXX-calendar days of the closing.
Document Uploaded.
XXX
Borrower 1 3rd Party XXX Prior to Close Was Provided.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
B
D
A
D
A
A
A
D
B
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050285
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
The Final 1003 is Missing
The Final 1003 is Missing. The file is missing a copy of the final signed 1003. Please provide a copy of the final signed 1003 for each borrower.
Document Uploaded. please note this upld should clear all other open compliance conditions. please and thank you
XXX
The Final 1003 is Present
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
B
D
A
D
A
A
A
D
B
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050285
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
XXX
Documentation Required: The disbursement date of XXX is before XXX days prior to the consummation date of XXX. Please provide the final CD to confirm the correct disbursement date.  This loan failed the XXX of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is before the XXX business day following consummation.The consumer may exercise the right to rescind until midnight of the XXX business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.
please note this upld should clear all other open compliance conditions. please and thank you
XXX
Final CD provided; Exception resolved; Final CD provided; Exception resolved
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
B
C
A
D
A
A
A
D
B
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050285
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
XXX: Missing Closing Disclosure
XXX: Missing Final Closing Disclosure. Documentation required to clear exception: The Final CD dated XXX is missing from the loan file per Disclosure Tracking Summary in file.  All testing was completed using the CD dated XXX. Please provide final CD for additional testing. 
please note this upld should clear all other open compliance conditions. please and thank you
XXX
XXX: Final Closing Disclosure Provided.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
B
D
A
D
A
A
A
D
B
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050285
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
XXX: Closing disclosure loan terms- Monthly P&I
Closing disclosure loan terms- P&I $XXX does not match Note $XXX. The CD issued XXX data does not match the Note date (missing Final CD issued XXX from loan file).
Document Uploaded.
XXX
Note and Final CD P&I match.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
B
C
A
D
A
A
A
D
B
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050285
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
XXX Total of Payments Test
XXX Required.  The XXX in the amount of $XXX is due to the final CD missing. Please provide the final CD dated XXX for additional testing.  This loan failed the XXX total of payments test. ( 12 CFR §1026.18(o)(1) )The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate because it is understated by more than $XXX and the provided reimbursement amount of $XXX is not sufficient to cure the inaccuracy.
please note this upld should clear all other open compliance conditions. please and thank you
XXX
Final CD provided; exception resolved; Final CD provided; exception resolved
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
B
C
A
D
A
A
A
D
B
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050285
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
XXX Rescission Total of Payments Test
XXX Required.  The XXX Rescission TOP test in the amount of $XXX is due to the final CD missing. Please provide the final CD dated XXX for additional testing. This loan failed the XXX rescission total of payments test. ( 12 CFR §1026.23(g)(1)(ii) )The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate for purposes of rescission because it is understated by more than XXX of XXX percent of the face amount of the note or $XXX, whichever is greater.
please note this upld should clear all other open compliance conditions. please and thank you
XXX
Final CD provided; exception resolved; Final CD provided; exception resolved
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
B
C
A
D
A
A
A
D
B
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050285
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
XXX
XXX Required.  The XXX rescission finance charge test in the amount of $XXX is due to the final CD missing. Please provide the final CD dated XXX for additional testing.  This loan failed the XXX rescission finance charge test.( 12 CFR §1026.23(g)(1) , transferred from  12 CFR §226.23(g)(1) )The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate for purposes of rescission because it is understated by more than XXX of XXX percent of the face amount of the note or $XXX, whichever is greater.
please note this upld should clear all other open compliance conditions. please and thank you
XXX
Final CD provided; exception resolved; Final CD provided; exception resolved
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
B
C
A
D
A
A
A
D
B
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050285
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
XXX
XXX Required.  The XXX in the amount of $XXX is due to the final CD missing. Please provide the final CD dated XXX for additional testing.  This loan failed the XXX.( 12 CFR §1026.38(o)(2) )The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is understated by more than $XXX.
please note this upld should clear all other open compliance conditions. please and thank you
XXX
Final CD provided; exception resolved; Final CD provided; exception resolved
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
B
C
A
D
A
A
A
D
B
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050285
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
XXX
The loan failed the XXX due to missing the final CD. Please provide the final CD dated XXX for additional testing.  This loan failed the XXX. ( 12 CFR §1026.22(a)(2), (4) , transferred from  12 CFR §226.22(a)(2), (4) )The annual percentage rate (XXX) is XXX%. The disclosed XXX of XXX% is not considered accurate because it is more than XXX of XXX percentage point above or below the XXX as determined in accordance with the actuarial method.
please note this upld should clear all other open compliance conditions. please and thank you
XXX
Final CD provided; exception resolved; Final CD provided; exception resolved
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
B
C
A
D
A
A
A
D
B
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050285
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Missing Initial Escrow Disclosure
XXX Disclosure is Missing. Documentation required to clear exception:  Please provide the XXX Disclosure.
please note this upld should clear all other open compliance conditions. please and thank you
XXX
XXX Disclosure is Resolved.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
B
B
A
D
A
A
A
D
B
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050285
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Right of Rescission is Missing
Right of Rescission is Missing. Documentation required to clear exception:  Provide executed Right of Rescission/Right to Cancel disclosure for all borrowers and non-borrowers.
please note this upld should clear all other open compliance conditions. please and thank you
XXX
Right of Rescission is Provided.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
B
D
A
D
A
A
A
D
B
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050285
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
B
A
A
D
A
A
A
D
B
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
B
2026050261
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
XXX: Missing Closing Disclosure
XXX: Missing Final Closing Disclosure. Please provide final signed CD issued XXX for review.
Document Uploaded.
XXX
XXX: Final Closing Disclosure Provided.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
D
A
D
A
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050261
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Audited DTI Exceeds Guideline DTI
Audited DTI of XXX% exceeds Guideline DTI of XXX% Upon receipt of final 1003 and final CD, it appears only $XXX was paid on XXX yet most recent statement reflected a balance of $XXX, therefore, payment of $XXX could not be excluded.  In addition, XXX with a payment of $XXX was not included in the DTI yet not paid on the final CD.  Including the $XXX and $XXX increased the DTI to XXX% which exceeds the max of XXX% allowed per guidelines.
I do not know what happened with the XXX of XXX pay off amount, however the payment on $XXX would not be $XXX.  If you take the logic from the payment on the statement in file, the payment is XXX% of the balance.  That would only be $XXX.
 
The XXX payment - This was in the condition to be paid, not sure why the box was not checked for it to be.
 
But with using the $XXX instead of the $XXX and hitting them for the XXX payment for the one that didn't get paid off, the DTI would be XXX%
 
XXX
Using XXX% of balance for XXX.  Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%.  Condition resolved vs. rescinded due to inaccurate payoffs on final CD and 1003.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
C
A
D
A
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050261
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Income XXX Months Income Verified is Missing
Income XXX Months Income Verified is Missing. Lenders income worksheet includes XXX.  This bank statement is missing and the XXX does not have sufficient income to match the XXX statement.  Please provide the XXX statement for review
Document Uploaded.
XXX
XXX statement received and matches what Lender used to qualify.  Condition cleared.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
C
A
D
A
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050261
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
The Final 1003 is Missing
The Final 1003 is Missing. Please provide the final 1003 for review.
Document Uploaded.
XXX
The Final 1003 is Present
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
D
A
D
A
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050261
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Rescinded
XXX
Compliance
XXX
This loan failed the XXX( 12 CFR §1026.38(o)(2) )The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is understated by more than $XXX. This loan failed the XXX.( 12 CFR §1026.38(o)(2) )The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is understated by more than $XXX. Corrected fees; exception resolved Corrected fees; exception resolved
      
XXX
  
D
A
C
A
D
A
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050261
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Right of Rescission is Missing
Right of Rescission is Missing. Documentation required. Provide executed Right of Rescission for all borrowers and non Borrowers.
Document Uploaded.
XXX
Right of Rescission is Provided.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
D
A
D
A
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050261
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Missing Initial Escrow Disclosure
XXX Disclosure is Missing.
Document Uploaded.
XXX
XXX Disclosure is Resolved.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
B
A
D
A
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050261
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
D
A
A
A
D
A
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050251
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
XXX: Missing Closing Disclosure
XXX: Missing Final Closing Disclosure. Documentation required to clear exception:  The Final CD dated XXX is missing from the loan file per XXX and disclosure tracking.  All testing was completed using CD XXX.  Please provide final CD for additional testing.
Document Uploaded.
XXX
XXX: Final Closing Disclosure Provided.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
D
A
D
A
D
A
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050251
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An 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). XXX Required.  Refund in the amount of $XXX; cure package requires a PCCD, XXX, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to increase of the notary fee from $XXX to $XXX, tax certification fee from $XXX to $XXX, and the tidelands search fee from $XXX to $XXX on the CD dated XXX without valid XXX.  Fees considered non-shoppable as the majority of title fees were in Section B of the initial XXX, and there are no additional XXX per disclosure tracking.
    
Final CD provided; exception resolved; Final CD provided; exception resolved
XXX
Borrower has stable job time - Borrower has XXX years on job.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
D
A
C
A
D
A
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050251
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Missing Initial Escrow Disclosure
XXX Disclosure is Missing. Documentation required to clear exception:  Please provide the XXX Disclosure.
Document Uploaded.
XXX
XXX Disclosure is Resolved.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
D
A
B
A
D
A
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050251
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Right of Rescission is Missing
Right of Rescission is Missing. Documentation required to clear exception:  Provide executed Right of Rescission for all borrowers and non-borrowers.
Document Uploaded.
XXX
Right of Rescission is Provided.
XXX
Borrower has stable job time - Borrower has XXX years on job.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
D
A
D
A
D
A
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050251
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
The Final 1003 is Missing
The Final 1003 is Missing. Missing Final 1003
Document Uploaded.
XXX
The Final 1003 is Present
XXX
Borrower has stable job time - Borrower has XXX years on job.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
D
A
D
A
D
A
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050251
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
D
A
A
A
D
A
A
A
D
A
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
D
D
A
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050276
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Approval/Underwriting Summary Partially Provided
Approval/Underwriting Summary Partially Provided. XXX - $XXX listed in 1008 - is a concurrent loan #XXX Initial PITIA (XXX). Already calculated REO for this property and hit DTI. Due to not including XXX Value DTI reduced by XXX%. Need Revised 1008.
Document Uploaded. ; Document Uploaded.
XXX
Corrected 1008 and CRSE received.  Condition cleared.; 1008/CRSE still reflects an additional $XXX in "XXX" in the DTI.  Please provide documentation to support the additional $XXX.  Thank you.; Material
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
C
A
B
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
2026050276
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Overdraft/NSF Count Exceeds Tolerance
Overdraft/NSF count exceeds tolerance. Overdraft/NSF count exceeds XXX occurrence.
Document Uploaded.
XXX
CRSE received confirming Overdraft/NSF count within tolerance.  Condition cleared.
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050276
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050276
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050279
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Borrower 1 3rd Party VOE Prior to Close Missing
Borrower 1 3rd Party VOE Prior to Close Missing. Borrower 1 3rd Party VOE Prior to Close Missing.
    
XXX Employee- payouts from XXX dated XXX confirm still employed with XXX within XXX days of XXX closing. Okay to accept per management.  Condition cleared.
XXX
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
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
2026050279
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
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
2026050279
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
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
2026050300
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
Third Party Valuation Product Not Provided within XXX% Tolerance
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The XXX reflected a Collateral Underwriter Risk Score of XXX and the XXX XXX reflected the Collateral R & W Relief as Not Eligible. Therefore, a Third Party Valuation Product was required. Please provide a Third Party Valuation Product.
Document Uploaded.
XXX
Documentation is sufficient. CDA provided. Exception resolved.; Third party valuation product provided within tolerance.
XXX
Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
A
A
C
A
C
A
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050300
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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  1002.14(a)(1)). 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.
XXX
Evidence of appraisal delivery provided.
XXX
Borrower has stable job time - Borrower has XXX years on job.
C
A
B
A
A
A
C
A
C
A
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050300
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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 XXX 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 XXX. This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The 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 XXX business days (counting all calendar days except XXX 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 XXX business days (counting all calendar days except XXX 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 XXX business days (counting all calendar days except XXX 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 XXX business days before consummation.
Document Uploaded.
XXX
Initial CD provided; exception resolved; Initial CD provided; exception resolved
XXX
Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
A
A
C
A
C
A
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050300
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
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).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An 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). XXX Required.  Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Discount Points fee on the CD dated XXX without valid XXX.
Document Uploaded.
XXX
Initial CD and valid XXX provided; exception resolved
XXX
Borrower has stable job time - Borrower has XXX years on job.
C
A
C
A
A
A
C
A
C
A
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050300
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
C
A
A
A
A
A
C
A
C
A
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
C
A
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050240
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Higher-Priced Mortgage Loan Test
This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required.  XXX with established XXX and appraisal requirements met. Downgraded
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050240
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050240
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050277
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
Higher-Priced Mortgage Loan Test
This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required.  XXX with established XXX and appraisal requirements met.  Exception downgraded to a A.
   
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050277
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050277
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX 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
2026050312
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050312
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
No Credit Findings
The loan meets all applicable credit guidelines.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050312
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Borrower has stable job time - Borrower has XXX years on job.
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
2026050177
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Credit
Borrower 2 3rd Party VOE Prior to Close Missing
Borrower 2 3rd Party VOE Prior to Close Missing. Guidelines require a verification of existence of business within XXX days of closing. Please provide a VOE dated XXX or later for review.
Document Uploaded. ; Document Uploaded.
XXX
Borrower 2 3rd Party XXX Was Provided.  Condition cleared.
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050177
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050177
  
XXX
XXX
XXX
XXX
XXX
Non-QM: Lender documented all ATR UW factors
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational Only
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
Borrower has stable job time - Borrower has XXX 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
2026050292
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Credit
Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments
Please Provide Letter of Explanation stating that the primary residence does not have HOA dues
Document Uploaded. See uploaded doc showing hoa is $XXX - added $XXX to PITIA and uploaded 1008, 1003, and XXX.
XXX
Documentation is sufficient. Updated 1008, 1003, approval and HOA documentation provided. Exception resolved.
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050292
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Compliance
No Compliance Findings
The loan is in compliance with all applicable laws and regulations.
    
Informational
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050292
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Loan Review Complete
XXX
Resolved
XXX
Property
No Property Findings
Property and valuations related findings were not identified on the loan.
    
Informational
XXX
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.
Borrower has stable job time - Borrower has XXX years on job.
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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
2026050051
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050041
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050006
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Credit
Security Instrument Missing or Defective
Missing mortgage/ deed of trust and assignment of rents for subject property: XXX.
XXX: Mortgage
  
XXX: Received
XXX
  
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
2026050044
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050248
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050007
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050033
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050077
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050088
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050037
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050072
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050093
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050008
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Credit
Hazard Insurance Missing or Defective
XXX effective date of XXX is after the disbursement date of XXX. Please provide updated coverage with an effective date on or before the disbursement date.
XXX: LOE
  
XXX: Received
XXX
  
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
2026050008
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Credit
DSCR Minimum Not Met
Audit DSCR of XXX does not align with client DSCR of XXX. Monthly Breakdown: Income $XXX / P&I $XXX +Insurance $XXX + Taxes $XXX reflects monthly gross income of $XXX. Per guidelines, for purchase transactions, market rent from appraisal is used for DSCR calculation. Please opine.
XXX: CRSE
  
XXX: Received
XXX
  
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
2026050009
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050027
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050025
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050063
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050062
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050074
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050111
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050056
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050264
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Credit
DSCR Minimum Not Met
Audit DSCR of XXX does not align with client DSCR of XXX. Monthly Breakdown: Income $XXX / P&I $XXX +Insurance $XXX + Taxes $XXX. Tax record in file reflects annual tax amount of $XXX and hazard insurance in file reflects annual premium of $XXX. Please opine.
XXX: updated tape
 
XXX: Updated tape received, DSCR XXX confirmed
XXX
  
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
2026050094
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050298
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Credit
Hazard Insurance Missing or Defective
XXX effective date of XXX is after the disbursement date of XXX. Please provide updated coverage with an effective date on or before the disbursement date.
XXX: Hazard
  
XXX: Received
XXX
  
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
2026050298
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Credit
Closing Protection Letter Missing or Defective
Missing closing protection letter (CPL) for subject property: XXX.
XXX: CPL
  
XXX: Received
XXX
  
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
2026050298
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Credit
Title Insurance Missing or Defective
XXX is missing XXX in the mortgagee clause after lender's name.
XXX: Informational
  
XXX: Informational
XXX
  
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
2026050298
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Property
Appraisal Review - Missing
Missing appraisal review for subject property: XXX.
XXX: AVM
  
XXX: Received
XXX
  
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
2026050066
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050013
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Credit
Title Insurance Missing or Defective
XXX in file is preliminary. Please provide supplemental XXX.
XXX: Title
  
XXX: Received
XXX
  
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
2026050039
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050103
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050087
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050017
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050057
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050095
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050015
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Property
Subject Property Lease - Missing or Defective
Missing XXX months rent receipts to use $XXX as qualifying rent
XXX: XXX months rent
  
XXX: Received
XXX
  
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
2026050126
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Property
Appraisal Review - Missing
Missing appraisal review for subject property: XXX.
XXX: CDA
  
XXX: Received
XXX
  
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
2026050164
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050014
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050052
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050260
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Property
Desk Review Variance > XXX%
(-XXX% ) appraisal review variance > XXX% maximum allowed.
XXX: Field review
  
XXX: Received
XXX
  
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
2026050069
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050126
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Property
Ineligible Property
Subject property: XXX has a condition rating of XXX, which does not meet guideline requirements. Per guidelines, only properties with condition ratings of XXX to XXX are permitted.
XXX: Updated appraisal reflecting XXX
  
XXX: Received
XXX
  
D
A
C
A
A
A
D
A
N/A
N/A
D
A
D
N/A
D
A
D
N/A
D
A
D
N/A
D
A
D
N/A
D
A
D
N/A
A
A
A
N/A
A
A
A
N/A
A
A
A
N/A
A
A
A
N/A
A
A
A
N/A
2026050086
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Credit
Title Insurance Missing or Defective
XXX is missing XXX in the mortgagee clause after lender's name.
XXX: Informational
  
XXX: Informational
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
2026050130
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050031
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Credit
Background Check Missing or Defective
Missing background report for subject borrower: XXX
XXX: Background report
  
XXX: Received
XXX
  
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
2026050032
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Credit
Background Check Missing or Defective
Missing background report for subject borrower: XXX.
XXX: Background report
  
XXX: Received
XXX
  
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
2026050092
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050115
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050076
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050089
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Acknowledged
XXX
Credit
Credit Event – Requirement Not Met
Provided credit report reflects XXX. Late mortgage payment dated: XXX. Per guidelines, a maximum of XXX late payments are allowed.
XXX: CRSE
  
XXX: Waived
XXX
FICO XXX, LTV XXX%, DSCR .XXX 
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
2026050098
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Acknowledged
XXX
Property
Ineligible Property
Owner concentration exceeds XXX% which exceeds the limit per guidelines. One entity owns XXX% of the project.
XXX: CRSE
  
XXX: Waived
XXX
FICO XXX, LTV XXX%, DSCR XXX
B
B
B
B
A
A
B
B
N/A
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
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
2026050078
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Credit
Hazard Insurance Missing or Defective
XXX is missing mortgagee clause after lender's name.
XXX: Informational
  
XXX: Informational
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
2026050102
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050021
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050064
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050108
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050255
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Credit
DSCR Minimum Not Met
Audit DSCR of XXX does not align with client DSCR of XXX. Monthly Breakdown: Income $XXX / P&I $XXX +Insurance $XXX + Taxes $XXX. Rental Avm in file reflects market rent of $XXX. Please opine.
XXX: Corrected rent amount - uploaded CRSE with corrected DSCR.
XXX: Confirmed DSCR XXX
XXX
  
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
2026050255
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Credit
DSCR Minimum Not Met
Audit DSCR of XXX does not align with client DSCR of XXX. Monthly Breakdown: Income $XXX / P&I $XXX +Insurance $XXX + Taxes $XXX. Rental Avm in file reflects market rent of $XXX. Please opine.
XXX: Corrected rent amount - uploaded CRSE with corrected DSCR.
XXX: Confirmed DSCR XXX
XXX
  
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
2026050002
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050010
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050145
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050067
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050170
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050262
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050059
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050128
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050132
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Credit
Hazard Insurance Missing or Defective
$XXX hazard insurance coverage < $XXX minimum required. XXX in file is missing mortgagee clause and the lender's name.
XXX: Informational
  
XXX: Informational
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
2026050161
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050110
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Acknowledged
XXX
Credit
Credit Event – Requirement Not Met
Provided credit report reflects XXX. Late mortgage payment dated: XXX and XXX. Per Guideleines, a maximum of XXX late payments are allowed.
XXX: CRSE
  
XXX: Waived
XXX
FICO XXX, LTV XXX%, DSCR XXX
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
2026050208
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050189
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Property
Appraisal Review - Missing
Missing Appraisal Review For Property : XXX
XXX: XXX
  
XXX: Received
XXX
  
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
2026050275
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050172
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Property
Appraisal Review - Missing
Missing Appraisal Review For Property : XXX
XXX: CDA
  
XXX: Received
XXX
  
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
2026050019
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Acknowledged
XXX
Credit
Minimum Credit Score Requirement Not Met
XXX FICO < XXX minimum FICO score required ; no cash out refinance transactions ; XXX property.
XXX: Waived via CRSE
  
XXX: Waived
XXX
DSCR XXX, LTV XXX%, XXX 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
2026050167
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050263
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050183
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050171
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050150
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050043
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050271
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050196
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050116
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050184
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050245
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050141
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050047
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050023
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050030
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Credit
Hazard Insurance Missing or Defective
Missing flood certificate for subject property: XXX
XXX: Flood Cert
  
XXX: Received
XXX
  
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
2026050180
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050169
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050058
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Credit
Hazard Insurance Missing or Defective
XXX in file is missing XXX number.
XXX: Informational
  
XXX: Informational
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
2026050272
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050215
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050206
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Credit
Hazard Insurance Missing or Defective
XXX is missing mortgagee clause after lender's name.
XXX: Informational
  
XXX: Informational
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
2026050048
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050193
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Acknowledged
XXX
Credit
Non-Occupant Borrower Requirements Not Met
Subject borrower has been living rent free for more than XXX months, exceeding the guideline requirement that limits rent free occupancy to less than XXX months.
XXX: CRSE
  
XXX: Waived
XXX
FICO XXX, DSCR XXX,XXX
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
2026050136
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Credit
Asset Documentation Missing or Defective
Please provide the XXX for XXX confirming that the borrower holds at least XXX% ownership interest, so that the funds in XXX can be verified.
XXX: Articles
  
XXX: Clear
XXX
  
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
2026050186
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Acknowledged
XXX
Credit
Non-Occupant Borrower Requirements Not Met
Subject borrower has been living rent free for more than XXX months, exceeding the guideline requirement that limits rent free occupancy to less than XXX months.
XXX: CRSE
  
XXX: Waived
XXX
FICO XXX, DSCR XXX, XXX 
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
2026050135
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050286
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050212
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Acknowledged
XXX
Credit
Non-Occupant Borrower Requirements Not Met
Subject borrower has been living rent free for more than XXX months, exceeding the guideline requirement that limits rent free occupancy to less than XXX months.
XXX: CRSE
  
XXX: Waived
XXX
FICO XXX, DSCR XXX, XXX 
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
2026050113
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Property
Appraisal Review - Missing
Missing appraisal review for subject property: XXX. CDA in file does not reflect the correct property address.
XXX: CDA
  
XXX: Received
XXX
  
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
2026050308
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050143
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Credit
Background Check Missing or Defective
Missing background report for subject borrower: XXX.
XXX: Background report
  
XXX: Received
XXX
  
D
B
D
A
D
A
B
B
N/A
N/A
D
D
B
N/A
D
D
B
N/A
D
D
B
N/A
D
D
B
N/A
D
D
B
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
2026050143
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Credit
Title Insurance Coverage - Inadequate Coverage
$XXX title insurance coverage < $XXX minimum coverage required.
XXX: Informational
  
XXX: Informational
XXX
  
D
B
A
A
D
A
B
B
N/A
N/A
D
D
B
N/A
D
D
B
N/A
D
D
B
N/A
D
D
B
N/A
D
D
B
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
2026050143
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Acknowledged
XXX
Property
Ineligible Property
Per XXX questionnaire in file, XXX% of the XXX units are delinquent, which exceeds the maximum XXX% delinquency threshold allowed.
XXX: CRSE
  
XXX: Waived
XXX
LTV XXX%, DSCR XXX, XXX months reserves
D
B
B
B
D
A
B
B
N/A
N/A
D
D
B
N/A
D
D
B
N/A
D
D
B
N/A
D
D
B
N/A
D
D
B
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
2026050233
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050223
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050071
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Credit
Hazard Insurance Missing or Defective
XXX is missing mortgagee clause after lender's name.
XXX: Informational
  
XXX: Informational
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
2026050230
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050301
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Credit
Closing Protection Letter Missing or Defective
Missing closing protection letter (CPL) for subject property: XXX.
XXX: CPL
  
XXX: Received
XXX
  
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
2026050270
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050238
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050250
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Credit
Closing Documentation Missing or Defective
Tape reflects loan amount of $XXX and P&I of $XXX. In file the note and mortgage reflect a loan amount of $XXX and P&I of $XXX. Please provide updated note and mortgage to reflect loan amount of $XXX and P&I of $XXX.
XXX: Uploaded docs
  
XXX: Received
XXX
  
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
2026050020
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050241
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Property
Appraisal Review - Missing
Missing appraisal review for subject property: XXX
XXX: CDA
  
XXX: Received
XXX
  
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
2026050229
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050241
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Acknowledged
XXX
Credit
Mortgage Payment History Missing or Defective
Mortgage statements in file reflect a late payment history of XXX; late payments dated XXX and XXX. Per guidelines, XXX late payments are allowed.
XXX: CRSE
  
XXX: Waived
XXX
Fico XXX, LTV XXX%, XXX months reserves
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
2026050168
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050001
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Credit
Background Check Missing or Defective
Missing background report for subject borrower: XXX
XXX: Background report
  
XXX: Received
XXX
  
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
2026050003
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Acknowledged
XXX
Property
Ineligible Property
 The XXX shows XXX units sold out of XXX total units. XXX XXX guidelines require XXX% sold and closed for XXX transactions. Project does not meet this requirement. Provide documentation evidencing project meets XXX% sold and closed requirement or provide XXX/underwriter project approval addressing this guideline.
XXX: CRSE
  
XXX: Waived
XXX
FICO XXX, LTV XXX%, XXX months 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
2026050221
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050225
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050213
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050175
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050291
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Acknowledged
XXX
Credit
Mortgage Payment History Missing or Defective
Mortgage statements in file reflect a late payment history of XXX; late payments dated XXX and XXX. Per guidelines, XXX late payments are allowed.
XXX: CRSE
  
XXX: Waived
XXX
Fico XXX, LTV XXX%, XXX 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
2026050185
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050159
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Credit
Hazard Insurance Missing or Defective
XXX is missing mortgagee clause after lender's name.
XXX: Informational
  
XXX: Informational
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
2026050190
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050049
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Property
Appraisal Review - Missing
Missing appraisal review for subject  property: XXX.
XXX: CDA
  
XXX: Received
XXX
  
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
2026050012
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Credit
Closing Documentation Missing or Defective
Missing Closing Disclosure (HUD) for subject property: XXX.
XXX: HUD
  
XXX: Received
XXX
  
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
2026050265
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050182
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050273
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050156
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050219
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Credit
Hazard Insurance Missing or Defective
XXX is missing the XXX mortgagee clause after the lender's name. Please provide an updated XXX with XXX.
XXX: Clear
  
XXX: Clear
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
2026050194
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050134
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Credit
DSCR Minimum Not Met
Audit DSCR of XXX does not align with client XXX. Monthly Breakdown: Income $XXX / P&I $XXX +Insurance $XXX+ Taxes $XXX.  Tax certificate in file reflects $XXX annual school tax and $XXX county taxes. Please opine.
XXX: CRSE
  
XXX: Received
XXX
  
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
2026050125
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Property
Appraisal Review - Missing
Missing appraisal review for subject property: XXX.
XXX: CDA
  
XXX: Received
XXX
  
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
2026050199
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050216
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Credit
Closing Protection Letter Missing or Defective
Closing Protection Letter is missing mortgagee clause after lender's name.
XXX: Informational
  
XXX: Informational
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
2026050210
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050203
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050133
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Credit
Payoff Statement Missing or Defective
Missing payoff statement for $XXX to XXX. Per guidelines, please provide a payoff statement to clear it off of XXX.
XXX: Payoff
  
XXX: Received
XXX
  
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
2026050154
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Acknowledged
XXX
Credit
Background Check Missing or Defective
Subject borrower has filed XXX within the past XXX years which is ineligible per guidelines. XXX date: XXX. Disposition date: XXX.
XXX: CRSE
  
XXX: Waived
XXX
DSCR XXX, LTV XXX%, XXX 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
2026050218
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
Hazard Insurance Missing or Defective
The evidence of insurance provided does not include the agent's signature. Please provide an updated evidence of insurance signed and dated by the insurance agent.
XXX: Informational
  
XXX: Informational
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
2026050237
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050195
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050289
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Credit
Note Missing or Defective
Prepayment Penalty is not allowed per guidelines. For the state of XXX the max prepayment is XXX% for XXX year, XXX% for XXX year and XXX% for XXX year. The PPP in file reflects XXX months interest for XXX months which is not allowed per guidelines.
XXX: Prepayment addendum
  
XXX: Received
XXX
  
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
2026050205
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Credit
Closing Documentation Missing or Defective
The closing disclosure (HUD) for subject property: XXX in file is incomplete. Please provide the complete Closing Disclosure.
XXX: HUD
  
XXX: Received
XXX
  
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
2026050165
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050226
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050231
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050211
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050153
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Property
Appraisal Review - Missing
Missing appraisal review for subject property: XXX.
XXX: CDA
  
XXX: Received
XXX
  
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
2026050112
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050155
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Credit
Security Instrument Missing or Defective
Missing mortgage/ deed of trust and assignment of rents for subject property: XXX.
XXX: Mortgage
 
XXX: Received
XXX
  
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
2026050235
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Credit
Credit Event – Requirement Not Met
Missing tax documentation in file to verify the $XXX annual taxes used in the DSCR calculation. Tax certificate in file reflects $XXX annual property taxes.
XXX: Updated CRSE
  
XXX: Received
XXX
  
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
2026050288
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050082
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050290
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050181
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050118
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050198
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Acknowledged
XXX
Property
Ineligible Property
Per guidelines, XXX with a maximum of XXX acres are eligible for refinancing. Subject property consistes of XXX acres and is therefore ineligible.
XXX: CRSE
  
XXX: Waived
XXX
LTV XXX%, Fico XXX, XXX months reserves
B
B
B
B
A
A
B
B
N/A
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
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
2026050131
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050293
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
No Findings
No Findings
This loan meets all applicable guidelines
XXX: Clear
  
XXX: Clear
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
2026050035
  
XXX
XXX
XXX
XXX
XXX
ATR/QM: Exempt
Closed
XXX
Cleared
XXX
Credit
Hazard Insurance Missing or Defective
XXX in file is missing the XXX. Please provide an updated XXX.
XXX: Insurance
  
XXX: Received
XXX
  
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