EXHIBIT 99.7
CONSOLIDATED ANALYTICS EXCEPTION GRADES REPORT
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 97 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
03/12/2026 | Acknowledged | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure |
Required Affiliated Business Disclosure Missing Required Affiliated Business Disclosure Missing | Acknowledged, accepting 2/B grading. | 04/08/2026 | 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 47.65% is less than Guideline CLTV of 89.9% | 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 47.65% is less than Guideline LTV of 89.9% | C | B | B | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 97 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
03/12/2026 | Resolved | finding- 3526 |
Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) |
Revised Loan Estimate is dated XX/XX/XXXX less than seven business days prior to closing of XX/XX/XXXX. Provide documentation to show the borrower received the revised LE at least XXX business days prior to consummation This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:“USPS First Class Mail” or “Electronic Delivery” or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or”In Person” and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he XXX shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the XXX provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the XXX delivers or places such version in the mail. | Document Uploaded. | 03/25/2026 | LE acknowledgement date received- exception resolved; LE acknowledgement date received- exception resolved | 03/26/2026 | 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 47.65% is less than Guideline CLTV of 89.9% | 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 47.65% is less than Guideline LTV of 89.9% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 97 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
03/10/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 03/12/2026 | 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 47.65% is less than Guideline CLTV of 89.9% | 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 47.65% is less than Guideline LTV of 89.9% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 97 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
03/10/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 03/12/2026 | 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 47.65% is less than Guideline CLTV of 89.9% | 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 47.65% is less than Guideline LTV of 89.9% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 169 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
04/20/2026 | Cured | finding- 3634 |
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 lease 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). TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Fraud Fee added with no valid COC in file. | Document Uploaded. | 05/28/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 05/29/2026 | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 169 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
04/20/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation.  Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Acknowledged, accepting 2/B grading | 04/23/2026 | 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 | B | 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 |
| 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) |
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| 106 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
04/21/2026 | Resolved | FVAL3825 | Property | FEMA Declared Disaster Dated Prior to the XXX, After Appraisal Date |
Property located in FEMA Declared Disaster Area with no subsequent property Inspection. | Document Uploaded. | 05/26/2026 | Property Inspection Provided.; Inspection report provided — Inspection date XX/XX/XXXX | 05/27/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% | 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. | D | A | C | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 106 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
04/21/2026 | Resolved | FPRO0383 | Property | FEMA Post Disaster Inspection Report not Provided |
The subject property is a FEMA disaster case; however, the inspection report was not provided. | Document Uploaded. | 05/26/2026 | FEMA Post Disaster Inspection report was provided.; Inspection report provided — Inspection date XX/XX/XXXX | 05/27/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% | 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. | D | A | D | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 106 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
04/21/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 04/24/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% | 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. | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 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) |
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| 106 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
04/21/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 04/24/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% | 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. | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 167 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
04/21/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. | Copy of Email Delivery | 06/19/2026 | Document received; Finding Resolved. Document Uploaded. | 06/23/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 67.15% is less than Guideline LTV of 89.99% | 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 67.15% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 167 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
04/21/2026 | Acknowledged | FCRE1197 | Credit | Audited FICO is less than Guideline FICO |
Audited FICO of XXX is less than Guideline FICO of XXX | Document Uploaded. | 05/27/2026 | Lender exception approval for a XXX point XXX exception for portfolio XXX R/T refi — XXX vs XXX score cutoff. Borrower meets XXX comp factors. XXX. Credit is over XXX yrs. ago, Accumulated Assets totaling XXX Reduction in PITIA: XXX to XXX , B: XX/XX/XXXX mots at Employer as an XXX, prior Empl XXX yrs in same field.; The minimum fico score per guidelines is XXX The Borrower’s fico score is XXX below guideline minimum. However, a credit exception was approved to allow for the lower fico score, citing compensating factors of all credit in the last XXX months is paid as agreed and a reduction in PITIA. Acknowledged and downgraded. | 05/28/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 67.15% is less than Guideline LTV of 89.99% | 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 67.15% is less than Guideline CLTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 167 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
04/21/2026 | Resolved | finding- 3634 |
Compliance | Charges That Cannot Increase Test |
TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal fee added to LE XX/XX/XXXX without a COC. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. 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. | 05/05/2026 | Valid COC provided — exception resolved; Valid COC provided — exception resolved | 05/06/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 67.15% is less than Guideline LTV of 89.99% | 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 67.15% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 167 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
04/21/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 04/24/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 67.15% is less than Guideline LTV of 89.99% | 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 67.15% is less than Guideline CLTV of 89.99% | C | B | A | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 110 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
04/24/2026 | Resolved | finding- 3634 |
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 lease 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal fee on the Final CD dated XX/XX/XXXX. COC in the file dated XX/XX/XXXX simply States appraisal fee added but does not provide a sufficient reason for the increase and the date does not match documentation in the file. | Document Uploaded. The XX States a XXX of XXX was added which increased the appraisal fee ; Document Uploaded. | 05/11/2026 | Valid COC provided for increase in appraisal fee, CDA required but cost included in appraisal fee; exception resolved ; Valid COC provided for increase in appraisal fee, CDA required but cost included in appraisal fee; exception resolved ;. COC in the file dated XX/XX/XXXX simply States appraisal fee added but does not provide a sufficient reason for the increase and the date does not match documentation in the file. | 05/12/2026 | 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 | 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 |
| 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) |
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| 110 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
04/23/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 04/24/2026 | Qualifying DTI below max allowed. — Calculated DTI of 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 111 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
04/24/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 04/29/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 111 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
04/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 04/29/2026 | 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 |
| 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) |
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| 109 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
04/29/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non- subject property |
Missing verification of real eState taxes for XXX properties located at XXX and XXX. | Document Uploaded. | 05/11/2026 | Documentation is sufficient. Tax information provided. Exception resolved. | 05/12/2026 | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 109 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
04/28/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 04/30/2026 | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 109 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
04/29/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 04/30/2026 | 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 | 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 |
| 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) |
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| 103 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
04/29/2026 | Resolved | FCRE1164 | Credit | Flood Insurance Policy Missing |
Missing Flood Insurance Policy The file did not contain the actual policy but the information was found on the CD. | Document Uploaded. | 05/11/2026 | Flood Insurance Policy is fully present. Condition cleared. | 05/12/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 103 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
04/30/2026 | Resolved | FPRO8998 | 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 | 04/30/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 103 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
04/30/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 04/30/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 158 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
04/29/2026 | Resolved | finding- 3634 |
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 lease 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the addition of Discount Points added to the final CD dated XX/XX/XXXX. File does not contain any COC’s. There is a reimbursement on the CD in the amount of XXX which were applied to the addition of the MERS fees added to the initial CD. | Document Uploaded. | 05/11/2026 | Valid COC provided — exception resolved; Valid COC provided — exception resolved | 05/12/2026 | 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 60% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 158 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
04/30/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 04/30/2026 | 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 60% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 158 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
04/30/2026 | Resolved | FPRO8998 | 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 | 04/30/2026 | 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 60% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 89.99% | 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 |
| 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) |
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| 99 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/05/2026 | Resolved | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments |
The XXX Transmittal Summary reflects the borrower is responsible for XXX in monthly HOA Dues on the subject property, However missing verification of HOA Dues | Document Uploaded. | 05/27/2026 | Client provided copy of XXX with $XXX/XXX = XXX Dues per household. This increased the DTI to XXX%. | 05/28/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 72.7% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.7% is less than Guideline CLTV of 89.99% | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 99 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/04/2026 | Resolved | finding- 3634 |
Compliance | Charges That Cannot Increase Test |
TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the addition of the Appraisal Re-Inspection fee on the LE dated XX/XX/XXXX. The UCDP report was originally submitted on XX/XX/XXXX however fee was not disclosed to the borrower until XX/XX/XXXX which is not within XXX days of the increase. 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 lease 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. | 05/15/2026 | valid COC provided, exception resolved; valid COC provided, exception resolved | 05/18/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 72.7% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.7% is less than Guideline CLTV of 89.99% | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 99 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/04/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/06/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 72.7% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.7% is less than Guideline CLTV of 89.99% | 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 | 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 |
| 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) |
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| 156 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/05/2026 | Resolved | FCRE1964 | Credit | Missing income documentation |
The loan file contained the Final 1003 reflected B2 as XXX with XXX% or more ownership; however, the XXX K-XXX reflects borrower has XXX% ownership. WVOE, dated XX/XX/XXXX, was provided reflecting the business is located at the borrower’s primary address and the verbal verification of employment, dated XX/XX/XXXX does not reflect any ownership. The loan file also contained the Articles of Incorporation and XXX search which only reflects the borrower as a member. The loan file contained an UW Submission Coversheet, dated XX/XX/XXXX, reflecting there was an error on the 1003 and the K-XXX provided evidence of XXX% ownership. The loan file also contained an initial 1003 dated XX/XX/XXXX, which reflected XXX% ownership, and an unsigned 1003 reflecting less than XXX% Provide documentation for clarification of the current percentage of ownership in the business. Other conditions may apply. | Document Uploaded. I engaged the underwriting team, please see their response attached | 05/26/2026 | UW response and snippets provided. | 05/27/2026 | 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 | B | D | A | D | B | 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 | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 156 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/05/2026 | Acknowledged | FCRE7347 | Credit | Missing Lease Agreement |
The final loan application reflected the property located at XXX , XXX was leased for XXX per month. The loan file contained the lease agreement, dated XX/XX/XXXX, reflecting rental income of XXX with the tenant’s name as XXX. The lease reflected a total payment required of XXX ($XXX rent + XXX security deposit). The loan file contained XXX #XXX reflecting a deposit of XXX was received on XX/XX/XXXX, which was the day prior to the lease being signed. In addition, the lease reflected B1 as XXX and the pages were initialed by B1 and signed by B1 on page XXX; however, page XXX of lease reflects a broker representing the XXX. The loan file also contained a XXX search of the tenant, dated XX/XX/XXXX which reflected the tenant just purchased a home XX/XX/XXXX. The loan file contained the XXX search on the property, dated XX/XX/XXXX, which reflected estimated rent of XXX The loan file also contained a XXX Review which reflected an issue with the lease. Lender to provide clarification and documentation to support the use of the lease. | Document Uploaded. I engaged the underwriting team, please see their response attached | 05/26/2026 | Evidence of GL exception applied at origination allowing XXX rental income to be used for qualification provided. Current fully executed lease, 1007/1025, and evidence of security deposit and first month’s rent obtained and provided in addition to tenant’s drivers license which was determined sufficient documentation to evidence tenants eligibility. Finding acknowledged/downgraded. | 05/27/2026 | 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 | B | D | B | D | B | 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 | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 156 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/05/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts |
Fraud Report Shows Uncleared Alerts The fraud report, dated XX/XX/XXXX reflects uncleared high alerts for Borrower 1 for self-employment, current residence address matches employer address from business search. The loan file contained the Final 1003 reflected borrower as XXX with XXX% or more ownership; however, the XXX K-XXX reflects borrower has XXX% ownership. WVOE, dated XX/XX/XXXX, was provided reflecting the business is located at the borrower’s primary address and the verbal verification of employment, dated XX/XX/XXXX does not reflect any ownership. The loan file also contained the Articles of Incorporation and XXX search which only reflects the borrower as a member. Provide documentation for clarification of the percentage of ownership in the business. Other conditions may apply. | Document Uploaded. I engaged the underwriting team, please see their response attached | 05/26/2026 | All Fraud Report Alerts have been cleared or None Exist; Client provided responses, fraud evidence and identification evidence. | 05/27/2026 | 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 | B | C | A | D | B | 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 | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B |
| 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) |
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| 156 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/05/2026 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) |
Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. The lender’s guidelines require XXX months PITIA reserves for subject property and XXX months monthly PITIA for each additional property when financed properties have an aggregate balance of over XXX The borrowers have two properties with a total of XXX mortgages with an outstanding balance of XXX The borrower is short reserves in the amount of $XXX. | Document Uploaded. Borrowers have sufficient funds — Required funds: XXX (EMD XXX + gift XXX = subtotal XXX + reserves $XXX) — Verified funds: XXX (EMD XXX + gift XXX + cash $XXX) XXX #XXX XX/XX/XXXX XX/XX/XXXX XXX #XXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EMD cleared XX/XX/XXXX ; Document Uploaded. Per the attached asset worksheet, borrowers have verified sufficient fund to cover required reserves. | 05/21/2026 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; Audited Reserves of XXX are less than Guideline Required Reserves of $XXX.; Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. The lender’s guidelines require XXX months PITIA reserves for subject property and XXX months monthly PITIA for each additional property when financed properties have an aggregate balance of over XXX The borrowers have two properties with a total of XXX mortgages with an outstanding balance of XXX The borrower is short reserves in the amount of $XXX. Exception remains as lender used XXX months reserves for subject property on the worksheet provided vs XXX months required y guidelines. | 05/22/2026 | 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 | B | C | A | D | B | 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 | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 156 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/05/2026 | Acknowledged | finding- 3367 |
Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test |
This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator’s XXX (or the date XXX received application if loan Originator’s XXX is not provided); or The homeownership counseling organizations disclosure date is after the closing date. Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant’s location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data. This calculation take into account a user-submitted designation of the days that the XXX’s office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. | ; Acknowledged, accepting 2/B grading | 05/18/2026 | 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 | B | B | B | D | B | 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 | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 156 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/05/2026 | Resolved | finding- 3634 |
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 lease 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). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the XXX of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the XXX of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. | Document Uploaded. | 05/15/2026 | Initial LE provided — exception resolved; Initial LE provided — exception resolved | 05/18/2026 | 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 | B | C | A | D | B | 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 | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B |
| 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) |
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| 156 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/05/2026 | Resolved | finding- 3635 |
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 XXX or an affiliate of the XXX; and(C) The XXX permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the XXX of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the XXX of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. | Document Uploaded. | 05/15/2026 | Initial LE provided — exception resolved; Initial LE provided — exception resolved | 05/18/2026 | 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 | B | C | A | D | B | 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 | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 156 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/05/2026 | Resolved | finding- 3515 |
Compliance | Initial Loan Estimate Delivery Date Test (from application) |
This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) The initial loan estimate delivery date is later than the third business day (counting days on which the XXX’s offices are open to the public for carrying on substantially all of its business functions) after the XXX or broker receives the consumer’s written application. Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure. This calculation takes into account a user-submitted designation of the days that the XXX’s office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe XXX shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the XXX receives the consumer’s application. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of XX/XX/XXXX. | Document Uploaded. | 05/15/2026 | Initial LE provided — exception resolved; Initial LE provided — exception resolved | 05/18/2026 | 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 | B | C | A | D | B | 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 | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 156 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/05/2026 | Resolved | FCRE9785 | Credit | Purchase Contract is Incomplete |
Loan Purpose is Purchase but Purchase Contract Doc is Incomplete The Purchase Agreement reflects a loan amount of $XXX; however, the Note evidences a loan amount of XXX Please provide a fully executed addendum to the Purchase Agreement reflecting the updated loan amount to ensure consistency across all loan documentation. | This is not a valid request. The loan amount can change without an addendum being issued. If the Sales Price changed, then an addendum would be required. | 05/11/2026 | Upon further review, the file contains a complete contract. Addendum for the purchase price States “All other terms and conditions remain the same.” Condition cleared. ; Purchase Contract Doc is complete. | 05/11/2026 | 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 | B | B | A | D | B | 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 | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 156 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/05/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 05/06/2026 | 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 | B | A | A | D | B | 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 | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 172 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/04/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided |
Missing Third Party Fraud Report Missing Third Party Fraud Report | Document Uploaded. | 05/14/2026 | Documentation provided is sufficient. Exception resolved.; Third Party Fraud Report is provided | 05/15/2026 | 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 | B | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 172 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/05/2026 | Acknowledged | FCOM5135 | 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. | Acknowledged, accepting 2/B grading | 05/07/2026 | 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 | B | B | D | A | A | A | B | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 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) |
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| 172 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/04/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/06/2026 | 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 | B | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 102 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/08/2026 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) |
B2’s application reflects in Section XXX: Declarations, XXX that B2 is a co-signer or guarantor on any debt or loan that is not disclosed on the application. The loan file does not contain the documentation regarding this debt or loan. Other conditions may apply. | Document Uploaded. Not a co-signer | 05/29/2026 | LOX provided by borrower. “This letter is to confirm I am not a co-signer or guarantor on any debt or loan that was not disclosed on my loan application. That question was mistakenly marked as “Yes” on my loan application, but it should be marked “No”. Resolved | 06/01/2026 | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 102 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/08/2026 | Resolved | FCRE4104 | Credit | Missing explanation and supporting documentation for large deposit(s) |
XXX States when depository assets are used to support the amount of funds required and reserves, document that any deposit that exceeds XXX that is being used for the down payment, closing costs, or financial reserves is from an acceptable source. XXX also reflects assets with XXX checking in the amount of XXX are being used. XXX months bank Statements for XXX checking #XXX, XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX with a current balance of XXX reflect a large deposit on XX/XX/XXXX in the amount of XXX The loan file is missing the documentation for the large deposit. | Document Uploaded. Assets required are XXX + XXX + XXX = $XXX. The large deposit of XXX was backed out and not used. Total Assets are XXX which are sufficient ($XXX + XXX + XXX + XXX + $XXX) | 05/18/2026 | Documentation is sufficient. LOE for deposit provided. Exception resolved. | 05/19/2026 | 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 | 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 |
| 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) |
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| 102 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/08/2026 | Acknowledged | FCRE9785 | Credit | Purchase Contract is Incomplete |
Loan Purpose is Purchase but Purchase Contract Doc is Incomplete The Purchase Agreement reflects a loan amount of $XXX; however, the Note evidences a loan amount of XXX Please provide a fully executed addendum to the Purchase Agreement reflecting the updated loan amount to ensure consistency across all loan documentation. | Acknowledged, accepting 2/B grading. | 05/13/2026 | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 102 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/08/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 05/11/2026 | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 102 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/08/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/11/2026 | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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) |
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| 107 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/08/2026 | Resolved | FCRE6763 | Credit | Income documentation does not meet guidelines |
1003 States Other Income of XXX which is described of distribution of a shared ownership in a surgery center/contract. The contract supporting this income stream or any other verification is not in file. | Document Uploaded. ; Document Uploaded. Removed the “Other” income | 05/28/2026 | Lender removed other income and XXX income for XXX. Revised 1003, XXX and XXX received. Updated DTI remains within guidelines. Condition cleared.; 1003, XXX and XXX provided. Client States other income removed however only removed from 1003. XXX and XXX still reflect other income. Countered. | 05/29/2026 | 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 68.42% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.42% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 107 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/08/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/11/2026 | 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 68.42% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.42% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 107 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/08/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/11/2026 | 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 68.42% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.42% is less than Guideline CLTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 105 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/11/2026 | Acknowledged | finding- 3367 |
Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test |
Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX business days of application of XX/XX/XXXX. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator’s XXX (or the date XXX received application if loan Originator’s XXX is not provided); or The homeownership counseling organizations disclosure date is after the closing date. Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant’s location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data. This calculation take into account a user-submitted designation of the days that the XXX’s office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company’s offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict. Please note: This test does not validate the content of any list of homeownership counseling organizations. | Acknowledged, accepting 2/B grading. | 05/21/2026 | 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 | B | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 105 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/11/2026 | Resolved | finding- 3634 |
Compliance | Charges That Cannot Increase Test |
TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the XXX of XX/XX/XXXX, as the earliest provided LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the XXX of XX/XX/XXXX. Additional testing will be completed, once the initial LE 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 lease 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. | 05/20/2026 | Initial LE provided — exception resolved; Initial LE provided — exception resolved | 05/21/2026 | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 105 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/11/2026 | Resolved | finding- 3635 |
Compliance | Charges That In Total Cannot Increase More Than XXX% Test |
TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the XXX of XX/XX/XXXX, as the earliest provided LE is dated XX/XX/XXXX. Please provide the initial LE and Written List of Service Providers issued within XXX business days of the XXX of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. 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 XXX or an affiliate of the XXX; and(C) The XXX permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). | Document Uploaded. | 05/20/2026 | Initial LE provided — exception resolved; Initial LE provided — exception resolved | 05/21/2026 | 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 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 105 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/11/2026 | Resolved | finding- 3515 |
Compliance | Initial Loan Estimate Delivery Date Test (from application) |
Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of XX/XX/XXXX. This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) The initial loan estimate delivery date is later than the third business day (counting days on which the XXX’s offices are open to the public for carrying on substantially all of its business functions) after the XXX or broker receives the consumer’s written application. Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure. This calculation takes into account a user-submitted designation of the days that the XXX’s office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company’s offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict. The XXX shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the XXX receives the consumer’s application. | Document Uploaded. | 05/20/2026 | Initial LE provided — exception resolved; Initial LE provided — exception resolved | 05/21/2026 | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 105 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/13/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational. | 05/13/2026 | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 105 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational. | 05/13/2026 | 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 | 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 |
| 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) |
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| 115 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/11/2026 | Resolved | FVAL9739 | Property | Property/ Appraisal General |
Property/Appraisal guideline violation: Deed of trust checked the PUD rider and PUD rider document is available in the loan package. However, the appraisal report identifies the XXX as XXX. | Document Uploaded. | 06/01/2026 | Property/Appraisal Meets Guidelines; Updated DOT with corrected rider section. | 06/02/2026 | 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 | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 115 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/11/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided |
Missing Third Party Fraud Report Provide a copy of Fraud Report | Document Uploaded. Fraud reports | 05/18/2026 | Documentation is sufficient. Fraud report provided. Exception resolved.; Third Party Fraud Report is provided | 05/19/2026 | 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 | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 115 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/11/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/11/2026 | 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 | D | A | A | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 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) |
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| 171 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/12/2026 | Resolved | finding- 3635 |
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 XXX or an affiliate of the XXX; and(C) The XXX permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the XXX of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX Please provide the initial LE issued within XXX business days of the XXX of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. | Document Uploaded. | 05/28/2026 | Initial LE provided; exception resolved; Initial LE provided; exception resolved | 05/28/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 71.43% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.43% is less than Guideline CLTV of 89.99% | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 171 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/12/2026 | Resolved | finding- 3515 |
Compliance | Initial Loan Estimate Delivery Date Test (from application) |
This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) The initial loan estimate delivery date is later than the third business day (counting days on which the XXX’s offices are open to the public for carrying on substantially all of its business functions) after the XXX or broker receives the consumer’s written application. Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure. This calculation takes into account a user-submitted designation of the days that the XXX’s office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company’s offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict. The XXX shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the XXX receives the consumer’s application. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per Acknowledgment of Receipt) is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of XXX XX/XX/XXXX | Document Uploaded. | 05/28/2026 | Initial LE provided; exception resolved; Initial LE provided; exception resolved | 05/28/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 71.43% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.43% is less than Guideline CLTV of 89.99% | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 171 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/12/2026 | Resolved | finding- 3634 |
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 lease 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). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the XXX of XX/XX/XXXX as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the XXX of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. | Document Uploaded. | 05/28/2026 | Initial LE provided; exception resolved; Initial LE provided; exception resolved | 05/28/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 71.43% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.43% is less than Guideline CLTV of 89.99% | 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 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 171 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/11/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided |
Missing Third Party Fraud Report Missing Third Party Fraud Report | Document Uploaded. | 05/22/2026 | Third Party Fraud Report is provided; Fraud evidence provided. | 05/26/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 71.43% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.43% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 171 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/11/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/14/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 71.43% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.43% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 171 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/12/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation.  Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Acknowledged, accepting 2/B grading | 05/14/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 71.43% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.43% is less than Guideline CLTV of 89.99% | 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 | B | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 171 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/12/2026 | Acknowledged | FCOM5135 | 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. | Acknowledged, accepting 2/B grading | 05/14/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 71.43% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.43% is less than Guideline CLTV of 89.99% | 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 | B | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 171 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/13/2026 | Acknowledged | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing |
Homeownership Counseling Disclosure Is Missing Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. | Acknowledged, accepting 2/B grading | 05/14/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 71.43% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.43% is less than Guideline CLTV of 89.99% | 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 | B | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 136 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/11/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/14/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 136 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/11/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/14/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 136 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/12/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/14/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 104 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/14/2026 | Resolved | finding- 3532 |
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 six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or”In Person” and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or The initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction The XXX shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer prior to the consummation date XX/XX/XXXX . The violation can be cured by providing proof of delivery/receipt of Initial CD at least XXX days prior to closing. | Document Uploaded. ; Document Uploaded. | 05/28/2026 | Initial CD receipt date provided; exception resolved; Initial CD receipt date provided; exception resolved | 05/29/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 104 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/14/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/15/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 104 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/15/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 108 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/14/2026 | Resolved | FCRE1253 | Credit | Missing Property Tax Cert |
Missing Property Tax Cert Provide Property tax documentation to support monthly payments of XXX tax document provided reflects payments of $XXX. | Document Uploaded. | 06/01/2026 | Property Tax Cert Provided; Client response along with updated 1003 and XXX provided. | 06/02/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% | 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 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 108 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/14/2026 | Resolved | FCRE1185 | Credit | AUS Partially Provided |
AUS Partially Provided. Provide all pages to Submission number XXX file contains XXX page additional XXX Submissions reflect XXX pages. | Document Uploaded. | 05/19/2026 | AUS is not incomplete.; Full AUs provided. | 05/20/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 108 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/14/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 05/15/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 108 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/15/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 113 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/14/2026 | Resolved | finding- 3634 |
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 lease 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Mortgage Broker Fee on the initial CD issued XX/XX/XXXX. The loan file does not contain a valid COC for the addition of the fee. | Document Uploaded. | 05/29/2026 | Valid COC provided, Exception resolved; Valid COC provided, Exception resolved | 06/01/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 113 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/14/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non- subject property |
For XXX property located at XXX , the HOA dues are Stated on the 1003 but are not verified in the file. | Document Uploaded. XXX | 05/26/2026 | HOA evidence provided for REO in question | 05/26/2026 | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 113 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/14/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 118 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 05/15/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 118 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/14/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 05/15/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 118 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/15/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 125 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/15/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 125 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/15/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 125 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/14/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/15/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 129 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/15/2026 | Acknowledged | FCRE9178 | Credit | Borrower has less than XXX FICO scores and does not meet minimum required to be scored. |
Borrower has less than XXX FICO scores and does not meet minimum required to be scored. | Acknowledged, accepting 2/B grading; Borrower(s) FICO score meets guidelines.; Borrower has less than XXX FICO scores and does not meet minimum required to be scored. | 05/16/2026 | 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 | B | B | B | B | B | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 129 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/15/2026 | 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 | B | A | A | B | B | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 129 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/15/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/15/2026 | 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 | B | A | A | B | B | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 137 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/15/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 137 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 05/15/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 137 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/14/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 05/15/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 140 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/14/2026 | Resolved | FCRE1157 | Credit | Hazard Insurance Policy is Missing |
Missing Hazard Insurance Policy HOI coverage dec page was not provided at the time of review | Document Uploaded. Insurance in file | 05/22/2026 | Hazard Insurance Policy is fully present; HOI provided. | 05/26/2026 | 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 | B | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 140 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/14/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Acknowledged, accepting 2/B grading | 05/16/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | B | B | D | A | A | A | B | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 140 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/15/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | A | A | D | A | A | A | B | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 157 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/14/2026 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI |
Audited DTI of XXX% exceeds AUS DTI of XXX% Max XXX% DTI. Re-run AUS and or provide income documentation to support additional income. | Document Uploaded. | 05/28/2026 | FU Audit updated B2 income to match lender’s income of $XXX. FU Audit’s YTD and Prior Yr W2 Monthly income = $XXX. YTD Income = XXX per month (Lender’s income more conservative). Audit’s revised DTI = XXX within XXX% threshold.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX% | 06/01/2026 | 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 63.06% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 63.06% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 157 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/14/2026 | Resolved | FCRE1347 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing |
Borrower 2 3rd Party VOE Prior to Close Missing. | Document Uploaded. | 05/28/2026 | Lender provided the VVOE for the coborrower within XXX days of closing. Condition cleared. ; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX). | 06/01/2026 | 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 63.06% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 63.06% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 157 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/14/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines |
Income and Employment Do Not Meet Guidelines | Document Uploaded. | 05/28/2026 | Lender provided the VVOE for the coborrower within XXX days of closing. Condition cleared. ; Income and Employment Meet Guidelines | 06/01/2026 | 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 63.06% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 63.06% is less than Guideline LTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 157 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/15/2026 | 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 63.06% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 63.06% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 163 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/15/2026 | Resolved | finding- 3652 |
Compliance | Lender Credits That Cannot Decrease Test |
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($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). TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX on the CD dated XX/XX/XXXX without valid COC. | Document Uploaded. | 05/28/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 05/29/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 61.49% is less than Guideline LTV of 80% | 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 61.49% is less than Guideline CLTV of 80% | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 163 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/15/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 61.49% is less than Guideline LTV of 80% | 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 61.49% is less than Guideline CLTV of 80% | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 163 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/14/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/15/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 61.49% is less than Guideline LTV of 80% | 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 61.49% is less than Guideline CLTV of 80% | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 114 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/18/2026 | Acknowledged | FVAL9739 | Property | Property/ Appraisal General |
Property/Appraisal guideline violation: Properties zoned agricultural are eligible but subject property holds a XXX making it Ineligible. | Document Uploaded. ; My apologies for the obscure document! XXX, XXX in Credit Review, made an exception (Single Loan Variance) to accept this property even though it’s outside our guidelines. ; Document Uploaded. | 06/04/2026 | Auditor Response: Lender uploaded approved exception: Exception Request: Based on profile, property does not meet guidelines. Compensating Factors: Credit Score, LTV, Housing History, Job Stability. Size of chicken coops on site are the typical size of residential chicken coops. No income derived from agricultural purposes and no other agricultural related structures on the property. | 06/05/2026 | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 114 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/18/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/20/2026 | 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 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 114 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/18/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/20/2026 | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 116 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/18/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 05/20/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 116 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/18/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/20/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 122 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/19/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts |
Fraud Report Shows Uncleared Alerts The fraud report dated XX/XX/XXXX has uncleared high alerts. XXX guidelines dated XX/XX/XXXX require any potential findings to be cleared prior to close. | Document Uploaded. Additional note: The XXX is XXX.; Document Uploaded. The Fraud Alerts are around the borrower’s XXX XXX. He is a XXX so it’s unlikely he would have filed a business license. We did verify his self-employment. | 05/29/2026 | Documentation provided is sufficient. Exception resolved.; All Fraud Report Alerts have been cleared or None Exist | 06/01/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% | 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 70% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 122 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/18/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% | 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 70% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 122 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/18/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% | 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 70% is less than Guideline LTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 128 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/18/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 05/20/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 128 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/18/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 05/20/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 128 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/18/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/20/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 130 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/18/2026 | Resolved | FCRE5770 | Credit | Borrower 1 Credit Report is Missing |
Borrower 1 Credit Report is Missing. Borrower 1 Credit Report is Missing. | Document Uploaded. Both Credit Report | 05/22/2026 | Documentation is sufficient. Credit report provided. Exception resolved.; Borrower 1 Credit Report is not missing. | 05/26/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 130 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/18/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/20/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 130 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/18/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/20/2026 | 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 |
| 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) |
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| 138 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/18/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 05/20/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 138 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/18/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 05/20/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 138 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/18/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/20/2026 | 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 |
| 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) |
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| 170 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/19/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Document Uploaded. | 05/29/2026 | Documentation provided is sufficient. Exception resolved.; Third party valuation product provided within tolerance. | 06/01/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 66.71% is less than Guideline LTV of 80% | 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 66.71% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | C | A | A | A | C | A | B | B | C | A | C | B | C | A | C | B | C | A | C | B | C | A | C | B | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 170 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/18/2026 | Acknowledged | FCOM5135 | 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. | Acknowledged, accepting 2/B grading | 05/19/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 66.71% is less than Guideline LTV of 80% | 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 66.71% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | B | B | A | A | C | A | B | B | C | A | C | B | C | A | C | B | C | A | C | B | C | A | C | B | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 101 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/18/2026 | Resolved | finding- 3652 |
Compliance | Lender Credits That Cannot Decrease Test |
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX on Initial LE to XXX on CD dated XX/XX/XXXX without a COC. | Document Uploaded. | 06/01/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 06/02/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.14% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 56.14% is less than Guideline LTV of 89.99% | 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 | 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 |
| 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) |
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| 101 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/19/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The collateral underwriter score is XX/XX/XXXX | Document Uploaded. Provided in original submission | 06/01/2026 | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX value is higher which is acceptable over XXX% ; XXX provided. Value date XX/XX/XXXX | 06/02/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.14% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 56.14% is less than Guideline LTV of 89.99% | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 101 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/20/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.14% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 56.14% is less than Guideline LTV of 89.99% | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 112 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/19/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.56% is less than Guideline CLTV of 80% | 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 59.56% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 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) |
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| 112 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.56% is less than Guideline CLTV of 80% | 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 59.56% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 124 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/15/2026 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI |
Audited DTI of XXX% exceeds AUS DTI of XXX% Borrower is an XXX XXX and is paid semi monthly. Lender qualified the borrower with XXX base earnings. Paystub reflects borrower YTD XXX pay is XXX which does not support the qualifying income. Paystub reflects “XXX XXX/XXX” pay, however there is no clarification in the loan file to determine if the borrower already earned the advance or if the advance is for future work. Audit calculated income of XXX using an average of YTD earnings since it is less that prior year W2 earnings which includes the additional incomes. Provide explanation/documentation to justify including the XXX pay. | AUS updated to accept a paystub and a W-2 from the prior year. Exception resolved.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX% | 06/02/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 65.88% is less than Guideline LTV of 80% | 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 65.88% is less than Guideline CLTV of 80% | D | B | C | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 124 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/15/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines |
Income and Employment Do Not Meet Guidelines XXX approval required the most recent XXX year W2 to be provide. Loan file only contains prior year W2. | Document Uploaded. ; Document Uploaded. | 06/01/2026 | AUS updated to accept a paystub and a W-2 from the prior year. Exception resolved.; Income and Employment Meet Guidelines; Per AUS, W-2s that covers the most recent two-year period are required, however, only Year XXX W-2 was provided. Exception remains. | 06/02/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 65.88% is less than Guideline LTV of 80% | 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 65.88% is less than Guideline CLTV of 80% | D | B | C | 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 |
| 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) |
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| 124 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/15/2026 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing |
Borrower 1 3rd Party VOE Prior to Close Missing. A prior to close verbal verification was not obtained Paystub provided is dated XX/XX/XXXX | Document Uploaded. | 05/29/2026 | Documentation provided is sufficient. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided. | 06/02/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 65.88% is less than Guideline LTV of 80% | 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 65.88% is less than Guideline CLTV of 80% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 124 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/15/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 05/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 65.88% is less than Guideline LTV of 80% | 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 65.88% is less than Guideline CLTV of 80% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 124 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/18/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 65.88% is less than Guideline LTV of 80% | 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 65.88% is less than Guideline CLTV of 80% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 124 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/15/2026 | Acknowledged | FCRE1148 | Credit | Title Coverage is Less than Subject Lien |
Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX | Acknowledged, accepting 2/B grading | 05/19/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 65.88% is less than Guideline LTV of 80% | 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 65.88% is less than Guideline CLTV of 80% | D | B | B | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 126 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/18/2026 | Resolved | finding- 3634 |
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 lease 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). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Mortgage Broker Fee added to CD XX/XX/XXXX without a COC. | Document Uploaded. | 06/01/2026 | Valid COC with applicable LE provided; exception resolved; Valid COC with applicable LE provided; exception resolved | 06/02/2026 | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 126 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/20/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/20/2026 | 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 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 126 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/20/2026 | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 98 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/19/2026 | Resolved | finding- 3652 |
Compliance | Lender Credits That Cannot Decrease Test |
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to $XXX. The loan file does contain a valid COC for the decrease of this fee, however, the COC is dated XX/XX/XXXX and the Revised LE with the fee decrease was issued on XX/XX/XXXX. | Document Uploaded. | 06/01/2026 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 06/02/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.81% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.81% is less than Guideline CLTV of 89.99% | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 98 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/19/2026 | Resolved | finding- 3634 |
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 lease 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Points- Loan Discount Fee. The loan file does contain a valid COC for the increase of this fee, however, the COC is dated XX/XX/XXXX and the Revised LE with the fee increase was issued on XX/XX/XXXX. | Document Uploaded. | 06/01/2026 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 06/02/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.81% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.81% is less than Guideline CLTV of 89.99% | 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 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 98 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/20/2026 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete |
Borrower 1 Credit Report is Partially Present. Credit report for B1 and B2 is missing. Please provide complete credit report dated XX/XX/XXXX for B1 and B2. | Document Uploaded. | 05/22/2026 | Borrower 1 Credit Report is not partially present.; Client provided Credit Report for B1 and B2. LM Updated. | 05/26/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.81% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.81% is less than Guideline CLTV of 89.99% | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 98 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/20/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/20/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.81% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.81% is less than Guideline CLTV of 89.99% | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 123 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/19/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/20/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.9% is less than Guideline CLTV of 89.99% | 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 LTV is Below the Guideline Maximum — Calculated LTV of 65.9% is less than Guideline LTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 123 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/20/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.9% is less than Guideline CLTV of 89.99% | 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 LTV is Below the Guideline Maximum — Calculated LTV of 65.9% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 123 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/20/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.9% is less than Guideline CLTV of 89.99% | 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 LTV is Below the Guideline Maximum — Calculated LTV of 65.9% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 133 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/21/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/22/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 133 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/19/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/22/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 133 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/22/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 143 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/19/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/22/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 73.63% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 73.63% is less than Guideline CLTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 143 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/19/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/22/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 73.63% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 73.63% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 143 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/22/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 73.63% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 73.63% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 145 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/20/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX business days prior to the consummation date is required but missing from the file. | Acknowledged, accepting 2/B grading | 05/22/2026 | 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 | B | B | B | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 145 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/19/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/22/2026 | 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 | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 145 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/19/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/22/2026 | Borrower has stable job time — Borrower has 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 | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 154 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/19/2026 | Acknowledged | FCRE1148 | Credit | Title Coverage is Less than Subject Lien |
Title Coverage Amount of XXX is Less than Total Amount of Subject Lien $XXX. Requesting for Title supplement to cover the loan amount. | Acknowledged, accepting 2/B grading | 05/22/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 49.8% is less than Guideline LTV of 80% | 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 49.8% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | B | B | B | B | B | B | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 154 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/22/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 49.8% is less than Guideline LTV of 80% | 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 49.8% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | B | B | A | A | B | B | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 154 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/19/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/22/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 49.8% is less than Guideline LTV of 80% | 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 49.8% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | B | B | A | A | B | B | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 159 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/19/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/22/2026 | 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 51.11% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 51.11% is less than Guideline CLTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 159 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/19/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/22/2026 | Borrower has stable job time — Borrower has 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 51.11% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 51.11% is less than Guideline CLTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 159 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/22/2026 | Borrower has stable job time — Borrower has 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 51.11% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 51.11% is less than Guideline CLTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 161 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/19/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/22/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 161 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 05/22/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 161 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/22/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 162 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 78.21% is less than Guideline LTV of 89.99% | 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 78.21% is less than Guideline CLTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 162 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/19/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 78.21% is less than Guideline LTV of 89.99% | 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 78.21% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 162 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/19/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 78.21% is less than Guideline LTV of 89.99% | 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 78.21% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 119 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/22/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.94% is less than Guideline LTV of 89.99% | 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 64.94% is less than Guideline CLTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 119 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/22/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.94% is less than Guideline LTV of 89.99% | 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 64.94% is less than Guideline CLTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 119 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/22/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.94% is less than Guideline LTV of 89.99% | 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 64.94% is less than Guideline CLTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 120 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/22/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/27/2026 | Borrower has stable job time — Borrower has 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 120 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/22/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/27/2026 | Borrower has stable job time — Borrower has 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 120 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/22/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/27/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 121 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/22/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 56.89% is less than Guideline LTV of 89.99% | 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 56.89% is less than Guideline CLTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 121 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 56.89% is less than Guideline LTV of 89.99% | 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 56.89% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 121 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/22/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 56.89% is less than Guideline LTV of 89.99% | 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 56.89% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 132 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/22/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 50% is less than Guideline LTV of 89.99% | 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 50% is less than Guideline CLTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 132 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/22/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 50% is less than Guideline LTV of 89.99% | 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 50% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 132 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/22/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 50% is less than Guideline LTV of 89.99% | 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 50% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 141 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/27/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 73.52% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 73.52% is less than Guideline LTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 141 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/27/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 73.52% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 73.52% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 141 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/22/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/27/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 73.52% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 73.52% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 142 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/22/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/27/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 142 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/22/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/27/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 142 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/22/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/27/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 148 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/22/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided |
Missing Third Party Fraud Report Fraud report is missing in loan file | Document Uploaded. | 05/29/2026 | Documentation provided is sufficient. Exception resolved.; Third Party Fraud Report is provided | 06/01/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 66.67% is less than Guideline LTV of 89.99% | 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 66.67% is less than Guideline CLTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 148 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/22/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 66.67% is less than Guideline LTV of 89.99% | 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 66.67% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 148 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 66.67% is less than Guideline LTV of 89.99% | 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 66.67% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 150 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/22/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/27/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 150 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/22/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/27/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 150 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/22/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/27/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 155 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/22/2026 | Acknowledged | FCRE1148 | Credit | Title Coverage is Less than Subject Lien |
Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX | Acknowledged, accepting 2/B grading. | 05/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 78% is less than Guideline LTV of 89.99% | 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 78% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | B | B | B | B | B | B | A | A | B | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 155 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/22/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Acknowledged, accepting 2/B grading. | 05/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 78% is less than Guideline LTV of 89.99% | 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 78% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | B | B | B | B | B | B | A | A | B | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 155 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 78% is less than Guideline LTV of 89.99% | 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 78% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | B | B | A | A | B | B | A | A | B | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 131 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/27/2026 | 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 40.69% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 40.69% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 131 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/27/2026 | 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 40.69% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 40.69% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 131 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/27/2026 | 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 40.69% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 40.69% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 153 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/27/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 153 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Informational | 05/27/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 153 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/27/2026 | Borrower has stable job time — Borrower has 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 160 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/27/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | 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 75% is less than Guideline LTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 160 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/27/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | 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 75% is less than Guideline LTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 160 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/27/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | 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 75% is less than Guideline LTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 165 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60% is less than Guideline CLTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 165 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60% is less than Guideline CLTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 165 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/27/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60% is less than Guideline CLTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 166 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 33.32% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 33.32% is less than Guideline CLTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 166 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 33.32% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 33.32% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 166 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 33.32% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 33.32% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 127 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/29/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 68.31% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.31% is less than Guideline CLTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 127 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/27/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/29/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 68.31% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.31% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 127 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/27/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/29/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 68.31% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.31% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 117 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/27/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/30/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 50.65% is less than Guideline LTV of 89% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50.65% is less than Guideline CLTV of 89% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 117 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/28/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/30/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 50.65% is less than Guideline LTV of 89% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50.65% is less than Guideline CLTV of 89% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 117 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/30/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 50.65% is less than Guideline LTV of 89% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50.65% is less than Guideline CLTV of 89% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 144 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/30/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 144 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/27/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/30/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 144 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/30/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 147 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/28/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/30/2026 | 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 64.41% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.41% is less than Guideline CLTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 147 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/28/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/30/2026 | 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 64.41% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.41% is less than Guideline CLTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 147 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/28/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/30/2026 | 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 64.41% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.41% is less than Guideline CLTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 100 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/01/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 06/02/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 41.16% is less than Guideline LTV of 89.99% | 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 41.16% is less than Guideline CLTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 100 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/01/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 06/02/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 41.16% is less than Guideline LTV of 89.99% | 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 41.16% is less than Guideline CLTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 100 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/01/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 06/02/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 41.16% is less than Guideline LTV of 89.99% | 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 41.16% is less than Guideline CLTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 134 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/01/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 06/02/2026 | 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 49.06% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 49.06% is less than Guideline LTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 134 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/01/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 06/02/2026 | 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 49.06% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 49.06% is less than Guideline LTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 134 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/01/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 06/02/2026 | 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 49.06% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 49.06% is less than Guideline LTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 139 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/01/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 06/02/2026 | 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 78.05% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 78.05% is less than Guideline LTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 139 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/01/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 06/02/2026 | 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 78.05% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 78.05% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 139 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/01/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 06/02/2026 | 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 78.05% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 78.05% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 146 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/01/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 06/02/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 146 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/01/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 06/02/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 146 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/01/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 06/02/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 149 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/01/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 06/02/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 149 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/01/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 06/02/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 149 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/01/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 06/02/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 151 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/01/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 06/02/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 151 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/01/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 06/02/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 151 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/01/2026 | Resolved | FPRO8998 | 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 | 06/02/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 152 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/01/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 06/02/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.05% is less than Guideline CLTV of 89.99% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.05% is less than Guideline LTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 152 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 06/02/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.05% is less than Guideline CLTV of 89.99% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.05% is less than Guideline LTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 152 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/02/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 06/02/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.05% is less than Guideline CLTV of 89.99% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.05% is less than Guideline LTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 164 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/01/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 06/02/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 164 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/01/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 06/02/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 164 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/01/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 06/02/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 173 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/01/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 06/02/2026 | 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 57.14% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.14% is less than Guideline LTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 173 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/01/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 06/02/2026 | 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 57.14% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.14% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 173 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/02/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 06/02/2026 | 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 57.14% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.14% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 135 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/02/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 06/02/2026 | 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 75% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 135 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 06/02/2026 | 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 75% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 135 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/02/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 06/02/2026 | 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 75% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 168 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/02/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Copy of Email Delivered | 06/19/2026 | Document provided; Finding resolved. Document Uploaded. | 06/23/2026 | 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 64.67% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.67% is less than Guideline LTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 168 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/02/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 06/02/2026 | 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 64.67% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.67% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 168 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 06/02/2026 | 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 64.67% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.67% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 176 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/11/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation product was not provided in file. | Document Uploaded. | 06/12/2026 | Client provided XXX and XXX. LM Updated.; Third party valuation product provided within tolerance.; | 06/15/2026 | 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 | A | A | A | C | A | C | B | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 176 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/12/2026 | Cured | finding-47 | Compliance | TILA Right of Rescission Test |
This loan failed the TILA right of rescission test losed-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 third business day following consummation he consumer may exercise the right to rescind until midnight of the third 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 XX/XX/XXXX is before the cancel by date on the ROR listed as XX/XX/XXXX. 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. | 06/01/2026 | Cure package provided to the borrower; exception downgraded to a 2/B | 06/02/2026 | 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 | A | A | C | A | C | B | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 176 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/11/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/14/2026 | 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 | A | A | A | A | C | A | C | B | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 176 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/12/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Acknowledged, accepting 2/B grading | 05/14/2026 | 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 | B | B | A | A | C | A | C | B | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 214 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/21/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation.  Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Acknowledged, accepting 2/B grading | 05/22/2026 | 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 | B | B | B | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 214 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/19/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/22/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | B | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 214 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/19/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/22/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time — Borrower has XXX years on job. | B | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 177 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/18/2026 | Cured | finding- 3634 |
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 lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Discount Points on CD XX/XX/XXXX; and the increase in the appraisal fee from XXX to XXX on the final CD. No COC in the file referencing the increases. | Document Uploaded. COC’s were originally uploaded on XX/XX/XXXX for loan points; XXX refund applied via XXX reduction is for the increase in appraisal fee from XXX to XXX — (XXX reduction is an acceptable cure) COC’s were provided for the discount loan points therefore NO cure is required for loan points; Document Uploaded. ; Document Uploaded. | 06/10/2026 | Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. Cure package included principle reduction, proof of delivery is not required. ; Cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. Please provide proof of delivery and exception can be cured. ; Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. Cure package included principle reduction, proof of delivery is not required. ; Cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. Please provide proof of delivery and exception can be cured. ; TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase in the appraisal fee from XXX to XXX on the final CD.; 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 lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures 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).; There are no disclosures dated within XXX days of the COCs provided and the COC do not include a valid reason for the increase in appraisal fee. | 06/12/2026 | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 177 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/18/2026 | Resolved | finding- 3652 |
Compliance | Lender Credits That Cannot Decrease Test |
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX on Initial LE to XXX on CD XX/XX/XXXX. No COC in the file. | Document Uploaded. ; Document Uploaded. | 06/04/2026 | Revised LE(s) and valid COC(s) provided — exception resolved; This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures 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).; There are no disclosures dated within XXX days of the COCs provided | 06/05/2026 | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 177 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/19/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/20/2026 | 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 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 177 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/20/2026 | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 174 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/20/2026 | Cured | finding- 3634 |
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 lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Transfer Tax Fee. | Document Uploaded. | 06/11/2026 | Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. ; Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. | 06/12/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 38% is less than Guideline LTV of 89.99% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 38% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 174 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/22/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 38% is less than Guideline LTV of 89.99% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 38% is less than Guideline CLTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 174 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/19/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/22/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 38% is less than Guideline LTV of 89.99% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 38% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 178 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/19/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/20/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 178 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/19/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/20/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 178 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/20/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 185 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/27/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 185 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/22/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/27/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 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) |
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| 185 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/22/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/27/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 200 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/27/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 200 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/21/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/27/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 200 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/21/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/27/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 181 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/27/2026 | Borrower has stable job time — Borrower has 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 181 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/27/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/27/2026 | Borrower has stable job time — Borrower has 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 181 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/27/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 189 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | FCRE0386 | Credit | Borrower 1 Photo Identification not provided |
Borrower 1 Photo Identification not provided. Borrower 1 Photo Identification and/or Patriot Act Disclosure has not been provided. | Document Uploaded. | 06/01/2026 | Documentation is sufficient. Patriot act provided. Exception resolved.; Photo Identification provided. | 06/02/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 189 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | FCRE0387 | Credit | Borrower 2 Photo Identification not provided |
Borrower 2 Photo Identification not provided. Borrower 2 Photo Identification and/or Patriot Act Disclosure has not been provided | Document Uploaded. | 06/01/2026 | Documentation is sufficient. Patriot Act provided. Exception resolved.; Photo Identification provided. | 06/02/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 189 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/27/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 189 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/27/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 199 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) |
Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. Final 1003 reflects sufficient liquid assets/reserves; however, supporting asset documentation/bank Statements were not provided in file to verify funds available for closing and reserve requirements. | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; Documentation received is sufficient. Exception resolved.; Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | 06/03/2026 | 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 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 199 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) |
Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) Final 1003 reflects sufficient liquid assets/reserves; however, supporting asset documentation/bank Statements were not provided in file to verify funds available for closing and reserve requirements. | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); Documentation received is sufficient. Exception resolved.; Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 06/03/2026 | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 199 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | FCRE0382 | 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. Final 1003 reflects sufficient liquid assets/reserves; however, supporting asset documentation/bank Statements were not provided in file to verify funds available for closing and reserve requirements. | Funds are found to meet guidelines. | 06/03/2026 | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 199 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | FCRE2800 | Credit | Verified Liquid Assets Insufficient For Closing |
Verified Liquid Assets are insufficient for closing in the amount of $-XXX. Final 1003 reflects sufficient liquid assets/reserves; however, supporting asset documentation/bank Statements were not provided in file to verify funds available for closing and reserve requirements. | Document Uploaded. | 06/02/2026 | Documentation received is sufficient. Exception resolved.; Verified Liquid Assets are sufficient for closing. | 06/03/2026 | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 199 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/27/2026 | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 199 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/27/2026 | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 202 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/27/2026 | Cured | finding- 3634 |
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 lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the APPRAISAL FEE on the LE dated XX/XX/XXXX. The COC does not provide enough information as to why the fee increased and the invoice in the file shows that the appraisal was ordered on XX/XX/XXXX and the borrower paid the invoice on XX/XX/XXXX. | Document Uploaded. | 06/11/2026 | Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. ; Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. | 06/12/2026 | Borrower has stable job time — Borrower has 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 | 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 |
| 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) |
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| 202 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/27/2026 | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 202 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/27/2026 | Borrower has stable job time — Borrower has 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 206 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Cured | finding- 3634 |
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 lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures 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. | 06/12/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; COC dated XX/XX/XXXX for Appraisal Fee increase excepted, however, the tolerance violation of XXX remains since the Appraisal Fee was increased on the Final CD dated XX/XX/XXXX with no valid COC. Exception remains.; 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 lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX on the Initial LE to XXX on the Final CD for the Appraisal fee. The COC in the file does not provide a valid reason for the increase in the fees. Also appraisal invoice in the file is dated XX/XX/XXXX, however increase was not disclosed to borrower until XX/XX/XXXX. | 06/15/2026 | 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 37.63% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 37.63% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI 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 |
| 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) |
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| 206 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | FCRE1964 | Credit | Missing income documentation |
missing ‘Statement #XXX’ as referred under XXX and XXX | Document Uploaded. | 06/04/2026 | Auditor Response: Lender uploaded Supplement to Schedule C | 06/05/2026 | 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 37.63% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 37.63% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 206 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/28/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/28/2026 | 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 37.63% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 37.63% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 206 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. There is an Appraisal timing waiver in the file however, there is no Property Inspection Waiver and no evidence of Appraisal receipt by the borrower. | Acknowledged, accepting 2/B grading | 05/27/2026 | 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 37.63% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 37.63% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | B | B | 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 |
| 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) |
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| 207 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Cured | finding- 3635 |
Compliance | Charges That In Total Cannot Increase More Than XXX% Test |
TILA 130 Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX on the LE to XXX for the Recording fee on the final CD. The total comparable increase is XXX with a XXX cure provided at closing. The remaining cure amount required is $XXX. This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the XXX or an affiliate of the XXX; and(C) The XXX permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). | Document Uploaded. | 06/11/2026 | Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. ; Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. | 06/12/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.95% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.95% is less than Guideline CLTV of 89.99% | 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 | A | C | B | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 207 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Risk Score is XX/XX/XXXX on a scale of XXX to XXX where XXX indicates highest potential collateral risk. | Document Uploaded. | 06/04/2026 | Third party valuation product provided within tolerance.; Auditor Response: Lender uploaded XXX | 06/05/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.95% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.95% is less than Guideline CLTV of 89.99% | 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 | A | A | C | A | C | B | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 207 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | finding- 3526 |
Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) |
The Initial CD dated XX/XX/XXXX was issued prior to the revised LE dated XX/XX/XXXX. Please confirm actual issue/delivery date of initial CD. This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:“USPS First Class Mail” or “Electronic Delivery” or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or”In Person” and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he XXX shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the XXX provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the XXX delivers or places such version in the mail. | Document Uploaded. | 06/03/2026 | Lender confirmed CD dated XX/XX/XXXX was not sent to the borrower; exception resolved; Lender confirmed CD dated XX/XX/XXXX was not sent to the borrower; exception resolved | 06/04/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.95% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.95% is less than Guideline CLTV of 89.99% | 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 | A | A | C | A | C | B | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 207 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | finding- 4001 |
Compliance | TRID Disclosure Delivery Date Validation Test |
The Initial CD dated XX/XX/XXXX was issued prior to the revised LE dated XX/XX/XXXX. Please confirm actual issue/delivery date of initial CD. This loan failed the TRID disclosure delivery date validation test he loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate revised closing disclosure is before the initial closing disclosure closing disclosure delivery date is on or before a loan estimate delivery date post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. | Document Uploaded. | 06/03/2026 | Lender confirmed CD dated XX/XX/XXXX was not sent to the borrower; exception resolved; Lender confirmed CD dated XX/XX/XXXX was not sent to the borrower; exception resolved | 06/04/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.95% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.95% is less than Guideline CLTV of 89.99% | 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 | A | A | C | A | C | B | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 207 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date of XX/XX/XXXX is required, but missing from the file. | Acknowledged, accepting 2/B grading | 05/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.95% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.95% is less than Guideline CLTV of 89.99% | 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 | A | A | C | A | C | B | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 175 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI |
Audited DTI of XXX% exceeds AUS DTI of XXX% The DTI is above threshold. Audit calculated less rental and retirement income than lender calculated. | Document Uploaded. I pulled down the Individual Asset Summary Report and our numbers differ in almost every way. I want to start with liabilities. Your calculation is XXX and ours is XXX — subject PITI XXX — XXX XXX Assembly XXX — liabilities XXX — Total XXX The borrowers have a XXX loan that is paid by others so we excluded the XXX payment. Focusing just on this piece for now, where do our numbers differ? | 06/11/2026 | ; Difference in PITI caused by tax discrepancy. Title in file reflects annual XXX however Tax and Information Sheet reflects annual taxes of XXX Difference in PITI also caused by difference in HOI. Lender monthly XXX however evidence in file shows annual premium of XXX or XXX monthly. Corrected and removed Toyota liability as evidence in file shows paid by other which brings DTI within tolerance of AUS.; Per client, “Document Uploaded. I pulled down the Individual Asset Summary Report and our numbers differ in almost every way. I want to start with liabilities. Your calculation is XXX and ours is XXX — subject PITI XXX — XXX Assembly XXX — liabilities XXX — Total XXX The borrowers have a XXX loan that is paid by others so we excluded the XXX payment. Focusing just on this piece for now, where do our numbers differ?” Pending review. | 07/30/2026 | 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 |
| 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) |
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| 175 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/27/2026 | Resolved | finding- 3635 |
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 n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the XXX or an affiliate of the XXX; and(C) The XXX permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Lender’s Title Insurance Policy and XXX to XXX Closing Fee on the initial CD issued on XX/XX/XXXX without a valid COC. | Document Uploaded. | 06/11/2026 | Valid COC provided — exception resolved; Valid COC provided — exception resolved | 06/12/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 175 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | FPRO8998 | Property | No Property Findings |
no findings Property and valuations related findings were not identified on the loan. | Informational | 05/29/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 201 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/27/2026 | Cured | finding- 3634 |
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 lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the MERS Fee added on the XX/XX/XXXX CD without a valid COC. | Document Uploaded. | 06/12/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 06/15/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 49.17% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 49.17% is less than Guideline CLTV of 89.99% | 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 |
| 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) |
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| 201 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/27/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/29/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 49.17% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 49.17% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 201 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/29/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 49.17% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 49.17% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 212 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Rescinded | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount |
The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). The hazard insurance is sufficient XXX is XXX and the dwelling coverage is XXX | Document Uploaded. | 06/11/2026 | XXX in file on page XXX confirmed cost to rebuild of XXX coverage of $XXX exceeded amount required. Condition rescinded. | 06/11/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 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) |
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| 212 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/26/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/29/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 212 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/27/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/29/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 188 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/27/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/30/2026 | 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 |
| 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) |
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| 188 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/28/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 05/30/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 188 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 05/30/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 179 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/02/2026 | Resolved | FCRE9500 | Credit | Missing Letter of Explanation (Assets) |
Gift Letter on file are missing donor, recipient, bank institution, Gift Amount and signatures | Document Uploaded. | 06/11/2026 | Completed gift letter provided. | 06/12/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 80% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum — Calculated LTV of 80% is less than Guideline LTV of 90% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 179 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 06/02/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 80% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum — Calculated LTV of 80% is less than Guideline LTV of 90% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 179 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/01/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 06/02/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 80% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum — Calculated LTV of 80% is less than Guideline LTV of 90% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 179 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/02/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 06/02/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 80% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum — Calculated LTV of 80% is less than Guideline LTV of 90% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 182 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/29/2026 | Resolved | FCRE9814 | Credit | Missing Trust Agreement |
Trust Agreement is missing and/or does not meet guideline requirements. Trust agreement or certificate of trust is not in file. | Document Uploaded. | 06/10/2026 | Documentation provided is sufficient. Exception resolved.; Trust Agreement Meets Guideline Requirements. | 06/11/2026 | 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 33.33% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 33.33% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 182 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 06/02/2026 | 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 33.33% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 33.33% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 182 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/29/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 06/02/2026 | 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 33.33% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 33.33% is less than Guideline LTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 186 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/01/2026 | Resolved | finding- 3532 |
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 six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or”In Person” and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe XXX shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer prior to the consummation date of XX/XX/XXXX. The violation can be cured by providing proof of delivery/receipt of Initial CD at least XXX days prior to closing. | Document Uploaded. | 06/10/2026 | Client provided proof of initial CD delivery date for testing; exception resolved ; Client provided proof of initial CD delivery date for testing; exception resolved | 06/10/2026 | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 186 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/01/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 06/02/2026 | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 186 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/01/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 06/02/2026 | 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 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 191 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/01/2026 | Rescinded | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third party Risk score is XXX. | Document Uploaded. | 06/10/2026 | AVM was provided in original submission. Exception rescinded; Third party valuation product provided within tolerance. | 06/11/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 191 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/01/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 06/02/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 191 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/01/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 06/02/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 180 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/02/2026 | Resolved | finding-651 | Compliance | TILA Finance Charge Test |
This loan failed the TILA finance charge test.(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 Documentation required to clear exception: The Final CD XX/XX/XXXX is missing from the loan file per COC in file. All testing was completed using CD dated XX/XX/XXXX. Please provide final CD and additional CD issued XX/XX/XXXX for additional testing. | Document Uploaded. ; Document Uploaded. Title provided the XXX for signing instead of the FInal XX/XX/XXXX CD provided in the closing package | 06/11/2026 | Revised and Final CD provided — exception resolved; Revised and Final CD provided — exception resolved | 06/15/2026 | 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 76.27% is less than Guideline CLTV of 89.99% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 76.27% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 180 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/02/2026 | Resolved | finding- 3732 |
Compliance | TRID Total of Payments Test |
This loan failed the TRID total of payments test. (12 CFR §XXX(o)(XXX) 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. Documentation required to clear exception: The Final CD XX/XX/XXXX is missing from the loan file per COC in file. All testing was completed using CD dated XX/XX/XXXX. Please provide final CD and additional CD issued XX/XX/XXXX for additional testing. | Document Uploaded. Title provided the XXX for signing instead of the FInal XX/XX/XXXX CD provided in the closing package | 06/11/2026 | Revised and Final CD provided — exception resolved; Revised and Final CD provided — exception resolved | 06/15/2026 | 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 76.27% is less than Guideline CLTV of 89.99% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 76.27% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 180 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/02/2026 | Resolved | finding- 3652 |
Compliance | Lender Credits That Cannot Decrease Test |
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures 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). TILA130b cure required, refund in the amount of XXX requires a PCCD, LOE, copy of refund check and proof of delivery. The lender credit decrease violation  of XXX is due to the decrease that occurred per the COC  on XX/XX/XXXX, however there was no disclosure in the file that was provided within XXX days of the COC.  Missing CD dated XX/XX/XXXX that was referenced in XXX. | Document Uploaded. ; Document Uploaded. | 06/11/2026 | Revised and Final CD provided — exception resolved; Revised and Final CD provided — exception resolved | 06/15/2026 | 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 76.27% is less than Guideline CLTV of 89.99% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 76.27% is less than Guideline LTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 180 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/02/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 06/02/2026 | 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 76.27% is less than Guideline CLTV of 89.99% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 76.27% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 180 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 06/02/2026 | 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 76.27% is less than Guideline CLTV of 89.99% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 76.27% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 184 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/02/2026 | Resolved | FCRE1185 | Credit | AUS Partially Provided |
AUS Partially Provided. Provide the full AUS for submission XXX | Document Uploaded. | 06/10/2026 | Documentation is sufficient. Updated AUS provided. Exception resolved.; AUS is not incomplete. | 06/11/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56% is less than Guideline CLTV of 89.99% | 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 56% is less than Guideline LTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 184 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/02/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 06/02/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56% is less than Guideline CLTV of 89.99% | 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 56% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 184 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/02/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 06/02/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56% is less than Guideline CLTV of 89.99% | 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 56% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 203 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/02/2026 | Resolved | finding- 3652 |
Compliance | Lender Credits That Cannot Decrease Test |
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The tolerance violation in the amount of XXX is due to decrease from XXX to XXX for the Lender Credit Because the loan failed the initial CD delivery date test due to missing Initial closing disclosure receipt, any values that would be under a valid COC, if the disclosure receipt had been provided, will not be considered valid for tolerance purposes. The violation may be cured if missing closing disclosure(s) receipt are provided. Additional testing will be completed once the Initial CD is provided. | Document Uploaded. | 06/12/2026 | CD receipt date provided — exception resolved; CD receipt date provided — exception resolved | 06/15/2026 | 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 | 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 |
| 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) |
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| 203 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/10/2026 | Resolved | finding- 3542 |
Compliance | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test |
This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §XXX(f)(XXX)(ii) The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:“USPS First Class Mail” or “Electronic Delivery” or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or”In Person” and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction hanges before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the XXX shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §XXX(o)(XXX) becomes inaccurate, as defined in §XXX.(B) The loan product is changed, causing the information disclosed under §XXX(a)(XXX)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the Statement regarding a prepayment penalty required under §XXX(b) to become inaccurate he XXX shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §XXX(f)(XXX)(ii) The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:“USPS First Class Mail” or “Electronic Delivery” or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or”In Person” and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction hanges before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the XXX shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §XXX(o)(XXX) becomes inaccurate, as defined in §XXX.(B) The loan product is changed, causing the information disclosed under §XXX(a)(XXX)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the Statement regarding a prepayment penalty required under §XXX(b) to become inaccurate he XXX shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. Document Uploaded. Document Uploaded. Document Uploaded. CD receipt date provided — exception resolved CD receipt date provided — exception resolved | Document Uploaded. | 06/11/2026 | CD receipt date provided — exception resolved; | 06/15/2026 | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 203 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/02/2026 | Resolved | finding- 3532 |
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 six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or”In Person” and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe XXX shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Without evidence of receipt, it is assumed that the disclosure dated  XX/XX/XXXX  was mailed, and therefore not received by the consumer prior to the consummation date, XX/XX/XXXX. The violation can be cured by providing proof of delivery/receipt of Initial CD at least XXX days prior to closing. | Document Uploaded. | 06/10/2026 | Client provided evidence that the borrower received the revised XX/XX/XXXX CD on the same date of XX/XX/XXXX. The XXX decreased from XXX% to XXX% on the XX/XX/XXXX CD. Client provided proof of Initial CD delivery to the borrower for testing, exception resolved. | 06/10/2026 | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 203 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 06/02/2026 | 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 | 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 |
| 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) |
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| 203 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/02/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 06/02/2026 | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 192 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/02/2026 | Resolved | FCRE1165 | Credit | Flood Insurance Policy Partially Provided |
Flood Insurance Policy Partially Provided There is proof of payment for for flood insurance premium but we will need the complete policy | Document Uploaded. Provided in original submission | 06/10/2026 | Documentation provided is sufficient. Exception resolved.; Flood Insurance Policy is fully present. | 06/11/2026 | 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 | B | B | A | A | D | D | B | A | D | D | B | A | D | D | B | A | D | D | B | A | D | D | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 192 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/02/2026 | Acknowledged | FPRO1839 | Property | Property flood zone reflects property is in a Flood Zone but Special Flood Zone is marked No |
Property flood zone of XXX reflects property is in a flood zone but XXX is marked No There is flood insurance payment information but will need the complete flood insurance policy | Acknowledged, accepting 2/B grading | 06/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | B | B | D | A | B | B | A | A | D | D | B | A | D | D | B | A | D | D | B | A | D | D | B | A | D | D | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A |
| 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) |
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| 192 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/02/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 06/04/2026 | 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 | B | B | A | A | D | D | B | A | D | D | B | A | D | D | B | A | D | D | B | A | D | D | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 192 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/03/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 06/04/2026 | 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 | B | B | A | A | D | D | B | A | D | D | B | A | D | D | B | A | D | D | B | A | D | D | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 209 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/03/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Copy of Email Delivered | 06/19/2026 | Evidence of appraisal delivery provided.; Evidence of appraisal delivery received.; Document Uploaded. | 06/25/2026 | 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 79.46% is less than Guideline CLTV of 89.99% | 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 LTV is Below the Guideline Maximum — Calculated LTV of 79.46% is less than Guideline LTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 209 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 06/04/2026 | 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 79.46% is less than Guideline CLTV of 89.99% | 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 LTV is Below the Guideline Maximum — Calculated LTV of 79.46% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 213 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/08/2026 | Resolved | finding- 3634 |
Compliance | Charges That Cannot Increase Test |
TILA 130b Cure Required: Refund in the amount of $XXX; Cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the addition of the CDA/Appraisal Review fee on the LE dated XX/XX/XXXX. The COC dated XX/XX/XXXX was not accepted. The appraisal desk review was delivered on XX/XX/XXXX but the fee was not disclosed until XX/XX/XXXX. 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 lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures 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. | 06/11/2026 | Lender confirmed appraisal review was included in the appraisal fee on the initial LE; exception resolved; Lender confirmed appraisal review was included in the appraisal fee on the initial LE; exception resolved | 06/15/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 61.46% is less than Guideline CLTV of 80% | 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 61.46% is less than Guideline LTV of 80% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 213 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/09/2026 | Acknowledged | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing |
Homeownership Counseling Disclosure Is Missing. Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. | Exception is non-material and graded as level 2/B. | 06/09/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 61.46% is less than Guideline CLTV of 80% | 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 61.46% is less than Guideline LTV of 80% | C | B | B | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 213 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/09/2026 | Acknowledged | FCOM5135 | 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. | Exception is non-material and graded as level 2/B. | 06/09/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 61.46% is less than Guideline CLTV of 80% | 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 61.46% is less than Guideline LTV of 80% | C | B | B | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 213 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/09/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 06/09/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 61.46% is less than Guideline CLTV of 80% | 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 61.46% is less than Guideline LTV of 80% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 213 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/09/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 06/09/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 61.46% is less than Guideline CLTV of 80% | 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 61.46% is less than Guideline LTV of 80% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 183 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/09/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 06/10/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 183 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/09/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 06/10/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 183 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/09/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 06/10/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 194 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/09/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 06/10/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 194 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/10/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 06/10/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 194 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/10/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 06/10/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 195 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/09/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 06/09/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 195 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/09/2026 | Resolved | FPRO8998 | 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 | 06/09/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 195 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/09/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 06/09/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 197 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/09/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. (Proof of delivery is XX/XX/XXXX with a closing date of XX/XX/XXXX) If borrower waived the XXX day timing requirement, provide an executed appraisal waiver. | Exception is non-material and graded as level 2/B. | 06/09/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | B | B | B | B | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 197 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/09/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 06/09/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | B | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 197 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/09/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 06/09/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | B | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 208 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/09/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Copy of Email Delivered | 06/19/2026 | Evidence of appraisal delivery received. Condition resolved.; Document Uploaded. ; Exception is non-material and graded as level 2/B. | 06/24/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.97% is less than Guideline CLTV of 80% | 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 68.97% is less than Guideline LTV of 80% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 208 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/10/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 06/10/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.97% is less than Guideline CLTV of 80% | 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 68.97% is less than Guideline LTV of 80% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 208 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/10/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 06/10/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.97% is less than Guideline CLTV of 80% | 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 68.97% is less than Guideline LTV of 80% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 187 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/11/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 06/13/2026 | 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% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 67% is less than Guideline LTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 187 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/11/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 06/13/2026 | 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% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 67% is less than Guideline LTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 187 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/11/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 06/13/2026 | 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% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 67% is less than Guideline LTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 190 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/11/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 06/13/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 190 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/12/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 06/13/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 190 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/12/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 06/13/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 196 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/10/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 06/13/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 196 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/10/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 06/13/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 196 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/10/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 06/13/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 198 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/11/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 06/13/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 198 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/11/2026 | Resolved | FPRO8998 | 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 | 06/13/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 198 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/11/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 06/13/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 204 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/11/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 06/13/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 204 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/11/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 06/13/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 204 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/12/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 06/13/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 205 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/11/2026 | Acknowledged | FCRE1148 | Credit | Title Coverage is Less than Subject Lien |
Title Coverage Amount of XXX is Less than Total Amount of Subject Lien $XXX. | Acknowledged, accepting 2/B grading | 07/31/2026 | 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 | B | B | B | B | B | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 205 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/11/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 06/13/2026 | 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 | B | A | A | B | B | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 205 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/12/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 06/13/2026 | 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 | B | A | A | B | B | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 210 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/11/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception — Evidence confirming a copy of the appraisal was provided to the consumer at least XXX business days prior to the consummation date is required but missing from the file. | Acknowledged, accepting 2/B grading | 07/31/2026 | 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 76.4% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 76.4% is less than Guideline CLTV of 89.99% | B | B | B | B | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 210 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/11/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 06/13/2026 | 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 76.4% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 76.4% is less than Guideline CLTV of 89.99% | B | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 210 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/11/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 06/13/2026 | 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 76.4% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 76.4% is less than Guideline CLTV of 89.99% | B | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 211 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/11/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception — Evidence confirming a copy of the appraisal was provided to the consumer at least XXX business days prior to the consummation date is required but missing from the file. | Acknowledged, accepting 2/B grading | 07/31/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.2% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.2% is less than Guideline CLTV of 89.99% | 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 | B | B | B | B | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 211 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/11/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 06/13/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.2% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.2% is less than Guideline CLTV of 89.99% | 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 | B | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 211 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/11/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 06/13/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.2% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.2% is less than Guideline CLTV of 89.99% | 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 | B | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 215 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/12/2026 | Acknowledged | FCOM5135 | 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. | Acknowledged, accepting 2/B grading | 07/31/2026 | 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 | B | B | B | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 215 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/12/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 06/13/2026 | 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 | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 215 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/12/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 06/13/2026 | 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 | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 216 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/19/2026 | Acknowledged | FCRE1148 | Credit | Title Coverage is Less than Subject Lien |
Title Coverage Amount of XXX is Less than Total Amount of Subject Lien $XXX. Please provide Title supplement with Loan Policy amount of XXX | XXX — Non-Material — we acknowledged that final title will contain the correct final loan amount. ; Acknowledged — please clear. | 07/15/2026 | Client acknowledged condition. Event level XXX “Non-Material — we acknowledged that final title will contain the correct final loan amount.”; Please provide the title update/supplement showing sufficient coverage. Additional conditions may apply. | 07/16/2026 | 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 47.48% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 47.48% is less than Guideline LTV of 80% | D | B | B | B | D | B | 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 | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 216 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/14/2026 | Acknowledged | FCOM9186 | Compliance | eSigned Documents Consent is Missing |
The signed consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grading | 06/27/2026 | 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 47.48% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 47.48% is less than Guideline LTV of 80% | D | B | B | B | D | B | 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 | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 216 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/14/2026 | Acknowledged | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing |
Homeownership Counseling Disclosure Is Missing Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. | Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grading | 06/27/2026 | 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 47.48% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 47.48% is less than Guideline LTV of 80% | D | B | B | B | D | B | 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 | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 216 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/14/2026 | Resolved | FCRE1145 | Credit | Title Document Missing |
Title Document is missing not in file | Document Uploaded. | 06/18/2026 | Title Document is fully Present. | 06/19/2026 | 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 47.48% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 47.48% is less than Guideline LTV of 80% | D | B | D | A | D | B | 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 | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 216 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/01/2026 | Resolved | finding- 3634 |
Compliance | Charges That Cannot Increase Test |
TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of 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 lease 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). 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 lease 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). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the increase in mortgage broker fee on the CD without a COC in file TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the increase in mortgage broker fee on the CD without a COC in 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) One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. 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 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 lease 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. Document Uploaded. Valid COC provided; exception resolved Valid COC provided; exception resolved | Valid COC provided; exception resolved | 06/15/2026 | 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 47.48% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 47.48% is less than Guideline LTV of 80% | D | B | C | A | D | B | 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 | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 216 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/14/2026 | Resolved | FCOM1252 | Compliance | TRID: Missing Loan Estimate |
The initial and/or any revised Loan 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. | 05/29/2026 | LEs provided; exception resolved | 06/01/2026 | 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 47.48% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 47.48% is less than Guideline LTV of 80% | D | B | D | A | D | B | 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 | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B |
| 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) |
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| 216 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
05/14/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 05/15/2026 | 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 47.48% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 47.48% is less than Guideline LTV of 80% | D | B | A | A | D | B | 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 | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 274 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/02/2026 | Resolved | FPRO1245 | Property | Appraisal is Expired |
Primary Value Appraisal is Expired The appraisal is dated XX/XX/XXXX, XXX is XX/XX/XXXX. | Document Uploaded. ; Document Uploaded. XXX is XX/XX/XXXX | 07/20/2026 | Finding cleared using Appraisal update form 1004D to correct expired appraisal.; Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist.; The Primary Value Appraisal has expired. The appraisal report is dated XX/XX/XXXX, while the XXX is XX/XX/XXXX. | 07/20/2026 | 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 76.73% is less than Guideline CLTV of 89.99%. | Original LTV is Below the Guideline Maximum — Calculated LTV of 76.73% is less than Guideline LTV of 89.99%. | C | B | C | A | A | A | C | A | C | B | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 274 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/02/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grading | 06/27/2026 | 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 76.73% is less than Guideline CLTV of 89.99%. | Original LTV is Below the Guideline Maximum — Calculated LTV of 76.73% is less than Guideline LTV of 89.99%. | C | B | B | B | A | A | C | A | C | B | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 274 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/02/2026 | Resolved | finding- 3634 |
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 lease 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Service Fee. | Document Uploaded. | 06/11/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 06/15/2026 | 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 76.73% is less than Guideline CLTV of 89.99%. | Original LTV is Below the Guideline Maximum — Calculated LTV of 76.73% is less than Guideline LTV of 89.99%. | C | B | C | A | A | A | C | A | C | B | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 274 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 06/02/2026 | 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 76.73% is less than Guideline CLTV of 89.99%. | Original LTV is Below the Guideline Maximum — Calculated LTV of 76.73% is less than Guideline LTV of 89.99%. | C | B | A | A | A | A | C | A | C | B | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 255 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/05/2026 | Cured | finding- 3634 |
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 lease 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase of the appraisal fee from XXX to XXX on the CD dated XX/XX/XXXX without valid COC and addition of the MERS registration fee of XXX on the CD dated XX/XX/XXXX without valid COC. | Document Uploaded. | 07/01/2026 | Cure package provided to the borrower; exception downgraded to a 2/B | 07/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 76.54% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 76.54% is less than Guideline LTV of 89.99% | 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 | 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 |
| 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) |
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| 255 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/02/2026 | Resolved | finding- 3652 |
Compliance | Lender Credits That Cannot Decrease Test |
TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. The lender credit tolerance violation in the amount of XXX is due to the decrease in the lender credits on the PCCD provided TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. The lender credit tolerance violation in the amount of XXX is due to the decrease in the lender credits on the PCCD provided This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($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). Document Uploaded. Document Uploaded. Document Uploaded. Lender provided updated PCCD; exception resolved Lender provided updated PCCD; exception resolved | Document Uploaded. | 07/16/2026 | Lender provided updated PCCD and cure package evidencing that the tolerance cure was within 60 days of consummation and prior to TPR review; therefore it is considered resolved and final A grade. | 07/17/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 76.54% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 76.54% is less than Guideline LTV of 89.99% | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 255 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/05/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational Only | 06/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 76.54% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 76.54% is less than Guideline LTV of 89.99% | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 255 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/05/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational Only | 06/08/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 76.54% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 76.54% is less than Guideline LTV of 89.99% | 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 | 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 |
| 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) |
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| 219 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/16/2026 | Cured | finding- 3634 |
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 lease 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). TILA 130b Cure required. Refund in that amount of XXX Cure package requires a PCCD, LOE, Copy of Refund Check, or Valid COC. The zero tolerance in the amount of XXX is due to the addition of the Verification fee in the amount of XXX added to the CD XX/XX/XXXX. COC in file does not detail reason Increased Fee. | Document Uploaded. ; Document Uploaded. | 07/24/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; The order of the verification services was completed on XXX/XXX, but not disclosed until XX/XX/XXXX therefore it is not considered to have been disclosed timely | 07/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% | 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 75% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 219 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 06/17/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% | 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 75% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 219 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/16/2026 | Resolved | FPRO8998 | 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 | 06/17/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% | 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 75% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI 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 |
| 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) |
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| 256 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 06/18/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 256 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/17/2026 | Resolved | FPRO8998 | Property | No Property Findings |
No Findings Property and valuations related findings were not identified on the loan. | Informational | 06/18/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 217 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/22/2026 | Cured | finding- 3634 |
Compliance | Charges That Cannot Increase Test |
TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Fee on the LE dated XX/XX/XXXX. The COC does not provide enough information as to why the fee increased 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 lease 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. | 07/21/2026 | Cure package provided to the borrower; exception downgraded to a 2/B | 07/22/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 54.76% is less than Guideline LTV of 89.99% | 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 54.76% is less than Guideline CLTV of 89.99% | 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 |
| 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) |
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| 217 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/19/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 06/23/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 54.76% is less than Guideline LTV of 89.99% | 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 54.76% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 217 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/22/2026 | Resolved | FPRO8998 | 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 | 06/23/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 54.76% is less than Guideline LTV of 89.99% | 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 54.76% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 222 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/29/2026 | Resolved | finding- 3634 |
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 lease 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase of the appraisal fee from XXX to XXX on the CD dated XX/XX/XXXX without valid COC. | Document Uploaded. | 07/15/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 07/16/2026 | 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 75% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 222 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/30/2026 | Resolved | finding- 3635 |
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 XXX or an affiliate of the XXX; and(C) The XXX permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to the addition of the XXX pest inspection fee on CD dated XX/XX/XXXX. Pest inspection fee is not listed on written list of service providers or noted as title fee; so, the fee was tested using XXX% tolerance. | Document Uploaded. | 07/15/2026 | Lender confirmed pest inspection was not a required service; exception resolved; Lender confirmed pest inspection was not a required service; exception resolved | 07/16/2026 | 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 75% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 222 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/26/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance |
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Document Uploaded. | 07/13/2026 | Third party valuation product provided within tolerance. | 07/14/2026 | 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 75% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 222 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
06/26/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 07/01/2026 | 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 75% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% | 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 |
| 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) |
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| 273 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/06/2026 | Resolved | finding- 3634 |
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 lease 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). TILA 130b Cure required. Refund in the amount of XXX cure package requires a PCCD OE, Copy of refund Check and proof of delivery or Valid COC. The zero tolerance violation in the amount XXX is due to an increase from XXX to XXX for the loan discount points increasing on LE XX/XX/XXXX and from XXX to XXX for the appraisal fee increasing on LE XX/XX/XXXX. A COC is required to determine if this was a valid change. | Document Uploaded. ; Document Uploaded. | 07/22/2026 | Valid COC with applicable LEs 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 lease 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).; 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 lease 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).; The file did not contain the disclosures within XXX days of the COCs dated XX/XX/XXXX and XX/XX/XXXX | 07/24/2026 | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 273 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/06/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Acknowledged, accepting 2/B grading | 07/07/2026 | 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 | B | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 273 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/02/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/07/2026 | 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 | 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 |
| 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) |
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| 273 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 07/07/2026 | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 229 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/06/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/08/2026 | 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 79.41% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.41% is less than Guideline CLTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 229 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/06/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 07/08/2026 | 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 79.41% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.41% is less than Guideline CLTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 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) |
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| 229 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/07/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 07/08/2026 | 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 79.41% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.41% is less than Guideline CLTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 276 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/10/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 07/13/2026 | 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 48.47% is less than Guideline LTV of 70% | 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 48.47% is less than Guideline CLTV of 70% | Borrower has stable job time — Borrower has XXX years on job. | C | A | A | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 276 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 07/13/2026 | 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 48.47% is less than Guideline LTV of 70% | 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 48.47% is less than Guideline CLTV of 70% | Borrower has stable job time — Borrower has XXX years on job. | C | A | A | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 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) |
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| 218 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/10/2026 | Resolved | FCRE1964 | Credit | Missing income documentation |
The loan application reflects the borrower works for XXX since XX/XX/XXXX with an address in XXX. The loan file contained the borrower’s offer letter dated XX/XX/XXXX which reflected the borrower’s work location as the XXX. The offer letter also reflects relocation support which is contingent upon the borrower relocating to the assigned work location. The offer letter mentions a separate relocation letter which was not located in the loan file. Provide proof the borrower is eligible to continue to live and work in XXX, XXX and not required to relocate to the location office of XXX reflected in the offer letter. | Document Uploaded. ; Per the XXX Profile, rent must be verified only if the subject is a XXX, XXX Property or there is a Non-Occupant Borrower. In this case the subject is a primary residence. | 07/31/2026 | Client provided evidence to support work location is within driving distance. Resolved condition. ; Countered — Please re-review the condition — Need evidence of employment location The loan file contained the borrower’s offer letter dated XX/XX/XXXX which reflected the borrower’s work location as the XXX. The offer letter also reflects relocation support which is contingent upon the borrower relocating to the assigned work location. The offer letter mentions a separate relocation letter which was not located in the loan file. Provide proof the borrower is eligible to continue to live and work in XXX, XXX and not required to relocate to the location office of XXX reflected in the offer letter. | 08/03/2026 | 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 75% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 218 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/10/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/13/2026 | 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 75% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 218 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 07/13/2026 | 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 75% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | 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 |
| 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) |
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| 259 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/13/2026 | Acknowledged | finding- 3367 |
Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test |
Documentation required to clear exception: Homeownership counseling disclosures in file were not dated within XXX business days of the XXX. Provide homeownership counseling disclosure that was provided to the consumer within XXX business days of application, XX/XX/XXXX. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator’s XXX (or the date XXX received application if loan Originator’s XXX is not provided); orthel homeownership counseling organizations disclosure date is after the closing date. Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant’s location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data. This calculation take into account a user-submitted designation of the days that the XXX’s office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: As not being open on Sundays not being open on Saturday PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, Compliance Analyzer calculations will presume the company’s offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict. Please note: This test does not validate the content of any list of homeownership counseling organizations. | Acknowledged, accepting 2/B grading | 08/11/2026 | ; Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grading | 08/11/2026 | 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 75% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | D | B | B | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 259 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/13/2026 | Resolved | finding- 3635 |
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 XXX or an affiliate of the XXX; and(C) The XXX permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Because the SSPL was issued late on XX/XX/XXXX, fees in Section C were subject to XXX% tolerance. The changes resulted in threshold to go above allowable tolerance. A cost to cure in the amount of XXX is required. The defect may be resolved by providing the SPL dated within XXX business days of the XXX, XX/XX/XXXX. If curing the violation: Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, and proof of delivery. | Document Uploaded. ; Document Uploaded. | 07/28/2026 | PCCD and FSS provided; exception resolved ; PCCD and FSS provided; exception resolved ; Updated cure amount to XXX The recording fees increased without a valid COC ; 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 XXX or an affiliate of the XXX; and(C) The XXX permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). | 07/29/2026 | 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 75% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | D | B | C | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 259 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/10/2026 | Resolved | FCRE1185 | Credit | AUS Partially Provided |
AUS Partially Provided. As per the documents provided, the subject property’s PITI is $XXX. However, the most recent AUS reflects a PITI of XXX which matches the Initial CD showing taxes of XXX and insurance of XXX creating a discrepancy. Therefore, the AUS was updated as partial, and the taxes and insurance were corrected to align with the supporting documentation. | I’m not sure why the XXX, is that material? The last-run XXX was XXX #XXX. ; Document Uploaded. The latest XXX submission #XXX reflects Proposed Housing $XXX. | 07/28/2026 | Client confirmed the last run XXX was XXX Submission # XXX XX/XX/XXXX on pg XXX The XXX Key numbers are not an issue. Exception resolved.; AUS is not incomplete.; Based on the documentation in the loan file there were XXX different XXX Key Numbers XXXd with the subject XXX and XXX. Please provide clarification as to the reason for XXX different case files. Upon receipt, additional documentation may be be required. | 07/29/2026 | 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 75% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 259 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/13/2026 | Acknowledged | FCOM5135 | 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 or made no referral of business to affiliates. | Acknowledged, accepting 2/B grading | 07/14/2026 | 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 75% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | D | B | B | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 259 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/10/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/14/2026 | 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 75% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 233 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/14/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/15/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 233 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 07/15/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 233 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 07/15/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 257 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/14/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 07/15/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 257 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/14/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/15/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 257 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 07/15/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 282 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/15/2026 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) |
Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. | Document Uploaded. ; Document Uploaded. | 07/31/2026 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; Documentation has been received, and all assets on the worksheet have been considered accordingly. The XXX shortfall is due to the omission of the XXX (account ending in XXX) balance from the closing and reserve calculations on the asset worksheet. | 08/03/2026 | 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 | A | A | A | B | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 282 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/15/2026 | Resolved | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) |
Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) | Document Uploaded. ; Document Uploaded. | 07/31/2026 | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); Documentation has been received, and all assets on the worksheet have been considered accordingly. The XXX shortfall is due to the omission of the XXX (account ending in XXX) balance from the closing and reserve calculations on the asset worksheet. | 08/03/2026 | 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 | A | A | A | B | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 282 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/14/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX business days prior to the consummation date is required, but missing from the file. | Acknowledged, accepting 2/B grading | 07/15/2026 | 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 | A | A | A | B | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 282 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/15/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/15/2026 | 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 | A | A | A | B | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 283 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 07/16/2026 | 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 45.81% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 45.81% is less than Guideline LTV of 89.99% | B | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 283 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/15/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/16/2026 | 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 45.81% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 45.81% is less than Guideline LTV of 89.99% | B | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 283 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/15/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation.  Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Acknowledged, accepting 2/B grading | 07/16/2026 | 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 45.81% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 45.81% is less than Guideline LTV of 89.99% | B | B | B | B | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 283 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/15/2026 | Acknowledged | FCOM1267 | Compliance | Homeownership Counseling Disclosure Is Partially Provided |
Homeownership Counseling Disclosure Is Partially Provided (Date XXX Received Application is XX/XX/XXXX and XXX is Primary Residence). Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. The XXX disclosure on page XXX does not provide a date it was disclosed. | Acknowledged, accepting 2/B grading | 07/16/2026 | 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 45.81% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 45.81% is less than Guideline LTV of 89.99% | B | B | B | B | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 283 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/15/2026 | Acknowledged | FCOM5135 | 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 or made no referral of business to affiliates. | Acknowledged, accepting 2/B grading | 07/16/2026 | 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 45.81% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 45.81% is less than Guideline LTV of 89.99% | B | B | B | B | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 07/17/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/16/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/17/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 07/17/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 227 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/16/2026 | Resolved | FCRE2371 | Credit | Missing final HUD- XXX from sale of non- subject property |
Provide Final HUD from REO: XXX | Document Uploaded. | 07/23/2026 | Lender provided the signed final HUD from REO: XXX. Condition cleared. | 07/24/2026 | 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 55.35% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 55.35% is less than Guideline CLTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 227 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/16/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/17/2026 | 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 55.35% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 55.35% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 227 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 07/17/2026 | 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 55.35% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 55.35% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 221 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/20/2026 | Resolved | finding- 3634 |
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 lease 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). TILA 130b Cure required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check and proof of Delivery or valid COC. The zero tolerance violation in the amount of XXX is due to the increase from XXX to XXX for Transfer tax fee on CD XX/XX/XXXX. | Document Uploaded. | 07/27/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 07/28/2026 | 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 75% is less than Guideline LTV of 89.99% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | D | B | C | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 221 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/20/2026 | Resolved | finding- 3635 |
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 XXX or an affiliate of the XXX; and(C) The XXX permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check and proof of Delivery or valid COC. The XXX% tolerance violation in the amount of XXX is due to the increase from XXX to XXX for Mortgage recording fee on CD XX/XX/XXXX. | Document Uploaded. | 07/27/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 07/28/2026 | 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 75% is less than Guideline LTV of 89.99% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | D | B | C | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 221 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/17/2026 | Resolved | FCRE1964 | Credit | Missing income documentation |
missing documentation of source/type of income for XXX used to qualify listed as ‘other’ on 1003 | Document Uploaded. Primary with plans to rent out the accessory unit. Appraisal shows accessory unit and Rent Schedule XXX at XXX% XXX = XXX | 07/23/2026 | Cleared per form 1007 confirming primary residence ADU rental income | 07/24/2026 | 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 75% is less than Guideline LTV of 89.99% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 221 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/20/2026 | Acknowledged | FCOM9186 | Compliance | eSigned Documents Consent is Missing |
The signed consent disclosure is missing. Documentation required, 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Acknowledged, accepting 2/B grading | 07/21/2026 | 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 75% is less than Guideline LTV of 89.99% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | D | B | B | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 221 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/17/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/20/2026 | 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 75% is less than Guideline LTV of 89.99% | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 247 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/20/2026 | Resolved | finding- 3652 |
Compliance | Lender Credits That Cannot Decrease Test |
TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to $XXX. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($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). | Document Uploaded. | 07/27/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved; 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). | 07/28/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 247 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/17/2026 | Resolved | finding- 3526 |
Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) |
This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either’s First Class Mail” or “Electronic Delivery” or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or “In Person” and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orthel revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orthel revised loan estimate delivery date is on or after the initial closing disclosure delivery date. The XXX shall not provide a revised version of the disclosures required under §1026.19(e)(1)(I) on or after the date on which the XXX provides the disclosures required under §1026.19(f)(1)(I). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(I) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(I) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the XXX delivers or places such version in the mail. Without evidence of receipt, using the mailbox rule, it is assumed the disclosure dated XX/XX/XXXX was not received by the consumer XXX business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation | Document Uploaded. | 07/27/2026 | Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved | 07/28/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI 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 |
| 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) |
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| 247 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/17/2026 | Acknowledged | FCOM1621 | Compliance | Missing Initial Escrow Disclosure |
Initial Escrow Account Disclosure is Missing. Documentation required to clear exception: Please provide the Initial Escrow Account Disclosure Statement. | Acknowledged, accepting 2/B grading | 07/21/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | B | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 247 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/18/2026 | Resolved | FPRO8998 | 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 | 07/20/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 247 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/18/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 07/20/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 242 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/20/2026 | Resolved | finding- 3634 |
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 lease 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). TILA 130 Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check and proof of Delivery or Valid COC. The tolerance amount of XXX due to increase XXX to XXX for Mortgage Broker Fee on CD dated XX/XX/XXXX. The reimbursement given at closing was applied to the increase in appraisal fees. | Document Uploaded. | 07/28/2026 | Valid COC provided; exception resolved | 07/29/2026 | 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 | A | B | B | 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 | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 242 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/20/2026 | Resolved | finding- 3652 |
Compliance | Lender Credits That Cannot Decrease Test |
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($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). TILA 130 Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check and proof of Delivery or Valid COC. The lender credit tolerance amount of XXX due to decrease XXX to XXX for lender credit CD XX/XX/XXXX. | Document Uploaded. | 07/28/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 07/29/2026 | 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 | A | B | B | 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 | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 242 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/20/2026 | Acknowledged | FCRE1148 | Credit | Title Coverage is Less than Subject Lien |
Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX All title documents are showing loan amount of XXX | Acknowledged, accepting 2/B grading | 07/21/2026 | 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 | B | B | B | B | 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 | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 242 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/20/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation requires. Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date XX/XX/XXXX is required, but missing from the file. | Acknowledged, accepting 2/B grading | 07/21/2026 | 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 | B | B | B | B | 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 | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 242 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/21/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/21/2026 | 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 | B | B | 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 | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 261 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/20/2026 | Acknowledged | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure |
Required Affiliated Business Disclosure Missing. Documentation required. Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provided confirmation that the lender has no affiliates or made no referral of business to affiliates. | Acknowledged, accepting 2/B grading | 07/21/2026 | 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 | B | B | D | A | A | A | B | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 261 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/20/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required. Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required., but is missing from the file. | Acknowledged, accepting 2/B grading | 07/21/2026 | 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 | B | B | D | A | A | A | B | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 261 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/20/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/21/2026 | 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 | B | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 264 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/20/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/21/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.23% is less than Guideline CLTV of 89.99% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 77.23% is less than Guideline LTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 264 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 07/21/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.23% is less than Guideline CLTV of 89.99% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 77.23% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 231 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/21/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 07/22/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.26% is less than Guideline LTV of 89.99% | 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 59.26% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 231 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/21/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/22/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.26% is less than Guideline LTV of 89.99% | 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 59.26% is less than Guideline CLTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 231 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/22/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 07/22/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.26% is less than Guideline LTV of 89.99% | 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 59.26% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 232 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/21/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non- subject property |
Missing verification of taxes, insurance, and/or HOA fees for non-subject property. HOA document is missing for Address — XXX. Requesting for HOA letter shows No HOA or proof of HOA dues. | Document Uploaded. | 07/30/2026 | Client provided web search reflecting no HOA, HOI and tax evidence. ; Verification of taxes, insurance and HOA Fees provided. | 07/31/2026 | 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. | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 232 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/21/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/21/2026 | 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. | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 232 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/21/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 07/21/2026 | 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. | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 235 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/21/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 07/22/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 235 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/21/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/22/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 235 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/21/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 07/22/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 246 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/21/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 07/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.29% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.29% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 246 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/21/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.29% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.29% is less than Guideline LTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 246 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/21/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 07/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.29% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.29% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 260 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/21/2026 | Resolved | finding- 3526 |
Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) |
This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either’s First Class Mail” or “Electronic Delivery” or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or “In Person” and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orthel revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orthel revised loan estimate delivery date is on or after the initial closing disclosure delivery date. The XXX shall not provide a revised version of the disclosures required under §1026.19(e)(1)(I) on or after the date on which the XXX provides the disclosures required under §1026.19(f)(1)(I). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(I) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(I) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the XXX delivers or places such version in the mail. Without evidence of receipt, using the mailbox rule, it is assumed the disclosure dated XX/XX/XXXX was not received by the consumer XXX business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation. | Document Uploaded. | 07/27/2026 | Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved | 07/28/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.27% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.27% is less than Guideline LTV of 89.99% | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 260 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/21/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 07/21/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.27% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.27% is less than Guideline LTV of 89.99% | 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 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 260 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/21/2026 | Resolved | FPRO8998 | 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 | 07/21/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.27% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.27% is less than Guideline LTV of 89.99% | 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 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 281 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/21/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 07/22/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 61.54% is less than Guideline LTV of 89.99% | 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 61.54% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 281 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/21/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/22/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 61.54% is less than Guideline LTV of 89.99% | 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 61.54% is less than Guideline CLTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 281 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/22/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 07/22/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 61.54% is less than Guideline LTV of 89.99% | 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 61.54% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 286 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/21/2026 | Acknowledged | FCOM5135 | 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 or made no referral of business to affiliates. | Acknowledged, accepting 2/B grading | 07/21/2026 | 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 | B | B | B | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 286 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/21/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 07/21/2026 | 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 | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 286 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/21/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/21/2026 | 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 | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 289 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/21/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 07/22/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.18% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 42.86% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 289 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/21/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 07/22/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.18% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 42.86% is less than Guideline LTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 289 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/21/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/22/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.18% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 42.86% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 263 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/22/2026 | Resolved | FPRO8998 | 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 | 07/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | C | B | A | A | C | A | A | A | B | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 263 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/22/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Acknowledged, accepting 2/B grading | 07/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | C | B | B | B | C | A | A | A | B | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 263 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/22/2026 | Acknowledged | FCOM5135 | 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 or made no referral of business to affiliates. | Acknowledged, accepting 2/B grading | 07/22/2026 | Borrower has stable job time — Borrower has XXX years on job. | C | B | B | B | C | A | A | A | B | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 268 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/22/2026 | Resolved | finding- 3532 |
Compliance | Initial Closing Disclosure Delivery Date Test |
Without evidence of receipt, using the mailbox rule, it is assumed the disclosure dated XX/XX/XXXX was not received by the consumer at least XXX business days prior to the consummation date, XX/XX/XXXX. The violation can be cured by providing proof of delivery/receipt of Initial CD at least XXX days prior to closing. 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’s First Class Mail” or “Electronic Delivery” or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or “In Person” and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orthel initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction The XXX shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(I) no later than three business days before consummation. | Document Uploaded. | 08/03/2026 | Initial CD receipt date provided; exception resolved ; Initial CD receipt date provided; exception resolved | 08/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 268 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/23/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/23/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 268 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/23/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 07/23/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 275 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/22/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 07/23/2026 | 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 | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 275 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/22/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/23/2026 | 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 | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 275 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/22/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Acknowledged, accepting 2/B grading | 07/23/2026 | 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 | B | B | B | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 280 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/22/2026 | Resolved | FPRO8998 | 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 | 07/23/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.32% is less than Guideline LTV of 89.99% | 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 59.32% is less than Guideline CLTV of 89.99% | B | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 280 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/22/2026 | Acknowledged | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing |
Homeownership Counseling Disclosure Is Missing. Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. | Acknowledged, accepting 2/B grading | 07/23/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.32% is less than Guideline LTV of 89.99% | 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 59.32% is less than Guideline CLTV of 89.99% | B | B | B | B | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 280 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/22/2026 | Acknowledged | FCOM5135 | 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 or made no referral of business to affiliates. | Acknowledged, accepting 2/B grading | 07/23/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.32% is less than Guideline LTV of 89.99% | 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 59.32% is less than Guideline CLTV of 89.99% | B | B | B | B | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 234 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/23/2026 | Resolved | finding- 3532 |
Compliance | Initial Closing Disclosure Delivery Date Test |
Without evidence of receipt, using the mailbox rule, it is assumed the disclosure dated XX/XX/XXXX was not received by the consumer at least XXX business days prior to the consummation date, XX/XX/XXXX. The violation can be cured by providing proof of delivery/receipt of Initial CD at least XXX days prior to closing. 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’s First Class Mail” or “Electronic Delivery” or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or “In Person” and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orthel initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction The XXX shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(I) no later than three business days before consummation. | Document Uploaded. | 08/05/2026 | Initial CD receipt date provided; exception resolved ; Initial CD receipt date provided; exception resolved | 08/06/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 234 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/24/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/25/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 234 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/23/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 07/25/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 237 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/22/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non- subject property |
Missing verification of taxes, insurance, and/or HOA fees for non-subject property. AUDIT: Proposed Subj Property(XXX). Verified taxes per tax roll pg. #XXX. XXX=$XXX/XXX=$XXX vs Lender’s qualifying taxes-$XXX. Using tax figure as most conservative. Still subj to documented evidence to further support monthly amount | Document Uploaded. ; Document Uploaded. | 08/04/2026 | Client provided Statement reflecting tax amount used to qualify for REO at XXX. Resolved. ; Verification of taxes, insurance and HOA Fees provided.; Please provide the property tax calculation/milage rate for the subject, XXX, that supports XXX per month used to qualify. | 08/05/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 237 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/23/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 07/25/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 237 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/22/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/25/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 249 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/23/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 07/25/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 249 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/23/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 07/25/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 249 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/23/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/25/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 277 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/22/2026 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI |
Audited DTI of XXX% exceeds AUS DTI of XXX%. DTI discrepancy due to the following: XXX Lender used Bonus income in the amount of XXX only XXX is supported by the submitted documentation XXX Lender used rental property income of XXX only XXX is supported by the submitted documentation Audited DTI of XXX% exceeds AUS DTI of XXX%. DTI discrepancy due to the following: XXX Lender used Bonus income in the amount of XXX only XXX is supported by the submitted documentation XXX Lender used rental property income of XXX only XXX is supported by the submitted documentation | Document Uploaded. Bonus: XXX appears to be supported. YTD average XXX average XXX average $XXX. XXX mos avg $XXX. Rental income: XXX is actually the income reflected on the paystub as XXX and is documented on the attached income worksheet. | 08/03/2026 | Bonus income is supported through docs in file, as it was calculated incorrectly using the lower XXX as the bonus amount. The WVOE States the bonus amounts, updated the income, the DTI corresponds to the AUS approval. ; Audited DTI of XXX% is less than or equal to AUS DTI of XXX% | 08/04/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 277 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/22/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/23/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 277 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/23/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 07/23/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/24/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 07/25/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 78.96% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 78.96% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/23/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/25/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 78.96% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 78.96% is less than Guideline CLTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/23/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 07/25/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 78.96% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 78.96% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 230 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/24/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 07/25/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 76.46% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 76.46% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 230 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/23/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 07/25/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 76.46% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 76.46% is less than Guideline CLTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 230 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/23/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/25/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 76.46% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 76.46% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 270 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/23/2026 | Acknowledged | FCRE9785 | Credit | Purchase Contract is Incomplete |
Loan Purpose is Purchase but Purchase Contract Doc is Incomplete. Interested Party Contribution is not mentioned in the contract of sale. | Acknowledged as a XXX — Non-Material, nothing additional to provide. | 08/12/2026 | Acknowledged, accepting 2/B grading | 08/12/2026 | 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 | B | B | B | B | B | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 270 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/24/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 07/25/2026 | 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 | B | A | A | B | B | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 270 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/23/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/25/2026 | 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 | B | A | A | B | B | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 290 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/27/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation.  Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Acknowledged, accepting 2/B grading | 07/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | 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 | B | B | B | B | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 290 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/24/2026 | Acknowledged | FCOM9186 | Compliance | eSigned Documents Consent is Missing |
The signed consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Acknowledged, accepting 2/B grading | 07/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | 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 | B | B | B | B | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 290 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/23/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 07/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | 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 | B | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 290 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/23/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/27/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | 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 | B | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 295 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/24/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided |
Missing Third Party Fraud Report. | Document Uploaded. | 08/03/2026 | Third Party Fraud Report is provided. | 08/04/2026 | 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 | B | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 295 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/23/2026 | Acknowledged | FCOM5135 | 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 or made no referral of business to affiliates. | Acknowledged, accepting 2/B grading | 07/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | B | B | D | A | A | A | B | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 295 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/24/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/27/2026 | 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 | B | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 223 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/28/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 07/30/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 223 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/28/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/30/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 223 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/27/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 07/30/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 236 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/27/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 07/30/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 236 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 07/30/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 236 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/27/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/30/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 243 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 07/30/2026 | 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 70% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 243 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/27/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/30/2026 | 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 70% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 243 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/27/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 07/30/2026 | 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 70% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 245 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 07/30/2026 | 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 70% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 245 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/27/2026 | Resolved | FPRO8998 | 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 | 07/30/2026 | 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 70% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 245 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/27/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 07/30/2026 | 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 70% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 272 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/27/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The borrower signed the XXX day appraisal delivery waiver, but there is no evidence a copy of the appraisal was provided at closing. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Acknowledged, accepting 2/B grading | 07/30/2026 | 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 | B | B | B | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 272 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 07/30/2026 | 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 | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 272 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/27/2026 | Resolved | FPRO8998 | 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 | 07/30/2026 | 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 | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 288 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/27/2026 | Acknowledged | FCOM1267 | Compliance | Homeownership Counseling Disclosure Is Partially Provided |
Homeownership Counseling Disclosure Is Partially Provided (Date XXX Received Application is XX/XX/XXXX and XXX is Primary Residence). Documentation required to clear exception:  Provide homeownership counseling disclosure that contains the full list of XXX counselors were provided to the consumer within XXX-business days of application, XX/XX/XXXX.  Per the list in the file only XXX were provided. | Acknowledged, accepting 2/B grading | 07/30/2026 | 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 | B | B | B | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 288 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 07/30/2026 | 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 | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 288 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/27/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/30/2026 | 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 | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 292 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/28/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 07/30/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 292 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/27/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/30/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 292 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/27/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 07/30/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 293 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/27/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Acknowledged, accepting 2/B grading | 07/30/2026 | 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 | B | B | B | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 293 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/27/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/30/2026 | 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 | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 293 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 07/30/2026 | 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 | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 238 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 07/30/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 73.09% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 73.09% is less than Guideline CLTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 238 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 07/30/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 73.09% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 73.09% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 238 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/29/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/30/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 73.09% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 73.09% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 250 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/29/2026 | Resolved | FCRE1185 | Credit | AUS Partially Provided |
AUS Partially Provided. Pages are missing from document. Please provide full copy of Final AUS #XXX. | Document Uploaded. | 08/04/2026 | AUS/DU was provided and reviewed as complete and acceptable ; AUS is not incomplete. | 08/05/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 250 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 07/30/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 250 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/29/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/30/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 251 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 07/30/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 251 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/29/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/30/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 251 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 07/30/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 258 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 07/30/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 258 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 07/30/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 258 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/29/2026 | Resolved | FPRO8998 | 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 | 07/30/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 287 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/29/2026 | Acknowledged | FCOM5135 | 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 or made no referral of business to affiliates. | Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grading | 08/10/2026 | 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 | B | B | B | B | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 287 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/29/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation.  Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grading | 08/10/2026 | 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 | B | B | B | B | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 287 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/30/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 07/30/2026 | 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 | B | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 287 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/29/2026 | Resolved | FPRO8998 | 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 | 07/30/2026 | 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 | B | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 291 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/29/2026 | Resolved | FCRE1472 | Credit | Asset 6 Missing |
Asset 6 Missing. Missing E-Trade account Statement. | Document Uploaded. These were provided and are good for XXX months XX/XX/XXXX — XX/XX/XXXX | 08/04/2026 | Asset #XXX for XXX was provided and reviewed for XXX mos verification as required by XXX is acceptable ; Asset 6 Provided Or Not Applicable | 08/05/2026 | 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 | B | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 291 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/29/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided on page XXX indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation.  Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. The Borrower waiver of Appraisal Review Period disclosure on page XXX States the borrower does not waive his/her right to receive a copy of all appraisals at least XXX days prior to the closing. | Acknowledged, accepting 2/B grading | 07/30/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | B | B | D | A | A | A | B | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 291 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/29/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/30/2026 | 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 | B | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 294 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/29/2026 | Resolved | FCRE1328 | Credit | Borrower 1 W2/1099 Missing |
Borrower 1 W2/1099 Missing. Provide XXX W2 | Document Uploaded. | 08/04/2026 | Client provided W2 for XXX as required. Meets guides and coincides with income calculation used to qualify. ; Borrower 1 W2/XXX Provided | 08/05/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75.24% is less than Guideline CLTV of 89.99% | 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% | Original LTV is Below the Guideline Maximum — Calculated LTV of 75.24% is less than Guideline LTV of 89.99% | D | B | D | A | D | A | C | A | B | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 294 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/29/2026 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements |
Asset Qualification Does Not Meet Guideline Requirements. Per guidelines XXX months PITI reserves required in the amount of XXX | Document Uploaded. All supporting docs were provided | 08/04/2026 | Client provided XXX bank Statement acct XXX dated XX/XX/XXXX with balance of XXX which resolves reserve conditions. ; Asset Qualification Meets Guideline Requirements. | 08/05/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75.24% is less than Guideline CLTV of 89.99% | 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% | Original LTV is Below the Guideline Maximum — Calculated LTV of 75.24% is less than Guideline LTV of 89.99% | D | B | C | A | D | A | C | A | B | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 294 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/29/2026 | Resolved | FCRE3843 | Credit | Guideline Seasoning not Met |
The required number of months reserves are to be seasoned does not meet Guideline requirement. Per guidelines XXX months PITI reserves required in the amount of XXX | Document Uploaded. All supporting docs were provided | 08/04/2026 | Client provided XXX acct XXX dated XX/XX/XXXX with balance of XXX which resolves reserve conditions. ; The required number of months reserves are to be seasoned does meet Guideline requirement. | 08/05/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75.24% is less than Guideline CLTV of 89.99% | 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% | Original LTV is Below the Guideline Maximum — Calculated LTV of 75.24% is less than Guideline LTV of 89.99% | D | B | D | A | D | A | C | A | B | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 294 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/29/2026 | Resolved | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) |
Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) | Document Uploaded. All supporting docs were provided | 08/04/2026 | Client provided XXX acct XXX dated XX/XX/XXXX with balance of XXX which resolves reserve conditions. ; Audited Reserves of XX/XX/XXXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 08/05/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75.24% is less than Guideline CLTV of 89.99% | 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% | Original LTV is Below the Guideline Maximum — Calculated LTV of 75.24% is less than Guideline LTV of 89.99% | D | B | C | A | D | A | C | A | B | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 294 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/29/2026 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) |
Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Provide assets to support reserves. | Document Uploaded. All supporting docs were provided | 08/04/2026 | Client provided XXX acct XXX dated XX/XX/XXXX with balance of XXX which resolves reserve conditions. ; Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | 08/05/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75.24% is less than Guideline CLTV of 89.99% | 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% | Original LTV is Below the Guideline Maximum — Calculated LTV of 75.24% is less than Guideline LTV of 89.99% | D | B | C | A | D | A | C | A | B | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 294 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/29/2026 | Acknowledged | FCOM5135 | 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 or made no referral of business to affiliates. | Acknowledged, accepting 2/B grading | 07/30/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75.24% is less than Guideline CLTV of 89.99% | 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% | Original LTV is Below the Guideline Maximum — Calculated LTV of 75.24% is less than Guideline LTV of 89.99% | D | B | B | B | D | A | C | A | B | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 294 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/29/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/30/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75.24% is less than Guideline CLTV of 89.99% | 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% | Original LTV is Below the Guideline Maximum — Calculated LTV of 75.24% is less than Guideline LTV of 89.99% | D | B | A | A | D | A | C | A | B | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/30/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 07/31/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/30/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/31/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/31/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 07/31/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 267 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/31/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 07/31/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 267 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/30/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 07/31/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 267 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/30/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 07/31/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 279 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/30/2026 | Acknowledged | FCOM5135 | 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 or made no referral of business to affiliates. | Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grading | 08/10/2026 | 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 75% is less than Guideline CLTV of 89.99% | 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 75% is less than Guideline LTV of 89.99% | B | B | B | B | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 279 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/30/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grading | 08/10/2026 | 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 75% is less than Guideline CLTV of 89.99% | 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 75% is less than Guideline LTV of 89.99% | B | B | B | B | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 279 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/30/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 07/30/2026 | 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 75% is less than Guideline CLTV of 89.99% | 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 75% is less than Guideline LTV of 89.99% | B | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 279 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/30/2026 | Resolved | FPRO8998 | 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 | 07/30/2026 | 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 75% is less than Guideline CLTV of 89.99% | 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 75% is less than Guideline LTV of 89.99% | B | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 241 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/04/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 08/04/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.11% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.11% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 241 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/31/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 08/04/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.11% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.11% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 241 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/31/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 08/04/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.11% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.11% is less than Guideline LTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 253 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/31/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 08/04/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 253 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/31/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 08/04/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 253 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/03/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 08/04/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 254 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/31/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 08/04/2026 | 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 79% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 79% is less than Guideline LTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 254 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/31/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 08/04/2026 | 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 79% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 79% is less than Guideline LTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 254 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/03/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 08/04/2026 | 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 79% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 79% is less than Guideline LTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 265 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/03/2026 | Acknowledged | FCOM5135 | 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 or made no referral of business to affiliates. | Acknowledged, accepting 2/B grading | 08/14/2026 | 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 70% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% | 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 | B | B | B | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 265 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/31/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 08/03/2026 | 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 70% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% | 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 | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 265 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/31/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 08/03/2026 | 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 70% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% | 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 | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 266 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/31/2026 | Resolved | FPRO8998 | 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 | 08/03/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 77.92% is less than Guideline LTV of 89.99% | 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 77.92% is less than Guideline CLTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 266 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/31/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 08/03/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 77.92% is less than Guideline LTV of 89.99% | 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 77.92% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 266 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/03/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 08/03/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 77.92% is less than Guideline LTV of 89.99% | 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 77.92% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 269 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/31/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 08/04/2026 | 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 % is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.45% is less than Guideline CLTV of 89.99% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 66.45% is less than Guideline LTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 269 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
07/31/2026 | Resolved | FPRO8998 | 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 | 08/04/2026 | 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 % is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.45% is less than Guideline CLTV of 89.99% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 66.45% is less than Guideline LTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 269 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/03/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 08/04/2026 | 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 % is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.45% is less than Guideline CLTV of 89.99% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 66.45% is less than Guideline LTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 228 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/05/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 08/05/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 228 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/04/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 08/05/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 228 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/03/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 08/05/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 240 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/04/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 08/05/2026 | 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 58.44% is less than Guideline CLTV of 89.99% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.44% is less than Guideline LTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 240 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/03/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 08/05/2026 | 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 58.44% is less than Guideline CLTV of 89.99% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.44% is less than Guideline LTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 240 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/03/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 08/05/2026 | 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 58.44% is less than Guideline CLTV of 89.99% | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.44% is less than Guideline LTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 248 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/04/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 08/05/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% | 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 70% is less than Guideline CLTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 248 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/03/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 08/05/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% | 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 70% is less than Guideline CLTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 248 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/03/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 08/05/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% | 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 70% is less than Guideline CLTV of 89.99% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 278 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/18/2026 | Acknowledged | FCRE9785 | Credit | Purchase Contract is Incomplete |
Loan Purpose is Purchase but Purchase Contract Doc is Incomplete. | 08/18/2026 | 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 | B | B | B | B | B | B | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 278 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/05/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 08/05/2026 | 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 | B | B | A | A | B | B | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 278 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/04/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 08/05/2026 | 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 | B | B | A | A | B | B | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 284 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/05/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 08/05/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 284 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/03/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 08/05/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 284 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/03/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 08/05/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 285 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/04/2026 | Acknowledged | FCOM5135 | 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 or made no referral of business to affiliates. | Acknowledged, accepting 2/B grading | 08/05/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89% | 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 75% is less than Guideline CLTV of 89% | B | B | B | B | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 285 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/04/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Acknowledged, accepting 2/B grading | 08/05/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89% | 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 75% is less than Guideline CLTV of 89% | B | B | B | B | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 285 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/03/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 08/05/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89% | 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 75% is less than Guideline CLTV of 89% | B | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 285 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/03/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 08/05/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89% | 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 75% is less than Guideline CLTV of 89% | B | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 239 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/04/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 08/05/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 78.76% is less than Guideline CLTV of 89.9% | Original LTV is Below the Guideline Maximum — Calculated LTV of 78.76% is less than Guideline LTV of 89.9% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 239 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/03/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 08/05/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 78.76% is less than Guideline CLTV of 89.9% | Original LTV is Below the Guideline Maximum — Calculated LTV of 78.76% is less than Guideline LTV of 89.9% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 239 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/03/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 08/05/2026 | Borrower has stable job time — Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 78.76% is less than Guideline CLTV of 89.9% | Original LTV is Below the Guideline Maximum — Calculated LTV of 78.76% is less than Guideline LTV of 89.9% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 252 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/04/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 08/05/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 252 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/03/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 08/05/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 252 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/03/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 08/05/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 262 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/04/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 08/05/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 262 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/03/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 08/05/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 262 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/03/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 08/05/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 220 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/05/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 08/05/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 220 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/05/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 08/05/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 220 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/05/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 08/05/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 271 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/05/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings |
The loan is in compliance with all applicable laws and regulations. | Informational | 08/05/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 271 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/05/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. | Informational | 08/05/2026 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 271 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/05/2026 | Resolved | FPRO8998 | Property | No Property Findings |
Property and valuations related findings were not identified on the loan. | Informational | 08/05/2026 | 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 |
| 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) |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 296 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/05/2026 | Acknowledged | FCOM5135 | 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 or made no referral of business to affiliates. | Acknowledged, accepting 2/B grading | 08/05/2026 | 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 58.76% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.76% is less than Guideline LTV of 89.99% | B | B | B | B | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 296 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/04/2026 | Resolved | FCRE8999 | Credit | No Credit Findings |
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Informational | 08/05/2026 | 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 58.76% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.76% is less than Guideline LTV of 89.99% | B | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 296 | XXX | XXXXX | XX/ XX/ XXXX |
$XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |
08/04/2026 | Resolved | FPRO8998 | 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 | 08/05/2026 | 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 58.76% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.76% is less than Guideline LTV of 89.99% | B | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||