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| Exception Detail | ||||||||||||||||||||||||||||||||||
| Run Date - 08/28/2026 12:47:03 PM | ||||||||||||||||||||||||||||||||||
| Evolve Loan ID | Customer Loan ID | Seller Loan ID | Loan Exception ID | Exception ID | Exception Date | Exception Type | Exception Category | Exception Subcategory | Exception | Exception Detail | Exception Information | Exception Remediation | Compensating Factors | Follow-up Comments | Cleared Date | Cured Date | Waived Date | Exception Level Grade | Exception Level Rating | Note Date | Property State | Occupancy | Purpose | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Final Loan Grade | Compliance Initial Loan Grade | Compliance Final Loan Grade | Property Initial Loan Grade | Property Final Loan Grade | Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| XXXXXXXXXX | 6000079114 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID LE- Need re-disclosed LE within 3 days of change of circumstance | XXXX is missing re-disclosed XX within X days of X/X lock. XXXXXX provide. | Information provided | 06/02/2022 | A | 1 | XXXXXXXXXX | TX | 1 | 13 | D | A | D | A | C | A | A | A | Non-QM | 1 | |||||||
| XXXXXXXXXX | 6000079114 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. | Information provided | 06/02/2022 | A | 1 | XXXXXXXXXX | TX | 1 | 13 | D | A | D | A | C | A | A | A | Non-QM | 1 | ||||||||
| XXXXXXXXXX | 6000079114 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXX lender's XXXXX XXXXXXXXXXX XXXXXXXX is missing from the loan file. | XXXX and XXXXXX XXXX approval provided | 06/03/2022 | A | 1 | XXXXXXXXXX | TX | 1 | 13 | D | A | D | A | C | A | A | A | Non-QM | 1 | |||||||
| XXXXXXXXXX | 6000079114 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX | Credit | UW Other | UW Other - UW - Initial/Final 1003 incomplete/missing | XXX XXXXX XXXX application that is borrower-signed at the date of XXXXXXX on X/XX/XXXX is missing from the loan file. | Information provided | 06/09/2022 | A | 1 | XXXXXXXXXX | TX | 1 | 13 | D | A | D | A | C | A | A | A | Non-QM | 1 | |||||||
| XXXXXXXXXXXXXX | 4000084487 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXXX require senior management approval for loan amounts greater than XXXXXXX | Compensating XXXXXXXXX XXX years self-employment; XXXXX scores XXXX and XXXXX credit paid as agreed; XXXXXXX in savings. | 08/01/2025 | B | 2 | XXXXXXXXXX | UT | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| XXXXXXXXXXXXXX | 4000098374 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | The subject property is a condominium and the HOA is in litigation which requires client approval. | The client waived with compensating factors: The reserves are $xxxxx9 or 55 months and the required reserves are 6 months. The FICO is 753 and the minimum FICO is 660. The residual income is $xxxxxand the required residual income is $xxx | 10/23/2025 | B | 2 | XXXXXXXXXX | FL | 2 | 1 | C | B | A | A | A | A | C | B | Safe Harbor QM (APOR) | 1 | |||||||
| XXXXXXXXXXXXXX | 4000102671 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX credit report is missing from the loan file. XXXX credit review is on hold until documents are received. | Credit report received | 11/18/2025 | A | 1 | XXXXXXXXXX | KY | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| XXXXXXXXXXXXXX | 4000102671 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX occupancy rate must be > XXXX XXXXXXXXXXXXX require sr. management approval) XXXX occupancy rate per XXXXXXXXX | Exception approval received. XXXXXXXXXXXXX XXXXXXXX - XXXXXX of XXXXX minimum score XXXXX reserves XXX months-over minimum of XX months, experienced investor | 11/20/2025 | B | 2 | XXXXXXXXXX | KY | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| XXXXXXXXXXXXXX | 4000102671 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXX term rental income documented for less than XXX months is permitted with senior management approval. XXXXXXXXXXX approval not documented. | Exception approval received for XXXX less than XXX months. XXXXXXXXXXXXX XXXXXXXX - XXXXXX of XXXXX minimum score XXXXX reserves XXX months-over minimum of XX months, experienced investor | 11/20/2025 | B | 2 | XXXXXXXXXX | KY | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| XXXXXXXXXXXXXX | 4000114338 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX properties are not eligible for refinance. XXXXXXXXX in file allowing vacant property due to recent renovations. | Client waived with compensating factors: XXXXXXX score XXXX when minimum requirement is XXXXX XXXXXXXX credit history, experienced investor, XXX months reserve when the minimum requirement is XX months. | 02/03/2026 | B | 2 | XXXXXXXXXX | AL | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| XXXXXXXXXXXXXX | 4000116307 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | Application | Application - Completed, signed, initial application for all applicant not in file | Please provide initial application. | Information provided | Reviewer 03/19/2026 02:52 PM; No documentation provided |
03/20/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 3 | D | A | D | A | C | A | C | A | Safe Harbor QM (APOR) | 1 | ||||||
| XXXXXXXXXXXXXX | 4000116307 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | Flood Certificate | Flood Certificate - is missing. | Please provide XXXXXX XXXXXXXXXXXXX | Information provided | 03/17/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 3 | D | A | D | A | C | A | C | A | Safe Harbor QM (APOR) | 1 | |||||||
| XXXXXXXXXXXXXX | 4000116307 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | The XXXXXXX and XXXXX XXXXXXXXXXX XXXXXX XXXXXXXX XXXXX XXXXXXXXXXXXX XXXXXX XXXXXXXX XXXXXXXX XXXX letter, XXXXXXX used for XXXXXXXXXX XXXXXXX XXXX and XXXX are missing from the loan file. XXXX credit review is on hold until documents are received. | Docs received | 03/16/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 3 | D | A | D | A | C | A | C | A | Safe Harbor QM (APOR) | 1 | |||||||
| XXXXXXXXXXXXXX | 4000116307 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Fraud Alert documentation | A fraud report with all high and medium alerts cleared was not provided. | Received fraud report with alerts cleared | 03/19/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 3 | D | A | D | A | C | A | C | A | Safe Harbor QM (APOR) | 1 | |||||||
| XXXXXXXXXXXXXX | 4000116307 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Approval | UW Approval - UW Approval - 1008 or 92900 LT missing | A XXXXX was not provided. | Received XXXX | 03/19/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 3 | D | A | D | A | C | A | C | A | Safe Harbor QM (APOR) | 1 | |||||||
| XXXXXXXXXXXXXX | 4000116307 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Profit and Loss required | Guidelines for the XXXXXXX and XXXXX documentation program require a XXX month profit and loss statement be provided. XXX X | Received X | 03/19/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 3 | D | A | D | A | C | A | C | A | Safe Harbor QM (APOR) | 1 | |||||||
| XXXXXXXXXXXXXX | 4000116307 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Documents Expired | The XXXX letter is XXXX days prior to the note date. XXXXXXXXXXX allow for a XXX day period. XXXXXXXX updated XXXX letter with all qualifying information required. | Received revised XXXX letter | 03/19/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 3 | D | A | D | A | C | A | C | A | Safe Harbor QM (APOR) | 1 | |||||||
| XXXXXXXXXXXXXX | 4000116307 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Valuation | UW Collateral TPR | UW Collateral TPR - UW - Second collateral evaluation is required. | Provide secondary valuation as XXX score was not determined. XXXXXXXXXXXXXX an invoice for a XXXX was included in the file which reflected a XXXX was completed. XXXXXXXX XXXXX | Received XXX | 03/19/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 3 | D | A | D | A | C | A | C | A | Safe Harbor QM (APOR) | 1 | |||||||
| XXXXXXXXXXXXXX | 4000116307 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Shorts Funds for Reserves | Guidelines for the XXXXXXXXX XXXXXX XXXXX loan program require a minimum of XX months reserves. XXX reserves were provided by the borrower. | CU statement provided XXXXXXXX XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXXXXX XXXXXXXXX months reserves) | 03/24/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 3 | D | A | D | A | C | A | C | A | Safe Harbor QM (APOR) | 1 | |||||||
| XXXXXXXXXXXXXX | 4000116307 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID LE- Initial LE not disclosed within 3 days of Application | Missing initial XXX issued within XX days of application date XXXXXX | Information provided | 03/31/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 3 | D | A | D | A | C | A | C | A | Safe Harbor QM (APOR) | 1 | |||||||
| XXXXXXXXXXXXXX | 4000116307 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID LE- Other | Missing XXXXXXXX provider list issued within XX days of application date XXX | Information provided | 03/31/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 3 | D | A | D | A | C | A | C | A | Safe Harbor QM (APOR) | 1 | |||||||
| XXXXXXXXXXXXXX | 4000121191 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Fraud XXXXXXX with all high and medium alerts clear missing from the file. | Received XXXXXX report with cleared alerts | 04/02/2026 | A | 1 | XXXXXXXXXX | CA | 3 | 3 | D | A | D | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| XXXXXXXXXXXXXX | 4000121191 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete VOE | VVOE within XXX days of close missing from the file. | Received XXX XXXX XXXX | 04/02/2026 | A | 1 | XXXXXXXXXX | CA | 3 | 3 | D | A | D | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| XXXXXXXXXXXXXX | 4000122786 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Requirements for Program | XXXXXXXXXXXXXX XXXXX XXXXX requires XX XXXXXXXXXXXXX XXXXXXXXX year history, XXXXXXXXX has XX tradelines and less than a XX year history. XXXXXXXXXX XXXXXXXXX from senior management in file allowing for XX tradelines and less than XX year history. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXXXX reserves when only XXXXXXXX required, and XXXX fico score where the minimum required is XXX | 04/23/2026 | B | 2 | XXXXXXXXXX | CA | 3 | 3 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| XXXXXXXXXXXXXX | 4000127507 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX XXXXXXXXXXX approval for XXXXX time investor purchasing short term rental with a XXXX XXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXX fico score where the minimum required is XXXXX XXXXX of XXXXXX where the minimum required is XXXX | Reviewer 04/30/2026 09:24 AM; |
04/30/2026 | B | 2 | XXXXXXXXXX | AZ | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| XXXXXXXXXXXXXX | 4000125530 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | XXX tolerance violation for addition of XXXXXXX XXXXXXX XXXXXXX XXXX without a valid XXXXXX XXXXXX tolerance violation of XXXXXXXXXX XX refund in the amount of XXXXXXXX along with XXXXX XXXX lox to borrower, copy of refund check and proof of delivery required within XXX days from consummation date of XXXXXXXXXXX | Information provided | 04/27/2026 | A | 1 | XXXXXXXXXX | HI | 2 | 13 | C | A | A | A | C | A | A | A | Non-QM | 1 | |||||||
| XXXXXXXXXXXXXX | 4000125530 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. | Information provided | 04/27/2026 | A | 1 | XXXXXXXXXX | HI | 2 | 13 | C | A | A | A | C | A | A | A | Non-QM | 1 | ||||||||
| XXXXXXXXXXXXXX | 4000125530 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Compliance | Disclosure | Disclosure - Other: | XXXXXXXXX is located XXX disaster area no certificate in bundles image | Information provided | Reviewer 04/27/2026 10:34 AM; Please provide disaster cert |
05/01/2026 | A | 1 | XXXXXXXXXX | HI | 2 | 13 | C | A | A | A | C | A | A | A | Non-QM | 1 | ||||||
| XXXXXXXXXXXXXX | 4000129314 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Compliance | Note | Note - Other: | Loan approval and closing disclosure indicate loan has an interest only period of XXXX months. XXXXXXXX payment confirms interest only period. XXXXX does not reflect an XXX period. XXXXXXX provide corrected XXXXX with XXX period, signed by XXXXXXXXXXX | Information provided | 06/11/2026 | A | 1 | XXXXXXXXXX | NJ | 1 | 13 | C | A | A | A | C | A | A | A | Non-QM | 1 | |||||||
| XXXXXXXXX | 4000132384 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | Guidelines require a XXXXXXXXX XXXXXXXXXX to be completed by the XXXXXXXXXXX XX blank signed XXXXXXXXXX form was included in the file. XXX information was completed by the XXXXXXXXX as required. | Client waived with compensating XXXXXXXXX XXXXX XXXXX XXXX XXXXX excellent credit | 06/09/2026 | B | 2 | XXXXXXXXXX | NY | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| XXXXXXXXX | 4000132384 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | Guidelines require a XXXXXXXXX XXXXXXXXXX to be completed by the XXXXXXXXXXX XXXX file contained a signed, but not completed XXXXXXXXX XXXXXXXXXXXX XXX information pertaining to the XXXXXXXXXXXXXX business was completed. | Received completed business narrative | 06/10/2026 | A | 1 | XXXXXXXXXX | NY | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| XXXXXXXXX | 4000131460 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | Guidelines do not allow for use of additional income on X | Client waived with compensating factors: XXXX is XXX below max XXXX of XXXXX XXXXX of XXXX is XXX points above minimum required XXXXX of XXXXX XXXXXXXXX has XXX years of XXXXX mortgage history. | 06/10/2026 | B | 2 | XXXXXXXXXX | NY | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| XXXXXXXXXX | 4000127094 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX | Credit | Deed of Trust/Mortgage | Deed of Trust/Mortgage - Other: | Notary acknowledgement includes a date line, which must be filled in. XXXX date line of notary acknowledgement on XXXX is not completed. | Information provided | Reviewer 06/12/2026 08:49 AM; No documentation provided |
06/16/2026 | A | 1 | XXXXXXXXXX | CA | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| XXXXXXXXXX | 4000131118 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX | Credit | Title Policy | Title Policy - is missing. Final ALTA title policy required. | Please provide XXXXXX XXXXXXXXX | Title XXXXXXXXXXX provided. | Reviewer 06/17/2026 08:51 AM; No documentation provided |
06/17/2026 | A | 1 | XXXXXXXXXX | TX | 1 | 1 | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||
| XXXXXXXXXX | 4000131118 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Fraud XXXXXXX with high and medium alerts cleared is missing from the file. | Received XXXXXX report | 06/16/2026 | A | 1 | XXXXXXXXXX | TX | 1 | 1 | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| XXXXXXXXXXX | 6000121296 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXX | Credit | Note | Note - Other: | XXXXX corrected note - section XXXXX reflects that the loan will be XXXX for XXXX months, should only be for XXXX months. XXXXXXX provide corrected note | Information provided | 05/08/2026 | A | 1 | XXXXXXXXXX | TX | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| XXXXXXXXXXX | 6000121296 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXX | Credit | Closing Package | Closing Package - | XXXXX updated approval - loan closed as XXXX - approval reflects XXX yr fixed. | Information provided | 05/12/2026 | A | 1 | XXXXXXXXXX | TX | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| XXXXXXXXXXXXXX | 4000129080 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXXXXXX XXXXX for XXXXXXXXXXX XXXXX | Received XXXX | 05/11/2026 | A | 1 | XXXXXXXXXX | MD | 1 | 3 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| XXXXXXXXXXXXXX | 4000126366 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXX per XXXXXXXXX guidelines, XXXX term leases are to be used. XXXXXXX are for XX months. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXX XXXXXXX months of reserves where the guideline minimum is XX months. XXXXX of XXXX where the guideline maximum is XXXX and XXXXXXXX mortgage payment history. | 05/06/2026 | A | 1 | XXXXXXXXXX | HI | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| XXXXXXXXXXXXXX | 4000126366 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX has a recent mortgage lien that needs to be subordinated. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXX XXXXXXX months of reserves where the guideline minimum is XX months. XXXXX of XXXX where the guideline maximum is XXXX and XXXXXXXX mortgage payment history. | 05/06/2026 | A | 1 | XXXXXXXXXX | HI | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| XXXXXXXXXXXXXX | 4000133029 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXX authorized XXXXXXXXX employee must orally verify all sources of employment (wage earner and self-employed) either orally or by email before loan documents are signed but no more than XXX days prior to loan funding. XXXXX for both XXX and XXX missing from file. | VVOE dated XXXXXXXXXX provided | 06/05/2026 | A | 1 | XXXXXXXXXX | MA | 1 | 1 | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| XXXXXXXXXXXXXX | 4000133029 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete VOE | XXXXXXXX dates of employment for XXX on final XXXXXXX | Revised XXXXX provided | Reviewer 06/05/2026 09:17 PM; The document received did not
include the final XXXXX with XXXXX dates of employment |
06/09/2026 | A | 1 | XXXXXXXXXX | MA | 1 | 1 | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||
| XXXXXXXXXXXXXX | 4000133029 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | XXXXX tolerance violation of XXXXXXXXXXXXX due to addition of loan origination fee with no valid coc. XXXXXXX provide evidence of refund along with XXXX to borrower and XXXXX reflecting cure. XXXX must be issued within XXX days of consummation | Information provided | Reviewer 06/12/2026 11:08 AM; Documents uploaded are blank. |
06/23/2026 | A | 1 | XXXXXXXXXX | MA | 1 | 1 | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||
| XXXXXXXXXXXXXX | 4000133029 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. | Information provided | 06/23/2026 | A | 1 | XXXXXXXXXX | MA | 1 | 1 | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||||
| XXXXXXXXXXXXXX | 4000123619 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXX XXXXXXXXXX XXXXX XXXXXXXXX requires XXXXXXXXX or XXXXXXXXXX XXX months statements, XX years XXXXX XXXXXXXXX in same business, borrower needs to blend XXX months' business and XXX months' personal in order to meet income requirements. XXXXXXXXXX approval from senior management allowing for use of XXXXXXXXX and XXXXXXXXX XXXX statements. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXXXX reserves when XXXX is required, and XXXX fico score where the minimum required is XXX | 04/29/2026 | B | 2 | XXXXXXXXXX | TX | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| XXXXXXXXXXXXXX | 4000126369 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - DTI exceeds maximum limit | XXXXXXXXXXXX max XXXX for XXXXX XXXX XXXXXXXXXX XXXXXXXXX XXXX over XXXX for XXXX | COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX with comp factors: XXXXX XXXX when min XXXXX required is XXXXX XXXX XXXX when max allowed XXXX is XXXXX XXXXXX months reserves when only XX months reserves required for purchase XXXXXXX XXXXX and XXXXXXXX & XXXXX | 04/23/2026 | B | 2 | XXXXXXXXXX | TX | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| XXXXXXXXXXXXXX | 4000128250 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XX XXXXXXXXX XXXXXXX report with XXXXX scores is required for all XXXXXXXXXXX XXX does not have complete credit report in file, only a supplement was supplied. | 05/05/2026 | A | 1 | XXXXXXXXXX | WA | 1 | 1 | A | A | A | A | A | A | A | A | Non-QM | 1 | ||||||||
| XXXXXXXXXXXXXX | 4000126108 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXX per XXXXXXXXX guidelines, the payment shock cannot exceed XXXXX XXX current XXXX is owned free and clear, payment shock exists. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXXXXX income is XXXXXXXXX XXXXXXXXX has XXXXXXXXXXXXX XXX reserves are required. XXXXXXXXX has XXXXXXX months. XXXX XXXX borrower qualifies for is XXXXXX XXXXX is at XXXX XXXXX | 04/21/2026 | B | 2 | XXXXXXXXXX | WA | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| XXXXXXXXXXXXXX | 4000126108 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXX the executed note agreement for XXXX XX XXXXXXXX XXX as one in file is not. XXXXXX used for XXXXXXXXXX income. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXXXXX income is XXXXXXXXX XXXXXXXXX has XXXXXXXXXXXXX XXX reserves are required. XXXXXXXXX has XXXXXXX months. XXXX XXXX borrower qualifies for is XXXXXX XXXXX is at XXXX XXXXX | Reviewer 04/21/2026 03:59 PM; The document received was the
XXXXXXXXXXX XXXXX XXXXXXXX and not the actual XXXXXX |
04/23/2026 | B | 2 | XXXXXXXXXX | WA | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||
| XXXXXXXXXXXXXX | 4000129860 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXX per XXXXXXXXX guidelines, the borrower must have XX trades with a XXXXX month history. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XX minimum of XXXXXXX in XXXXXXXXX income is required. XXXXXXXXX has XXXXXXXXXXXXX XXX reserves are required. XXXXXXXXX has XXXXXXX reserves. XX minimum score of XXXX is required for the program. XXXXXXXXX has a XXXX score. | 05/12/2026 | B | 2 | XXXXXXXXXX | WI | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| XXXXXXXXXXXXXX | 4000129860 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - Not Authorized | XXX per XXXXXXXXX guidelines, the maximum acreage allowed is XXX acres. XXXXXXXX property is XXXXXXX acres. | Exception approval received. XXXXXXXXXXXXX XXXXXXXXX XX minimum of XXXXXXX in XXXXXXXXX income is required. XXXXXXXXX has XXXXXXXXXXXXX XXX reserves are required. XXXXXXXXX has XXXXXXX reserves. XX minimum score of XXXX is required for the program. XXXXXXXXX has a XXXX score. | 05/13/2026 | B | 2 | XXXXXXXXXX | WI | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| XXXXXXXXXXXXXX | 4000128849 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX XXXXXXXXXX XXXXX and credit reports are required, file does not contain the XXXXXXX XXXXXXX for XXX XXXXXXXX XXXXXXX | 05/08/2026 | A | 1 | XXXXXXXXXX | ID | 3 | 13 | A | A | A | A | N/A | N/A | A | A | Exempt | 1 | ||||||||
| XXXXXXXXXXXXXX | 4000128246 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXXXXX to review XXXXX calculation. XXXXXXXXX is XXXX with XX XXXXXXX XXXXXXX is using rental income of XXXXXXXXX XXXXXX are XX individual leases XXXXXXXXXXX and XX XXXXXX XXXXXXXXXXX for subject property. XXXXXXX review and provide updated loan approval including new XXXXX calculation. | 05/04/2026 | A | 1 | XXXXXXXXXX | WA | 3 | 3 | A | A | A | A | N/A | N/A | A | A | Exempt | 1 | ||||||||
| XXXXXXXXXXXXXX | 4000132801 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXX per XXXXXXXXX guidelines, payment shock cannot exceed XXXXX XXXXX payment shock exceeds XXXX | Exception approval for payment shock/ XXXXXXXXXXXXX XXXXXXXX - score XXXXX minimum XXXXX reserves- XXXX months. | 06/02/2026 | B | 2 | XXXXXXXXXX | TN | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| XXXXXXXXXXXXXX | 4000129076 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXXX funds require XXXXXXX XXXXXXXXXXX approval on XXXXX program. XXXXXXXXXX approval from senior management in file allowing for use of XXXXXXXX gidt funds from son. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXXX reserves when only XXXXXXX required, XXXXX of XXXXXX when only XXXXX is required and XXXX fico score where the minimum required is XXX | 05/11/2026 | B | 2 | XXXXXXXXXX | UT | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| XXXXXXXXXXXXXX | 4000130809 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - 2yr Employment history not verified | XX years' history of self-employment is required on all plans. XXXXXXXXXX approval in file allowing borrower to have XX year XX months history | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXXX reserves when only XXXXXXXX required, and XXXX fico score where the minimum required is XXX | 05/18/2026 | B | 2 | XXXXXXXXXX | TX | 1 | 1 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| XXXXXXXXXXXXXX | 4000130809 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXXX payment shock on all plans is XXX or XXXXXXX XXXXXXXXXX approval in file allowing for payment shock of XXXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXXX reserves when only XXXXXXXX required, and XXXX fico score where the minimum required is XXX | 05/18/2026 | B | 2 | XXXXXXXXXX | TX | 1 | 1 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| XXXXXXXXXXXXXX | 4000131015 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXX XXXXXXXXXXX approval required for XXXXXXX policy not having crime/fidelity coverage. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXX fico score where the minimum required is XXXXX XXXX of XXXXXXXX where the max allowed is XXXXX and XXXXXXXXX income of XXXXXXX exceeds the minimum required of XXXXXX | Reviewer 05/19/2026 10:25 AM; |
05/19/2026 | B | 2 | XXXXXXXXXX | NC | 2 | 1 | C | B | C | A | A | A | C | B | Non-QM | 1 | ||||||
| XXXXXXXXXXXXXX | 4000131015 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXX XXXXX insurance policies. | Received XXXXX owner's policy | 05/19/2026 | A | 1 | XXXXXXXXXX | NC | 2 | 1 | C | B | C | A | A | A | C | B | Non-QM | 1 | |||||||
| XXXXXXXXXXXXXX | 4000129646 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXXXXX XXXXXXX for XXXXXXXX XXXXXXXX XXXXX is required and not in file. | 05/12/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 1 | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||||
| XXXXXXXXXXXXXX | 4000131723 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXXXX XXXX XXXXXXX by borrowers. | 05/26/2026 | A | 1 | XXXXXXXXXX | CO | 3 | 1 | A | A | A | A | N/A | N/A | A | A | Exempt | 1 | ||||||||
| XXXXXXXXXXXXXX | 4000131017 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXXX is missing credit report for XXXXXXX XXXXXX | 05/19/2026 | A | 1 | XXXXXXXXXX | CA | 3 | 1 | A | A | A | A | N/A | N/A | A | A | Exempt | 1 | ||||||||
| XXXXXXXXXXXXXX | 4000128161 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - DTI exceeds maximum limit | XXX per XXXXXXXXX guidelines, the maximum loan XXXX is XXXXXX XXXXX XXXX exceeds XXXXX | Neg rent for departing residence is XXXXXXXXXX = XXXXXXXX XXXX XXXXXXXXXXXXX XXXXXXX rent x XXXX XXXXXXXXXXX - XXXXXXXXXXX XXXXXX | 05/27/2026 | A | 1 | XXXXXXXXXX | NV | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| XXXXXXXXXXXXXX | 4000133838 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Hud-1 from sale | XXXXXXXX the settlement statement for the sale of XXXXXXX XXX to evidence net proceeds of XXXXXXXXXXXXXXXX XXXXX an estimate was provided in the loan file. | Received final XXX for sale of XXX XXXXXXX XXX with proceeds of XXXXXXXXX | Reviewer 06/09/2026 03:00 PM; Received XX checks XXXXXXXXXX and
XXXXXXXX from closing attorney for sale of prior primary residence XXX
XXXXXXX XXXXXXXXX XXXXXXX were made payable to closing agent XXXXXX &
XXXXXXXX for purchase of subject property.
XXXX not receive the final XXX for subject property which reflects
these funds XXXXXXXXXX were credited to the borrower. |
06/10/2026 | A | 1 | XXXXXXXXXX | MA | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | ||||||
| XXXXXXXXXXXXXX | 4000131901 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXX per XXXXXXXXX guidelines a verbal XXXX is required to have been completed XXX days prior to the XXXXX date. | Received XXX XXXXX for XXXXXX | 05/27/2026 | A | 1 | XXXXXXXXXX | WV | 1 | 1 | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| XXXXXXXXXXXXXX | 4000131901 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Calculation Incorrect | XXXXXX depletion income was figured incorrectly. XXXXX to use current statements and reduce retirement income by the correct percentage and then deduct closing and deposit amounts and divide by XXXX months. | Loan XXXXXXXXXX XXXXX XXXXXXXXXX and XXXXXXX worksheet provided | Reviewer 05/28/2026 09:48 AM; Documents received and file
returned to XXXXXXX XX Reviewer 05/28/2026 10:54 AM; X/XX/XX- XXXXX asset depletion sheet received. XXXXXXXX XXXXX statement from XXXXXXXX not used. XXXX from XXXXXXXX was used. XXX per guidelines, the full amounts for stocks/bonds and retirement assets cannot be used as they must be reduced by XXXX (borrower is older than XXXXXX yrs old). XXXXXX assets must have the down payment and closing costs removed and then divided by XXXX months. |
06/02/2026 | A | 1 | XXXXXXXXXX | WV | 1 | 1 | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||
| XXXXXXXXXXXXXX | 4000132498 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXXXXXX require a minimum of XX active tradelines. XXXX borrower has just XX active tradelines reporting. | Client waived with compensating factors: XXXXX XXXXX XXX year job time; over XXXXXXX in assets; XXXX down payment | 06/01/2026 | B | 2 | XXXXXXXXXX | NV | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| XXXXXXXXXXXXXX | 4000134035 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | Closing Package | Closing Package - | XXXXXXX provide the XXXXXXXXX XXXXXXXXXX | 06/11/2026 | A | 1 | XXXXXXXXXX | CA | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||||
| XXXXXXXXXXXXXX | 4000134476 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXXXXXX the XXXXXXX XXXXXXXX for XXX XXXXXXXX XX XXXXXXXX and XXX XXXXXX XXXXXXXXXXXX | Credit report for XXX and XXX provided on XXXXXXXXX | 06/15/2026 | A | 1 | XXXXXXXXXX | TX | 3 | 1 | C | B | A | A | N/A | N/A | C | B | Exempt | 1 | |||||||
| XXXXXXXXXXXXXX | 4000134476 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXX XXXXXXXXXXX with XXXXX acre require XXXXX XXXXXXXXXXX XXXXXXXXXXX XXXX subject property was XXXXXXX acres. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX down payment from borrowers own funds; XXXX of XXXXXXXXX where the guideline maximum is XXXXX XXXX XXXXXXXXX XXXXXXX of XXXXXXXXXXXXX where the guideline minimum is XXXXXXXXX and XXXXX XXXXXXXX XXXXXXXXX of XXXXXXX months. | 06/16/2026 | B | 2 | XXXXXXXXXX | TX | 3 | 1 | C | B | A | A | N/A | N/A | C | B | Exempt | 1 | |||||||
| XXXXXXXXXXX | 6000121133 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income calculation worksheet required | Missing the income calculation worksheet for both borrowers. | Income work sheet provided. | Client 09/17/2025 08:41 AM; See income calc's uploaded. Thank
you. Reviewer 09/17/2025 09:18 AM; Condition has been reviewed. Thx |
09/17/2025 | A | 1 | XXXXXXXXXX | FL | 2 | 1 | C | A | C | A | A | A | A | A | Exempt | 1 | ||||||
| XXXXXXXXXXX | 6000121133 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Self-Employed verify business | Independent verification of the borrower's self-employed business, dated within 30 days of the note, is missing. Acceptable verification sources include LexisNexis, D&B International Business Search, Google, or other approved methods in accordance with Foreign National borrower requirements. | Business search & conversion documents received. | 09/17/2025 | A | 1 | XXXXXXXXXX | FL | 2 | 1 | C | A | C | A | A | A | A | A | Exempt | 1 | |||||||
| XXXXXXXXXXXXXX | 4000116307 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | Application | Application - Completed, signed, initial application for all applicant not in file | Initial XXXXXXXXXXXX missing. | Information provided | Reviewer 03/19/2026 02:52 PM; No documentation provided |
03/20/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 3 | D | A | D | A | C | A | C | A | Safe Harbor QM (APOR) | 1 | ||||||
| XXXXXXXXXXXXXX | 4000121191 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing pay stub | Paystubs covering minimum XXX days missing from the file. | XXXXXXXXX additional paystub dated XXXX - XXXX | Reviewer 03/31/2026 08:47 AM; ***Return file to XXX for
review**** Reviewer 04/02/2026 10:06 PM; Pay stub received and file returned to XXXXXXX XXX for review. Reviewer 04/06/2026 02:23 PM; Paystub covering XXXXXXXXXXXXXXXXXXXXXX XXXX guidelines require XXX days, additional consecutive paystubs required. Reviewer 04/06/2026 02:25 PM; Received additional pay stub dated XXXXXXXXXXX however, these pay stub dates are not consecutive. XXXXXXXX consecutive pay stubs for XXX days. |
04/08/2026 | A | 1 | XXXXXXXXXX | CA | 3 | 3 | D | A | D | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| XXXXXXXXXXXXXX | 4000121191 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | WVOE missing from the file. XXXXXXXXX if XXXXXXXXX receives income other than base income. | WVOE provided | Reviewer 03/31/2026 08:47 AM; ****Return file to XXX for review
*** Reviewer 04/02/2026 10:06 PM; VOE received and file returned to XXXXXXX XXX for review. |
04/03/2026 | A | 1 | XXXXXXXXXX | CA | 3 | 3 | D | A | D | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| XXXXXXXXXXX | 6000123518 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXX | Credit | UW Other | UW Other - UW - Initial/Final 1003 incomplete/missing | XXXXXXXX the fully executed commercial loan application. XXXXX in file was not signed and dated by the borrower. | Final XXXXXXX XXXXX provided | Client 04/23/2026 04:38 AM; Please see attached XXXXXX XXXXXXX
XXXX Reviewer 04/23/2026 07:13 AM; Condition has been reviewed |
04/23/2026 | A | 1 | XXXXXXXXXX | FL | 3 | 13 | D | A | D | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| XXXXXXXXXXXXXX | 4000131234 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Taxes and Insurance documentation | XXXX tax statement in the file is for XXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX address is XXXXXXXX XXXXX tax amount verified. | Subject is a new construction property, and the property taxes have been calculated accordingly. XXXX tax estimate was derived using the millage rate from the builder’s tax information prior to the property split. XXXX loan details provided reflect how the taxes were calculated | Client 05/20/2026 02:36 PM; Please note this is a new
construction property, and the property taxes have been calculated
accordingly. XXXX tax estimate was derived using the millage rate from the
builder’s tax information prior to the property split. XXXX loan details have
been updated and reprinted to reflect how the taxes were calculated. XXXXXX
you. Reviewer 05/20/2026 03:08 PM; Condition has been reviewed |
05/20/2026 | A | 1 | XXXXXXXXXX | FL | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| XXXXXXXXXXXXXX | 4000135802 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXXX XXXX documentation of the business XXXX number. | Email uploaded to file that shows XXXX number. XXXXX wrote it as an XXXXX but it is clearly not. | Reviewer 06/23/2026 04:19 PM; Documents provided did not include
XXXX documentation of the XXXX # Client 06/24/2026 11:34 AM; Email uploaded to file that shows XXXX number. XXXXX wrote it as an XXXXX but it is clearly not. XXXXXX you. Reviewer 06/24/2026 01:24 PM; The email provided has already been reviewed and does not include XXXX documentation of the XXXX #. XXXXXXXX the XXXX # verified by XXX Reviewer 06/24/2026 05:30 PM; Condition has been reviewed |
06/24/2026 | A | 1 | XXXXXXXXXX | NC | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 |