Exhibit 99.02 Schedule 3
| Loan ID | Seller Loan ID | Investor Loan ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| 6000080462 | C | A | C | A | B | A | A | A | Closed | FCOM5135 | 2022-11-04 15:02 | 2022-11-17 13:56 | Acknowledged | 1 - Information | B | A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-11/04/2022 | Acknowledged-Required
Affiliated Business Disclosure Missing - Due Diligence Vendor-11/04/2022 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years
At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 5 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI is 34.56% vs lender 37.51% due to S/E income. Calculated DTI Of 37.64% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 74.03% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | No | xxxxx | |||||
| 6000080462 | C | A | C | A | B | A | A | A | Closed | FCRE1493 | 2022-11-07 13:40 | 2022-11-08 13:07 | Resolved | 1 - Information | C | A | Credit | Eligibility | Trade line count does not meet program requirements | Resolved-Found payments for VOR and tradelines meet
requirements. - Due Diligence Vendor-11/08/2022 Ready for Review-The credit report denotes several active accounts meeting the 2 tradeline requirements: AES/EFS - Educational 97 months reviewed; xxx- active - 16 months reviewed; xxx - active - 13 months reviewed and xxx- active - 14 months reviewed. Additionally, per the breakdown of the VOR information provided on page 197 of the initial shipping package, the rental payments are noted within the xxx statements xxx. - Buyer-11/07/2022 Open-Missing 2nd tradeline to meet requirements of 2 accts with 12 month history in last 24 months, without derogatory history in previous 24 months. Per 1008, VOR used to support guideline tradeline requirement. File does not contain VOR. - Due Diligence Vendor-11/07/2022 |
Resolved-Found payments
for VOR and tradelines meet requirements. - Due Diligence
Vendor-11/08/2022 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years
At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 5 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI is 34.56% vs lender 37.51% due to S/E income. Calculated DTI Of 37.64% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 74.03% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | |||||
| 4000114341 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000121653 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-04-01 05:09 | 2026-04-07 10:26 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***received confirmation of the application date.
- Due Diligence Vendor-04/07/2026 Ready for Review-Please see the attached system image reflecting application date xxx Thank you! - Due Diligence Vendor-04/06/2026 Open-Documentation provided does not include confirmation of the borrower’s application date. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you. - Due Diligence Vendor-04/01/2026 |
Resolved-***received
confirmation of the application date. - Due Diligence Vendor-04/07/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By
Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The
Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 68% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.24% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.36 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.75 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.40 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000122271 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000122196 | C | A | A | A | C | A | A | A | Closed | FCOM1265 | 2026-04-03 13:03 | 2026-04-07 12:23 | Resolved | 1 - Information | C | A | Compliance | TILA | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-Non-Borrower Title Holder Received Right of
Rescission Form ***received missing non-borrower's executed NORTC - Due
Diligence Vendor-04/07/2026 Ready for Review-Please see attached file. Thank you. - Due Diligence Vendor-04/07/2026 Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form ******The Notice of Right to Cancel, executed by xxx, has not been provided. - Due Diligence Vendor-04/03/2026 |
Resolved-Non-Borrower
Title Holder Received Right of Rescission Form ***received missing
non-borrower's executed NORTC - Due Diligence Vendor-04/07/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By
Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The
Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40.13% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.76 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.49 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000122196 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-04-03 13:05 | 2026-04-07 12:13 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received confirmation of the application date
- Due Diligence Vendor-04/07/2026 Ready for Review-Please see attached file. Thank you. - Due Diligence Vendor-04/06/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-04/03/2026 |
Resolved-***Received
confirmation of the application date - Due Diligence Vendor-04/07/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By
Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The
Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40.13% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.76 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.49 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000122190 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-04-03 08:21 | 2026-04-07 12:11 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-***Received PCCD
- Due Diligence Vendor-04/07/2026 Ready for Review-Please see the attached POST CD - Due Diligence Vendor-04/06/2026 Open- - Due Diligence Vendor-04/03/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The 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. ******* Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-04/03/2026 Open- - Due Diligence Vendor-04/03/2026 |
Resolved-***Received PCCD
- Due Diligence Vendor-04/07/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.91 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.58 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000122194 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-04-06 13:43 | 2026-04-07 13:38 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received
confirmation of the application date - Due Diligence Vendor-04/07/2026 Ready for Review-Please see the attached system image reflecting application date xxx. Thank you! - Due Diligence Vendor-04/07/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-04/06/2026 |
Resolved-***Received
confirmation of the application date - Due Diligence Vendor-04/07/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More
Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.98% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000123206 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000122200 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-04-06 05:16 | 2026-04-08 15:30 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received
confirmation of the application date. - Due Diligence Vendor-04/08/2026 Ready for Review-Here you are. - Due Diligence Vendor-04/08/2026 Open-Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-04/06/2026 |
Resolved-***Received
confirmation of the application date. - Due Diligence Vendor-04/08/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of
70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 11.24 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 43.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000122327 | C | A | C | A | C | A | A | A | Closed | FCRE1159 | 2026-04-08 02:35 | 2026-04-15 18:03 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-PCCD received,
data entered, no additional compliance findings. Thank you - Due Diligence
Vendor-04/15/2026 Ready for Review-Disbursement date is xxx. I kindly request to waive the condition. - Due Diligence Vendor-04/15/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - please provide evidence of coverage or that the day lapse is fine with lender. - Due Diligence Vendor-04/08/2026 |
Resolved-PCCD received,
data entered, no additional compliance findings. Thank you - Due Diligence
Vendor-04/15/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More
Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.48% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.87 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000122327 | C | A | C | A | C | A | A | A | Closed | finding-3631 | 2026-04-08 10:11 | 2026-04-15 18:01 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-PCCD received,
data entered, no additional compliance findings. Thank you - Due Diligence
Vendor-04/15/2026 Resolved- - Due Diligence Vendor-04/15/2026 Open-***** Findings in relation to ****The recording and creditor list charges disclosed to the borrower in the Initial Loan Estimate total xxx, Final charges to borrower xxx. 10% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/08/2026 Open- - Due Diligence Vendor-04/08/2026 Open- - Due Diligence Vendor-04/08/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/08/2026 Open- - Due Diligence Vendor-04/08/2026 |
Resolved-PCCD received,
data entered, no additional compliance findings. Thank you - Due Diligence
Vendor-04/15/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More
Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.48% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.87 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | |||||
| 4000122327 | C | A | C | A | C | A | A | A | Closed | finding-3632 | 2026-04-08 10:11 | 2026-04-15 18:01 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-PCCD received,
data entered, no additional compliance findings. Thank you - Due Diligence
Vendor-04/15/2026 Resolved- - Due Diligence Vendor-04/15/2026 Ready for Review-Here is the POST CD. Please review and Please also clear the two conditions below. - Due Diligence Vendor-04/15/2026 Open-***** Findings in relation to ****The recording and creditor list charges disclosed to the borrower in the Initial Loan Estimate total xxx, Final charges to borrower xxx. 10% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/08/2026 Open- - Due Diligence Vendor-04/08/2026 Open- - Due Diligence Vendor-04/08/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/08/2026 Open- - Due Diligence Vendor-04/08/2026 |
Resolved-PCCD received,
data entered, no additional compliance findings. Thank you - Due Diligence
Vendor-04/15/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More
Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.48% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.87 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000122327 | C | A | C | A | C | A | A | A | Closed | finding-3635 | 2026-04-08 10:11 | 2026-04-15 18:01 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-PCCD received,
data entered, no additional compliance findings. Thank you - Due Diligence
Vendor-04/15/2026 Resolved- - Due Diligence Vendor-04/15/2026 Open-****The recording and creditor list charges disclosed to the borrower in the Initial Loan Estimate total xxx, Final charges to borrower xxx. 10% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/08/2026 Open- - Due Diligence Vendor-04/08/2026 Open- - Due Diligence Vendor-04/08/2026 Open- - Due Diligence Vendor-04/08/2026 |
Resolved-PCCD received,
data entered, no additional compliance findings. Thank you - Due Diligence
Vendor-04/15/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More
Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.48% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.87 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | |||||
| 4000122602 | D | A | D | A | A | A | A | A | Closed | FCRE1152 | 2026-04-08 11:20 | 2026-04-09 10:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Evidence of Property Tax Missing | Resolved-tax cert
provided - Due Diligence
Vendor-04/09/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-04/08/2026 Open-Property address - xxx , Evidence of Property Tax Missing - Due Diligence Vendor-04/08/2026 |
Resolved-tax cert
provided - Due Diligence
Vendor-04/09/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.16% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000122604 | D | A | D | A | A | A | A | A | Closed | FCRE1152 | 2026-04-09 05:26 | 2026-04-13 13:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Evidence of Property Tax Missing | Resolved-Property report
provided - Due Diligence Vendor-04/13/2026 Ready for Review-Hello Team, this is the duplex so we have two address. Please see attached and the property profile already showing the property tax due. Thank you - Due Diligence Vendor-04/13/2026 Counter-The condition is for Missing tax cert for xxx - The Property report that was provided in this condition is for xxx - Due Diligence Vendor-04/13/2026 Ready for Review-Hello Team, please see PP showing the tax cert. It was included in the CP before. Thank you - Due Diligence Vendor-04/10/2026 Open-Property address xxx do not have tax docs on file. Please provide - Due Diligence Vendor-04/09/2026 |
Resolved-Property report
provided - Due Diligence Vendor-04/13/2026 |
Calculated DTI Is Less
Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of
39.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or
More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.17 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000123957 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000122614 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-04-15 23:38 | 2026-04-17 12:23 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-***Received PCCD
- Due Diligence Vendor-04/17/2026 Resolved- - Due Diligence Vendor-04/17/2026 Ready for Review-Hello team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxx. Thank you - Due Diligence Vendor-04/16/2026 Open- - Due Diligence Vendor-04/16/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The 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. Cancelation date xxx, please provide PCCD with the updated disbursement date after cancel date. Thank you. - Due Diligence Vendor-04/16/2026 Open- - Due Diligence Vendor-04/16/2026 Open- - Due Diligence Vendor-04/16/2026 |
Resolved-***Received PCCD
- Due Diligence Vendor-04/17/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below
The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.4 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000124371 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000122817 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-04-23 03:27 | 2026-04-24 08:04 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received
confirmation of the application date - Due Diligence Vendor-04/24/2026 Ready for Review-Please see the attached App snip - Due Diligence Vendor-04/24/2026 Open- Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-04/23/2026 |
Resolved-***Received
confirmation of the application date - Due Diligence Vendor-04/24/2026 |
Calculated DTI Is Less
Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of
32.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or
More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.28 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.73 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000124849 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000124596 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000126566 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000126569 | C | B | C | B | A | A | A | A | Closed | FCRE1492 | 2026-05-04 15:39 | 2026-05-13 14:41 | Waived | 2 - Non-Material | C | B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Lender exception
for cash out exceeding xxx - Due Diligence Vendor-05/13/2026 Ready for Review-Please see attached. - Due Diligence Vendor-05/13/2026 Counter-Provide approved lender exception - Due Diligence Vendor-05/12/2026 Ready for Review-An exception was requested and it appears to have been accepted. Please clear this condition. - Due Diligence Vendor-05/12/2026 Open-Cash out exceeds xxx. Cash in hand above xxx only allowed for LTV 60% and below. Current LTV of 69.92 would cap cash to borrower at xxx. - Due Diligence Vendor-05/04/2026 |
Waived-Lender exception
for cash out exceeding xxx - Due Diligence Vendor-05/13/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More
Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 35.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 117.99 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
FICO xxx Experienced Investor No Housing Lates |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxx | |||
| 4000125787 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000126547 | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2026-04-29 02:27 | 2026-04-30 06:34 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Disbursement date
on PCCD after hazard effective date. -
Due Diligence Vendor-04/30/2026 Ready for Review-Here is the POST CD. - Due Diligence Vendor-04/30/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Missing updated insurance or Final CD if it shows different date. - Due Diligence Vendor-04/29/2026 |
Resolved-Disbursement date
on PCCD after hazard effective date. -
Due Diligence Vendor-04/30/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More
Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.85 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000124886 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000127317 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000127416 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000126550 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-04-29 18:04 | 2026-04-30 15:40 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-Lender provided
LOS screenshot indicating Application date of xxx - Due Diligence
Vendor-04/30/2026 Ready for Review-Please see the attached system image reflecting application date xxx. Thank you! - Due Diligence Vendor-04/30/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-04/29/2026 |
Resolved-Lender provided
LOS screenshot indicating Application date of xxx - Due Diligence
Vendor-04/30/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.35% Is
Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.34 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.87 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000126586 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000127716 | D | A | D | A | C | A | A | A | Closed | FCOM7353 | 2026-04-30 16:10 | 2026-05-01 15:06 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-received
confirmation of the application date - Due Diligence Vendor-05/01/2026 Ready for Review-Please see the attached App snip - Due Diligence Vendor-05/01/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-04/30/2026 |
Resolved-received
confirmation of the application date - Due Diligence Vendor-05/01/2026 |
Borrower 1 Has Stable Time
In Profession By Ten (10) Years Or More - VALIDATED Borrower 1 Has Stable
Time In Profession By Ten (10) Years Or More - 22 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - VALIDATED Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.23 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - VALIDATED Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - VALIDATED Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127716 | D | A | D | A | C | A | A | A | Closed | FCRE1826 | 2026-04-30 06:58 | 2026-05-01 13:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | US Driver’s License or other US or foreign government-issued photo ID Missing | Resolved-Valid Drivers
License provided - Due Diligence
Vendor-05/01/2026 Ready for Review-Please see the attached DL - Due Diligence Vendor-05/01/2026 Open-xxx GOVT ID IS MISSING. - Due Diligence Vendor-04/30/2026 |
Resolved-Valid Drivers
License provided - Due Diligence
Vendor-05/01/2026 |
Borrower 1 Has Stable Time
In Profession By Ten (10) Years Or More - VALIDATED Borrower 1 Has Stable
Time In Profession By Ten (10) Years Or More - 22 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - VALIDATED Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.23 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - VALIDATED Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - VALIDATED Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127716 | D | A | D | A | C | A | A | A | Closed | FCRE947 | 2026-04-30 02:19 | 2026-05-01 13:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 3 Citizenship Documentation Not Provided | Resolved-Valid Drivers
License provided - Due Diligence
Vendor-05/01/2026 Ready for Review-Please see the attached DL and note that US citizen - Due Diligence Vendor-05/01/2026 Open-Borrower 3 Citizenship Documentation Is Missing VALIDATED - Due Diligence Vendor-04/30/2026 |
Resolved-Valid Drivers
License provided - Due Diligence
Vendor-05/01/2026 |
Borrower 1 Has Stable Time
In Profession By Ten (10) Years Or More - VALIDATED Borrower 1 Has Stable
Time In Profession By Ten (10) Years Or More - 22 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - VALIDATED Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.23 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - VALIDATED Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - VALIDATED Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127822 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000124171 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000127836 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000127649 | D | A | A | A | C | A | D | A | Closed | FPRO1242 | 2026-05-04 07:21 | 2026-05-07 15:15 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has
been provided - Due Diligence Vendor-05/07/2026 Ready for Review-Please see the attached appraisal report - Due Diligence Vendor-05/07/2026 Open-Appraisal is Missing Appraisal 1004 is Missing - Due Diligence Vendor-05/04/2026 |
Resolved-Appraisal has
been provided - Due Diligence Vendor-05/07/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.67 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.47 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127649 | D | A | A | A | C | A | D | A | Closed | FCOM7353 | 2026-05-05 15:53 | 2026-05-06 15:27 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received
confirmation of the application date - Due Diligence Vendor-05/06/2026 Ready for Review-Please see the attached app snip - Due Diligence Vendor-05/06/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-05/05/2026 |
Resolved-***Received
confirmation of the application date - Due Diligence Vendor-05/06/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.67 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.47 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000126587 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-05-05 16:27 | 2026-05-06 15:26 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***received
confirmation of the application date - Due Diligence Vendor-05/06/2026 Ready for Review-Please see the attached app snip - Due Diligence Vendor-05/06/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-05/05/2026 |
Resolved-***received
confirmation of the application date - Due Diligence Vendor-05/06/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 25.9% Is
Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000125792 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000126573 | D | A | D | A | A | A | A | A | Closed | FCRE1197 | 2026-05-04 10:38 | 2026-05-05 10:40 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Audited FICO of
xxx is greater than or equal to Guideline FICO of xxx - Due Diligence
Vendor-05/05/2026 Ready for Review-Please see the uploaded Credit Report reflecting FICO score xxx. Thank you! - Due Diligence Vendor-05/05/2026 Open-Audited FICO of is less than Guideline FICO of xxx - Due Diligence Vendor-05/04/2026 |
Resolved-Audited FICO of
xxx is greater than or equal to Guideline FICO of xxx - Due Diligence
Vendor-05/05/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40.89% Is
Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.25 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | |||||
| 4000126573 | D | A | D | A | A | A | A | A | Closed | FCRE5770 | 2026-05-04 10:35 | 2026-05-05 10:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit
Report is not missing. - Due Diligence Vendor-05/05/2026 Ready for Review-Sorry for the confusion, please see the attached Credit Report. Thank you! - Due Diligence Vendor-05/05/2026 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-05/04/2026 |
Resolved-Borrower 1 Credit
Report is not missing. - Due Diligence Vendor-05/05/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40.89% Is
Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.25 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000126573 | D | A | D | A | A | A | A | A | Closed | FCRE1164 | 2026-05-04 10:19 | 2026-05-05 10:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Insurance Policy Missing | Resolved-Flood Insurance
Policy is fully present - Due Diligence Vendor-05/05/2026 Ready for Review-Sorry for the confusion, please see the attached Flood Insurance. Thank you! - Due Diligence Vendor-05/05/2026 Open-Missing Flood Insurance Policy - Due Diligence Vendor-05/04/2026 |
Resolved-Flood Insurance
Policy is fully present - Due Diligence Vendor-05/05/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40.89% Is
Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.25 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000126628 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-05-04 13:51 | 2026-05-06 15:22 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***received
confirmation of the application date - Due Diligence Vendor-05/06/2026 Ready for Review-Please see the attached system image reflecting application date xxx. For your reference, please note that the borrower sign is dated xxx but the attached audit trail supports the package delivery date xxx. Thank you! - Due Diligence Vendor-05/05/2026 Open-**** Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-05/04/2026 |
Resolved-***received
confirmation of the application date - Due Diligence Vendor-05/06/2026 |
Calculated DTI Is Less
Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of
23.48% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or
More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 39.27% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.31 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.52 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000127690 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000126588 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-05-06 15:20 | 2026-05-07 16:31 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received
confirmation of the application date - Due Diligence Vendor-05/07/2026 Ready for Review-Please find attached. - Due Diligence Vendor-05/06/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-05/06/2026 |
Resolved-***Received
confirmation of the application date - Due Diligence Vendor-05/07/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 56.96% Is
Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.91 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000126580 | D | A | D | A | A | A | A | A | Closed | FCRE1467 | 2026-05-06 01:39 | 2026-05-20 11:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Lender provided
updated 1003 and asset information. -
Due Diligence Vendor-05/20/2026 Resolved-Asset 1 Provided - Due Diligence Vendor-05/20/2026 Ready for Review-Please note the 1003 has been updated and only xxx is being used for qualification/reserves. - Due Diligence Vendor-05/20/2026 Open-Asset 1 Missing Missing most recent 1-month bank statement or VOD for Asset 1 with xxx . Must show no less than xxxas shown on the final 1003. - Due Diligence Vendor-05/06/2026 |
Resolved-Lender provided
updated 1003 and asset information. -
Due Diligence Vendor-05/20/2026 Resolved-Asset 1 Provided - Due Diligence Vendor-05/20/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 45.09% Is
Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 19.9 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000126580 | D | A | D | A | A | A | A | A | Closed | FCRE1468 | 2026-05-06 01:39 | 2026-05-20 11:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided
Or Not Applicable - Due Diligence Vendor-05/20/2026 Ready for Review-Please note the 1003 has been updated and only xxx is being used for qualification/reserves. - Due Diligence Vendor-05/20/2026 Open-Asset 2 Missing Missing most recent 1-month bank statement or VOD for Asset 2 with xxx. Must show no less than xxx as shown on the final 1003. - Due Diligence Vendor-05/06/2026 |
Resolved-Asset 2 Provided
Or Not Applicable - Due Diligence Vendor-05/20/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 45.09% Is
Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 19.9 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000126580 | D | A | D | A | A | A | A | A | Closed | FCRE1469 | 2026-05-06 01:39 | 2026-05-20 11:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided
Or Not Applicable - Due Diligence Vendor-05/20/2026 Ready for Review-Please note the 1003 has been updated and only xxx is being used for qualification/reserves. - Due Diligence Vendor-05/20/2026 Open-Asset 3 Missing Missing most recent 1-month bank statement or VOD for Asset 3 with xxx . Must show no less than xxx as shown on the final 1003. - Due Diligence Vendor-05/06/2026 |
Resolved-Asset 3 Provided
Or Not Applicable - Due Diligence Vendor-05/20/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 45.09% Is
Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 19.9 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000126622 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-05-07 11:22 | 2026-05-08 08:54 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received
confirmation of the application date - Due Diligence Vendor-05/08/2026 Ready for Review-Please see attached :) Thank you! - Due Diligence Vendor-05/08/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-05/07/2026 |
Resolved-***Received
confirmation of the application date - Due Diligence Vendor-05/08/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More
Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.56 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000122889 | D | A | D | A | A | A | A | A | Closed | FCOM9610 | 2026-05-06 12:31 | 2026-05-12 15:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Power of Attorney missing or unexecuted | Resolved-signed POA
provided - Due Diligence Vendor-05/12/2026 Ready for Review-Please see attached - Due Diligence Vendor-05/12/2026 Open-Power of Attorney (POA) unexecuted. Require fully executed POA. - Due Diligence Vendor-05/06/2026 |
Resolved-signed POA
provided - Due Diligence Vendor-05/12/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More
Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.17 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 207.34 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000122889 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2026-05-06 13:25 | 2026-05-11 17:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap
Credit Report is not missing. - Due Diligence Vendor-05/11/2026 Open-Borrower 1 Gap Credit Report is Missing. Section 4.2 requires a 10-day undisclosed debt notification or equivlent before closing. - Due Diligence Vendor-05/06/2026 |
Resolved-Borrower 1 Gap
Credit Report is not missing. - Due Diligence Vendor-05/11/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More
Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.17 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 207.34 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxxxx | |||||
| 4000122889 | D | A | D | A | A | A | A | A | Closed | FCRE5783 | 2026-05-06 13:25 | 2026-05-11 17:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap
Credit Report is not missing. - Due Diligence Vendor-05/11/2026 Open-Borrower 2 Gap Credit Report is Missing. Section 4.2 requires a 10-day undisclosed debt notification or equivlent before closing. - Due Diligence Vendor-05/06/2026 |
Resolved-Borrower 2 Gap
Credit Report is not missing. - Due Diligence Vendor-05/11/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More
Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.17 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 207.34 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxxxx | |||||
| 4000122889 | D | A | D | A | A | A | A | A | Closed | FCRE1180 | 2026-05-06 04:18 | 2026-05-11 16:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | HO-6 Insurance Policy is Missing | Resolved-Insurance is
total coverage. - Due Diligence
Vendor-05/11/2026 Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-05/11/2026 Ready for Review-Please see attached - Due Diligence Vendor-05/11/2026 Open-HO-6 Insurance Policy is Missing. - Due Diligence Vendor-05/06/2026 |
Resolved-Insurance is
total coverage. - Due Diligence
Vendor-05/11/2026 Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-05/11/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More
Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.17 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 207.34 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000125721 | D | B | D | A | A | A | B | B | Closed | FCRE1193 | 2026-05-07 07:35 | 2026-06-05 08:04 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of
45.85% is less than or equal to Guideline DTI of 55% - Due Diligence Vendor-06/05/2026 Ready for Review-Attestation and supporting docs - Due Diligence Vendor-06/03/2026 Open-Audited DTI of 57.96% exceeds Guideline DTI of 55% Audited DTI of 57.96% exceeds Guideline DTI of 55%. Departure residence of xxx, xxx is to be listed for sale in the next 90 days. Lender failed to include payment in final DTI calculations without evidence of sale and/or lease. - Due Diligence Vendor-05/07/2026 |
Resolved-Audited DTI of
45.85% is less than or equal to Guideline DTI of 55% - Due Diligence Vendor-06/05/2026 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 180.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or
More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.53 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 45.85% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000125721 | D | B | D | A | A | A | B | B | Closed | FCRE1503 | 2026-05-07 04:33 | 2026-06-05 08:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Lender provided
additional information about departing residence. - Due Diligence Vendor-06/05/2026 Ready for Review-Attestation and supporting docs - Due Diligence Vendor-06/03/2026 Open-Mortgage Statement(s)/terms of financing Missing on primary resdience, see new loan - xxx. Require evidence of sale or lease in order to omit debt from DTI calculations. - Due Diligence Vendor-05/07/2026 |
Resolved-Lender provided
additional information about departing residence. - Due Diligence Vendor-06/05/2026 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 180.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or
More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.53 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 45.85% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000125721 | D | B | D | A | A | A | B | B | Closed | FVAL9739 | 2026-05-07 10:53 | 2026-05-07 10:53 | Waived | 2 - Non-Material | B | B | Property | Appraisal | Property/Appraisal General | Waived-Subject property 21.35 acres exceeds maximum 20 acres. - Due Diligence Vendor-05/07/2026 | Waived-Subject property
21.35 acres exceeds maximum 20 acres.
- Due Diligence Vendor-05/07/2026 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 180.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or
More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.53 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 45.85% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |
FICO score above minimum by twenty (20) points. 0x30x24-month housing history Total resaerves verified 48+ months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxx | ||||
| 4000129396 | D | A | A | A | A | A | D | A | Closed | FPRO1244 | 2026-05-11 09:29 | 2026-06-01 13:25 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review
provided - Due Diligence
Vendor-06/01/2026 Ready for Review-Secondary valuation - Due Diligence Vendor-05/29/2026 Open- - Due Diligence Vendor-05/11/2026 |
Resolved-Desk review
provided - Due Diligence
Vendor-06/01/2026 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxx | |||||
| 4000126212 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000126623 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000127992 | D | A | A | A | A | A | D | A | Closed | FVAL8946 | 2026-05-13 12:45 | 2026-05-15 15:40 | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing Appraisal | Resolved- - Due Diligence
Vendor-05/15/2026 Ready for Review-Please find attached UCDP Updated - Due Diligence Vendor-05/15/2026 Open-Document Uploaded. Per Lenders 1008 it reflects Appraised value as xxx which is supported by the CU (UCDP) in the Loan file, However the Appraisal dated xxx states the value as xxx- Was another appraisal completed in which the UCDP was used? - Due Diligence Vendor-05/13/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.7 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.58% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | |||||
| 4000127917 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-05-13 11:39 | 2026-05-14 07:40 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received
confirmation of the application date - Due Diligence Vendor-05/14/2026 Ready for Review-Please find attached LOS log for application date - Due Diligence Vendor-05/13/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-05/13/2026 |
Resolved-***Received
confirmation of the application date - Due Diligence Vendor-05/14/2026 |
Calculated DTI Is Less
Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of
40.83% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or
More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.32 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.23% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.19 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000126632 | C | A | A | A | C | A | A | A | Closed | FCOM2276 | 2026-05-13 07:35 | 2026-05-14 09:36 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-**Received PCCD -
Due Diligence Vendor-05/14/2026 Ready for Review-Please see attached :) Thank you! - Due Diligence Vendor-05/14/2026 Open-Disbursement date is before closing date******* Borrower executed documents on xxx, after Final Closing Disclosure Disbursement date of xxx. Please provide Post Consummation Closing Disclosure with actual disbursement date. - Due Diligence Vendor-05/13/2026 |
Resolved-**Received PCCD -
Due Diligence Vendor-05/14/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
Disbursement date is before closing date | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | |||
| 4000126632 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-05-13 13:04 | 2026-05-14 08:07 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-**received
confirmation of the application date - Due Diligence Vendor-05/14/2026 Ready for Review-Please see attached :) Thank you! - Due Diligence Vendor-05/14/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-05/13/2026 |
Resolved-**received
confirmation of the application date - Due Diligence Vendor-05/14/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000128491 | D | A | D | A | A | A | A | A | Closed | FCRE1325 | 2026-05-13 04:40 | 2026-05-27 07:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA
Letter Resolved - Due Diligence Vendor-05/27/2026 Ready for Review-Income documentation attached for B1 - completed S/E Business Narrative form & Bylaws showing Shareholder Percentage 32.65% - Due Diligence Vendor-05/26/2026 Open-Missing CPA letter for Bwr1 (12 month business bank statements) confirming ownership percentage - Due Diligence Vendor-05/14/2026 Rescinded-Borrower 1 CPA Letter Missing - Due Diligence Vendor-05/13/2026 |
Resolved-Borrower 1 CPA
Letter Resolved - Due Diligence Vendor-05/27/2026 Rescinded-Borrower 1 CPA Letter Missing - Due Diligence Vendor-05/13/2026 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 106.92 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or
More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.50 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.01 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 48.08% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.99 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000128491 | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2026-05-13 04:40 | 2026-05-27 07:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet
or Bank Statement Summary Provided - Due Diligence Vendor-05/27/2026 Ready for Review-Income Calculations - Due Diligence Vendor-05/26/2026 Open-Missing Bwr1 Bank statement "lenders worksheet" reflecting all deposits/and excluded deposits used in qualifying the borrower. - Due Diligence Vendor-05/14/2026 Rescinded-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-05/13/2026 |
Resolved-Lender Worksheet
or Bank Statement Summary Provided - Due Diligence Vendor-05/27/2026 Rescinded-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-05/13/2026 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 106.92 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or
More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.50 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.01 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 48.08% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.99 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127779 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000129745 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000126759 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000125558 | C | A | C | A | A | A | A | A | Closed | FCRE1168 | 2026-05-18 02:52 | 2026-06-11 15:15 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and/or the Replacement Cost Estimator Value Provided by the Insurer | Resolved-additional
insurance information provided. - Due
Diligence Vendor-06/11/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx- Due Diligence Vendor-06/11/2026 Ready for Review-Master Policy - Due Diligence Vendor-06/10/2026 Counter-Document Uploaded. The RCE states Replacement Cost Rounded is xxx the HOI Policy states dwelling as xxx subject property is Semi-Detached or End Unit, is there a Master HOA policy? if no master policy, the Bwr's Policy will need to be increased to at least the Loan amount or policy where is clearly states Guaranteed Replacement - Due Diligence Vendor-06/04/2026 Ready for Review-xxx - Due Diligence Vendor-06/03/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx HOI Policy dwelling coverage reflects xxx however loan amount is xxx Missing RCE or policy where is clearly states replacement costs percentage or Guaranteed Replacement - Due Diligence Vendor-05/18/2026 |
Resolved-additional
insurance information provided. - Due
Diligence Vendor-06/11/2026 |
Borrower At Current
Residence For Five (5) Or More Years - Borrower At Current Residence For Five
(5) Or More Years - 15.50 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 133.08 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000127657 | C | A | A | A | C | A | A | A | Closed | finding-3712 | 2026-05-18 09:38 | 2026-05-19 16:11 | Resolved | 1 - Information | C | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-***Received
executed xxx Per Diem Disclosures - Due Diligence Vendor-05/19/2026 Ready for Review-Please see the attached xxx Per Diem disclosure. Thank you! - Due Diligence Vendor-05/19/2026 Open-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan (xxx) exceeds the per diem interest charge or credit threshold (xxx).PLEASE NOTE: An additional xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-05/18/2026 Open-**** Please provide the xxx Per Diem Disclosure for review - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/18/2026 Open- - Due Diligence Vendor-05/18/2026 |
Resolved-***Received
executed xxx Per Diem Disclosures - Due Diligence Vendor-05/19/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of
68.93% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 71.32 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 39.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.22 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.22 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000121157 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000127650 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-05-19 07:41 | 2026-05-26 15:04 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received
confirmation of the application date - Due Diligence Vendor-05/26/2026 Ready for Review-Please see the attached system image with correct application date xxx. Thank you. - Due Diligence Vendor-05/26/2026 Counter-**The additional set of documents and explanation received only confirm that documents were sent on xxx, however it does not confirm that xxx is the lender's application date. The TRID rule in relation to the application date consists of the submission of the required six pieces of information to the lender. - Due Diligence Vendor-05/22/2026 Ready for Review-Sorry for the confusion. Upon further review, this is a correspondent loan and the prior screenshot provided was from our internal system rather than the correspondent audit trail. It appears the application date in our system may have been entered based on the borrower signature date by the submission team when the file was received. Please review the attached audit trail evidencing the borrower disclosures/Loan Estimate were issued on xxx. Thank you. - Due Diligence Vendor-05/21/2026 Counter-***Lender to provide additional clarification. Received confirmation of a xxx application date, however original file contain documents, including a Loan Estimate, issued xxx prior toxxx. - Due Diligence Vendor-05/20/2026 Ready for Review-Please see the attached system image reflecting application date xxx. Thank you! - Due Diligence Vendor-05/20/2026 Open- **** Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-05/19/2026 |
Resolved-***Received
confirmation of the application date - Due Diligence Vendor-05/26/2026 |
Borrower 1 Has Stable Time
In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In
Profession By Ten (10) Years Or More - 25.50 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 107.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.07% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 27.08 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.51% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000129638 | D | A | D | A | A | A | A | A | Closed | FCRE1469 | 2026-05-19 04:30 | 2026-06-04 13:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided
Or Not Applicable - Due Diligence Vendor-06/04/2026 Ready for Review-Docs associated with 1031 Exchange - Due Diligence Vendor-06/03/2026 Open-Final 1003 reflects Other Liquid Assets iao xxx however documentation for these assets are missing, Please provide. - Due Diligence Vendor-05/19/2026 Open-Asset 3 Missing - Due Diligence Vendor-05/19/2026 |
Resolved-Asset 3 Provided
Or Not Applicable - Due Diligence Vendor-06/04/2026 |
Calculated DTI Is Less
Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of
30.62% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or
More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 74.13 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 68.08% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127339 | D | A | A | A | D | A | A | A | Closed | finding-3634 | 2026-05-21 10:41 | 2026-06-08 08:52 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-**Received COC
and explanation - Due Diligence Vendor-06/08/2026 Ready for Review-COC with CD - Due Diligence Vendor-06/05/2026 Counter-**Second Appraisal Fee increased from xxx to xxx in the Final CD and remained through the PCCD. The original file does not contain a valid COC in relation to the increase. - Due Diligence Vendor-06/04/2026 Open- - Due Diligence Vendor-06/04/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-06/04/2026 Ready for Review-Initial LE - Due Diligence Vendor-06/03/2026 Open-"******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/21/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-05/21/2026 |
Resolved-**Received COC
and explanation - Due Diligence Vendor-06/08/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.28% Is
Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.86% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 332.92 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.58 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127339 | D | A | A | A | D | A | A | A | Closed | finding-3631 | 2026-05-21 10:41 | 2026-06-08 08:52 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-**Received COC
and explanation - Due Diligence Vendor-06/08/2026 Ready for Review-COC with CD - Due Diligence Vendor-06/05/2026 Counter-**Second Appraisal Fee increased from xxx in the Final CD and remained through the PCCD. The original file does not contain a valid COC in relation to the increase. - Due Diligence Vendor-06/04/2026 Open- - Due Diligence Vendor-06/04/2026 Open- - Due Diligence Vendor-06/04/2026 Ready for Review-Initial LE - Due Diligence Vendor-06/03/2026 Open-"******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/21/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/21/2026 |
Resolved-**Received COC
and explanation - Due Diligence Vendor-06/08/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.28% Is
Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.86% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 332.92 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.58 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127339 | D | A | A | A | D | A | A | A | Closed | finding-3632 | 2026-05-21 10:41 | 2026-06-08 08:52 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-**Received COC
and explanation - Due Diligence Vendor-06/08/2026 Ready for Review-COC with CD - Due Diligence Vendor-06/05/2026 Counter-**Second Appraisal Fee increased from xxx in the Final CD and remained through the PCCD. The original file does not contain a valid COC in relation to the increase. - Due Diligence Vendor-06/04/2026 Open- - Due Diligence Vendor-06/04/2026 Open- - Due Diligence Vendor-06/04/2026 Ready for Review-Initial LE - Due Diligence Vendor-06/03/2026 Open-"******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/21/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/21/2026 |
Resolved-**Received COC
and explanation - Due Diligence Vendor-06/08/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.28% Is
Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.86% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 332.92 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.58 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127339 | D | A | A | A | D | A | A | A | Closed | FCOM7298 | 2026-05-20 17:11 | 2026-06-04 10:27 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Initial Disclosure Package | Resolved-Received ILE -
Due Diligence Vendor-06/04/2026 Ready for Review-Initial Disclosure package - Due Diligence Vendor-06/03/2026 Open-******* Please provide entire initial disclosure package for review - Due Diligence Vendor-05/20/2026 |
Resolved-Received ILE -
Due Diligence Vendor-06/04/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.28% Is
Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.86% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 332.92 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.58 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127339 | D | A | A | A | D | A | A | A | Closed | finding-3367 | 2026-05-21 10:35 | 2026-06-04 10:26 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-Received
disclosure - Due Diligence Vendor-06/04/2026 Ready for Review-Homeownership Counseling Disclosure - Due Diligence Vendor-06/03/2026 Open-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 application date (or the date creditor received application if loan originator's application date is not provided); orThe 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 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data 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 creditor'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 SundayPLEASE 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, xxx 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. "******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/21/2026 Open- - Due Diligence Vendor-05/21/2026 Open- - Due Diligence Vendor-05/21/2026 |
Resolved-Received
disclosure - Due Diligence Vendor-06/04/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.28% Is
Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.86% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 332.92 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.58 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127339 | D | A | A | A | D | A | A | A | Closed | finding-3515 | 2026-05-21 10:41 | 2026-06-04 10:09 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Received ILE -
Due Diligence Vendor-06/04/2026 Ready for Review-Initial LE - Due Diligence Vendor-06/03/2026 Open-"******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/21/2026 Open-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 creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into xxx, 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 $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) 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 SundayPLEASE 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, xxx 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 creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. - Due Diligence Vendor-05/21/2026 |
Resolved-Received ILE -
Due Diligence Vendor-06/04/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.28% Is
Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.86% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 332.92 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.58 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127339 | D | A | A | A | D | A | A | A | Closed | finding-3635 | 2026-05-21 10:41 | 2026-06-04 10:09 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received ILE and
SSPL - Due Diligence Vendor-06/04/2026 Ready for Review-Initial LE - Due Diligence Vendor-06/03/2026 Open-"******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/21/2026 Open-This loan failed the charges that in total cannot increase more than 10% 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 10% (xxx) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% 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 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-05/21/2026 |
Resolved-Received ILE and
SSPL - Due Diligence Vendor-06/04/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.28% Is
Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.86% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 332.92 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.58 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000126752 | C | A | A | A | C | A | A | A | Closed | finding-3939 | 2026-05-20 09:00 | 2026-06-11 10:32 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-***Received
Revised LE and COC - Due Diligence Vendor-06/11/2026 Resolved- - Due Diligence Vendor-06/11/2026 Ready for Review-lock LE - Due Diligence Vendor-06/10/2026 Open-*****Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. Rate dependent charge changes subject to 0% tolerance total xxx A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/20/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. Missing Locked LE **** Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable) is required to be provided to the consumer within 3 business days after loan is Locked. - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 |
Resolved-***Received
Revised LE and COC - Due Diligence Vendor-06/11/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More
Points Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.38 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 120.78 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.33 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.16 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000126752 | C | A | A | A | C | A | A | A | Closed | finding-3634 | 2026-05-20 09:00 | 2026-06-11 10:32 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-***Received
Revised LE and COC - Due Diligence Vendor-06/11/2026 Resolved- - Due Diligence Vendor-06/11/2026 Ready for Review-LE with COC - Due Diligence Vendor-06/10/2026 Open-The following charges have been either added or increased: Program/Commitment Fee resulting in a 0% tolerance cure in the amount ofxxx Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 |
Resolved-***Received
Revised LE and COC - Due Diligence Vendor-06/11/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More
Points Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.38 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 120.78 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.33 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.16 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000126752 | C | A | A | A | C | A | A | A | Closed | finding-3631 | 2026-05-20 09:00 | 2026-06-11 10:32 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-***Received
Revised LE and COC - Due Diligence Vendor-06/11/2026 Resolved- - Due Diligence Vendor-06/11/2026 Ready for Review-LE with COC - Due Diligence Vendor-06/10/2026 Open-The following charges have been either added or increased: Program/Commitment Fee resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 |
Resolved-***Received
Revised LE and COC - Due Diligence Vendor-06/11/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More
Points Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.38 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 120.78 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.33 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.16 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000126752 | C | A | A | A | C | A | A | A | Closed | finding-3632 | 2026-05-20 09:00 | 2026-06-11 10:32 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-***Received
Revised LE and COC - Due Diligence Vendor-06/11/2026 Resolved- - Due Diligence Vendor-06/11/2026 Ready for Review-LE with COC - Due Diligence Vendor-06/10/2026 Open-The following charges have been either added or increased: Program/Commitment Fee resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/20/2026 Open- - Due Diligence Vendor-05/20/2026 |
Resolved-***Received
Revised LE and COC - Due Diligence Vendor-06/11/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More
Points Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.38 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 120.78 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.33 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.16 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000128026 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000125933 | C | A | A | A | A | A | C | A | Closed | FPRO9939 | 2026-05-20 06:53 | 2026-05-29 12:25 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk review
provided - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. - Seller-05/28/2026 Counter-The AVM provided is the AVM that was already captured during the audited review - the AVM Value is xxx that exceeds to max 10% tolerance - (-11.25%) from the primary appraised value. CU and LCA exceed 2.5 - a 3rd party Valuation to support the appraised value of xxx is required. - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. - Seller-05/26/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 2.7) and the AVM in file is grater than a -10% variance (-11.25%) from the primary appraised value. Provide 3rd party valuation. - Due Diligence Vendor-05/20/2026 |
Ready for Review-Document Uploaded. - Seller-05/28/2026 Ready for Review-Document Uploaded. - Seller-05/26/2026 |
Resolved-Desk review
provided - Due Diligence Vendor-05/29/2026 |
Calculated DTI Is Less
Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of
39.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or
More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 42.31% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 73.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
AVM (16).pdf CDA.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | |||
| 4000129110 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000127172 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000127502 | C | A | C | A | A | A | A | A | Closed | FPRO1245 | 2026-05-21 10:36 | 2026-06-23 13:48 | Resolved | 1 - Information | C | A | Credit | Eligibility | Appraisal is Expired | Resolved-Primary Value
Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence
Vendor-06/23/2026 Ready for Review-Revised appraisal was uploaded. Please re-review page 13 of 40 in attached showing date of signature and report as xxx - Due Diligence Vendor-06/22/2026 Counter-the appraisal that was provided is dated xxx - Missing revised appraisal mentioned in the rebuttal below - Due Diligence Vendor-06/16/2026 Ready for Review-revised appraisal missing from original package - Due Diligence Vendor-06/15/2026 Open-Primary Value Appraisal is Expired - Guidelines require primary appraisal to be within 120 days of the Note date. Note date is xxx - Appraisal date is xxx - greater than 120 days. Provide updated appraisal. - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-05/22/2026 Rescinded-Primary Value Appraisal is Expired - Guidelines require primary appraisal to be within 120 days of the Note date. Note date is xxx - Appraisal date is xxx - greater than 120 days. Provide updated appraisal. - Due Diligence Vendor-05/21/2026 |
Resolved-Primary Value
Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence
Vendor-06/23/2026 Rescinded-Primary Value Appraisal is Expired - Guidelines require primary appraisal to be within 120 days of the Note date. Note date is xxx - Appraisal date is xxx - greater than 120 days. Provide updated appraisal. - Due Diligence Vendor-05/21/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More
Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000126561 | C | A | C | A | A | A | A | A | Closed | FCRE1204 | 2026-05-21 19:52 | 2026-05-26 08:47 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud report
provided - Due Diligence
Vendor-05/26/2026 Ready for Review-Hello team, please see attached fraud report with cleared alerts, thank you. - Due Diligence Vendor-05/22/2026 Open-Provide an updated fraud report with all open alerts fully addressed/cleared, as the current fraud report reflects open alerts; additional conditions may apply upon review. - Due Diligence Vendor-05/21/2026 |
Resolved-Fraud report
provided - Due Diligence
Vendor-05/26/2026 |
Borrower At Current
Residence For Five (5) Or More Years - Borrower At Current Residence For Five
(5) Or More Years - 15.41 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.2 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.51% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000129109 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000123226 | D | A | D | A | D | A | A | A | Closed | FCOM1227 | 2026-05-22 05:20 | 2026-06-11 09:04 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved- - Due Diligence
Vendor-06/11/2026 Ready for Review-Please see attached - Due Diligence Vendor-06/10/2026 Open-PUD Rider is Missing Appraiser notes property located in PUD with xxx annual dues. Some mention in title commitment Exceptions 11 and 12 about declaration of covenants and restrictions - Due Diligence Vendor-05/22/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.5 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | |||||
| 4000123226 | D | A | D | A | D | A | A | A | Closed | FCOM8844 | 2026-05-22 12:21 | 2026-05-28 12:14 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Resolved-Business Purpose
Disclosure or letter from borrower is Present. - Due Diligence
Vendor-05/28/2026 Ready for Review-Please see attached. - Due Diligence Vendor-05/27/2026 Open-Missing business purpose certification and/or occupancy affidavit. - Due Diligence Vendor-05/22/2026 |
Resolved-Business Purpose
Disclosure or letter from borrower is Present. - Due Diligence
Vendor-05/28/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.5 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000123226 | D | A | D | A | D | A | A | A | Closed | FCRE1241 | 2026-05-22 05:20 | 2026-05-28 12:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved- - Due Diligence
Vendor-05/28/2026 Ready for Review-Please see attached. - Due Diligence Vendor-05/27/2026 Open-Purchase Contract Is Missing - Due Diligence Vendor-05/22/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.5 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | |||||
| 4000128015 | C | A | C | A | A | A | A | A | Closed | FCRE1167 | 2026-05-22 10:25 | 2026-05-27 11:13 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard
Insurance Coverage is provided - Due Diligence Vendor-05/27/2026 Ready for Review-Please find attached RCE - Due Diligence Vendor-05/26/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxis less than the minimum required coverage amount of xxx - Due Diligence Vendor-05/22/2026 |
Resolved-Sufficent Hazard
Insurance Coverage is provided - Due Diligence Vendor-05/27/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56.66 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.38 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000130307 | D | A | A | A | A | A | D | A | Closed | FPRO1242 | 2026-05-22 03:27 | 2026-05-28 09:53 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has
been provided - Due Diligence Vendor-05/27/2026 Ready for Review-Please see attached. - Due Diligence Vendor-05/26/2026 Open-Appraisal is Missing - Due Diligence Vendor-05/22/2026 |
Resolved-Appraisal has
been provided - Due Diligence Vendor-05/27/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.75% Is Less Than The Guideline Maximum Of 49.99% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.59 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000130307 | D | A | A | A | A | A | D | A | Closed | FPRO1136 | 2026-05-27 08:03 | 2026-05-28 09:53 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for
Subject Property Appraisal is completed on an As-Is Basis, the 1004D
Completion Report is fully present, or Not Applicable - Due Diligence
Vendor-05/28/2026 Ready for Review-Re-uploaded 1004D for review. - Due Diligence Vendor-05/27/2026 Open-Missing Completion Report (1004D) - Appraisal states Install rear stairs handrail per safety issue - Due Diligence Vendor-05/27/2026 |
Resolved-Primary Value for
Subject Property Appraisal is completed on an As-Is Basis, the 1004D
Completion Report is fully present, or Not Applicable - Due Diligence
Vendor-05/28/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.75% Is Less Than The Guideline Maximum Of 49.99% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.59 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000130814 | D | A | D | A | C | A | A | A | Closed | FVAL1310 | 2026-05-26 12:30 | 2026-06-10 14:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire
is Provided - Due Diligence Vendor-06/10/2026 Ready for Review-xxx and warranty - Due Diligence Vendor-06/09/2026 Open-HOA Questionnaire Document status is Missing. HOA Questionnaire Document is Missing. - Due Diligence Vendor-05/27/2026 |
Resolved-HOA Questionnaire
is Provided - Due Diligence Vendor-06/10/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.55 Are Greater Than The Guideline Minimum Of 10 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.66% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.33% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000130814 | D | A | D | A | C | A | A | A | Closed | FCRE7497 | 2026-05-28 08:52 | 2026-06-10 14:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Proof of HOA
amount provided - Due Diligence
Vendor-06/10/2026 Ready for Review-xxx HOA dues - Due Diligence Vendor-06/09/2026 Open-Missing proof of HOA for 2nd home located at xxx per Final 1003- xxx in cost monthly - Due Diligence Vendor-05/28/2026 |
Resolved-Proof of HOA
amount provided - Due Diligence
Vendor-06/10/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.55 Are Greater Than The Guideline Minimum Of 10 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.66% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.33% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000130814 | D | A | D | A | C | A | A | A | Closed | FCOM1797 | 2026-05-27 17:50 | 2026-06-10 10:37 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-ICD received,
data entered, no additional compliance findings. Thank you - Due Diligence
Vendor-06/10/2026 Ready for Review-SSPL - Due Diligence Vendor-06/09/2026 Open-*****Documentation provided does not contain the SSPL dated on xxx. Please provide complete settlement service provider list. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/27/2026 |
Resolved-ICD received,
data entered, no additional compliance findings. Thank you - Due Diligence
Vendor-06/10/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.55 Are Greater Than The Guideline Minimum Of 10 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.66% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.33% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000130814 | D | A | D | A | C | A | A | A | Closed | finding-3367 | 2026-05-28 10:36 | 2026-06-10 10:34 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-5/1/2026 HOC
provided - Due Diligence Vendor-06/10/2026 Resolved- - Due Diligence Vendor-06/10/2026 Ready for Review-HO Counseling - Due Diligence Vendor-06/09/2026 Open-"******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/28/2026 Open-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 application date (or the date creditor received application if loan originator's application date is not provided); orThe 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 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data 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 creditor'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. - Due Diligence Vendor-05/28/2026 Open- - Due Diligence Vendor-05/28/2026 |
Resolved-xxx HOC provided
- Due Diligence Vendor-06/10/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.55 Are Greater Than The Guideline Minimum Of 10 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.66% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.33% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000130814 | D | A | D | A | C | A | A | A | Closed | finding-3634 | 2026-05-28 10:36 | 2026-06-10 10:34 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-ICD received,
data entered, no additional compliance findings. Thank you - Due Diligence
Vendor-06/10/2026 Resolved- - Due Diligence Vendor-06/10/2026 Ready for Review-ILE and Audit - Due Diligence Vendor-06/09/2026 Open-"******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/28/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-05/28/2026 Open- - Due Diligence Vendor-05/28/2026 |
Resolved-ICD received,
data entered, no additional compliance findings. Thank you - Due Diligence
Vendor-06/10/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.55 Are Greater Than The Guideline Minimum Of 10 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.66% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.33% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000130814 | D | A | D | A | C | A | A | A | Closed | finding-3631 | 2026-05-28 10:36 | 2026-06-10 10:34 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-ICD received,
data entered, no additional compliance findings. Thank you - Due Diligence
Vendor-06/10/2026 Resolved- - Due Diligence Vendor-06/10/2026 Ready for Review-Audit and ILE - Due Diligence Vendor-06/09/2026 Open-"******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/28/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/28/2026 Open- - Due Diligence Vendor-05/28/2026 |
Resolved-ICD received,
data entered, no additional compliance findings. Thank you - Due Diligence
Vendor-06/10/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.55 Are Greater Than The Guideline Minimum Of 10 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.66% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.33% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000130814 | D | A | D | A | C | A | A | A | Closed | finding-3632 | 2026-05-28 10:36 | 2026-06-10 10:34 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-ICD received,
data entered, no additional compliance findings. Thank you - Due Diligence
Vendor-06/10/2026 Resolved- - Due Diligence Vendor-06/10/2026 Ready for Review-ILE and audit - Due Diligence Vendor-06/09/2026 Open-"******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/28/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/28/2026 Open- - Due Diligence Vendor-05/28/2026 |
Resolved-ICD received,
data entered, no additional compliance findings. Thank you - Due Diligence
Vendor-06/10/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.55 Are Greater Than The Guideline Minimum Of 10 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.66% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.33% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000130814 | D | A | D | A | C | A | A | A | Closed | finding-3635 | 2026-05-28 10:36 | 2026-06-10 10:34 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-ICD received,
data entered, no additional compliance findings. Thank you - Due Diligence
Vendor-06/10/2026 Resolved- - Due Diligence Vendor-06/10/2026 Ready for Review-Audit and ILE - Due Diligence Vendor-06/09/2026 Open-"******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/28/2026 Open-This loan failed the charges that in total cannot increase more than 10% 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 10% (xxx exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% 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 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-05/28/2026 Open- - Due Diligence Vendor-05/28/2026 |
Resolved-ICD received,
data entered, no additional compliance findings. Thank you - Due Diligence
Vendor-06/10/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.55 Are Greater Than The Guideline Minimum Of 10 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.66% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.33% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000130814 | D | A | D | A | C | A | A | A | Closed | finding-3515 | 2026-05-28 10:36 | 2026-06-10 10:34 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-ICD received,
data entered, no additional compliance findings. Thank you - Due Diligence
Vendor-06/10/2026 Resolved- - Due Diligence Vendor-06/10/2026 Ready for Review-Audit log & ILE - Due Diligence Vendor-06/09/2026 Open-"******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/28/2026 Open-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 creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into xxx, 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 $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. - Due Diligence Vendor-05/28/2026 Open- - Due Diligence Vendor-05/28/2026 |
Resolved-ICD received,
data entered, no additional compliance findings. Thank you - Due Diligence
Vendor-06/10/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.55 Are Greater Than The Guideline Minimum Of 10 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.66% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.33% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000131836 | C | A | A | A | C | A | C | A | Closed | FPRO9939 | 2026-05-26 07:27 | 2026-06-05 14:14 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved- - Due Diligence
Vendor-06/05/2026 Ready for Review-CDA in description box - Due Diligence Vendor-06/04/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3) - Due Diligence Vendor-05/26/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 41.73 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.08 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 55.5% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 48.6% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | |||||
| 4000131836 | C | A | A | A | C | A | C | A | Closed | finding-3631 | 2026-05-26 11:08 | 2026-06-05 09:37 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-**Received PCCD -
Due Diligence Vendor-06/05/2026 Ready for Review-Please see attached closing disclosure - Due Diligence Vendor-06/04/2026 Open-****The recording and creditor list charges disclosed to the borrower in the Initial Loan Estimate total xxx, establishing a 10% baseline of xxx. Final charges to borrowerxxx. 10% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/28/2026 Open- - Due Diligence Vendor-05/28/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 |
Resolved-**Received PCCD -
Due Diligence Vendor-06/05/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 41.73 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.08 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 55.5% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 48.6% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000131836 | C | A | A | A | C | A | C | A | Closed | finding-3632 | 2026-05-26 11:08 | 2026-06-05 09:37 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-**Received PCCD -
Due Diligence Vendor-06/05/2026 Ready for Review-Please see attached closing disclosure - Due Diligence Vendor-06/04/2026 Open-****The recording and creditor list charges disclosed to the borrower in the Initial Loan Estimate total xxx, establishing a 10% baseline of xxx Final charges to borrower xxx. 10% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/28/2026 Open- - Due Diligence Vendor-05/28/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 |
Resolved-**Received PCCD -
Due Diligence Vendor-06/05/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 41.73 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.08 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 55.5% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 48.6% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000131836 | C | A | A | A | C | A | C | A | Closed | finding-3635 | 2026-05-26 11:08 | 2026-06-05 09:37 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-**Received PCCD -
Due Diligence Vendor-06/05/2026 Ready for Review-Please see attached closing disclosure - Due Diligence Vendor-06/04/2026 Open-****The recording and creditor list charges disclosed to the borrower in the Initial Loan Estimate total xxx, establishing a 10% baseline of xxx. Final charges to borrower xxx. 10% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/28/2026 Open- - Due Diligence Vendor-05/28/2026 Open-This loan failed the charges that in total cannot increase more than 10% 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 10% xxx) exceed the comparable charges xxx) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% 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 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 |
Resolved-**Received PCCD -
Due Diligence Vendor-06/05/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 41.73 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.08 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 55.5% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 48.6% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127901 | C | A | C | A | C | A | A | A | Closed | FCRE1159 | 2026-05-27 01:27 | 2026-05-28 14:52 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance
Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or
Hazard Insurance Effective Date Is Not Provided - Due Diligence
Vendor-05/28/2026 Ready for Review-Please see the attached FSS & POST CD reflecting disbursement date xxx. Thank you! - Due Diligence Vendor-05/28/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-05/27/2026 |
Resolved-Hazard Insurance
Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or
Hazard Insurance Effective Date Is Not Provided - Due Diligence
Vendor-05/28/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127901 | C | A | C | A | C | A | A | A | Closed | finding-3712 | 2026-05-27 05:31 | 2026-05-28 14:50 | Resolved | 1 - Information | C | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-This loan failed
the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem
interest amount charged on the loan (xxx) exceeds the per diem interest
charge or credit threshold (xxx).PLEASE NOTE: An additional xxx buffer was
included in the per diem interest charge or credit threshold displayed above
based on the client preferences configured on the per diem interest settings
page. xxx per diem interest disclosure provided - Due Diligence
Vendor-05/28/2026 Ready for Review-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan (xxx) exceeds the per diem interest charge or credit threshold (xxx).PLEASE NOTE: An additional xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-05/28/2026 Ready for Review- - Due Diligence Vendor-05/28/2026 Ready for Review-Please see the attached xxx PER DIEM DISCLOSURE. Thank you! - Due Diligence Vendor-05/28/2026 Open-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan (xxx) exceeds the per diem interest charge or credit threshold (xxx).PLEASE NOTE: An additional xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. **** Please provide the xxx Per Diem Disclosure for review - Due Diligence Vendor-05/27/2026 Open- - Due Diligence Vendor-05/27/2026 Open- - Due Diligence Vendor-05/27/2026 |
Resolved-This loan failed
the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem
interest amount charged on the loan xxx) exceeds the per diem interest charge
or credit threshold xxx).PLEASE NOTE: An additional xxx buffer was included
in the per diem interest charge or credit threshold displayed above based on
the client preferences configured on the per diem interest settings page. xxx
per diem interest disclosure provided - Due Diligence Vendor-05/28/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000130855 | D | A | D | A | A | A | A | A | Closed | FCRE1503 | 2026-05-27 03:51 | 2026-06-10 14:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Final HUD for xxx
provided - Due Diligence
Vendor-06/10/2026 Ready for Review-this is the final settlement stmt for xxx. - Due Diligence Vendor-06/09/2026 Open-Missing final CD or settlement statement for xxx - Due Diligence Vendor-06/03/2026 |
Resolved-Final HUD for xxx
provided - Due Diligence
Vendor-06/10/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.39 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.85 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.88% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.85% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000127343 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-05-28 07:03 | 2026-06-01 20:22 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received,
data entered, no additional compliance findings. Thank you - Due Diligence
Vendor-06/02/2026 Ready for Review-Hello team, please see attached PCCD and final settlement statement, thank you. - Due Diligence Vendor-05/29/2026 Open-******* Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-05/28/2026 Open- - Due Diligence Vendor-05/28/2026 Open- - Due Diligence Vendor-05/28/2026 Open- - Due Diligence Vendor-05/28/2026 |
Resolved-PCCD received,
data entered, no additional compliance findings. Thank you - Due Diligence
Vendor-06/02/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 60.81 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000126846 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000129667 | D | A | D | A | C | A | A | A | Closed | FCRE1468 | 2026-05-28 02:10 | 2026-06-05 11:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided
Or Not Applicable - Due Diligence Vendor-06/02/2026 Open-Asset 2 Missing missing xxx - Due Diligence Vendor-05/28/2026 |
Resolved-Asset 2 Provided
Or Not Applicable - Due Diligence Vendor-06/02/2026 |
Borrower 1 Has Stable Job
Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has
Stable Job Time Of Five (5) Or More Years At Current Job - 11.29 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.17 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 233.68 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 7.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 33.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 31.25% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | |||||
| 4000129667 | D | A | D | A | C | A | A | A | Closed | FCRE1469 | 2026-05-28 02:10 | 2026-06-05 11:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided
Or Not Applicable - Due Diligence Vendor-06/02/2026 Ready for Review-Please see the attached bank statement for xxx. Thank you! - Due Diligence Vendor-06/02/2026 Open-Asset 3 Missing missing xxx - Due Diligence Vendor-05/28/2026 |
Resolved-Asset 3 Provided
Or Not Applicable - Due Diligence Vendor-06/02/2026 |
Borrower 1 Has Stable Job
Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has
Stable Job Time Of Five (5) Or More Years At Current Job - 11.29 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.17 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 233.68 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 7.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 33.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 31.25% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000129667 | D | A | D | A | C | A | A | A | Closed | FCRE1470 | 2026-05-28 02:10 | 2026-06-05 11:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 4 Missing | Resolved-Asset 4 Provided
Or Not Applicable - Due Diligence Vendor-06/05/2026 Ready for Review-Please see the updated documentation has been provided. The pending sale proceeds reflected on the updated 1003 are supported by the attached Seller Closing Disclosure. Net proceeds from the sale of xxx total xxxPlease let us know if you have any concerns. Thank you! - Due Diligence Vendor-06/05/2026 Counter-Document Uploaded. Apologies for the confusion, Missing Pending Net Sale Proceeds From Real Estate Assets xxxfrom the Loan file. - Due Diligence Vendor-06/04/2026 Ready for Review-The provided asset statement also includes xxxt. Please review and let us know. Thank you. - Due Diligence Vendor-06/04/2026 Open-Asset 4 Missing . - Due Diligence Vendor-06/02/2026 Open-Asset 4 Missing missing xxx - Due Diligence Vendor-05/28/2026 |
Resolved-Asset 4 Provided
Or Not Applicable - Due Diligence Vendor-06/05/2026 |
Borrower 1 Has Stable Job
Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has
Stable Job Time Of Five (5) Or More Years At Current Job - 11.29 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.17 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 233.68 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 7.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 33.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 31.25% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000129667 | D | A | D | A | C | A | A | A | Closed | FCRE1167 | 2026-05-28 00:39 | 2026-06-04 14:45 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard
Insurance Coverage is provided - Due Diligence Vendor-06/04/2026 Ready for Review-The EOI referenced in the condition is the borrower's HO6 policy with xxx dwelling coverage. However, this property is also covered by a separate HOA Master Policy providing blanket building coverage on a replacement cost basis. Please review the attached HOA Master EOI in conjunction with the HO6 policy. Thank you! - Due Diligence Vendor-06/04/2026 Open-Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx- Provided Updated HOI Dwelling to cover loan amount or RCE - Due Diligence Vendor-06/02/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx - Due Diligence Vendor-05/28/2026 |
Resolved-Sufficent Hazard
Insurance Coverage is provided - Due Diligence Vendor-06/04/2026 |
Borrower 1 Has Stable Job
Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has
Stable Job Time Of Five (5) Or More Years At Current Job - 11.29 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.17 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 233.68 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 7.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 33.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 31.25% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000129667 | D | A | D | A | C | A | A | A | Closed | FCOM7353 | 2026-05-28 18:14 | 2026-06-01 08:25 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received
confirmation of the application date. - Due Diligence Vendor-06/01/2026 Ready for Review-Please see the attached system image reflecting application date xxx. Thank you! - Due Diligence Vendor-06/01/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-05/28/2026 |
Resolved-***Received
confirmation of the application date. - Due Diligence Vendor-06/01/2026 |
Borrower 1 Has Stable Job
Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has
Stable Job Time Of Five (5) Or More Years At Current Job - 11.29 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.17 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 233.68 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 7.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 33.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 31.25% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000128094 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000126070 | D | A | D | A | A | A | A | A | Closed | FCRE1814 | 2026-05-28 11:20 | 2026-06-12 07:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Entity documents
provided - Due Diligence
Vendor-06/12/2026 Ready for Review-Business License - Due Diligence Vendor-06/10/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Certificate of good standing must be w/in 30 days of the note date, which it is not here. Most recent on file is from xxx and with a note date of xxx, that is outside the 30 day guidelines. Requesting updated or exception to use documents on file as is. - Due Diligence Vendor-05/28/2026 |
Resolved-Entity documents
provided - Due Diligence
Vendor-06/12/2026 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 1012.62 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or
More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.75 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45.83% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000131398 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000128572 | D | A | D | A | C | A | A | A | Closed | FCRE1826 | 2026-05-29 15:30 | 2026-06-03 14:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | US Driver’s License or other US or foreign government-issued photo ID Missing | Resolved-Valid xxx card
provided - Due Diligence
Vendor-06/03/2026 Ready for Review-Here is the Green Card. - Due Diligence Vendor-06/03/2026 Open-At time of review BRs Permanent Resident Alien Card was not in file. Please provide the required documentation per guidelines - Due Diligence Vendor-05/29/2026 |
Resolved-Valid PRA card
provided - Due Diligence
Vendor-06/03/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of
43.19% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 33.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 20.03 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.62 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000128572 | D | A | D | A | C | A | A | A | Closed | finding-3712 | 2026-05-29 14:36 | 2026-06-03 12:07 | Resolved | 1 - Information | C | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-*received
executed xxx Per Diem Disclosure - Due Diligence Vendor-06/03/2026 Ready for Review-Here you are. - Due Diligence Vendor-06/03/2026 Open-***** Disbursement date of xxx. Section F per diem interest (xxx to xxx) exceeds the one-day allowable limit by xxx. To comply with xxx Civil Code § xxx, a disclosure confirming that the borrower affirmatively requested, and the lender agreed, for disbursement to occur on a Monday or on the day immediately following a bank holiday has not been provided. - Due Diligence Vendor-05/29/2026 |
Resolved-*received
executed xxx Per Diem Disclosure - Due Diligence Vendor-06/03/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of
43.19% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 33.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 20.03 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.62 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000127902 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000131402 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-05-29 17:50 | 2026-06-02 08:43 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received
confirmation of the application date -
Due Diligence Vendor-06/02/2026 Ready for Review-Please see the attached system image reflecting application date xxx. Thank you! - Due Diligence Vendor-06/02/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-05/29/2026 |
Resolved-***Received
confirmation of the application date -
Due Diligence Vendor-06/02/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - validated
Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty
(20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 58.06% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 35.1% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 11.41 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000131823 | D | A | D | A | A | A | A | A | Closed | FCRE1167 | 2026-05-29 05:27 | 2026-06-16 10:17 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard
Insurance Coverage is provided - Due Diligence Vendor-06/16/2026 Ready for Review-Agent Letter verifying 100% coverage - Due Diligence Vendor-06/15/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx - Due Diligence Vendor-05/29/2026 |
Resolved-Sufficent Hazard
Insurance Coverage is provided - Due Diligence Vendor-06/16/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More
Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.18% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.25 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.39 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.60 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 102.38 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000131823 | D | A | D | A | A | A | A | A | Closed | FCRE1347 | 2026-05-29 09:30 | 2026-06-16 10:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd
Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers
equals 2) - Due Diligence Vendor-06/16/2026 Ready for Review-No positive Income being used - Due Diligence Vendor-06/16/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-05/29/2026 |
Resolved-Borrower 2 3rd
Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers
equals 2) - Due Diligence Vendor-06/16/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More
Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.18% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.25 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.39 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.60 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 102.38 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | |||||
| 4000126118 | C | A | C | A | A | A | A | A | Closed | FCRE7000 | 2026-05-29 14:04 | 2026-06-12 12:08 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid
Assets Available for Close Resolved - Due Diligence Vendor-06/12/2026 Ready for Review-HELOC for assets - Due Diligence Vendor-06/11/2026 Open- - Due Diligence Vendor-05/29/2026 Rescinded-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx. - Due Diligence Vendor-05/29/2026 |
Resolved-Total Liquid
Assets Available for Close Resolved - Due Diligence Vendor-06/12/2026 Rescinded-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx. - Due Diligence Vendor-05/29/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More
Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.37% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.6 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.08 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.63 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127505 | D | A | D | A | A | A | A | A | Closed | FCRE9959 | 2026-05-29 04:56 | 2026-06-01 13:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing final closing disclosure/settlement statement/equivalent | Resolved-Final Settlement
Statement/equivalent Provided - Due Diligence Vendor-06/01/2026 Ready for Review-settlement statement - Due Diligence Vendor-05/29/2026 Open-Missing Final Settlement Statement/equivalent Final CD not on file - only prelim. Please provide - Due Diligence Vendor-05/29/2026 Open-Missing Final Settlement Statement/equivalent CD on file is missing PITIA information and appears to be a preliminary document. Please provide final CD. - Due Diligence Vendor-05/29/2026 |
Resolved-Final Settlement
Statement/equivalent Provided - Due Diligence Vendor-06/01/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More
Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.9 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
Missing Final Settlement Statement/equivalent | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | |||
| 4000130693 | D | A | C | A | D | A | A | A | Closed | FCOM4227 | 2026-05-29 16:01 | 2026-06-25 08:56 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Received revised
CD - Due Diligence Vendor-06/25/2026 Ready for Review-Please see attached xxx signed CD - Due Diligence Vendor-06/23/2026 Counter-************tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/16/2026 Ready for Review-Hello, please provide additional information, what is needed to satisfy condition. PCCD, LOE and refund to borrower? What is the amount of refund? TRID: Missing Closing Disclosure -- ***Received Final CD and updated compliance test resulted in additional findings. The Final CD indicates an additional Appraisal Admin Fee, an additional Appraisal fee, and a Rush Fee that were not previously disclosed. The original file contains a COC with date of change of xxx. Lender to provide revised CD issued within 3 business days of the date of change along with tracking information.,**** Borrower(s) executed Final Closing Disclosure, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-06/15/2026 Counter-***Received Final CD and updated compliance test resulted in additional findings. The Final CD indicates an additional Appraisal Admin Fee, an additional Appraisal fee, and a Rush Fee that were not previously disclosed. The original file contains a COC with date of change of xxx. Lender to provide revised CD issued within 3 business days of the date of change along with tracking information. - Due Diligence Vendor-06/09/2026 Open-**** Borrower(s) executed Final Closing Disclosure, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/29/2026 |
Resolved-Received revised
CD - Due Diligence Vendor-06/25/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.28% Is
Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 47.43% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 367.68 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000130693 | D | A | C | A | D | A | A | A | Closed | finding-3634 | 2026-06-09 10:58 | 2026-06-25 08:54 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Received revised
CD - Due Diligence Vendor-06/25/2026 Ready for Review-c - Due Diligence Vendor-06/25/2026 Open- - Due Diligence Vendor-06/25/2026 Ready for Review-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-06/25/2026 Open- - Due Diligence Vendor-06/25/2026 Ready for Review-Please see attached 5-15 signed CD - Due Diligence Vendor-06/23/2026 Counter-************tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/16/2026 Counter-***Received Final CD and updated compliance test resulted in additional findings. The Final CD indicates an additional Appraisal Admin Fee, an additional Appraisal fee, and a Rush Fee that were not previously disclosed. The original file contains a COC with date of change of xxx. Lender to provide revised CD issued within 3 business days of the date of change along with tracking information. - Due Diligence Vendor-06/09/2026 Open- - Due Diligence Vendor-06/09/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-06/09/2026 |
Resolved-Received revised
CD - Due Diligence Vendor-06/25/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.28% Is
Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 47.43% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 367.68 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000130693 | D | A | C | A | D | A | A | A | Closed | finding-3631 | 2026-06-09 10:58 | 2026-06-25 08:54 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-Received revised
CD - Due Diligence Vendor-06/25/2026 Open- - Due Diligence Vendor-06/25/2026 Open- - Due Diligence Vendor-06/25/2026 Ready for Review-Please see attached xxxsigned CD - Due Diligence Vendor-06/23/2026 Counter-************tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/16/2026 Counter-***Received Final CD and updated compliance test resulted in additional findings. The Final CD indicates an additional Appraisal Admin Fee, an additional Appraisal fee, and a Rush Fee that were not previously disclosed. The original file contains a COC with date of change of xxx. Lender to provide revised CD issued within 3 business days of the date of change along with tracking information. - Due Diligence Vendor-06/09/2026 Open- - Due Diligence Vendor-06/09/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-06/09/2026 |
Resolved-Received revised
CD - Due Diligence Vendor-06/25/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.28% Is
Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 47.43% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 367.68 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000130693 | D | A | C | A | D | A | A | A | Closed | finding-3632 | 2026-06-09 10:58 | 2026-06-25 08:54 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received revised
CD - Due Diligence Vendor-06/25/2026 Open- - Due Diligence Vendor-06/25/2026 Open- - Due Diligence Vendor-06/25/2026 Ready for Review-Please see attached signed xxx CD - Due Diligence Vendor-06/23/2026 Counter-************tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/16/2026 Counter-***Received Final CD and updated compliance test resulted in additional findings. The Final CD indicates an additional Appraisal Admin Fee, an additional Appraisal fee, and a Rush Fee that were not previously disclosed. The original file contains a COC with date of change ofxxx. Lender to provide revised CD issued within 3 business days of the date of change along with tracking information. - Due Diligence Vendor-06/09/2026 Open- - Due Diligence Vendor-06/09/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-06/09/2026 |
Resolved-Received revised
CD - Due Diligence Vendor-06/25/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.28% Is
Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 47.43% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 367.68 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000130693 | D | A | C | A | D | A | A | A | Closed | finding-3545 | 2026-06-09 10:58 | 2026-06-25 08:34 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test | Resolved-***Received
Revised CD - Due Diligence Vendor-06/25/2026 Resolved- - Due Diligence Vendor-06/25/2026 Ready for Review-Please see attached xxx signed CD - Due Diligence Vendor-06/23/2026 Counter-************tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/16/2026 Counter-***Received Final CD and updated compliance test resulted in additional findings. The Final CD indicates an additional Appraisal Admin Fee, an additional Appraisal fee, and a Rush Fee that were not previously disclosed. The original file contains a COC with date of change of xxx. Lender to provide revised CD issued within 3 business days of the date of change along with tracking information. - Due Diligence Vendor-06/09/2026 Open- - Due Diligence Vendor-06/09/2026 Open-This loan failed the revised closing disclosure delivery date and changed circumstances date test. ( 12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , 12 CFR §1026.19(e)(4)(i) )The revised closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure). 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 SundayPLEASE 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, xxx 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.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). - Due Diligence Vendor-06/09/2026 |
Resolved-***Received
Revised CD - Due Diligence Vendor-06/25/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.28% Is
Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 47.43% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 367.68 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000130693 | D | A | C | A | D | A | A | A | Closed | FCRE1254 | 2026-06-01 16:37 | 2026-06-18 14:30 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title
Issue Resolved - Due Diligence Vendor-06/18/2026 Resolved-Recorded deed provided with handwritten adjustments to show xxx. - Due Diligence Vendor-06/18/2026 Ready for Review-warranty deed - Due Diligence Vendor-06/16/2026 Open-The Warranty Deed vested title in xxx and xxx husband and wife; however, the Mortgage identifies the borrowers as xxxand xxx, husband and wife. Please provide confirmation from title that the county recorder accepted this name variance and successfully recorded the lender’s security instrument notwithstanding the discrepancy. - Due Diligence Vendor-06/01/2026 |
Resolved-Property Title
Issue Resolved - Due Diligence Vendor-06/18/2026 Resolved-Recorded deed provided with handwritten adjustments to show xxx, as grantee. - Due Diligence Vendor-06/18/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.28% Is
Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 47.43% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 367.68 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000130693 | D | A | C | A | D | A | A | A | Closed | FCOM1544 | 2026-05-29 01:29 | 2026-06-09 10:57 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final
Closing Disclosure Provided - Due Diligence Vendor-06/09/2026 Ready for Review-Final cd - Due Diligence Vendor-06/08/2026 Open-TRID: Missing Final Closing Disclosure **** Borrower(s) executed Final Closing Disclosure, PCCD or other verification the borrower received the final figures (Closing Disclosure) for the transaction , has not been provided. A Compliance report cannot fully completed until the requested material document(s) are received, which may result in additional Findings - Due Diligence Vendor-05/29/2026 |
Resolved-TRID: Final
Closing Disclosure Provided - Due Diligence Vendor-06/09/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.28% Is
Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 47.43% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 367.68 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000125332 | D | A | A | A | D | A | D | A | Closed | FCOM1232 | 2026-05-29 05:53 | 2026-06-05 10:39 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is
Present - Due Diligence Vendor-06/05/2026 Ready for Review-Final loan app - Due Diligence Vendor-06/04/2026 Open-The Final 1003 is Missing - Due Diligence Vendor-05/29/2026 |
Resolved-The Final 1003 is
Present - Due Diligence Vendor-06/05/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000125332 | D | A | A | A | D | A | D | A | Closed | FPRO1242 | 2026-05-29 06:19 | 2026-06-04 08:14 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has
been provided - Due Diligence Vendor-06/04/2026 Ready for Review-Appraisal and compliance cert - Due Diligence Vendor-06/03/2026 Open-Appraisal is Missing - Missing primary appraisal - Due Diligence Vendor-05/29/2026 |
Resolved-Appraisal has
been provided - Due Diligence Vendor-06/04/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000130623 | B | B | B | B | A | A | A | A | Closed | FCRE1254 | 2026-05-29 05:17 | 2026-05-29 10:53 | Waived | 2 - Non-Material | B | B | Credit | Title | Property Title Issue | Waived-Property Title Issue Borrower is on the mortgage being paid off; however she is not on title currently, property is titled only in her non-borrowing spouse's name, her primary residence mortgage is only the spouse's name however she is on title. Title passed to both parties with Deed as part of transaction. - Due Diligence Vendor-05/29/2026 | Waived-Property Title
Issue Borrower is on the mortgage being paid off; however she is not on title
currently, property is titled only in her non-borrowing spouse's name, her
primary residence mortgage is only the spouse's name however she is on title.
Title passed to both parties with Deed as part of transaction. - Due Diligence Vendor-05/29/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.09% Is
Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 113.94 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
FICO above Minimum, Reserves exceed minimum not including
the cash out, LTV is below the max and DSCR score using lessor of the STR is above minimum |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxx | ||||
| 4000127942 | C | A | A | A | C | A | A | A | Closed | FCOM2276 | 2026-06-01 13:40 | 2026-06-04 12:27 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-PCCD received,
data entered, no additional compliance findings. Thank you - Due Diligence
Vendor-06/04/2026 Ready for Review-Please see the attached PCCD - Due Diligence Vendor-06/04/2026 Open-Borrower executed documents on xxx, after Final Closing Disclosure Disbursement date of xxx. Please provide Post Consummation Closing Disclosure with actual disbursement date. - Due Diligence Vendor-06/01/2026 |
Resolved-PCCD received,
data entered, no additional compliance findings. Thank you - Due Diligence
Vendor-06/04/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of
47.83% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 28.49% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.34 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127942 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-06-01 13:41 | 2026-06-03 08:13 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-received
confirmation of the application date - Due Diligence Vendor-06/03/2026 Ready for Review-Please see the attached App snip - Due Diligence Vendor-06/03/2026 Open-Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-06/01/2026 |
Resolved-received
confirmation of the application date - Due Diligence Vendor-06/03/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of
47.83% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 28.49% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.34 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000128623 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-06-01 02:28 | 2026-06-03 14:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud
Report is provided - Due Diligence Vendor-06/03/2026 Ready for Review-Please see the attached Fraud report - Due Diligence Vendor-06/03/2026 Open-Missing Third Party Fraud Report The loan file does not contain a fraud report. However, OFAC and MERS documentation are present in the file and are located on pages 276 and 257, respectively. - Due Diligence Vendor-06/01/2026 |
Resolved-Third Party Fraud
Report is provided - Due Diligence Vendor-06/03/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More
Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 35.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.17 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000131034 | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2026-06-01 02:29 | 2026-06-19 13:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd
Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/19/2026 Resolved- - Due Diligence Vendor-06/19/2026 Ready for Review-VOE - Due Diligence Vendor-06/18/2026 Ready for Review-CPA email for V VOE + Supporting online CPA Information along with business search - Due Diligence Vendor-06/18/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-06/01/2026 |
Resolved-Borrower 1 3rd
Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/19/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.37% Is
Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.06% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.23 Are Greater Than The Guideline Minimum Of 6.41 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000131034 | D | A | D | A | A | A | A | A | Closed | FCRE1182 | 2026-06-01 03:00 | 2026-06-16 13:47 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting
Summary is fully present - Due Diligence Vendor-06/16/2026 Ready for Review-1008/Transmittal - Due Diligence Vendor-06/15/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-06/01/2026 |
Resolved-1008/Underwriting
Summary is fully present - Due Diligence Vendor-06/16/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.37% Is
Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.06% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.23 Are Greater Than The Guideline Minimum Of 6.41 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000131034 | D | A | D | A | A | A | A | A | Closed | FCRE1241 | 2026-06-01 01:51 | 2026-06-16 13:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract
Issue Resolved - Due Diligence Vendor-06/16/2026 Ready for Review-Purchase Agreement/Contract - Due Diligence Vendor-06/15/2026 Open-Purchase Contract Is Missing - Due Diligence Vendor-06/01/2026 |
Resolved-Purchase Contract
Issue Resolved - Due Diligence Vendor-06/16/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.37% Is
Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.06% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.23 Are Greater Than The Guideline Minimum Of 6.41 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000128566 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-06-01 05:57 | 2026-06-02 08:46 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received
confirmation of the application date - Due Diligence Vendor-06/02/2026 Ready for Review-Please see attached :) Thank you! - Due Diligence Vendor-06/02/2026 Open-Documentation provided does not include confirmation of the borrower’s application date. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-06/01/2026 |
Resolved-***Received
confirmation of the application date - Due Diligence Vendor-06/02/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of
60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 37.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 83.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000127954 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-06-01 13:24 | 2026-06-02 08:46 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-**Received
confirmation of the application date - Due Diligence Vendor-06/02/2026 Ready for Review-Please see attached :) Thank you! - Due Diligence Vendor-06/02/2026 Open-Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-06/01/2026 |
Resolved-**Received
confirmation of the application date - Due Diligence Vendor-06/02/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 42.51% Is
Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.57 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000129324 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000130664 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000130003 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000126692 | D | A | C | A | D | A | A | A | Closed | FCOM4227 | 2026-06-01 08:49 | 2026-06-15 09:48 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-**Received ICD -
Due Diligence Vendor-06/15/2026 Ready for Review-ICD with disclosure history - Due Diligence Vendor-06/12/2026 Counter-*We are still missing the Initial Closing Disclosure and evidence that disclosure was provided to borrowers at least 3 business days prior to closing. Document is needed to complete compliance testing. - Due Diligence Vendor-06/11/2026 Ready for Review-ICD - Due Diligence Vendor-06/10/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-06/01/2026 |
Resolved-**Received ICD -
Due Diligence Vendor-06/15/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More
Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 56.55% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 47.52% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 130.08 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000126692 | D | A | C | A | D | A | A | A | Closed | finding-3532 | 2026-06-11 09:51 | 2026-06-15 09:42 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-**Received ICD -
Due Diligence Vendor-06/15/2026 Ready for Review-ICD with disclosure history - Due Diligence Vendor-06/12/2026 Counter-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 creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. *We are still missing the Initial Closing Disclosure and evidence that disclosure was provided to borrowers at least 3 business days prior to closing. Document is needed to complete compliance testing. - Due Diligence Vendor-06/11/2026 Counter-*We are still missing the Initial Closing Disclosure and evidence that disclosure was provided to borrowers at least 3 business days prior to closing. Document is needed to complete compliance testing. - Due Diligence Vendor-06/11/2026 Open- - Due Diligence Vendor-06/11/2026 |
Resolved-**Received ICD -
Due Diligence Vendor-06/15/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More
Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 56.55% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 47.52% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 130.08 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000126692 | D | A | C | A | D | A | A | A | Closed | FCOM1232 | 2026-06-01 01:36 | 2026-06-15 08:29 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is
Present - Due Diligence Vendor-06/15/2026 Ready for Review-final 1003 - Due Diligence Vendor-06/12/2026 Open-The Final 1003 is Missing - Due Diligence Vendor-06/01/2026 |
Resolved-The Final 1003 is
Present - Due Diligence Vendor-06/15/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More
Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 56.55% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 47.52% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 130.08 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |
The Final 1003 is Missing | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | |||
| 4000126692 | D | A | C | A | D | A | A | A | Closed | FCRE5790 | 2026-06-01 02:49 | 2026-06-12 07:48 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap
Credit Report is not expired. - Due Diligence Vendor-06/12/2026 Ready for Review-10 day CR - Due Diligence Vendor-06/10/2026 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-06/01/2026 |
Resolved-Borrower 1 Gap
Credit Report is not expired. - Due Diligence Vendor-06/12/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More
Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 56.55% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 47.52% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 130.08 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000129687 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-06-02 07:41 | 2026-06-05 17:10 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received
confirmation of the application date - Due Diligence Vendor-06/05/2026 Ready for Review-Please see the attached App snip - Due Diligence Vendor-06/05/2026 Open-Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-06/02/2026 |
Resolved-***Received
confirmation of the application date - Due Diligence Vendor-06/05/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - VALIDATED
Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty
(20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - VALIDATED Original LTV Of 43.23% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - VALIDATED Calculated DTI Of 39.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - VALIDATED Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - VALIDATED Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - VALIDATED Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000129678 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000131376 | D | A | D | A | A | A | A | A | Closed | FCRE1468 | 2026-06-01 05:42 | 2026-06-05 11:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided
Or Not Applicable - Due Diligence Vendor-06/05/2026 Ready for Review-Please find the attached signed final settlement statement for xxx It is a certified form, verifying that it is sold. - Due Diligence Vendor-06/05/2026 Open-Asset 2 Missing -Pending Net Sale Proceeds From Real Estate Assets iao xxx - Property Address xxx- Due Diligence Vendor-06/01/2026 |
Resolved-Asset 2 Provided
Or Not Applicable - Due Diligence Vendor-06/05/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More
Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.55% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000128093 | D | A | D | A | A | A | A | A | Closed | FCRE7000 | 2026-06-01 19:22 | 2026-06-05 11:22 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid
Assets Available for Close Resolved - Due Diligence Vendor-06/03/2026 Rescinded-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx. Validated - Due Diligence Vendor-06/02/2026 |
Resolved-Total Liquid
Assets Available for Close Resolved - Due Diligence Vendor-06/03/2026 Rescinded-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx. Validated - Due Diligence Vendor-06/02/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Validated
Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty
(20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 62.73 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 53.37% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of % Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 36.92 Years |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | |||||
| 4000128093 | D | A | D | A | A | A | A | A | Closed | FCRE1470 | 2026-06-02 08:02 | 2026-06-05 11:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 4 Missing | Resolved-Asset 4 Provided
Or Not Applicable - Due Diligence Vendor-06/05/2026 Ready for Review-We already provided the Gift Letter and Receipt in the closed package. I kindly request to waive the condition. - Due Diligence Vendor-06/04/2026 Open-Missing proof of available Gift Funds ioa xxx from Donor either via wire to escrow company or Bank statement - Only Gift letter was in loan file. - Due Diligence Vendor-06/03/2026 Rescinded-Asset 4 Missing Validated - Due Diligence Vendor-06/02/2026 |
Resolved-Asset 4 Provided
Or Not Applicable - Due Diligence Vendor-06/05/2026 Rescinded-Asset 4 Missing Validated - Due Diligence Vendor-06/02/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Validated
Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty
(20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 62.73 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 53.37% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of % Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 36.92 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000128093 | D | A | D | A | A | A | A | A | Closed | FCRE1159 | 2026-06-01 10:47 | 2026-06-03 15:02 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance
Effective Date of xxx is prior to or equal to the Disbursement Date ofxxx Or
Hazard Insurance Effective Date Is Not Provided - Due Diligence
Vendor-06/03/2026 Ready for Review-We already provided the POST CD in the closed package page 342 and it shows disbursement date is same date as EOI effective date of xxx. I kindly request to waive the condition. - Due Diligence Vendor-06/03/2026 Open-Hazard Insurance Effective Date ofxxx is after the Disbursement Date ofxxxHazard Insurance coverage became effective on xxx, which is after the loan disbursement date of xxx. The file does not demonstrate active hazard insurance coverage as of the disbursement date. - Due Diligence Vendor-06/02/2026 |
Resolved-Hazard Insurance
Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or
Hazard Insurance Effective Date Is Not Provided - Due Diligence
Vendor-06/03/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Validated
Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty
(20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 62.73 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 53.37% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of % Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 36.92 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000128093 | D | A | D | A | A | A | A | A | Closed | FCRE1198 | 2026-06-03 14:48 | 2026-06-03 15:00 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves
of 14.88 are greater than or equal to Guideline Required Reserves of 6 - Due
Diligence Vendor-06/03/2026 Open-Audited Reserves of are less than Guideline Required Reserves of 6 - Due Diligence Vendor-06/03/2026 |
Resolved-Audited Reserves
of 14.88 are greater than or equal to Guideline Required Reserves of 6 - Due
Diligence Vendor-06/03/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Validated
Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty
(20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 62.73 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 53.37% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of % Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 36.92 Years |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | |||||
| 4000131653 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000132699 | C | A | C | A | A | A | A | A | Closed | FCRE1204 | 2026-06-01 23:11 | 2026-06-03 12:32 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud report
provided - Due Diligence
Vendor-06/03/2026 Ready for Review-Hello team, please see attached fraud report reflecting all cleared alerts, thank you. - Due Diligence Vendor-06/02/2026 Open-Provide an updated fraud report with all open alerts/high-level red flags fully addressed and/or cleared, as the current fraud report reflects unresolved alerts that do not meet GL Fraud Report requirements; additional conditions may apply upon review. - Due Diligence Vendor-06/02/2026 |
Resolved-Fraud report
provided - Due Diligence
Vendor-06/03/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More
Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 39.56% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.71% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000129690 | C | A | A | A | C | A | A | A | Closed | finding-3712 | 2026-06-02 16:51 | 2026-06-04 13:21 | Resolved | 1 - Information | C | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-xxx per diem
disclosure has been provided. thank you - Due Diligence Vendor-06/04/2026 Ready for Review-Please find per diem disclosure - Due Diligence Vendor-06/04/2026 Open-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan xxx) exceeds the per diem interest charge or credit threshold (xxx).PLEASE NOTE: An additional xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. **** Please provide the xxx Per Diem Disclosure for review - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-xxx per diem
disclosure has been provided. thank you - Due Diligence Vendor-06/04/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More
Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.61% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.39 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000132701 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000128010 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-06-03 02:57 | 2026-06-05 09:16 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received
confirmation of the application date - Due Diligence Vendor-06/05/2026 Ready for Review-Please see the attached App snip - Due Diligence Vendor-06/04/2026 Open-****** Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-06/03/2026 |
Resolved-***Received
confirmation of the application date - Due Diligence Vendor-06/05/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More
Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000128010 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-06-02 17:00 | 2026-06-05 09:05 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-***Received PCCD
- Due Diligence Vendor-06/05/2026 Ready for Review-Please see the attached PCCD - Due Diligence Vendor-06/04/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The 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. ******* Borrower executed documents on xxx Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-***Received PCCD
- Due Diligence Vendor-06/05/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More
Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000131448 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-06-03 18:36 | 2026-06-04 13:45 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-Lender provided
LOS screenshot indicating Application date of 5/7/2026 - Due Diligence
Vendor-06/04/2026 Ready for Review-Here you are. - Due Diligence Vendor-06/04/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-06/03/2026 |
Resolved-Lender provided
LOS screenshot indicating Application date of xxx - Due Diligence
Vendor-06/04/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More
Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.42 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.36 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000130048 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000130616 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000131062 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000128775 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000126979 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000129648 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000130050 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000127952 | D | A | D | A | A | A | A | A | Closed | FCRE6019 | 2026-06-02 01:37 | 2026-06-09 09:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Valid DL and US
patriot act provided - Due Diligence
Vendor-06/09/2026 Ready for Review-Copies of DL's and Patriot act form - Due Diligence Vendor-06/08/2026 Counter-Apologies for the confusion, Missing Valid Drivers License or Signed US Patriot Act form from the Loan file. - Due Diligence Vendor-06/04/2026 Ready for Review-Doesn't apply, Borrower is a US citizen, See 1003 page 1, citizenship checked US citizen. - Due Diligence Vendor-06/03/2026 Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-06/02/2026 |
Resolved-Valid DL and US
patriot act provided - Due Diligence
Vendor-06/09/2026 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 45.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or
More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.85% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127952 | D | A | D | A | A | A | A | A | Closed | FCRE1182 | 2026-06-02 02:48 | 2026-06-04 13:51 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting
Summary is fully present - Due Diligence Vendor-06/04/2026 Ready for Review-1008 - Due Diligence Vendor-06/03/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-06/02/2026 |
Resolved-1008/Underwriting
Summary is fully present - Due Diligence Vendor-06/04/2026 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 45.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or
More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.85% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127952 | D | A | D | A | A | A | A | A | Closed | FCRE1253 | 2026-06-02 02:15 | 2026-06-04 13:50 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert
Provided - Due Diligence Vendor-06/04/2026 Ready for Review-Tax cert - Due Diligence Vendor-06/03/2026 Open-Missing Property Tax Cert - Due Diligence Vendor-06/02/2026 |
Resolved-Property Tax Cert
Provided - Due Diligence Vendor-06/04/2026 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 45.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or
More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.85% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127952 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2026-06-02 02:15 | 2026-06-04 13:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is
fully Present - Due Diligence Vendor-06/04/2026 Ready for Review-prelim title - Due Diligence Vendor-06/03/2026 Open-Title Document is missing - Due Diligence Vendor-06/02/2026 |
Resolved-Title Document is
fully Present - Due Diligence Vendor-06/04/2026 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 45.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or
More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.85% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000131248 | C | A | C | A | A | A | A | A | Closed | FCRE1204 | 2026-06-03 11:58 | 2026-06-16 12:53 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud report
provided - Due Diligence
Vendor-06/16/2026 Ready for Review-Hello team, please see attached fraud report reflecting all cleared alerts, thank you. - Due Diligence Vendor-06/15/2026 Counter-No attachment provided - Due Diligence Vendor-06/09/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-06/08/2026 Open-Provide an updated Fraud Report with all open alerts and/or high-level red flags fully addressed and cleared, as the current Fraud Report reflects unresolved alerts that do not meet GL Fraud Report requirements; additional conditions may apply upon review. - Due Diligence Vendor-06/03/2026 |
Resolved-Fraud report
provided - Due Diligence
Vendor-06/16/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More
Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000131248 | C | A | C | A | A | A | A | A | Closed | FCRE1501 | 2026-06-03 12:00 | 2026-06-09 13:57 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower Identification Documentation Partially Provided | Resolved-Updated 1003
provided - Due Diligence
Vendor-06/09/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-06/08/2026 Open-Provide an updated Final 1003, Credit Report, and Fraud Report reflecting Borrower 1’s correct date of birth, as the current documents reflect an incorrect DOB when compared to the borrower’s Permanent Resident Alien Card and Patriot Act Form; additional conditions may apply upon review. - Due Diligence Vendor-06/03/2026 |
Resolved-Updated 1003
provided - Due Diligence
Vendor-06/09/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More
Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000130335 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000127075 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000131582 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000131041 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-06-03 07:03 | 2026-06-08 14:08 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-***Received PCCD
- Due Diligence Vendor-06/08/2026 Resolved- - Due Diligence Vendor-06/08/2026 Ready for Review-Document Uploaded. - Seller-06/05/2026 Open-The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/03/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The 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. - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/03/2026 |
Ready for Review-Document Uploaded. - Seller-06/05/2026 |
Resolved-***Received PCCD
- Due Diligence Vendor-06/08/2026 |
Borrower 1 Has Stable Job
Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job
Time Of Five (5) Or More Years At Current Job - 35.51 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years |
PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | |||
| 4000129639 | C | A | C | A | A | A | A | A | Closed | FCRE1254 | 2026-06-04 09:53 | 2026-06-05 13:29 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title
Issue Resolved - Due Diligence Vendor-06/05/2026 Resolved-Lender provided further explanation and documentation. - Due Diligence Vendor-06/05/2026 Ready for Review-Per attached xxx County property tax records, the special assessments referenced in Exception#5 are included in the property tax bill and are currently. The attached tax payment history reflects a paid status with a $0.00 balance due. Please clear this condition. Thank you. - Due Diligence Vendor-06/04/2026 Open-Property Title Issue Provide documentation to prove Notice of Special Tax Lien is satisfied per number 5. of preliminary title report. Recording date xxx- xxx - Due Diligence Vendor-06/04/2026 |
Resolved-Property Title
Issue Resolved - Due Diligence Vendor-06/05/2026 Resolved-Lender provided further explanation and documentation. - Due Diligence Vendor-06/05/2026 |
Borrower 1 Has Stable Time
In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In
Profession By Ten (10) Years Or More - 37.41 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 37.41 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 37.41 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40.36% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.06 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.52% Is Less Than The Guideline Maximum Of 49.99% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000132385 | D | B | D | B | A | A | A | A | Closed | FCRE1182 | 2026-06-03 01:18 | 2026-06-18 13:28 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting
Summary is fully present - Due Diligence Vendor-06/18/2026 Ready for Review-final approval - Due Diligence Vendor-06/18/2026 Open-1008/Underwriting Summary Not Provided. Provide 1008 or Underwriting approval showing DSCR and loan terms as neither was provided at the time of review as required. - Due Diligence Vendor-06/03/2026 |
Resolved-1008/Underwriting
Summary is fully present - Due Diligence Vendor-06/18/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.49% Is
Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 192.12 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000132385 | D | B | D | B | A | A | A | A | Closed | FCRE1201 | 2026-06-03 00:52 | 2026-06-18 13:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud
Report is provided - Due Diligence Vendor-06/18/2026 Ready for Review-background reports - Due Diligence Vendor-06/18/2026 Open-Missing Third Party Fraud Report. Provide Fraud Report - Due Diligence Vendor-06/03/2026 |
Resolved-Third Party Fraud
Report is provided - Due Diligence Vendor-06/18/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.49% Is
Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 192.12 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000132385 | D | B | D | B | A | A | A | A | Closed | FCRE1143 | 2026-06-02 10:07 | 2026-06-18 13:18 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Builder is in control of HOA | Waived- - Due Diligence
Vendor-06/18/2026 Ready for Review-processor cert - Due Diligence Vendor-06/16/2026 Counter-Apologies for the confusion, Per Guidelines: HOA CONTROL: The developer may be in control of the condominium association provided the Master Agreement provides for the homeowners to take control upon either a predetermined percentage of unit sales or within a defined time period. The Appraisal states No Active HOA - Due Diligence Vendor-06/09/2026 Ready for Review-Please confirm what is needed to clear the condition. - Due Diligence Vendor-06/08/2026 Open-The Builder is in control of the HOA - Due Diligence Vendor-06/02/2026 |
Waived- - Due Diligence
Vendor-06/18/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.49% Is
Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 192.12 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
FICO at xxx LTV < xxx% |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxx | |||
| 4000128629 | C | A | A | A | C | A | A | A | Closed | finding-3712 | 2026-06-09 01:11 | 2026-06-10 15:23 | Resolved | 1 - Information | C | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-xxx per diem
interest disclosure provided. Thank you - Due Diligence Vendor-06/10/2026 Ready for Review-Please see the attached PD - Due Diligence Vendor-06/10/2026 Open-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan (xxx) exceeds the per diem interest charge or credit threshold xxx).PLEASE NOTE: An additional xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. *********PCCD and final SS has been provided resulting in new/additional findings: ~~~~ Post Consummation Closing Disclosure disbursement date of xxx, Section F per Diem interest ( xxx to xxx) exceeds the 1 day allowed by xxx. xxx disclosure to comply to xxx Code, Civil Code - CIV § 2948.5 has not been provided. - Due Diligence Vendor-06/09/2026 Open- - Due Diligence Vendor-06/09/2026 |
Resolved-xxx per diem
interest disclosure provided. Thank you - Due Diligence Vendor-06/10/2026 |
Calculated DTI Is Less
Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of
38.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or
More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000128629 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-06-03 10:40 | 2026-06-10 15:22 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-xxx per diem
interest disclosure provided. Thank you - Due Diligence Vendor-06/10/2026 Ready for Review-Please see the attached PD - Due Diligence Vendor-06/10/2026 Counter-*********PCCD and final SS has been provided resulting in new/additional findings: ~~~~ Post Consummation Closing Disclosure disbursement date of xxx, Section F per Diem interest ( xxx) exceeds the 1 day allowed byxxx xxx disclosure to comply to xxx Code, Civil Code - CIV § 2948.5 has not been provided. - Due Diligence Vendor-06/09/2026 Resolved- - Due Diligence Vendor-06/09/2026 Ready for Review-Please see the attached FSS - Due Diligence Vendor-06/08/2026 Counter-***Received PCCD issued xxx with disbursement date of xxx. Lender to provide a title company certified copy of the Final Settlement Statement for review. - Due Diligence Vendor-06/05/2026 Ready for Review-Please see the attached PCCD - Due Diligence Vendor-06/05/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The 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. ****The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date.******* Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-06/04/2026 Open- - Due Diligence Vendor-06/04/2026 Open- - Due Diligence Vendor-06/04/2026 Open- - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/03/2026 |
Resolved-xxx per diem
interest disclosure provided. Thank you - Due Diligence Vendor-06/10/2026 |
Calculated DTI Is Less
Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of
38.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or
More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000128629 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-06-04 01:58 | 2026-06-05 17:05 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received
confirmation of the application date - Due Diligence Vendor-06/05/2026 Ready for Review-Please see the attached App snip - Due Diligence Vendor-06/05/2026 Open-Documentation provided does not include confirmation of the borrower’s application date. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you.*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-06/04/2026 |
Resolved-***Received
confirmation of the application date - Due Diligence Vendor-06/05/2026 |
Calculated DTI Is Less
Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of
38.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or
More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000130045 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-06-04 14:17 | 2026-06-05 17:12 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***received
confirmation of the application date - Due Diligence Vendor-06/05/2026 Ready for Review-Please see attached :) Thank you! - Due Diligence Vendor-06/05/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-06/04/2026 |
Resolved-***received
confirmation of the application date - Due Diligence Vendor-06/05/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More
Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000128586 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000130040 | C | A | C | A | C | A | A | A | Closed | FCOM4227 | 2026-06-03 06:06 | 2026-06-10 14:44 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received,
data entered, no additional compliance findings. Thank you - Due Diligence
Vendor-06/10/2026 Ready for Review-Original ICD was signed on xxx and xxx is the revised version due to interest rate changed. Please review and clear the condition. - Due Diligence Vendor-06/10/2026 Counter-***Received disclosure tracking information for CD issued xxx. Documents indicate loan closed on xxx, lender to provide missing Initial Closing Disclosure and evidence that disclosure was provided to borrowers at least 3 business days prior to closing. Document is needed to complete compliance testing. - Due Diligence Vendor-06/08/2026 Ready for Review-We already provided the Audit Trail for Initial CD. Please review and waive the condition. - Due Diligence Vendor-06/05/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-06/03/2026 |
Resolved-ICD received,
data entered, no additional compliance findings. Thank you - Due Diligence
Vendor-06/10/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More
Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60.34% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.16 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000130040 | C | A | C | A | C | A | A | A | Closed | finding-3532 | 2026-06-08 09:29 | 2026-06-10 14:42 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-ICD received,
data entered, no additional compliance findings. Thank you - Due Diligence
Vendor-06/10/2026 Counter-***Received disclosure tracking information for CD issued xxx. Documents indicate loan closed on xxx, lender to provide missing Initial Closing Disclosure and evidence that disclosure was provided to borrowers at least 3 business days prior to closing. Document is needed to complete compliance testing. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 Open-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 creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-06/08/2026 |
Resolved-ICD received,
data entered, no additional compliance findings. Thank you - Due Diligence
Vendor-06/10/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More
Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60.34% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.16 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | |||||
| 4000130040 | C | A | C | A | C | A | A | A | Closed | finding-3631 | 2026-06-08 09:29 | 2026-06-10 14:42 | Resolved | 1 - Information | A | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-ICD received,
data entered, no additional compliance findings. Thank you - Due Diligence
Vendor-06/10/2026 Ready for Review-It seems like this condition looks internal message. I kindly request to waive the condition. - Due Diligence Vendor-06/09/2026 Rescinded-N/A - Due Diligence Vendor-06/08/2026 Rescinded- - Due Diligence Vendor-06/08/2026 Resolved- - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-06/08/2026 |
Resolved-ICD received,
data entered, no additional compliance findings. Thank you - Due Diligence
Vendor-06/10/2026 Rescinded-N/A - Due Diligence Vendor-06/08/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More
Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60.34% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.16 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | |||||
| 4000130040 | C | A | C | A | C | A | A | A | Closed | FCRE1440 | 2026-06-04 14:18 | 2026-06-08 13:59 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History
Meets Guideline Requirements - Due Diligence Vendor-06/08/2026 Ready for Review-We already provided the LOE in the closed package. Please review and waive the condition. - Due Diligence Vendor-06/08/2026 Open-Housing History Does Not Meet Guideline Requirements Provide missing rent-free letter- Borrowers that do not have the required housing payment history are still eligible to qualify for a purchase transaction of a primary residence so long as the individual or entity they are residing with rent-free provides a Letter of explanation (LOE) confirming that there is/was no monthly obligation. - Due Diligence Vendor-06/04/2026 |
Resolved-Housing History
Meets Guideline Requirements - Due Diligence Vendor-06/08/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More
Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60.34% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.16 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000130040 | C | A | C | A | C | A | A | A | Closed | FCOM7353 | 2026-06-04 15:04 | 2026-06-08 09:28 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received
confirmation of the application date - Due Diligence Vendor-06/08/2026 Ready for Review-Here you are. - Due Diligence Vendor-06/05/2026 Open-***** Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-06/04/2026 |
Resolved-***Received
confirmation of the application date - Due Diligence Vendor-06/08/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More
Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60.34% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.16 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000128570 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000131589 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000128833 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000127537 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000126258 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000127759 | D | A | A | A | A | A | D | A | Closed | FVAL4940 | 2026-06-04 15:23 | 2026-06-16 14:21 | Resolved | 1 - Information | D | A | Property | Missing Doc | Homeowner's Association Questionnaire is missing | Resolved- - Due Diligence
Vendor-06/16/2026 Ready for Review-Please see condo questionnaire attached and clarification email - Due Diligence Vendor-06/15/2026 Open-Provide a completed HOA Condominium Questionnaire for the subject project, as required for all condominium units, or provide documentation evidencing the project is approved through xxx and meets applicable warrantable or non-warrantable condominium project criteria; additional conditions may apply upon review. - Due Diligence Vendor-06/04/2026 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 160.63 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or
More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | |||||
| 4000127727 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 4000131579 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000128363 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000131637 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000131805 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000127925 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000131702 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000131268 | C | A | C | A | A | A | A | A | Closed | FCRE1204 | 2026-06-04 12:55 | 2026-06-08 11:26 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud report
provided - Due Diligence
Vendor-06/08/2026 Ready for Review-Hello Team, please see attached, thank you - Due Diligence Vendor-06/05/2026 Open-Provide an updated fraud report with all open alerts/high-level red flags fully addressed and/or cleared, as the current fraud report reflects unresolved alerts that do not meet GL Fraud Report requirements; additional conditions may apply upon review. - Due Diligence Vendor-06/04/2026 |
Resolved-Fraud report
provided - Due Diligence
Vendor-06/08/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More
Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.11 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.03% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000128112 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000129643 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000131634 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000130217 | D | A | D | A | A | A | C | A | Closed | FCRE6843 | 2026-06-05 12:08 | 2026-06-09 13:50 | Resolved | 1 - Information | C | A | Credit | Assets | Asset General | Resolved- - Due Diligence
Vendor-06/09/2026 Ready for Review-emd and gift funds - Due Diligence Vendor-06/08/2026 Open-Missing proof of Earnest deposit receipt and Gift letter as well proof of gift funds receipt stated in final Closing Disclosure. - Due Diligence Vendor-06/05/2026 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 45.92 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or
More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | |||||
| 4000130217 | D | A | D | A | A | A | C | A | Closed | FCRE1467 | 2026-06-03 10:46 | 2026-06-09 13:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided
- Due Diligence Vendor-06/09/2026 Ready for Review-xxx - Due Diligence Vendor-06/08/2026 Open-Asset 1 Missing Missing xxx- Due Diligence Vendor-06/03/2026 |
Resolved-Asset 1 Provided
- Due Diligence Vendor-06/09/2026 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 45.92 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or
More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000130217 | D | A | D | A | A | A | C | A | Closed | FCRE1241 | 2026-06-03 10:18 | 2026-06-09 13:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract
Issue Resolved - Due Diligence Vendor-06/09/2026 Ready for Review-contract - Due Diligence Vendor-06/08/2026 Open-Purchase Contract Is Missing - Due Diligence Vendor-06/05/2026 |
Resolved-Purchase Contract
Issue Resolved - Due Diligence Vendor-06/09/2026 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 45.92 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or
More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000130217 | D | A | D | A | A | A | C | A | Closed | FPRO1136 | 2026-06-03 10:18 | 2026-06-09 13:47 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for
Subject Property Appraisal is completed on an As-Is Basis, the 1004D
Completion Report is fully present, or Not Applicable - Due Diligence
Vendor-06/09/2026 Ready for Review-final inspection - Due Diligence Vendor-06/08/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present - Due Diligence Vendor-06/05/2026 |
Resolved-Primary Value for
Subject Property Appraisal is completed on an As-Is Basis, the 1004D
Completion Report is fully present, or Not Applicable - Due Diligence
Vendor-06/09/2026 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 45.92 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or
More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000126570 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000129218 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000132373 | D | A | D | A | A | A | A | A | Closed | FCRE1182 | 2026-06-03 04:06 | 2026-06-09 10:02 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting
Summary is fully present - Due Diligence Vendor-06/09/2026 Ready for Review-underwriting summary - Due Diligence Vendor-06/08/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-06/03/2026 |
Resolved-1008/Underwriting
Summary is fully present - Due Diligence Vendor-06/09/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.05% Is
Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.23 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000132373 | D | A | D | A | A | A | A | A | Closed | FCRE1198 | 2026-06-03 04:06 | 2026-06-09 10:02 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves
of 49.23 are greater than or equal to Guideline Required Reserves of 3 - Due
Diligence Vendor-06/09/2026 Ready for Review-Loan closed simultaneously closing with xxx. Cash to close and reserves are coming from this closing. Attached is settlement statement from this transaction. - Due Diligence Vendor-06/08/2026 Open-Audited Reserves of are less than Guideline Required Reserves of 3 - Due Diligence Vendor-06/03/2026 |
Resolved-Audited Reserves
of 49.23 are greater than or equal to Guideline Required Reserves of 3 - Due
Diligence Vendor-06/09/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.05% Is
Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.23 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000132373 | D | A | D | A | A | A | A | A | Closed | FCRE7000 | 2026-06-03 04:00 | 2026-06-09 10:00 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid
Assets Available for Close Resolved - Due Diligence Vendor-06/09/2026 Ready for Review-Loan closed simultaneously closing with xxx. Cash to close and reserves are coming from this closing. Attached is settlement statement from this transaction. - Due Diligence Vendor-06/08/2026 Open-Total Liquid Assets Available for Close of $0 is less than Total Cash to Close xxx. - Due Diligence Vendor-06/03/2026 |
Resolved-Total Liquid
Assets Available for Close Resolved - Due Diligence Vendor-06/09/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.05% Is
Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.23 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000132373 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-06-03 03:54 | 2026-06-09 09:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud
Report is provided - Due Diligence Vendor-06/09/2026 Ready for Review-background report - Due Diligence Vendor-06/08/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-06/03/2026 |
Resolved-Third Party Fraud
Report is provided - Due Diligence Vendor-06/09/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.05% Is
Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.23 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000132373 | D | A | D | A | A | A | A | A | Closed | FCRE1252 | 2026-06-03 03:37 | 2026-06-09 09:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document is Incomplete | Resolved-Title Document is
Provided And Complete - Due Diligence Vendor-06/09/2026 Ready for Review-title commitment - Due Diligence Vendor-06/08/2026 Open-Title Document is Incomplete - Due Diligence Vendor-06/03/2026 |
Resolved-Title Document is
Provided And Complete - Due Diligence Vendor-06/09/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.05% Is
Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.23 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000126336 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000133119 | D | A | D | A | A | A | A | A | Closed | FCRE1241 | 2026-06-04 01:00 | 2026-06-10 12:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract
Issue Resolved - Due Diligence Vendor-06/10/2026 Ready for Review-Hello Team, please see attached, thank you - Due Diligence Vendor-06/09/2026 Open-Purchase Contract Is Missing Provide a fully executed Purchase Contract, including all addenda, amendments, and counteroffers, as the Purchase Contract is currently missing from the file; additional conditions may apply upon review. - Due Diligence Vendor-06/04/2026 |
Resolved-Purchase Contract
Issue Resolved - Due Diligence Vendor-06/10/2026 |
Calculated DTI Is Less
Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of
40.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or
More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.81% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.19 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000133119 | D | A | D | A | A | A | A | A | Closed | FCRE3978 | 2026-06-04 20:14 | 2026-06-10 12:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Letter of Explanation (Credit) missing or unexecuted | Resolved-rent free letter
provided - Due Diligence
Vendor-06/10/2026 Ready for Review-Hello Team, please see attached, thank you - Due Diligence Vendor-06/09/2026 Open-Provide a signed letter from the individual responsible for the current rent or mortgage payment for xxx, as the file reflects no primary housing expense for B1. Per GL requirements for borrowers living rent-free, documentation from the party responsible for the housing payment is required; additional conditions may apply upon review. - Due Diligence Vendor-06/05/2026 |
Resolved-rent free letter
provided - Due Diligence
Vendor-06/10/2026 |
Calculated DTI Is Less
Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of
40.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or
More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.81% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.19 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000133119 | D | A | D | A | A | A | A | A | Closed | FCRE1204 | 2026-06-04 19:06 | 2026-06-10 12:42 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud report
provided - Due Diligence
Vendor-06/10/2026 Ready for Review-Hello Team, please see attached, thank you - Due Diligence Vendor-06/09/2026 Open-Provide an updated fraud report with all open alerts/high-level red flags fully addressed and/or cleared, as the current fraud report reflects unresolved alerts that do not meet GL Fraud Report requirements; additional conditions may apply upon review. - Due Diligence Vendor-06/04/2026 |
Resolved-Fraud report
provided - Due Diligence
Vendor-06/10/2026 |
Calculated DTI Is Less
Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of
40.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or
More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.81% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.19 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000133126 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000131947 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000131162 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000131258 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000126936 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 4000129352 | C | A | A | A | C | A | A | A | Closed | FCOM3500 | 2026-06-04 15:55 | 2026-06-15 08:31 | Resolved | 1 - Information | C | A | Compliance | Data | Verify Prepayment Penalty Type | Resolved- Email from Title
Company stating intent to re-record. -
Due Diligence Vendor-06/15/2026 Ready for Review-Hello Team, please see email confirmation that these docs will be re-recorded on Monday - Due Diligence Vendor-06/12/2026 Counter-page 1 re-record declaration or cover sheet stating the reason for the re-record and Email or other documentation from title confirming they will re-execute/re-record. - Due Diligence Vendor-06/12/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-06/11/2026 Open-Provide a corrected Prepayment Penalty Addendum to the Note and Deed of Trust Prepayment Penalty Rider reflecting the applicable prepayment penalty calculation, as the current documents do not include the required calculation details. The Closing Disclosure and Rate Lock confirm the loan includes a prepayment penalty; additional conditions may apply upon review. - Due Diligence Vendor-06/04/2026 |
Resolved- Email from Title
Company stating intent to re-record. -
Due Diligence Vendor-06/15/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - VALIDATED
Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty
(20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - VALIDATED Calculated DTI Of 30.06% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - VALIDATED Original LTV Of 61.24% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - VALIDATED Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.31 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - VALIDATED Months Reserves Of 40.04 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000129665 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000130062 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000128017 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000131946 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000130586 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000128089 | C | A | A | A | C | A | A | A | Closed | FCOM4227 | 2026-06-08 03:09 | 2026-06-18 01:56 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received,
data entered, no additional compliance findings. Thank you - Due Diligence
Vendor-06/18/2026 Ready for Review-ICD with disclosure tracking - Due Diligence Vendor-06/16/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-06/08/2026 |
Resolved-ICD received,
data entered, no additional compliance findings. Thank you - Due Diligence
Vendor-06/18/2026 |
Calculated DTI Is Less
Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of
40.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or
More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.08 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.99% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.62 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.50 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000131768 | D | A | D | A | A | A | A | A | Closed | FCRE1748 | 2026-06-08 16:08 | 2026-06-12 14:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Certificate of Occupancy is missing | Resolved-BUSINESS PURPOSE
& OCCUPANCY AFFIDAVIT provided -
Due Diligence Vendor-06/12/2026 Ready for Review-occ cert - Due Diligence Vendor-06/11/2026 Counter-subject property is an Investment purchase and an Occupancy Affidavit is needed. - Due Diligence Vendor-06/09/2026 Ready for Review-refer back to final inspection that meets fnma guidelines , this would be sufficient - Due Diligence Vendor-06/09/2026 Open-Certificate of Occupancy is missing - Due Diligence Vendor-06/08/2026 |
Resolved-BUSINESS PURPOSE
& OCCUPANCY AFFIDAVIT provided -
Due Diligence Vendor-06/12/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below
The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 929.17 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000131768 | D | A | D | A | A | A | A | A | Closed | FCRE1814 | 2026-06-04 07:09 | 2026-06-09 15:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Entity docs for
xxxprovided - Due Diligence
Vendor-06/09/2026 Ready for Review-LLC docs - Due Diligence Vendor-06/08/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN . - Due Diligence Vendor-06/04/2026 |
Resolved-Entity docs for
xxx & xxx provided - Due Diligence
Vendor-06/09/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below
The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 929.17 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000130422 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000128794 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000132376 | D | B | D | B | A | A | A | A | Closed | FCRE1143 | 2026-06-04 10:39 | 2026-06-22 15:29 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Builder is in control of HOA | Waived-Lender waiver for
builder in control on condo HOA - Due Diligence Vendor-06/22/2026 Ready for Review-Processor cert - Due Diligence Vendor-06/18/2026 Open-The Builder is in control of the HOA - Due Diligence Vendor-06/05/2026 |
Waived-Lender waiver for
builder in control on condo HOA - Due Diligence Vendor-06/22/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.64% Is
Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 150.31 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
Strong FICO of xxx LTV < xxx% |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxx | |||
| 4000132376 | D | B | D | B | A | A | A | A | Closed | FCRE1182 | 2026-06-04 13:22 | 2026-06-15 08:04 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting
Summary is fully present - Due Diligence Vendor-06/15/2026 Ready for Review-final loan approval - Due Diligence Vendor-06/12/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-06/04/2026 |
Resolved-1008/Underwriting
Summary is fully present - Due Diligence Vendor-06/15/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.64% Is
Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 150.31 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000132376 | D | B | D | B | A | A | A | A | Closed | FCRE1201 | 2026-06-04 13:01 | 2026-06-15 07:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud
Report is provided - Due Diligence Vendor-06/15/2026 Ready for Review-background reports - Due Diligence Vendor-06/12/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-06/04/2026 |
Resolved-Third Party Fraud
Report is provided - Due Diligence Vendor-06/15/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.64% Is
Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 150.31 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000132381 | D | A | D | A | D | A | A | A | Closed | FCRE1201 | 2026-06-08 07:19 | 2026-06-18 08:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud
Report is provided - Due Diligence Vendor-06/18/2026 Ready for Review-background reports - Due Diligence Vendor-06/17/2026 Open-Missing Third Party Fraud Report. Provide Fraud Report. - Due Diligence Vendor-06/08/2026 |
Resolved-Third Party Fraud
Report is provided - Due Diligence Vendor-06/18/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More
Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.05% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.21 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000132381 | D | A | D | A | D | A | A | A | Closed | FCRE1182 | 2026-06-08 08:04 | 2026-06-18 08:41 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting
Summary is fully present - Due Diligence Vendor-06/18/2026 Ready for Review-underwriting approval - Due Diligence Vendor-06/17/2026 Open-1008/Underwriting Summary Not Provided. Provide 1008 or Underwriting approval showing DSCR and loan terms as neither was provided at the time of review as required. - Due Diligence Vendor-06/08/2026 |
Resolved-1008/Underwriting
Summary is fully present - Due Diligence Vendor-06/18/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More
Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.05% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.21 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000132381 | D | A | D | A | D | A | A | A | Closed | FCRE1198 | 2026-06-08 08:04 | 2026-06-18 08:41 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves
of 33.21 are greater than or equal to Guideline Required Reserves of 3 - Due
Diligence Vendor-06/18/2026 Ready for Review-cash to close and reserves are coming from the proceeds from loan number xxx. final settlement attached. - Due Diligence Vendor-06/17/2026 Open-Audited Reserves of are less than Guideline Required Reserves of 3 - Due Diligence Vendor-06/08/2026 |
Resolved-Audited Reserves
of 33.21 are greater than or equal to Guideline Required Reserves of 3 - Due
Diligence Vendor-06/18/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More
Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.05% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.21 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000132381 | D | A | D | A | D | A | A | A | Closed | FCRE7000 | 2026-06-08 07:36 | 2026-06-18 08:39 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid
Assets Available for Close Resolved - Due Diligence Vendor-06/18/2026 Ready for Review-cash to close and reserves are coming from the proceeds from loan number xxx. final settlement attached. - Due Diligence Vendor-06/17/2026 Open-Total Liquid Assets Available for Close of $0 is less than Total Cash to Close xxx. Provide assets for cash to close xxx - Due Diligence Vendor-06/08/2026 |
Resolved-Total Liquid
Assets Available for Close Resolved - Due Diligence Vendor-06/18/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More
Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.05% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.21 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000132381 | D | A | D | A | D | A | A | A | Closed | FCOM1229 | 2026-06-08 07:09 | 2026-06-18 08:37 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved-The 1-4 Family
Rider is Present - Due Diligence Vendor-06/18/2026 Resolved-Within DOT - Due Diligence Vendor-06/18/2026 Ready for Review-Truly does not generate riders. Instead the language is written into the deed of trust. Please have condition cleared. - Due Diligence Vendor-06/17/2026 Open-1-4 Family Rider is Missing - Due Diligence Vendor-06/08/2026 |
Resolved-The 1-4 Family
Rider is Present - Due Diligence Vendor-06/18/2026 Resolved-Within DOT - Due Diligence Vendor-06/18/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More
Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.05% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.21 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | |||||
| 4000132381 | D | A | D | A | D | A | A | A | Closed | FCOM1224 | 2026-06-08 07:09 | 2026-06-18 08:37 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | Condo Rider is Missing | Resolved-The Condo Rider
is Present - Due Diligence Vendor-06/18/2026 Resolved-Within DOT para 38 - Due Diligence Vendor-06/18/2026 Ready for Review-Truly does not generate riders. Instead the language is written into the deed of trust. Please have condition cleared. - Due Diligence Vendor-06/17/2026 Open-Condo Rider is Missing - Due Diligence Vendor-06/08/2026 |
Resolved-The Condo Rider
is Present - Due Diligence Vendor-06/18/2026 Resolved-Within DOT para 38 - Due Diligence Vendor-06/18/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More
Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.05% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.21 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | |||||
| 4000132403 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000132732 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000132287 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 4000129142 | D | A | D | A | A | A | A | A | Closed | FCRE6019 | 2026-06-04 09:33 | 2026-06-12 13:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Valid DL
provided - Due Diligence
Vendor-06/12/2026 Ready for Review-Borrower's DL and Patriot Act Form provided. - Due Diligence Vendor-06/11/2026 Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-06/04/2026 |
Resolved-Valid DL
provided - Due Diligence
Vendor-06/12/2026 |
Calculated DTI Is Less
Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of %
Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.49% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 175.49 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127927 | D | A | D | A | C | A | A | A | Closed | FVAL1310 | 2026-06-05 02:27 | 2026-06-10 14:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire
is Provided - Due Diligence Vendor-06/10/2026 Ready for Review-We already provided the HOA CERT in the closed package. I kindly request to waive the condition. - Due Diligence Vendor-06/10/2026 Open-HOA Questionnaire Document status is Missing. Validated - Due Diligence Vendor-06/05/2026 |
Resolved-HOA Questionnaire
is Provided - Due Diligence Vendor-06/10/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.29% Is
Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000127927 | D | A | D | A | C | A | A | A | Closed | FCOM7353 | 2026-06-09 11:06 | 2026-06-10 13:37 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-Lender provided
LOS screenshot indicating Application date of xxx - Due Diligence
Vendor-06/10/2026 Ready for Review-Here you are. - Due Diligence Vendor-06/10/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-06/09/2026 |
Resolved-Lender provided
LOS screenshot indicating Application date of xxx - Due Diligence
Vendor-06/10/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.29% Is
Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000132400 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000124124 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000124127 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000126988 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000132514 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000128877 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000128552 | D | A | D | A | A | A | A | A | Closed | FCRE1482 | 2026-06-10 10:43 | 2026-06-12 14:17 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Asset 4 Meets
Guideline Requirements Or Not Applicable - Due Diligence Vendor-06/12/2026
Ready for Review-SALE PROCEEDS - Due Diligence Vendor-06/11/2026 Open-Missing supporting documentation for proceeds from sale IAO xxx - Due Diligence Vendor-06/10/2026 |
Resolved-Asset 4 Meets
Guideline Requirements Or Not Applicable - Due Diligence Vendor-06/12/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 27.27% Is
Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 133.44 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000128552 | D | A | D | A | A | A | A | A | Closed | FCRE1173 | 2026-06-05 02:49 | 2026-06-12 14:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | HO6 Master Insurance Policy is Missing | Resolved-HO-6 Master
Insurance Policy is fully present - Due Diligence Vendor-06/12/2026 Ready for Review-MASTER POLICY - Due Diligence Vendor-06/11/2026 Counter-Missing the "Master Policy" from the loan file. - Due Diligence Vendor-06/10/2026 Ready for Review-BORROWER POLICY - Due Diligence Vendor-06/09/2026 Open-Missing HO-6 Master Insurance Policy - Due Diligence Vendor-06/05/2026 |
Resolved-HO-6 Master
Insurance Policy is fully present - Due Diligence Vendor-06/12/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 27.27% Is
Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 133.44 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000124125 | D | A | A | A | A | A | D | A | Closed | FPRO8394 | 2026-06-05 14:08 | 2026-06-08 11:28 | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing Internal Appraisal Review | Resolved-AVM provided - Due Diligence Vendor-06/08/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-06/05/2026 Open-While an appraisal is on file, there is no third party review on file (AVM/CDA/CU/LCA). Please provide per guidelines requiring all loan files to have an appraisal review product if no second appraisal exists on file. - Due Diligence Vendor-06/05/2026 |
Resolved-AVM provided - Due Diligence Vendor-06/08/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More
Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.02 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000127521 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-06-08 13:44 | 2026-06-24 14:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved- - Due Diligence
Vendor-06/24/2026 Ready for Review-Please see attached docs for xxx - Due Diligence Vendor-06/23/2026 Open-Missing verification of insurance for non-subject property xxx - Due Diligence Vendor-06/08/2026 |
Borrower At Current
Residence For Five (5) Or More Years - Borrower At Current Residence For Five
(5) Or More Years - 9.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 128.67 Are Greater Than The Guideline Minimum Of 14 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.73 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.81 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 39 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.31% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | |||||
| 4000130670 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000130832 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000131430 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-06-09 14:04 | 2026-06-10 13:34 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-Lender provided
LOS screenshot indicating Application date of xxx. Thank you - Due Diligence
Vendor-06/10/2026 Ready for Review-Please see attached :) Thank you! - Due Diligence Vendor-06/10/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-06/09/2026 |
Resolved-Lender provided
LOS screenshot indicating Application date of xxx. Thank you - Due Diligence
Vendor-06/10/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.99% Is
Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.81 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.76 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000128277 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000132700 | C | A | C | A | C | A | A | A | Closed | FCRE7000 | 2026-06-08 01:17 | 2026-06-10 10:30 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid
Assets Available for Close Resolved - Due Diligence Vendor-06/10/2026 Ready for Review-Hello team, please see attached PCCD and final settlement statement reflecting that borrower's gift assets of xxx exceeds current updated cash to close of xxx, thank you. - Due Diligence Vendor-06/08/2026 Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx. Total of gift assets IAO xxx is less than Total Cash to Close xxx per the final CD on pg 70. Please provide sufficient assets covering the difference of xxx. - Due Diligence Vendor-06/08/2026 |
Resolved-Total Liquid
Assets Available for Close Resolved - Due Diligence Vendor-06/10/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Validated
Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty
(20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 50% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 30.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000126646 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000131740 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000133492 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000131600 | D | A | B | A | A | A | D | A | Closed | FPRO1244 | 2026-06-08 09:02 | 2026-06-22 16:08 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved- - Due Diligence
Vendor-06/22/2026 Ready for Review-xxx Report - Due Diligence Vendor-06/22/2026 Open-No valid 3rd party appraisal review product was uploaded to the file, though a xxx does appear to exist (only pg 5 is uploaded, pg 58/534 of the upload package). - Due Diligence Vendor-06/08/2026 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 90.05 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or
More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.75 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxx | |||||
| 4000131600 | D | A | B | A | A | A | D | A | Closed | FCRE1182 | 2026-06-08 03:29 | 2026-06-22 16:03 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting
Summary is fully present - Due Diligence Vendor-06/22/2026 Ready for Review-1008 - Due Diligence Vendor-06/22/2026 Open-1008/Underwriting Summary Not Provided 1008 is missing from the upload package, please provide - Due Diligence Vendor-06/08/2026 |
Resolved-1008/Underwriting
Summary is fully present - Due Diligence Vendor-06/22/2026 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 90.05 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or
More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.75 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000131031 | C | A | C | A | A | A | A | A | Closed | FCRE7000 | 2026-06-08 03:10 | 2026-06-12 07:50 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid
Assets Available for Close Resolved - Due Diligence Vendor-06/12/2026 Ready for Review-Hello team, please see attached PCCD and final settlement statement reflecting an updated cash to close of xxx; borrower's total liquid assets of xxx meets the required cash to close, thank you. - Due Diligence Vendor-06/10/2026 Open-Total Liquid Assets Available for Close ofxxx is less than Total Cash to Close xxx Final CD on file shows total cash to close of xxx required by client. Total Liquid Assets Available for Close of xxx is less than that total. Please provide proof client has additionalxxx in assets for reserves to cover the gap. - Due Diligence Vendor-06/08/2026 |
Resolved-Total Liquid
Assets Available for Close Resolved - Due Diligence Vendor-06/12/2026 |
Calculated DTI Is Less
Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of
41.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or
More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000129633 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000130425 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000129471 | C | A | A | A | C | A | A | A | Closed | FCOM4227 | 2026-06-08 06:10 | 2026-06-12 12:15 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-**Received ICD -
Due Diligence Vendor-06/12/2026 Ready for Review-ICD - Due Diligence Vendor-06/11/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-06/08/2026 |
Resolved-**Received ICD -
Due Diligence Vendor-06/12/2026 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | |||||
| 4000130128 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-06-08 06:34 | 2026-06-12 12:46 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD -
Due Diligence Vendor-06/12/2026 Ready for Review-Hello team, please see attached PCCD and final settlement statement, thank you. - Due Diligence Vendor-06/11/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The 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. The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-06/10/2026 Open- - Due Diligence Vendor-06/08/2026 |
Resolved-Received PCCD -
Due Diligence Vendor-06/12/2026 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 30.76 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or
More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - VALIDATED Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - VALIDATED Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - VALIDATED Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - VALIDATED Calculated DTI Of 21.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000131396 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000128127 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000133724 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-06-10 09:34 | 2026-06-11 08:06 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received
confirmation of the application date - Due Diligence Vendor-06/11/2026 Ready for Review-Please see attached :) Thank you! - Due Diligence Vendor-06/11/2026 Open-Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-06/10/2026 |
Resolved-***Received
confirmation of the application date - Due Diligence Vendor-06/11/2026 |
Borrower 1 Has Stable Job
Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job
Time Of Five (5) Or More Years At Current Job - 7.41 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000131153 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-06-09 08:20 | 2026-06-11 08:03 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received
confirmation of the application date - Due Diligence Vendor-06/11/2026 Ready for Review-Please see the attached App snip - Due Diligence Vendor-06/11/2026 Open-Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-06/09/2026 |
Resolved-***Received
confirmation of the application date - Due Diligence Vendor-06/11/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More
Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.90 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000131406 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000133808 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000130120 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000133784 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000133769 | D | A | D | A | A | A | A | A | Closed | FCRE1202 | 2026-06-09 00:38 | 2026-06-12 13:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud
Report is fully present - Due Diligence Vendor-06/12/2026 Ready for Review-Please see the attached fraud report - Due Diligence Vendor-06/12/2026 Open-Third Party Fraud Report Partially Provided - Due Diligence Vendor-06/09/2026 |
Resolved-Third Party Fraud
Report is fully present - Due Diligence Vendor-06/12/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More
Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.57% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.06 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000131392 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000128014 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-06-09 11:43 | 2026-06-29 20:12 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Client provided
updated closing/funding dates for xxx loan.
- Due Diligence Vendor-06/30/2026 Ready for Review-Please see the FSS to confirm the funding date - Due Diligence Vendor-06/26/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The 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. *******Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-06/10/2026 Open- - Due Diligence Vendor-06/10/2026 Open- - Due Diligence Vendor-06/10/2026 Open- - Due Diligence Vendor-06/09/2026 Open- - Due Diligence Vendor-06/09/2026 |
Resolved-Client provided
updated closing/funding dates for xxx loan.
- Due Diligence Vendor-06/30/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More
Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.32 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.33 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.42 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.14 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000128014 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-06-10 10:39 | 2026-06-11 08:02 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received
confirmation of the application date. - Due Diligence Vendor-06/11/2026 Ready for Review-Please see the attached App snip - Due Diligence Vendor-06/11/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-06/10/2026 |
Resolved-***Received
confirmation of the application date. - Due Diligence Vendor-06/11/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More
Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.32 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.33 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.42 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.14 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000131385 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-06-09 09:08 | 2026-06-16 08:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud
Report is provided - Due Diligence Vendor-06/16/2026 Ready for Review-Please see the attached Fraud report - Due Diligence Vendor-06/15/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-06/09/2026 |
Resolved-Third Party Fraud
Report is provided - Due Diligence Vendor-06/16/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.39 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.23 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.50 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000131881 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000129180 | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2026-06-10 03:07 | 2026-06-15 11:20 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting
Summary is fully present - Due Diligence Vendor-06/15/2026 Ready for Review-1008 - Due Diligence Vendor-06/12/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-06/10/2026 |
Resolved-1008/Underwriting
Summary is fully present - Due Diligence Vendor-06/15/2026 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 23.45 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or
More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000131266 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000129630 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000132095 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000131640 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000130966 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000132353 | D | A | D | A | A | A | A | A | Closed | FCRE1252 | 2026-06-11 09:06 | 2026-06-15 09:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document is Incomplete | Resolved-Title Document is
Provided And Complete - Due Diligence Vendor-06/15/2026 Ready for Review-Please see attached FTP. - Due Diligence Vendor-06/12/2026 Open-Title Document is Incomplete Provide title policy showing sufficient insurance coverage per loan amount xxx - Due Diligence Vendor-06/11/2026 |
Resolved-Title Document is
Provided And Complete - Due Diligence Vendor-06/15/2026 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 33.21 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or
More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.1% Is Less Than The Guideline Maximum Of 49.99% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000132652 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000131806 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000130313 | D | A | A | A | D | A | D | A | Closed | FCOM1232 | 2026-06-10 00:42 | 2026-06-11 11:27 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is
Present - Due Diligence Vendor-06/11/2026 Resolved- - Due Diligence Vendor-06/11/2026 Ready for Review-Please see attached. - Due Diligence Vendor-06/10/2026 Open-The Final 1003 is Missing Final 1003 missing from upload package - please provide - Due Diligence Vendor-06/10/2026 |
Resolved-The Final 1003 is
Present - Due Diligence Vendor-06/11/2026 |
Borrower 1 Has Stable Job
Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job
Time Of Five (5) Or More Years At Current Job - 18.43 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.03% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
VALIDATED | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | |||
| 4000130313 | D | A | A | A | D | A | D | A | Closed | FCOM1231 | 2026-06-10 00:42 | 2026-06-11 11:27 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003
is Present - Due Diligence Vendor-06/11/2026 Ready for Review-Please see attached. - Due Diligence Vendor-06/10/2026 Open-The Initial 1003 is Missing Initial 1003 missing from upload package - please provide - Due Diligence Vendor-06/10/2026 |
Resolved-The Initial 1003
is Present - Due Diligence Vendor-06/11/2026 |
Borrower 1 Has Stable Job
Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job
Time Of Five (5) Or More Years At Current Job - 18.43 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.03% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
VALIDATED | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | |||
| 4000130313 | D | A | A | A | D | A | D | A | Closed | FPRO1242 | 2026-06-10 01:05 | 2026-06-11 08:49 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has
been provided - Due Diligence Vendor-06/11/2026 Ready for Review-Please see attached. - Due Diligence Vendor-06/10/2026 Open-Appraisal is Missing 1004 Appraisal is missing - Due Diligence Vendor-06/10/2026 |
Resolved-Appraisal has
been provided - Due Diligence Vendor-06/11/2026 |
Borrower 1 Has Stable Job
Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job
Time Of Five (5) Or More Years At Current Job - 18.43 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.03% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000133494 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000127594 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000128936 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000131940 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000131590 | C | A | C | A | A | A | A | A | Closed | FCRE1204 | 2026-06-10 21:02 | 2026-06-12 12:58 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud report
provided - Due Diligence
Vendor-06/12/2026 Ready for Review-Hello team, please see attached fraud report reflecting all cleared alerts, thank you. - Due Diligence Vendor-06/11/2026 Open-Missing fraud report evidencing all alerts cleared per GL; all high-level alerts, red flags, and related findings must be addressed and/or resolved prior to closing. - Due Diligence Vendor-06/11/2026 |
Resolved-Fraud report
provided - Due Diligence
Vendor-06/12/2026 |
Borrower 1 Has Stable Time
In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In
Profession By Ten (10) Years Or More - 10.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000131537 | C | A | A | A | C | A | A | A | Closed | finding-3634 | 2026-06-10 14:40 | 2026-06-12 09:50 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Received COC -
Due Diligence Vendor-06/12/2026 Resolved- - Due Diligence Vendor-06/12/2026 Ready for Review-The COC was omitted due to a system error on our end. Please review the attached documentation below and kindly clear the condition accordingly. - Due Diligence Vendor-06/12/2026 Open-The following charges have been either added or increased: Loan Discount Fee resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/11/2026 Open- - Due Diligence Vendor-06/11/2026 Open- - Due Diligence Vendor-06/11/2026 Open- - Due Diligence Vendor-06/11/2026 Open- - Due Diligence Vendor-06/11/2026 Open- - Due Diligence Vendor-06/10/2026 Open- - Due Diligence Vendor-06/10/2026 Open- - Due Diligence Vendor-06/10/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-06/10/2026 Open- - Due Diligence Vendor-06/10/2026 |
Resolved-Received COC -
Due Diligence Vendor-06/12/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.06 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.05 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.7 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.47% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000131537 | C | A | A | A | C | A | A | A | Closed | finding-3631 | 2026-06-10 14:40 | 2026-06-12 09:50 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-Received COC -
Due Diligence Vendor-06/12/2026 Resolved- - Due Diligence Vendor-06/12/2026 Ready for Review-The COC was omitted due to a system error on our end. Please review the attached documentation below and kindly clear the condition accordingly. - Due Diligence Vendor-06/12/2026 Open-The following charges have been either added or increased: Loan Discount Fee resulting in a 0% tolerance cure in the amount of xxx Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount ofxxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/11/2026 Open- - Due Diligence Vendor-06/11/2026 Open- - Due Diligence Vendor-06/11/2026 Open- - Due Diligence Vendor-06/11/2026 Open- - Due Diligence Vendor-06/11/2026 Open- - Due Diligence Vendor-06/10/2026 Open- - Due Diligence Vendor-06/10/2026 Open- - Due Diligence Vendor-06/10/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-06/10/2026 Open- - Due Diligence Vendor-06/10/2026 |
Resolved-Received COC -
Due Diligence Vendor-06/12/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.06 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.05 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.7 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.47% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000131537 | C | A | A | A | C | A | A | A | Closed | finding-3632 | 2026-06-10 14:40 | 2026-06-12 09:50 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received COC -
Due Diligence Vendor-06/12/2026 Resolved- - Due Diligence Vendor-06/12/2026 Ready for Review-The COC was omitted due to a system error on our end. Please review the attached documentation below and kindly clear the condition accordingly. - Due Diligence Vendor-06/12/2026 Open-The following charges have been either added or increased: Loan Discount Fee resulting in a 0% tolerance cure in the amount of xxx Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/11/2026 Open- - Due Diligence Vendor-06/11/2026 Open- - Due Diligence Vendor-06/11/2026 Open- - Due Diligence Vendor-06/11/2026 Open- - Due Diligence Vendor-06/11/2026 Open- - Due Diligence Vendor-06/10/2026 Open- - Due Diligence Vendor-06/10/2026 Open- - Due Diligence Vendor-06/10/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-06/10/2026 Open- - Due Diligence Vendor-06/10/2026 |
Resolved-Received COC -
Due Diligence Vendor-06/12/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.06 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.05 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.7 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.47% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000131537 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-06-11 13:56 | 2026-06-12 09:15 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received
confirmation of the application date - Due Diligence Vendor-06/12/2026 Ready for Review-Please see attached :) Thank you! - Due Diligence Vendor-06/12/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-06/11/2026 |
Resolved-***Received
confirmation of the application date - Due Diligence Vendor-06/12/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.06 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.05 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.7 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.47% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000132703 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000130129 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000130833 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-06-10 02:57 | 2026-06-15 14:46 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-***Received PCCD
- Due Diligence Vendor-06/15/2026 Resolved- - Due Diligence Vendor-06/15/2026 Ready for Review-Hello team, please see attached PCCD and final settlement statement reflecting updated disbursement date, thank you. - Due Diligence Vendor-06/12/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The 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. *******Borrower executed documents onxxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-06/11/2026 Open- - Due Diligence Vendor-06/11/2026 Open- - Due Diligence Vendor-06/11/2026 Open- - Due Diligence Vendor-06/10/2026 Open- - Due Diligence Vendor-06/10/2026 |
Resolved-***Received PCCD
- Due Diligence Vendor-06/15/2026 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 7.14 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or
More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000131421 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000132307 | C | B | C | B | A | A | C | A | Closed | FCRE1199 | 2026-06-10 07:02 | 2026-06-19 16:02 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Lender exception
for loan amount - Due Diligence Vendor-06/19/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-06/18/2026 Counter-per Directive, xxx guidelines and matrix to be used. Max Loan amount per matric is xxx - Due Diligence Vendor-06/15/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-06/12/2026 Open-Audited Loan Amount of xxxis greater than the Guideline Maximum Loan Amount of xxx loan amount was approved at xxx; however, this exceeds the Investor Guideline maximum loan amount of xxx. As a result, the loan is ineligible under current program requirements. Provide evidence of eligibility under the applicable investor guidelines.; additional conditions may apply upon review. - Due Diligence Vendor-06/10/2026 |
Waived-Lender exception
for loan amount - Due Diligence Vendor-06/19/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.42 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.01 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.95% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Reserves FICO LTV Residual income Appraisal value > purchase price |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxx | |||
| 4000132307 | C | B | C | B | A | A | C | A | Closed | FVAL2477 | 2026-06-11 15:56 | 2026-06-15 14:06 | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-Errors &
Omissions (E&O) insurance policy provided
- Due Diligence Vendor-06/15/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-06/12/2026 Open-Provide an updated Errors & Omissions (E&O) insurance policy for Appraiser xxx xxx evidencing active coverage through the appraisal effective date of xxx, as the E&O policy currently provided expired on xxx; additional conditions may apply upon review. - Due Diligence Vendor-06/11/2026 |
Resolved-Errors &
Omissions (E&O) insurance policy provided
- Due Diligence Vendor-06/15/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.42 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.01 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.95% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000129123 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 4000129223 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000132356 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000132355 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000128826 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000134060 | D | A | D | A | A | A | D | A | Closed | FPRO1244 | 2026-06-12 10:15 | 2026-06-15 08:38 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-UCDP
provided - Due Diligence
Vendor-06/15/2026 Ready for Review-UCDP scores are below 2.5. Desk review is not required. - Due Diligence Vendor-06/12/2026 Open-Missing 3rd Party Valuation Product - Due Diligence Vendor-06/12/2026 |
Resolved-UCDP
provided - Due Diligence
Vendor-06/15/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More
Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.61 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 104.36 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000134060 | D | A | D | A | A | A | D | A | Closed | FCRE2109 | 2026-06-10 23:05 | 2026-06-15 08:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet
or Bank Statement Summary Provided - Due Diligence Vendor-06/15/2026 Ready for Review-Please see attached. - Due Diligence Vendor-06/11/2026 Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-06/11/2026 |
Resolved-Lender Worksheet
or Bank Statement Summary Provided - Due Diligence Vendor-06/15/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More
Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.61 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 104.36 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000133638 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000130808 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000130185 | B | B | B | B | A | A | A | A | Closed | FCRE3874 | 2026-06-11 01:22 | 2026-06-12 14:20 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Exception to allow
property designated as an agricultural property in zoning section of the
appraisal report. - Due Diligence Vendor-06/12/2026 Open-Exception to allow property designated as an agricultural property in zoning section of the appraisal report. - Due Diligence Vendor-06/12/2026 |
Waived-Exception to allow
property designated as an agricultural property in zoning section of the
appraisal report. - Due Diligence Vendor-06/12/2026 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 58.65 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or
More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.11% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.88% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25 Years |
Comp Factors: - LTV 63.87% - Reserves 6 mos - Credit score xxx |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxx | ||||
| 4000130621 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000133240 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000128847 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000129879 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000134212 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000131059 | D | A | D | A | A | A | A | A | Closed | FCRE1241 | 2026-06-11 01:35 | 2026-06-16 08:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract
Issue Resolved - Due Diligence Vendor-06/16/2026 Ready for Review-Please see the attached RPA - Due Diligence Vendor-06/15/2026 Open-Purchase Contract Is Missing Purchase contract was not uploaded with the rest of the upload package. Please provide. - Due Diligence Vendor-06/11/2026 |
Resolved-Purchase Contract
Issue Resolved - Due Diligence Vendor-06/16/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More
Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.08 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000130468 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000130816 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000131418 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000134063 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000132313 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000130123 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000130134 | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2026-06-12 02:36 | 2026-06-26 13:37 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting
Summary is fully present - Due Diligence Vendor-06/26/2026 Ready for Review-Please see Final UW 1008 - Due Diligence Vendor-06/26/2026 Open-1008/Underwriting Summary Not Provided Missing 1008 - Due Diligence Vendor-06/12/2026 |
Resolved-1008/Underwriting
Summary is fully present - Due Diligence Vendor-06/26/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.99% Is
Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 150.2 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000131235 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000133493 | C | A | C | A | A | A | A | A | Closed | FCRE1204 | 2026-06-12 16:01 | 2026-06-15 14:32 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud report
provided - Due Diligence
Vendor-06/15/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-06/12/2026 Open-Missing fraud report evidencing all alerts cleared per GL; all high-level alerts, red flags, and related findings must be addressed and/or resolved prior to closing. - Due Diligence Vendor-06/12/2026 |
Resolved-Fraud report
provided - Due Diligence
Vendor-06/15/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More
Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.45 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000134062 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000127778 | D | A | D | A | C | A | A | A | Closed | FCRE2371 | 2026-06-12 13:53 | 2026-06-15 14:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing final HUD-1 from sale of non-subject property | Resolved-Property report
provided - Due Diligence
Vendor-06/15/2026 Ready for Review-Hello, please see attached the PP showing the borrower sold property xxx already. Thank you - Due Diligence Vendor-06/12/2026 Open-Evidence that REO property located at xxx has been sold (e.g., Closing Disclosure, Settlement Statement, recorded deed, or other acceptable proof of sale). The file reflects the property as no longer owned by the borrower; however, supporting sale documentation is missing. This impacts the accuracy of the borrower's REO schedule and qualification. Additional conditions may apply upon review. - Due Diligence Vendor-06/12/2026 |
Resolved-Property report
provided - Due Diligence
Vendor-06/15/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More
Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 58.59% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 41.47 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000127778 | D | A | D | A | C | A | A | A | Closed | FCRE1202 | 2026-06-12 13:47 | 2026-06-15 14:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Fraud report
provided - Due Diligence
Vendor-06/15/2026 Ready for Review-Hello, please see attached, thank you - Due Diligence Vendor-06/12/2026 Open-Missing fraud report evidencing all alerts cleared per GL; all high-level alerts, red flags, and related findings must be addressed and/or resolved prior to closing. - Due Diligence Vendor-06/12/2026 |
Resolved-Fraud report
provided - Due Diligence
Vendor-06/15/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More
Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 58.59% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 41.47 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000127778 | D | A | D | A | C | A | A | A | Closed | finding-47 | 2026-06-12 06:35 | 2026-06-15 13:50 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-**Received PCCD -
Due Diligence Vendor-06/15/2026 Resolved- - Due Diligence Vendor-06/15/2026 Ready for Review-Hello team, please see attached PCCD and final settlement statement reflecting updated disbursement date, thank you! - Due Diligence Vendor-06/12/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The 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. ******* Borrower executed documents on xxxPlease provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-06/12/2026 Open- - Due Diligence Vendor-06/12/2026 Open- - Due Diligence Vendor-06/12/2026 |
Resolved-**Received PCCD -
Due Diligence Vendor-06/15/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More
Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 58.59% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 41.47 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000130044 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000132823 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000127629 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000131159 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000127509 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000130396 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000130614 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000130965 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000129095 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000130827 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000131328 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000131226 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000128721 | D | A | D | A | A | A | A | A | Closed | FCRE1814 | 2026-06-16 10:31 | 2026-06-25 12:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Docs received -
Due Diligence Vendor-06/25/2026 Ready for Review-Please see attached the 100% ownership of a newer company, which was formed prior to closing documents. - Due Diligence Vendor-06/24/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN - Due Diligence Vendor-06/16/2026 |
Resolved-Docs received -
Due Diligence Vendor-06/25/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.7% Is
Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.42 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 347.53 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000132389 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000132354 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 4000133108 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000133088 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000131371 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000132704 | C | A | A | A | C | A | A | A | Closed | FCOM2276 | 2026-06-16 08:04 | 2026-06-18 01:48 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-PCCD received,
data entered, no additional compliance findings. Thank you - Due Diligence
Vendor-06/18/2026 Ready for Review-Hello team, please see attached PCCD and final settlement statement reflecting updated disbursement date, thank you. - Due Diligence Vendor-06/16/2026 Open-Borrower executed documents on xxx, after Final Closing Disclosure Disbursement date of xxx. Please provide Post Consummation Closing Disclosure with actual disbursement date. - Due Diligence Vendor-06/16/2026 |
Resolved-PCCD received,
data entered, no additional compliance findings. Thank you - Due Diligence
Vendor-06/18/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.4% Is
Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000132305 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000132516 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000133444 | D | A | D | A | A | A | A | A | Closed | FCRE1173 | 2026-06-15 01:24 | 2026-06-19 09:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | HO6 Master Insurance Policy is Missing | Resolved- - Due Diligence
Vendor-06/19/2026 Ready for Review-Hello team, please see attached master insurance showing 'xxx' coverage, thank you. - Due Diligence Vendor-06/17/2026 Open-Missing HO-6 Master Insurance Policy . Provide Master Insurance policy from xxx showing “xxx” coverage for property located at xxx Subject to review and possible additional conditions. - Due Diligence Vendor-06/15/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The
Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.86% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.13 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | |||||
| 4000133249 | C | A | C | A | A | A | A | A | Closed | FCRE7000 | 2026-06-15 03:47 | 2026-06-18 13:51 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid
Assets Available for Close Resolved - Due Diligence Vendor-06/18/2026 Resolved- - Due Diligence Vendor-06/18/2026 Ready for Review-Hello team, please see attached PCCD and final settlement statement reflecting updated cash to close of xxx and borrower has total verified gift funds of xxx meeting the required cash to close, please waive this condition, thank you. - Due Diligence Vendor-06/16/2026 Open-Total Liquid Assets Available for Close ofxxx is less than Total Cash to Closexxx. Document sufficient funds to close. Verified gift funds total xxx. This is insufficient because the Closing Disclosure reflects total required funds of xxx, resulting in an xxx shortage. The impact on the loan is that funds available do not fully support the cash-to-close requirement per program guidelines; additional conditions may apply upon review. - Due Diligence Vendor-06/15/2026 |
Resolved-Total Liquid
Assets Available for Close Resolved - Due Diligence Vendor-06/18/2026 |
Calculated DTI Is Less
Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of
40.77% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or
More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.35 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000133249 | C | A | C | A | A | A | A | A | Closed | FCRE1204 | 2026-06-16 11:36 | 2026-06-18 13:39 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-docs provided -
Due Diligence Vendor-06/18/2026 Ready for Review-Hello team, please see attached fraud report reflecting all cleared alerts, thank you. - Due Diligence Vendor-06/16/2026 Open-Missing fraud report evidencing all alerts cleared per GL; all high-level alerts, red flags, and related findings must be addressed and/or resolved prior to closing. - Due Diligence Vendor-06/16/2026 |
Resolved-docs provided -
Due Diligence Vendor-06/18/2026 |
Calculated DTI Is Less
Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of
40.77% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or
More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.35 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000133115 | C | A | C | A | A | A | A | A | Closed | FCRE1204 | 2026-06-16 15:22 | 2026-06-18 13:33 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-docs provided -
Due Diligence Vendor-06/18/2026 Ready for Review-Hello team, please see attached fraud report reflecting all cleared alerts, thank you. - Due Diligence Vendor-06/16/2026 Open-Missing fraud report evidencing all alerts cleared per GL; all high-level alerts, red flags, and related findings must be addressed and/or resolved prior to closing. - Due Diligence Vendor-06/16/2026 |
Resolved-docs provided -
Due Diligence Vendor-06/18/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More
Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.79 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000132622 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000129697 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 4000132364 | D | A | D | A | A | A | A | A | Closed | FCRE1198 | 2026-06-17 11:42 | 2026-06-19 09:54 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves
of 21.64 are greater than or equal to Guideline Required Reserves of 6 - Due
Diligence Vendor-06/19/2026 Resolved- - Due Diligence Vendor-06/19/2026 Ready for Review-Proceeds referenced are from the concurrent refi of xxx. Please see attached FSS. - Due Diligence Vendor-06/17/2026 Open-Audited Reserves of are less than Guideline Required Reserves of 6 per Final 1003 reflects there is a newly refinanced Property xxxusing the C/O from this Property iao of xxx- supporting documentation for these funds are missing from the Loan file - Due Diligence Vendor-06/17/2026 |
Resolved-Audited Reserves
of 21.64 are greater than or equal to Guideline Required Reserves of 6 - Due
Diligence Vendor-06/19/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below
The Guideline Maximum Of 75% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000132364 | D | A | D | A | A | A | A | A | Closed | FCRE7000 | 2026-06-17 11:44 | 2026-06-19 09:53 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid
Assets Available for Close Resolved - Due Diligence Vendor-06/19/2026 Ready for Review-Proceeds referenced are from the concurrent refi of xxx Please see attached FSS. - Due Diligence Vendor-06/17/2026 Open-Insufficient Total Liquid Assets Available for Close Final 1003 states there is a newly refinanced Property located at xxxusing the C/O from this Property iao of xxx - supporting documentation for these funds are missing from the Loan file - Due Diligence Vendor-06/17/2026 |
Resolved-Total Liquid
Assets Available for Close Resolved - Due Diligence Vendor-06/19/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below
The Guideline Maximum Of 75% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000132364 | D | A | D | A | A | A | A | A | Closed | FCRE9959 | 2026-06-15 14:29 | 2026-06-17 11:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing final closing disclosure/settlement statement/equivalent | Resolved-Final Settlement
Statement/equivalent Provided - Due Diligence Vendor-06/17/2026 Ready for Review-Please see attached. - Due Diligence Vendor-06/16/2026 Open-Missing Final Settlement Statement/equivalent - Due Diligence Vendor-06/15/2026 |
Resolved-Final Settlement
Statement/equivalent Provided - Due Diligence Vendor-06/17/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below
The Guideline Maximum Of 75% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000132362 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000133311 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000129020 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000130793 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000131867 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 4000130405 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000130642 | B | B | B | B | A | A | A | A | Closed | FCRE1200 | 2026-06-15 14:57 | 2026-06-17 11:19 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception approved
with compensating factors to allow for a loan amount of xxx which is less
than the guideline minimum of xxx - Due Diligence Vendor-06/17/2026 Open-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx - Guidelines state minimum loan amount of xxx. - Due Diligence Vendor-06/15/2026 |
Waived-Exception approved
with compensating factors to allow for a loan amount of xxx which is less
than the guideline minimum of xxx. - Due Diligence Vendor-06/17/2026 |
Borrower At Current
Residence For Five (5) Or More Years - Borrower At Current Residence For Five
(5) Or More Years - 9.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 117.38 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
Good FICO Strong DSCR of 1.39 Professional Investor |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxx | ||||
| 4000132275 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000133575 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000132617 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000131993 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000133363 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000131355 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000131479 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000132637 | D | A | A | A | D | A | A | A | Closed | FCOM1232 | 2026-06-16 01:12 | 2026-06-17 08:40 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is
Present - Due Diligence Vendor-06/17/2026 Ready for Review-Please see attached. - Due Diligence Vendor-06/16/2026 Open-The Final 1003 is Missing from the upload package. Please provide - Due Diligence Vendor-06/16/2026 |
Resolved-The Final 1003 is
Present - Due Diligence Vendor-06/17/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More
Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 38.95% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.91% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000130336 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 4000131060 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000132377 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000133087 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000132369 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000134127 | C | A | A | A | C | A | A | A | Closed | FCOM8845 | 2026-06-15 22:13 | 2026-06-18 09:02 | Resolved | 1 - Information | C | A | Compliance | State Reg | Prepayment Penalty charged on Business Purpose loan where State Does not permit. | Resolved-PPP allowed in DE
- Due Diligence Vendor-06/18/2026 Ready for Review-this is not valid - …this is business purpose and therefore the definitions of mortgage loan does not include this type of transaction thus it doesn’t apply to restrict the PPP. - Seller-06/17/2026 Open-The subject property's state, xxx, does not allow pre-payment penalties for Business Purpose loans. Updated as per note document. - Due Diligence Vendor-06/16/2026 |
Ready for Review-this is not valid - …this is business
purpose and therefore the definitions of mortgage loan does not include this
type of transaction thus it doesn’t apply to restrict the PPP. - Seller-06/17/2026 |
Resolved-PPP allowed in DE
- Due Diligence Vendor-06/18/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More
Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.26 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000134129 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000129676 | D | A | D | A | C | A | A | A | Closed | FCOM2276 | 2026-06-16 07:44 | 2026-06-30 12:55 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-**Received PCCD -
Due Diligence Vendor-06/30/2026 Ready for Review-Please see the attached FSS & POST CD reflecting disbursement date xxx. Thank you! - Due Diligence Vendor-06/28/2026 Open-******* Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-06/16/2026 |
Resolved-**Received PCCD -
Due Diligence Vendor-06/30/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.55 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.26 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Disbursement date is before Closing date | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxxxx | |||
| 4000129676 | D | A | D | A | C | A | A | A | Closed | FCRE1158 | 2026-06-16 01:27 | 2026-06-22 15:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Policy provided -
Due Diligence Vendor-06/22/2026 Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/22/2026 Ready for Review-Please see the attached Insurance Policy. Thank you! - Due Diligence Vendor-06/22/2026 Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. - Due Diligence Vendor-06/16/2026 |
Resolved-Policy provided -
Due Diligence Vendor-06/22/2026 Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/22/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.55 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.26 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000128829 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000131282 | C | A | C | A | A | A | A | A | Closed | FCRE1193 | 2026-06-16 17:16 | 2026-06-25 13:17 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of
51.87% is less than or equal to Guideline DTI of 55% - Due Diligence Vendor-06/25/2026 Ready for Review-. - Due Diligence Vendor-06/25/2026 Ready for Review-Rebuttal: xxx disagrees, states the DTI is within guidelines of max 55% with a xxx fico score. - Due Diligence Vendor-06/25/2026 Open-Audited DTI of 51.87% exceeds Guideline DTI of 50% - missing Lender Approved Exception Form. - Due Diligence Vendor-06/16/2026 |
Resolved-Audited DTI of
51.87% is less than or equal to Guideline DTI of 55% - Due Diligence Vendor-06/25/2026 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 16.77 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or
More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.5 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000131808 | B | B | B | B | A | A | A | A | Closed | FCRE1194 | 2026-06-17 13:26 | 2026-06-17 14:57 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Declining Market
requires 5% reduction in LTV. Max LTV for Interest only is 75%. We are
requesting an exception to allow this loan to stay at 75% LTV instead of 70%
LTV - Due Diligence Vendor-06/17/2026 Open-Declining Market requires 5% reduction in LTV. Max LTV for Interest only is 75%. We are requesting an exception to allow this loan to stay at 75% LTV instead of 70% LTV - Due Diligence Vendor-06/17/2026 |
Waived-Declining Market
requires 5% reduction in LTV. Max LTV for Interest only is 75%. We are
requesting an exception to allow this loan to stay at 75% LTV instead of 70%
LTV - Due Diligence Vendor-06/17/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More
Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.94 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
Comp Factors: - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxx | ||||
| 4000133451 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000131089 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000131564 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000133397 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000133194 | D | A | D | A | A | A | A | A | Closed | FCRE1748 | 2026-06-18 11:23 | 2026-06-23 11:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Certificate of Occupancy is missing | Resolved-BUSINESS PURPOSE
& OCCUPANCY AFFIDAVIT provided - Due Diligence Vendor-06/23/2026 Ready for Review-Please see attached - Due Diligence Vendor-06/22/2026 Open-Missing Certificate of Occupancy - Due Diligence Vendor-06/18/2026 |
Resolved-BUSINESS PURPOSE
& OCCUPANCY AFFIDAVIT provided - Due Diligence Vendor-06/23/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 75% Is Below The Guideline Maximum Of 8075% By Ten Percent (10%) Or More | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000131636 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000128870 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000128487 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 4000134639 | D | A | D | A | A | A | A | A | Closed | FCRE1469 | 2026-06-17 13:39 | 2026-06-18 07:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided
Or Not Applicable - Due Diligence Vendor-06/18/2026 Ready for Review-Please see attached final CD and note for xxx The Heloc funds from xxx is already in the file - also attached. - Due Diligence Vendor-06/17/2026 Open-Asset 3 Missing Missing verification of proceeds from secured loans in the amount of xxx - Due Diligence Vendor-06/17/2026 |
Resolved-Asset 3 Provided
Or Not Applicable - Due Diligence Vendor-06/18/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More
Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 66.76 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000133242 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000129067 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000134105 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000133117 | D | A | D | A | A | A | A | A | Closed | FCRE2000 | 2026-06-18 10:26 | 2026-06-22 14:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Incomplete or Unexecuted Purchase Contract | Resolved-Purchase Contract
Issue Resolved - Due Diligence Vendor-06/22/2026 Ready for Review-Hello team, please see attached escrow amendment as it can be used as support for purchase contract in xxx showing final sales price for subject property, thank you. - Due Diligence Vendor-06/18/2026 Open-Purchase Contract is Partial copy. Provide complete purchase contract showing final sales price for subject property. - Due Diligence Vendor-06/18/2026 |
Resolved-Purchase Contract
Issue Resolved - Due Diligence Vendor-06/22/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - VALIDATED Original LTV Of
70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - VALIDATED Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - VALIDATED Months Reserves Of 10.51 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - VALIDATED Borrower At Current Residence For Five (5) Or More Years - 11.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000133116 | C | A | C | A | A | A | A | A | Closed | FCRE7000 | 2026-06-17 02:27 | 2026-06-22 15:23 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid
Assets Available for Close Resolved - Due Diligence Vendor-06/22/2026 Ready for Review-Hello team, please see attached PCCD and final settlement statement reflecting an updated total cash to close of xxx; borrower has verified assets of xxx meeting the required cash to close, please waive this condition, thank you. - Due Diligence Vendor-06/18/2026 Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx. Required assest is xxx - Due Diligence Vendor-06/17/2026 |
Resolved-Total Liquid
Assets Available for Close Resolved - Due Diligence Vendor-06/22/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below
The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000131899 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000132809 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000132513 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000122601 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000130659 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000132731 | D | A | A | A | A | A | D | A | Closed | FPRO1244 | 2026-06-18 14:41 | 2026-06-22 14:41 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-UCDP
provided - Due Diligence
Vendor-06/22/2026 Ready for Review-UCDP's - Due Diligence Vendor-06/18/2026 Open-xxx provided in file are for the property address: xxx. Provide 3rd party valuation for the subject property. - Due Diligence Vendor-06/18/2026 Open-xxx provided in file are for the property address: xxx. Provide 3rd party valuation for the subject property. - Due Diligence Vendor-06/18/2026 |
Resolved-UCDP
provided - Due Diligence
Vendor-06/22/2026 |
Borrower At Current
Residence For Five (5) Or More Years - Borrower At Current Residence For Five
(5) Or More Years - 7.75 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.77 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000132358 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000133094 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000132824 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000133796 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000133821 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000133118 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000131804 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000132804 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000131063 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-06-18 18:14 | 2026-06-19 08:21 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received
confirmation of the application date - Due Diligence Vendor-06/19/2026 Ready for Review-Please find attached LOS audit log - Due Diligence Vendor-06/18/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-06/18/2026 |
Resolved-***Received
confirmation of the application date - Due Diligence Vendor-06/19/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More
Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.26% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000135111 | B | B | B | B | A | A | A | A | Closed | FCRE4369 | 2026-06-18 12:25 | 2026-06-18 12:25 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Mortgage/Rental lates exceed guidelines | Waived-March mortgage
payment wasn't paid on time. Exception granted pg 373 No specific comp factors listed - approved/signed xxx - Due Diligence Vendor-06/18/2026 |
Waived-March mortgage
payment wasn't paid on time. Exception granted pg 373 No specific comp factors listed - approved/signed xxx - Due Diligence Vendor-06/18/2026 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 42.06 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or
More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxx | |||||
| 4000134252 | A | A | A | A | A | A | A | A | Closed | FCRE1204 | 2026-06-18 20:14 | 2026-06-29 20:01 | Resolved | 1 - Information | A | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Client provided
feedback for how alerts were cleared.
- Due Diligence Vendor-06/30/2026 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-06/30/2026 Open-Missing fraud report evidencing all alerts cleared per GL; all high-level alerts, red flags, and related findings must be addressed and/or resolved prior to closing. - Due Diligence Vendor-06/19/2026 |
Resolved-Client provided
feedback for how alerts were cleared.
- Due Diligence Vendor-06/30/2026 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 9.33 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or
More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000135146 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000135143 | A | A | A | A | A | A | A | A | Closed | FCRE7497 | 2026-06-18 22:38 | 2026-06-29 20:33 | Resolved | 1 - Information | A | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Divorce decree
provided shows property belongs to ex-spouse. - Due Diligence
Vendor-06/30/2026 Ready for Review-property is decreed to ex-spouse in divorce. - Due Diligence Vendor-06/30/2026 Open-Obtain documentation for xxx and the related REO property. The credit report reflects a monthly mortgage payment of xxx; however, the file does not contain supporting REO details. The impact on the loan is that the associated real estate liability cannot be validated and qualifying DTI may be inaccurate. - Due Diligence Vendor-06/19/2026 |
Resolved-Divorce decree
provided shows property belongs to ex-spouse. - Due Diligence
Vendor-06/30/2026 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 25.37 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or
More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.25% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000130760 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000133981 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000131025 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000132907 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000131261 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000133657 | D | A | A | A | D | A | A | A | Closed | FCOM1232 | 2026-06-18 06:11 | 2026-06-24 09:13 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is
Present - Due Diligence Vendor-06/24/2026 Resolved- - Due Diligence Vendor-06/24/2026 Ready for Review-Please see final 1003 - Due Diligence Vendor-06/23/2026 Open-The Final 1003 is Missing - Due Diligence Vendor-06/18/2026 |
Resolved-The Final 1003 is
Present - Due Diligence Vendor-06/24/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.32% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000134272 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000135147 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000132572 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000131561 | C | A | A | A | C | A | A | A | Closed | FCOM2276 | 2026-06-18 10:24 | 2026-06-26 14:51 | Resolved | 1 - Information | A | A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-***Received PCCD
- Due Diligence Vendor-06/26/2026 Ready for Review-Please find attached. Disbursement date is xxx POST CD is provided accordingly. - Due Diligence Vendor-06/24/2026 Open-*******Borrower executed documents on xxx. After Final Closing Disclosure Disbursement date of xxx. Please provide Post Consummation Closing Disclosure with actual disbursement date. - Due Diligence Vendor-06/18/2026 |
Resolved-***Received PCCD
- Due Diligence Vendor-06/26/2026 |
Calculated DTI Is Less
Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of
24.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or
More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.50 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000134578 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000135145 | D | A | D | A | A | A | A | A | Closed | FCRE1157 | 2026-06-19 12:06 | 2026-06-24 08:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance
Policy is fully present - Due Diligence Vendor-06/24/2026 Ready for Review-Hello team, please see attached EOI that reflects updated insurance carrier name for the policy, please waive this condition, thank you. - Due Diligence Vendor-06/23/2026 Counter-Document Uploaded. The HOI Policy provided is missing the xxxfrom the Policy - Due Diligence Vendor-06/23/2026 Ready for Review-Hello team, please see attached hazard insurance for subject property, please waive this condition, thank you. - Due Diligence Vendor-06/22/2026 Open-Missing Hazard Insurance Policy Provide complete missing HO-3 policy for the subject property at xxx- Due Diligence Vendor-06/19/2026 |
Resolved-Hazard Insurance
Policy is fully present - Due Diligence Vendor-06/24/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.81% Is
Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000135145 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-06-19 14:19 | 2026-06-23 08:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage
Statement (2nd Home) provided - Due
Diligence Vendor-06/23/2026 Ready for Review-Hello team, please see attached mortgage statement highlighting PITI for non-subject property xxx, thank you. - Due Diligence Vendor-06/22/2026 Open-Provide proof of taxes, HOI and or HOA cost for 2nd home xxx - Due Diligence Vendor-06/19/2026 |
Resolved-Mortgage
Statement (2nd Home) provided - Due
Diligence Vendor-06/23/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.81% Is
Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000135145 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-06-18 12:49 | 2026-06-23 08:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud
Report is provided - Due Diligence Vendor-06/23/2026 Ready for Review-Hello team, please see attached fraud report reflecting all cleared alerts, thank you. - Due Diligence Vendor-06/22/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-06/18/2026 |
Resolved-Third Party Fraud
Report is provided - Due Diligence Vendor-06/23/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.81% Is
Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000130607 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000130456 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000133714 | D | A | D | A | A | A | A | A | Closed | FCRE1157 | 2026-06-18 02:51 | 2026-06-23 12:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance
Policy is fully present - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. - Buyer-06/22/2026 Open-Missing Hazard Insurance Policy - Per Guidelines: INSURANCE REQUIREMENTS - DSCR • Landlord dwelling policy only. • Liability insurance equal to or greater than xxx • Rent loss coverage equal to 6 months of qualifying rent. Additional reserves equal to the rent loss coverage may be used in place of the rent loss coverage on the landlord policy. This reserve requirement is in addition to any other reserve requirements. • DSCR condominiums- require 1mm in liability coverage on the master policy of insurance and rent loss coverage is not required - Due Diligence Vendor-06/18/2026 |
Resolved-Hazard Insurance
Policy is fully present - Due Diligence Vendor-06/23/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 233.83 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000134250 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000133381 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000131435 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000134273 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000134503 | C | A | C | A | A | A | A | A | Closed | FCRE7810 | 2026-06-22 12:43 | 2026-06-23 11:05 | Resolved | 1 - Information | C | A | Credit | Title | Title issue | Resolved-Updated Title
Supplement removing Line #xxx provided
- Due Diligence Vendor-06/23/2026 Ready for Review-Hello team, please see attached title supplement detailing that item #xxx has been eliminated from preliminary title report, please waive this condition, thank you. - Due Diligence Vendor-06/22/2026 Open-Title provided in file is vested inxxx Trustee of the xxxsubject to Item No. xxx Provide updated Title with correct borrower vesting. - Due Diligence Vendor-06/22/2026 |
Resolved-Updated Title
Supplement removing Line #12 provided
- Due Diligence Vendor-06/23/2026 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 1313.97 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or
More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 56.72% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000135127 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000133786 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-06-19 18:38 | 2026-06-22 21:39 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-Lender provided
LOS screenshot indicating Application date of xxx - Due Diligence
Vendor-06/23/2026 Ready for Review-Please see attached :) Thank you! - Due Diligence Vendor-06/22/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-06/19/2026 |
Resolved-Lender provided
LOS screenshot indicating Application date of xxx - Due Diligence
Vendor-06/23/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000133245 | D | A | D | A | A | A | A | A | Closed | FCRE9959 | 2026-06-19 01:46 | 2026-06-23 08:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing final closing disclosure/settlement statement/equivalent | Resolved-Final Settlement
Statement/equivalent Provided - Due Diligence Vendor-06/23/2026 Ready for Review-Attached are the CD package(s) and receipts/ledger in lieu of the FSS. - Due Diligence Vendor-06/22/2026 Open-Missing Final Settlement Statement/equivalent - Due Diligence Vendor-06/19/2026 |
Resolved-Final Settlement
Statement/equivalent Provided - Due Diligence Vendor-06/23/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000132587 | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2026-06-19 03:13 | 2026-06-22 15:59 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting
Summary is fully present - Due Diligence Vendor-06/22/2026 Ready for Review-1008 - Due Diligence Vendor-06/22/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-06/19/2026 |
Resolved-1008/Underwriting
Summary is fully present - Due Diligence Vendor-06/22/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.59 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000134650 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000134121 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000134169 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000133801 | C | A | A | A | C | A | A | A | Closed | FCOM2276 | 2026-06-19 05:31 | 2026-06-22 21:48 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-PCCD provided,
thank you - Due Diligence Vendor-06/23/2026 Ready for Review-Please see the attached PCCD - Due Diligence Vendor-06/23/2026 Open-Final CD disbursement date xxx closing date or consummation date xxx which is after the disbursement date so unable to run compliance ease. Please provide PCCD with the updated disbursement date on or after the consummation date xxx. - Due Diligence Vendor-06/19/2026 |
Resolved-PCCD provided,
thank you - Due Diligence Vendor-06/23/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.57 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.99 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000133801 | C | A | A | A | C | A | A | A | Closed | finding-3712 | 2026-06-19 05:31 | 2026-06-22 21:46 | Resolved | 1 - Information | C | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-PCCD provided,
thank you - Due Diligence Vendor-06/23/2026 Ready for Review-Please see the attached PD - Due Diligence Vendor-06/22/2026 Open-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan xxx) exceeds the per diem interest charge or credit threshold xxx).PLEASE NOTE: An additional xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. **** Please provide the xxx Per Diem Disclosure for review - Due Diligence Vendor-06/20/2026 Open- - Due Diligence Vendor-06/20/2026 Open- - Due Diligence Vendor-06/19/2026 |
Resolved-PCCD provided,
thank you - Due Diligence Vendor-06/23/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.57 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.99 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000133801 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-06-19 05:27 | 2026-06-22 21:40 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-Lender provided
LOS screenshot indicating Application date of xxx - Due Diligence
Vendor-06/23/2026 Ready for Review-Please see the attached app snip - Due Diligence Vendor-06/23/2026 Open-“Documentation provided does not include confirmation of the borrower’s application date. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you. - Due Diligence Vendor-06/19/2026 |
Resolved-Lender provided
LOS screenshot indicating Application date of xxx - Due Diligence
Vendor-06/23/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.57 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.99 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000133787 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000132020 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000131730 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000131427 | D | A | D | A | A | A | A | A | Closed | FCRE1241 | 2026-06-19 02:10 | 2026-06-24 07:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract
Issue Resolved - Due Diligence Vendor-06/24/2026 Ready for Review-Here you are. - Due Diligence Vendor-06/24/2026 Open-Purchase Contract Is Missing - Due Diligence Vendor-06/19/2026 |
Resolved-Purchase Contract
Issue Resolved - Due Diligence Vendor-06/24/2026 |
Borrower 1 Has Stable Job
Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job
Time Of Five (5) Or More Years At Current Job - 16.15 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.17 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000132482 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000131618 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000129632 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 4000130762 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000134177 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000127397 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000129867 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000133443 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-06-23 15:24 | 2026-06-26 15:10 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-**Received PCCD -
Due Diligence Vendor-06/26/2026 Ready for Review-Hello team, please see attached PCCD and final settlement statement reflecting updated disbursement date, please waive this condition, thank you. - Due Diligence Vendor-06/24/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The 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. - Due Diligence Vendor-06/23/2026 Open- - Due Diligence Vendor-06/23/2026 |
Resolved-**Received PCCD -
Due Diligence Vendor-06/26/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.42% Is
Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000131788 | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2026-06-22 14:41 | 2026-06-23 14:05 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting
Summary is fully present - Due Diligence Vendor-06/23/2026 Ready for Review-1008 - Due Diligence Vendor-06/23/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-06/22/2026 |
Resolved-1008/Underwriting
Summary is fully present - Due Diligence Vendor-06/23/2026 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 156.91 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or
More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.50 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000129465 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000133837 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000132517 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000135358 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000135374 | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2026-06-22 15:38 | 2026-06-24 08:09 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance
Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or
Hazard Insurance Effective Date Is Not Provided - Due Diligence
Vendor-06/24/2026 Ready for Review-Please note that the actual disbursement/funding date wasxxx. Therefore, the property was covered by hazard insurance prior to loan funding. Please re-review and clear the condition. - Due Diligence Vendor-06/24/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxxand Note date of xxx - Due Diligence Vendor-06/22/2026 |
Resolved-Hazard Insurance
Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or
Hazard Insurance Effective Date Is Not Provided - Due Diligence
Vendor-06/24/2026 |
Borrower 1 Has Stable Job
Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job
Time Of Five (5) Or More Years At Current Job - 10.87 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.38 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000135363 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-06-23 10:49 | 2026-06-26 10:09 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-**Received
confirmation of the application date - Due Diligence Vendor-06/26/2026 Ready for Review-Please see the attached App snip - Due Diligence Vendor-06/24/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-06/23/2026 |
Resolved-**Received
confirmation of the application date - Due Diligence Vendor-06/26/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More
Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.2% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000135363 | C | A | A | A | C | A | A | A | Closed | FCOM1797 | 2026-06-22 16:42 | 2026-06-26 10:08 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-**Received SSPL -
Due Diligence Vendor-06/26/2026 Ready for Review-Please see the attached SPL - Due Diligence Vendor-06/24/2026 Open-Service Provider List is Missing. - Due Diligence Vendor-06/22/2026 |
Resolved-**Received SSPL -
Due Diligence Vendor-06/26/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More
Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.2% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000135363 | C | A | A | A | C | A | A | A | Closed | finding-3631 | 2026-06-22 16:39 | 2026-06-26 10:05 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-**Received SSPL -
Due Diligence Vendor-06/26/2026 Ready for Review-Please see the attached Section C tolerance guideline. PCCD and FSS isn't available since it's wet state. Please confirm and advise if you need further information. - Due Diligence Vendor-06/24/2026 Open-****The recording and creditor list charges disclosed to the borrower in the Initial Loan Estimate total xxx, establishing a 10% baseline of xxx. Final charges to borrower xxx 10% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/23/2026 Open- - Due Diligence Vendor-06/23/2026 Open- - Due Diligence Vendor-06/22/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-06/22/2026 Open- - Due Diligence Vendor-06/22/2026 |
Resolved-**Received SSPL -
Due Diligence Vendor-06/26/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More
Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.2% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000135363 | C | A | A | A | C | A | A | A | Closed | finding-3632 | 2026-06-22 16:39 | 2026-06-26 10:05 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-**Received SSPL -
Due Diligence Vendor-06/26/2026 Ready for Review-Please see the attached xxx. PCCD and FSS isn't available since it's wet state. Please confirm and advise if you need further information. - Due Diligence Vendor-06/24/2026 Open-****The recording and creditor list charges disclosed to the borrower in the Initial Loan Estimate total xxx, establishing a 10% baseline of xxx. Final charges to borrower xxx. 10% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/23/2026 Open- - Due Diligence Vendor-06/23/2026 Open- - Due Diligence Vendor-06/22/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-06/22/2026 Open- - Due Diligence Vendor-06/22/2026 |
Resolved-**Received SSPL -
Due Diligence Vendor-06/26/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More
Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.2% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000135363 | C | A | A | A | C | A | A | A | Closed | finding-3635 | 2026-06-22 16:39 | 2026-06-26 10:05 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-**Received SSPL -
Due Diligence Vendor-06/26/2026 Ready for Review-Please see the attached Sectionxxx. PCCD and FSS isn't available since it's wet state. Please confirm and advise if you need further information. - Due Diligence Vendor-06/24/2026 Open-****The recording and creditor list charges disclosed to the borrower in the Initial Loan Estimate total xxx, establishing a 10% baseline of xxx. Final charges to borrower xxx. 10% tolerance cure in the amount of xxxis required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/23/2026 Open- - Due Diligence Vendor-06/23/2026 Open- - Due Diligence Vendor-06/22/2026 Open-This loan failed the charges that in total cannot increase more than 10% 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 10% (xxx) exceed the comparable charges (xxx) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% 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 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-06/22/2026 Open- - Due Diligence Vendor-06/22/2026 |
Resolved-**Received SSPL -
Due Diligence Vendor-06/26/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More
Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.2% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000133815 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-06-23 22:47 | 2026-06-26 08:12 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-**received
confirmation of the application date - Due Diligence Vendor-06/26/2026 Ready for Review-Here you are. - Due Diligence Vendor-06/25/2026 Open- - Due Diligence Vendor-06/24/2026 |
Resolved-**received
confirmation of the application date - Due Diligence Vendor-06/26/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.11 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.18 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.17% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000134704 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000135695 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-06-23 10:56 | 2026-06-24 07:52 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received
confirmation of the application date - Due Diligence Vendor-06/24/2026 Ready for Review-Please see the attached system image reflecting application date xxx. Thank you! - Due Diligence Vendor-06/24/2026 Open- Documentation provided does not include confirmation of the borrowers application date. (LO signature date is only the date the LO acknowledged the URLA, not the date the lender received the 6 pieces of information required to trigger the application timing) A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-06/23/2026 |
Resolved-***Received
confirmation of the application date - Due Diligence Vendor-06/24/2026 |
Borrower 1 Has Stable Time
In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In
Profession By Ten (10) Years Or More - 25.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.15 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.74 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.88% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxx | ||||
| 4000135365 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-06-23 11:36 | 2026-06-24 07:47 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received
confirmation of the application date - Due Diligence Vendor-06/24/2026 Ready for Review-Please see attached :) Thank you! - Due Diligence Vendor-06/24/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-06/23/2026 |
Resolved-***Received
confirmation of the application date - Due Diligence Vendor-06/24/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000135515 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000135397 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-06-23 11:59 | 2026-06-24 08:15 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received
confirmation of the application date. - Due Diligence Vendor-06/24/2026 Ready for Review-Please see the attached App snip - Due Diligence Vendor-06/24/2026 Open-Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-06/23/2026 |
Resolved-***Received
confirmation of the application date. - Due Diligence Vendor-06/24/2026 |
Borrower At Current
Residence For Five (5) Or More Years - Borrower At Current Residence For Five
(5) Or More Years - 16.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.75 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.88 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000135500 | C | A | C | A | A | A | A | A | Closed | FCRE9488 | 2026-06-23 06:44 | 2026-06-24 13:35 | Resolved | 1 - Information | C | A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-updated 1003
showing borrower does not intend to occupy received. - Due Diligence Vendor-06/24/2026 Ready for Review-Please find attached 1003 updated. - Due Diligence Vendor-06/23/2026 Open-Potential Occupancy issue identified. Final 1003 Declarations Section 5a states "Borrower intends to occupy property, but the occupancy is showing investment property. Provide corrected 1003 showing accurate occupancy or file will need to be underwritten as a Owner Occupied" - Due Diligence Vendor-06/23/2026 |
Resolved-updated 1003
showing borrower does not intend to occupy received. - Due Diligence Vendor-06/24/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is
Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying
FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or
More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 24.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 31.23 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000135400 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000131559 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2026-06-22 19:06 | 2026-06-30 11:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap
Credit Report is not missing. - Due Diligence Vendor-06/30/2026 Resolved- - Due Diligence Vendor-06/30/2026 Ready for Review-Here you are. - Due Diligence Vendor-06/30/2026 Counter-per Guidelines: Credit refresh is required no more than 10 days prior to loan closing or at any time after closing. Missing Credit Refresh report. - Due Diligence Vendor-06/25/2026 Ready for Review-Here you are. - Due Diligence Vendor-06/25/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-06/22/2026 |
Resolved-Borrower 1 Gap
Credit Report is not missing. - Due Diligence Vendor-06/30/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.35 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.34 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.57% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000131572 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-06-23 19:56 | 2026-06-24 07:56 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received
confirmation of the application date - Due Diligence Vendor-06/24/2026 Ready for Review-Please see the attached App snip - Due Diligence Vendor-06/24/2026 Open- - Due Diligence Vendor-06/23/2026 |
Resolved-***Received
confirmation of the application date - Due Diligence Vendor-06/24/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More
Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000135396 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000131028 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000135508 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-06-23 15:01 | 2026-06-24 07:49 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received
confirmation of the application date - Due Diligence Vendor-06/24/2026 Ready for Review-Here you are. - Due Diligence Vendor-06/24/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-06/23/2026 |
Resolved-***Received
confirmation of the application date - Due Diligence Vendor-06/24/2026 |
Borrower 1 Has Stable Job
Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job
Time Of Five (5) Or More Years At Current Job - 5.43 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 68.97% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000132614 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 4000131382 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2026-06-23 13:24 | 2026-06-29 10:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap
Credit Report is not missing. - Due Diligence Vendor-06/29/2026 Ready for Review-Please see the attached Credit Refresh and inquiry LOE. Thank you! - Due Diligence Vendor-06/28/2026 Open-Borrower 1 Gap Credit Report is Missing Provide missing credit refresh report dated within 10 business days prior to note date or after per guidelines. - Due Diligence Vendor-06/23/2026 |
Resolved-Borrower 1 Gap
Credit Report is not missing. - Due Diligence Vendor-06/29/2026 |
Calculated DTI Is Less
Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of
42.73% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or
More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.14 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000135381 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-06-23 09:29 | 2026-06-29 11:52 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-***Received PCCD
- Due Diligence Vendor-06/29/2026 Ready for Review-Sorry for the inconvenience. Disbursement date is xxx Attached are the revised POST CD and FSS, email confirmation from Escrow to support the disbursement date. - Due Diligence Vendor-06/25/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The 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. ***The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-06/24/2026 Open- - Due Diligence Vendor-06/24/2026 Open- - Due Diligence Vendor-06/24/2026 Open- - Due Diligence Vendor-06/23/2026 Open- - Due Diligence Vendor-06/23/2026 Open- - Due Diligence Vendor-06/23/2026 Open- - Due Diligence Vendor-06/23/2026 |
Resolved-***Received PCCD
- Due Diligence Vendor-06/29/2026 |
Calculated DTI Is Less
Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of
23.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or
More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.36 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 29.54% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.25 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.44 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000135505 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000131397 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000135501 | C | A | C | A | C | A | A | A | Closed | FCOM7353 | 2026-06-23 12:35 | 2026-06-24 08:15 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received
confirmation of the application date. - Due Diligence Vendor-06/24/2026 Ready for Review-Here you are. - Due Diligence Vendor-06/24/2026 Open- Documentation provided does not include confirmation of the borrowers application date. (LO signature date is only the date the LO acknowledged the URLA, not the date the lender received the 6 pieces of information required to trigger the application timing) A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-06/23/2026 |
Resolved-***Received
confirmation of the application date. - Due Diligence Vendor-06/24/2026 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 8.24 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or
More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000135501 | C | A | C | A | C | A | A | A | Closed | FCRE1168 | 2026-06-23 00:43 | 2026-06-24 08:12 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and/or the Replacement Cost Estimator Value Provided by the Insurer | Resolved-Hazard Insurance
Coverage Amount ofxxx is equal to or greater than the Subject Lien or
replacement cost value of xxx - Due Diligence Vendor-06/24/2026 Ready for Review-The EOI seems to provide sufficient coverage for the RCE amount. Please review and waive the condition. - Due Diligence Vendor-06/24/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxxHazard Insurance Coverage and Replacement Cost Estimator was Provided - Due Diligence Vendor-06/23/2026 |
Resolved-Hazard Insurance
Coverage Amount of xxx is equal to or greater than the Subject Lien or
replacement cost value of xxx - Due Diligence Vendor-06/24/2026 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 8.24 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or
More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000135357 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-06-23 13:46 | 2026-06-24 07:47 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received
confirmation of the application date - Due Diligence Vendor-06/24/2026 Ready for Review-Please see attached:) Thank you! - Due Diligence Vendor-06/24/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-06/23/2026 |
Resolved-***Received
confirmation of the application date - Due Diligence Vendor-06/24/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000135379 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-06-23 12:20 | 2026-06-24 07:49 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-***Received
confirmation of the application date - Due Diligence Vendor-06/24/2026 Ready for Review-Here you are. - Due Diligence Vendor-06/24/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-06/23/2026 |
Resolved-***Received
confirmation of the application date - Due Diligence Vendor-06/24/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.35 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.35 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxx | ||||
| 4000128816 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000132524 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-06-23 14:46 | 2026-06-25 11:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA statements
provided for both properties - Due Diligence Vendor-06/25/2026 Ready for Review-hoa docs - Due Diligence Vendor-06/25/2026 Open-Missing HOA fees for the following properties: xxx. - Due Diligence Vendor-06/23/2026 |
Resolved-HOA statements
provided for both properties - Due Diligence Vendor-06/25/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 1035.31 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.51% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000133734 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||
| 4000130618 | D | A | D | A | A | A | A | A | Closed | FCRE9959 | 2026-06-23 06:24 | 2026-06-25 16:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing final closing disclosure/settlement statement/equivalent | Resolved-HUD1 received -
Due Diligence Vendor-06/25/2026 Resolved-Final Settlement Statement/equivalent Provided - Due Diligence Vendor-06/25/2026 Ready for Review-Settlement Statement - Due Diligence Vendor-06/24/2026 Open-Missing Final Settlement Statement/equivalent No HUD-1 settlement statement or final CD on file, so cash to close ofxxx is being used from the initial CD on file pg 78 (no issue date, PI info missing, prelim cd but with cash to close numbers that are more up to date than 1003). - Due Diligence Vendor-06/23/2026 |
Resolved-HUD1 received -
Due Diligence Vendor-06/25/2026 Resolved-Final Settlement Statement/equivalent Provided - Due Diligence Vendor-06/25/2026 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More
Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.98 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000131391 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000133633 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000133442 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000134132 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000134103 | D | A | D | A | A | A | A | A | Closed | FCRE1764 | 2026-06-24 09:54 | 2026-06-26 03:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Lender provided
HELOC statement with 0 balance - Due Diligence Vendor-06/26/2026 Ready for Review-Document Uploaded. - Seller-06/25/2026 Open-Missing REO xxx mortgage statement with monthly payment. - Due Diligence Vendor-06/24/2026 |
Ready for Review-Document Uploaded. - Seller-06/25/2026 |
Resolved-Lender provided
HELOC statement with 0 balance - Due Diligence Vendor-06/26/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 977.79 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.29% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | |||
| 4000134103 | D | A | D | A | A | A | A | A | Closed | FCRE9959 | 2026-06-24 09:56 | 2026-06-26 03:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing final closing disclosure/settlement statement/equivalent | Resolved-Lender provided
evidence property has been sold. - Due
Diligence Vendor-06/26/2026 Ready for Review-Document Uploaded. - Seller-06/25/2026 Open-Missing evidence of sold property xxx Due Diligence Vendor-06/24/2026 |
Ready for Review-Document Uploaded. - Seller-06/25/2026 |
Resolved-Lender provided
evidence property has been sold. - Due
Diligence Vendor-06/26/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 977.79 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.29% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | |||
| 4000128063 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000133615 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000132651 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000134251 | D | A | D | A | A | A | A | A | Closed | FCRE1241 | 2026-06-24 05:57 | 2026-06-26 03:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract
Issue Resolved - Due Diligence Vendor-06/26/2026 Ready for Review-Hello team, please see attached B/S Escrow Instructions as this can be used as supplement for purchase contract in xxx, please waive this condition, thank you. - Due Diligence Vendor-06/25/2026 Open-Purchase Contract Is Missing - Due Diligence Vendor-06/24/2026 |
Resolved-Purchase Contract
Issue Resolved - Due Diligence Vendor-06/26/2026 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 18.89 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or
More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 25% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000133616 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000136041 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000133651 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000133843 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-06-25 15:18 | 2026-06-26 08:10 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-*received
confirmation of the application date - Due Diligence Vendor-06/26/2026 Ready for Review-Please find attached. - Due Diligence Vendor-06/26/2026 Open-*****Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-06/25/2026 |
Resolved-*received
confirmation of the application date - Due Diligence Vendor-06/26/2026 |
Borrower 1 Has Stable Time
In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In
Profession By Ten (10) Years Or More - 16.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.25 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.73% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 61.54% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | ||||
| 4000134932 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000129255 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000131725 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000132618 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000133092 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000133089 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000135158 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000135132 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000133428 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000132017 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000132578 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 4000135465 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000133440 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000130829 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000130155 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000132398 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000135153 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000135247 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000133122 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000128931 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000134118 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000135249 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000135155 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000133098 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000135159 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000135126 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000135157 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000136103 | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2026-07-05 22:00 | 2026-07-10 11:15 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-update - Due Diligence Vendor-07/10/2026 Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date ofxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-07/10/2026 Ready for Review-Document Uploaded. - Seller-07/09/2026 Open-Hazard Insurance Effective Date of xxxis after the Disbursement Date of xxx - Due Diligence Vendor-07/06/2026 |
Ready for Review-Document Uploaded. - Seller-07/09/2026 |
Resolved-update - Due Diligence Vendor-07/10/2026 Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-07/10/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By
Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The
Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 599.96 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxx | |||
| 4000135239 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000134115 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000136761 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 4000134111 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |