Exhibit 99.06 Schedule 1

 

Loan ID Customer Loan ID Seller Loan ID Note Date Original Loan Amount Last Name Property State Occupancy Purpose Originator QM Status TPR QM Status Exception ID Exception Number Exception Date Exception Type Exception Subcategory Exception Exception Remedy Rebuttal TPR Response TPR Response Status Update Date Finding Status Initial Exception Grade Final Exception Grade Initial Loan Grade Final Loan Grade
4000118498 xx/xx/xxxx xxxxx xxxxx MA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) 8581256 2 of 2 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

compliance

 - xx/xx/xxxx

 No compliance findings noted. - xx/xx/xxxx

Open finding in error - xx/xx/xxxx

compliance

 - xx/xx/xxxx

 No compliance findings noted. - xx/xx/xxxx

Open finding in error - xx/xx/xxxx

compliance

 - xx/xx/xxxx

 2026-04-14 19:46 Cleared 1 1 3 1
4000102730 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 6437742 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

Appraisal value supported, please clear condition.  Thank you! - xx/xx/xxxx

 Appraisal value supported, please clear condition.  Thank you! - xx/xx/xxxx

 Appraisal value supported, please clear condition.  Thank you! - xx/xx/xxxx

 2026-02-10 01:20 Cleared 1 1 1 1
4000107728 xxxxx xx/xx/xxxx xxxxx xxxxx TX Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 7074739 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-01-13 22:06 Cleared 1 1 1 1
4000107728 xxxxx xx/xx/xxxx xxxxx xxxxx TX Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 7095941 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-01-14 22:19 Cleared 1 1 1 1
4000104421 xxxxx xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 7052556 1 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-01-13 01:44 Cleared 1 1 1 1
4000104421 xxxxx xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 7052557 2 of 4 xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.



2026-01-13 01:44 Cleared 1 1 1 1
4000104421 xxxxx xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 7092813 3 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-01-14 19:35 Cleared 1 1 1 1
4000104421 xxxxx xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8511599 4 of 4 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. - xx/xx/xxxx

 The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. - xx/xx/xxxx

 2026-04-06 21:48 Cleared 1 1 1 1
4000130717 xx/xx/xxxx xxxxx xxxxx MA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9455693 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-05-29 22:11 Cleared 1 1 3 1
4000130717 xx/xx/xxxx xxxxx xxxxx MA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9455704 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-29 22:12 Cleared 1 1 3 1
4000105982 xxxxx xx/xx/xxxx xxxxx xxxxx PA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 7084896 2 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-01-14 14:54 Cleared 1 1 3 1
4000105982 xxxxx xx/xx/xxxx xxxxx xxxxx PA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 7084897 3 of 4 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-01-14 14:54 Cleared 1 1 3 1
4000109953 xxxxx xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 7102057 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-01-15 01:47 Cleared 1 1 4 1
4000109953 xxxxx xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 7102058 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-01-15 01:47 Cleared 1 1 4 1
4000110203 xxxxx xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 7358240 3 of 5 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-01-29 20:11 Cleared 1 1 3 1
4000110203 xxxxx xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 7358242 4 of 5 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-01-29 20:11 Cleared 1 1 3 1
4000109475 xxxxx xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 7306256 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-01-27 05:48 Cleared 1 1 1 1
4000109475 xxxxx xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 7306258 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-01-27 05:49 Cleared 1 1 1 1
4000109475 xxxxx xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 7316054 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-01-27 18:09 Cleared 1 1 1 1
4000110318 xxxxx xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 7478241 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-02-05 22:42 Cleared 1 1 3 1
4000110318 xxxxx xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 7496993 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-02-06 19:52 Cleared 1 1 3 1
4000129158 xx/xx/xxxx xxxxx xxxxx MD Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9111193 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-05-11 17:25 Cleared 1 1 1 1
4000129158 xx/xx/xxxx xxxxx xxxxx MD Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9111194 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-05-11 17:26 Cleared 1 1 1 1
4000129158 xx/xx/xxxx xxxxx xxxxx MD Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9111195 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-11 17:26 Cleared 1 1 1 1
4000111868 xxxxx xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 7407394 1 of 4 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-02-02 23:39 Cleared 1 1 3 1
4000111868 xxxxx xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 7407395 2 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-02-02 23:39 Cleared 1 1 3 1
4000111868 xxxxx xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 7418992 4 of 4 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-02-03 15:55 Cleared 1 1 3 1
4000113348 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx MD Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 7516909 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-02-09 16:15 Cleared 1 1 1 1
4000113348 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx MD Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 7548717 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-02-11 00:23 Cleared 1 1 1 1
4000113348 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx MD Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 7548720 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-02-11 00:24 Cleared 1 1 1 1
4000114305 xxxxx xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 7683802 3 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-02-20 01:10 Cleared 1 1 2 2
4000114305 xxxxx xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 7683815 4 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-02-20 01:10 Cleared 1 1 2 2
4000117843 xx/xx/xxxx xxxxx xxxxx TX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 7900486 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 2026-03-04 23:16 Cleared 1 1 3 1
4000114937 xxxxx xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 7733764 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-02-25 01:29 Cleared 1 1 1 1
4000114937 xxxxx xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 7733768 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-02-25 01:28 Cleared 1 1 1 1
4000114937 xxxxx xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 7733777 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-02-25 01:29 Cleared 1 1 1 1
4000113500 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx TN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 7844962 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 2026-03-02 21:22 Cleared 1 1 1 1
4000113500 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx TN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 7844964 2 of 3 xx/xx/xxxx Property Value - Field Review Supports Value within 10% A Retro-Field Review was performed. The original appraised value is supported with a variance within 10%.



A Retro-Field Review was performed. The original appraised value is supported with a variance within 10%. - xx/xx/xxxx

 A Retro-Field Review was performed. The original appraised value is supported with a variance within 10%. - xx/xx/xxxx

 2026-03-02 21:23 Cleared 1 1 1 1
4000113500 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx TN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 7875365 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



The loan meets all applicable credit guidelines. - xx/xx/xxxx

 The loan meets all applicable credit guidelines. - xx/xx/xxxx

 2026-03-02 21:22 Cleared 1 1 1 1
4000101878 xx/xx/xxxx xxxxx xxxxx TN Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 7919968 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 2026-03-05 01:14 Cleared 1 1 1 1
4000101878 xx/xx/xxxx xxxxx xxxxx TN Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 7919977 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



The loan meets all applicable credit guidelines.
 - xx/xx/xxxx

 The loan meets all applicable credit guidelines.
 - xx/xx/xxxx

 2026-03-05 01:15 Cleared 1 1 1 1
4000101878 xx/xx/xxxx xxxxx xxxxx TN Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 7920035 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.
 - xx/xx/xxxx

 The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.
 - xx/xx/xxxx

 2026-03-05 01:14 Cleared 1 1 1 1
4000119002 xx/xx/xxxx xxxxx xxxxx NV Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8369012 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 2026-03-30 20:27 Cleared 1 1 3 1
4000119002 xx/xx/xxxx xxxxx xxxxx NV Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8369014 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 2026-03-30 20:28 Cleared 1 1 3 1
4000119552 xx/xx/xxxx xxxxx xxxxx TX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8342315 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 2026-03-27 17:20 Cleared 1 1 3 1
4000119552 xx/xx/xxxx xxxxx xxxxx TX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8342339 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 2026-03-27 17:20 Cleared 1 1 3 1
4000117724 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8336255 5 of 5 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-03-26 19:15 Cleared 1 1 4 2
4000118433 xx/xx/xxxx xxxxx xxxxx OH Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8349120 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-03-30 13:15 Cleared 1 1 3 1
4000118433 xx/xx/xxxx xxxxx xxxxx OH Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8361063 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-03-30 13:16 Cleared 1 1 3 1
4000121879 xx/xx/xxxx xxxxx xxxxx TX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8372762 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 2026-03-30 23:19 Cleared 1 1 1 1
4000121879 xx/xx/xxxx xxxxx xxxxx TX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8372763 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



The loan meets all applicable credit guidelines. - xx/xx/xxxx

 The loan meets all applicable credit guidelines. - xx/xx/xxxx

 2026-03-30 23:20 Cleared 1 1 1 1
4000121879 xx/xx/xxxx xxxxx xxxxx TX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8372764 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 2026-03-30 23:20 Cleared 1 1 1 1
4000129360 xx/xx/xxxx xxxxx xxxxx AZ Second Home Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9138043 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-12 19:18 Cleared 1 1 3 1
4000120806 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8321039 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 2026-03-26 19:22 Cleared 1 1 1 1
4000120806 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8321042 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



The loan meets all applicable credit guidelines. - xx/xx/xxxx

 The loan meets all applicable credit guidelines. - xx/xx/xxxx

 2026-03-26 19:22 Cleared 1 1 1 1
4000120806 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8321043 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 2026-03-26 19:23 Cleared 1 1 1 1
4000121221 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8595593 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-10 23:19 Cleared 1 1 3 1
4000121221 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8595598 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-04-10 23:20 Cleared 1 1 3 1
4000117567 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8284516 4 of 4 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-03-24 19:24 Cleared 1 1 3 1
400012xxxxxx  xx/xx/xxxx xxxxx xxxxx FL Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8393467 1 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 2026-04-01 15:15 Cleared 1 1 4 1
4000118527 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8339374 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-03-27 15:57 Cleared 1 1 1 1
4000118527 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8339375 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-03-27 15:57 Cleared 1 1 1 1
4000118527 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8343398 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-03-27 15:57 Cleared 1 1 1 1
4000118148 xx/xx/xxxx xxxxx xxxxx FL Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8365674 3 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 2026-03-31 14:56 Cleared 1 1 4 1
4000118148 xx/xx/xxxx xxxxx xxxxx FL Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8403585 4 of 4 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



The loan meets all applicable credit guidelines. - xx/xx/xxxx

 The loan meets all applicable credit guidelines. - xx/xx/xxxx

 2026-03-31 14:56 Cleared 1 1 4 1
4000118280 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8443188 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-04-02 19:06 Cleared 1 1 3 1
4000118280 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8443332 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-02 19:06 Cleared 1 1 3 1
4000118243 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8448857 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-04-02 17:39 Cleared 1 1 1 1
4000118243 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8448870 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-02 17:39 Cleared 1 1 1 1
4000118243 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8448887 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-04-02 17:40 Cleared 1 1 1 1
4000118618 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8437103 3 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-04-02 13:26 Cleared 1 1 3 1
4000118618 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8437104 4 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-02 13:26 Cleared 1 1 3 1
4000121269 xx/xx/xxxx xxxxx xxxxx NV Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8439653 1 of 2 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-04-02 14:52 Cleared 1 1 1 1
4000121269 xx/xx/xxxx xxxxx xxxxx NV Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8439654 2 of 2 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-02 14:52 Cleared 1 1 1 1
4000122057 xx/xx/xxxx xxxxx xxxxx AZ Primary Residence Purchase Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) 8476922 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-06 15:45 Cleared 1 1 1 1
4000122057 xx/xx/xxxx xxxxx xxxxx AZ Primary Residence Purchase Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) 8476931 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-04-06 15:46 Cleared 1 1 1 1
4000118533 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8485318 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 2026-04-06 20:29 Cleared 1 1 3 1
4000118533 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8485346 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



The loan meets all applicable credit guidelines. - xx/xx/xxxx

 The loan meets all applicable credit guidelines. - xx/xx/xxxx

 2026-04-06 20:28 Cleared 1 1 3 1
4000120524 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8488319 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



The loan meets all applicable credit guidelines. - xx/xx/xxxx

 The loan meets all applicable credit guidelines. - xx/xx/xxxx

 2026-04-06 19:57 Cleared 1 1 3 1
4000120524 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8488320 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 2026-04-06 19:56 Cleared 1 1 3 1
4000120517 xx/xx/xxxx xxxxx xxxxx AZ Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8496513 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 2026-04-06 20:07 Cleared 1 1 1 1
4000120517 xx/xx/xxxx xxxxx xxxxx AZ Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8496516 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



The loan meets all applicable credit guidelines. - xx/xx/xxxx

 The loan meets all applicable credit guidelines. - xx/xx/xxxx

 2026-04-06 20:07 Cleared 1 1 1 1
4000122057 xx/xx/xxxx xxxxx xxxxx AZ Primary Residence Purchase Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) 8502702 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-04-06 15:46 Cleared 1 1 1 1
4000120517 xx/xx/xxxx xxxxx xxxxx AZ Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8503124 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 2026-04-06 20:08 Cleared 1 1 1 1
4000121831 xx/xx/xxxx xxxxx xxxxx SC Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8360469 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-03-30 22:47 Cleared 1 1 1 1
4000121831 xx/xx/xxxx xxxxx xxxxx SC Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8360487 2 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-03-30 22:47 Cleared 1 1 1 1
4000122114 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) 8369986 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-03-30 21:14 Cleared 1 1 1 1
4000122114 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) 8381882 2 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-03-30 21:14 Cleared 1 1 1 1
4000122114 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) 8384040 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-03-30 21:14 Cleared 1 1 1 1
4000121831 xx/xx/xxxx xxxxx xxxxx SC Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8389648 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-03-30 22:47 Cleared 1 1 1 1
4000121981 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8389974 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 2026-03-31 21:12 Cleared 1 1 1 1
4000121981 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8389977 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



The loan meets all applicable credit guidelines. - xx/xx/xxxx

 The loan meets all applicable credit guidelines. - xx/xx/xxxx

 2026-03-31 21:12 Cleared 1 1 1 1
4000121981 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8389989 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 2026-03-31 21:13 Cleared 1 1 1 1
4000122733 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8403647 1 of 2 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-03-31 23:56 Cleared 1 1 3 1
4000120944 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8428010 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



The loan meets all applicable credit guidelines. - xx/xx/xxxx

 The loan meets all applicable credit guidelines. - xx/xx/xxxx

 2026-04-01 21:53 Cleared 1 1 1 1
4000120944 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8428011 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 2026-04-01 21:53 Cleared 1 1 1 1
4000121265 xx/xx/xxxx xxxxx xxxxx IN Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8430115 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-02 13:14 Cleared 1 1 3 1
4000121265 xx/xx/xxxx xxxxx xxxxx IN Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8433246 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-04-02 13:14 Cleared 1 1 3 1
4000120944 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8435912 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



The loan meets all applicable compliance guidelines. - xx/xx/xxxx

 The loan meets all applicable compliance guidelines. - xx/xx/xxxx

 2026-04-01 21:54 Cleared 1 1 1 1
4000115966 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8453686 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU and LCA with risk scores of xxxxxx or less which meets the lender's guidelines. 





2026-04-02 17:26 Cleared 1 1 1 1
4000115966 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8453687 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-04-02 17:25 Cleared 1 1 1 1
4000115966 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8455789 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-04-02 17:26 Cleared 1 1 1 1
4000121037 xx/xx/xxxx xxxxx xxxxx OH Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8382514 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



The loan meets all applicable credit guidelines. - xx/xx/xxxx

 The loan meets all applicable credit guidelines. - xx/xx/xxxx

 2026-03-31 21:18 Cleared 1 1 1 1
4000121037 xx/xx/xxxx xxxxx xxxxx OH Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8382520 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 2026-03-31 21:18 Cleared 1 1 1 1
4000121037 xx/xx/xxxx xxxxx xxxxx OH Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8386505 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



The loan meets all applicable compliance guidelines. - xx/xx/xxxx

 The loan meets all applicable compliance guidelines. - xx/xx/xxxx

 2026-03-31 21:19 Cleared 1 1 1 1
4000120428 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8408662 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



The loan meets all applicable credit guidelines. - xx/xx/xxxx

 The loan meets all applicable credit guidelines. - xx/xx/xxxx

 2026-03-31 20:56 Cleared 1 1 1 1
4000120428 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8408666 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 2026-03-31 20:57 Cleared 1 1 1 1
4000120428 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8408672 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 2026-03-31 20:56 Cleared 1 1 1 1
4000122677 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8437203 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-02 17:47 Cleared 1 1 3 2
4000122677 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8437233 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-04-02 17:47 Cleared 1 1 3 2
4000118441 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8460738 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



The loan meets all applicable credit guidelines. - xx/xx/xxxx

 The loan meets all applicable credit guidelines. - xx/xx/xxxx

 2026-04-02 22:17 Cleared 1 1 1 1
4000118441 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8460743 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 2026-04-02 22:17 Cleared 1 1 1 1
4000118441 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8460747 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 2026-04-02 22:18 Cleared 1 1 1 1
4000120215 xx/xx/xxxx xxxxx xxxxx MD Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8485428 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-06 22:33 Cleared 1 1 3 1
4000120215 xx/xx/xxxx xxxxx xxxxx MD Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8485440 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-04-06 22:34 Cleared 1 1 3 1
4000120513 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8488059 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-06 22:44 Cleared 1 1 1 1
4000120513 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8488060 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-04-06 22:45 Cleared 1 1 1 1
4000120513 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8498538 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-04-06 22:45 Cleared 1 1 1 1
4000119299 xx/xx/xxxx xxxxx xxxxx TN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8572221 1 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-09 19:57 Cleared 1 1 3 1
4000119299 xx/xx/xxxx xxxxx xxxxx TN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8572227 2 of 4 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-04-09 19:57 Cleared 1 1 3 1
4000119299 xx/xx/xxxx xxxxx xxxxx TN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8572236 3 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-04-09 19:57 Cleared 1 1 3 1
4000123123 xx/xx/xxxx xxxxx xxxxx FL Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8488073 2 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-04 15:54 Cleared 1 1 4 1
4000123123 xx/xx/xxxx xxxxx xxxxx FL Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8510204 4 of 4 xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.



Secondary valuation supports value used to originate the loan. - xx/xx/xxxx

 Secondary valuation supports value used to originate the loan. - xx/xx/xxxx

 2026-04-06 20:32 Cleared 1 1 4 1
4000118241 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8510456 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 2026-04-07 22:30 Cleared 1 1 1 1
4000118241 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8510457 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



The loan meets all applicable credit guidelines. - xx/xx/xxxx

 The loan meets all applicable credit guidelines. - xx/xx/xxxx

 2026-04-07 22:31 Cleared 1 1 1 1
4000118241 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8532975 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 2026-04-07 22:31 Cleared 1 1 1 1
4000118179 xx/xx/xxxx xxxxx xxxxx AZ Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8545317 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-08 17:49 Cleared 1 1 3 1
4000118179 xx/xx/xxxx xxxxx xxxxx AZ Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8545326 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-04-08 17:50 Cleared 1 1 3 1
4000123118 xx/xx/xxxx xxxxx xxxxx NJ Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8580688 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-10 18:42 Cleared 1 1 3 1
4000123118 xx/xx/xxxx xxxxx xxxxx NJ Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8581693 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-04-10 18:41 Cleared 1 1 3 1
4000123472 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8479788 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 2026-04-06 19:50 Cleared 1 1 1 1
4000123472 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8479803 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



The loan meets all applicable credit guidelines. - xx/xx/xxxx

 The loan meets all applicable credit guidelines. - xx/xx/xxxx

 2026-04-06 19:49 Cleared 1 1 1 1
4000122438 xx/xx/xxxx xxxxx xxxxx OH Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8499597 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-04-06 22:50 Cleared 1 1 3 1
4000122438 xx/xx/xxxx xxxxx xxxxx OH Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8499599 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-06 22:51 Cleared 1 1 3 1
4000123472 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8502737 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 2026-04-06 19:49 Cleared 1 1 1 1
4000118318 xx/xx/xxxx xxxxx xxxxx NC Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8558584 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-10 20:26 Cleared 1 1 1 1
4000118318 xx/xx/xxxx xxxxx xxxxx NC Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8558589 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-04-10 20:26 Cleared 1 1 1 1
4000118855 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8560058 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-04-09 20:04 Cleared 1 1 1 1
4000118855 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8560059 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-04-09 20:08 Cleared 1 1 1 1
4000118855 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8560060 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-09 20:09 Cleared 1 1 1 1
4000122067 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8563936 2 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-09 20:30 Cleared 1 1 4 1
4000122067 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8563938 3 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-04-09 20:31 Cleared 1 1 4 1
4000118318 xx/xx/xxxx xxxxx xxxxx NC Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8580376 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-04-10 20:25 Cleared 1 1 1 1
4000122649 xx/xx/xxxx xxxxx xxxxx GA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) 8482557 1 of 2 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-06 15:58 Cleared 1 1 3 1
4000122649 xx/xx/xxxx xxxxx xxxxx GA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) 8482561 2 of 2 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-04-06 15:59 Cleared 1 1 3 1
4000122900 xx/xx/xxxx xxxxx xxxxx NJ Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8507223 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-04-07 21:00 Cleared 1 1 1 1
4000122900 xx/xx/xxxx xxxxx xxxxx NJ Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8507230 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-07 21:01 Cleared 1 1 1 1
4000122900 xx/xx/xxxx xxxxx xxxxx NJ Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8510493 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-04-07 21:00 Cleared 1 1 1 1
4000122586 xx/xx/xxxx xxxxx xxxxx MA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8554613 3 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-04-08 21:19 Cleared 1 1 3 1
4000118498 xx/xx/xxxx xxxxx xxxxx MA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) 8581212 1 of 2 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 2026-04-10 19:57 Cleared 1 1 3 1
4000121744 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8706465 1 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-17 15:58 Cleared 1 1 3 1
4000121744 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8706466 2 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-04-17 15:57 Cleared 1 1 3 1
4000119773 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8593510 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-10 23:40 Cleared 1 1 3 1
4000119773 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8593512 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-04-10 23:40 Cleared 1 1 3 1
4000122820 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8902202 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



The loan meets all applicable credit guidelines.
 - xx/xx/xxxx

 The loan meets all applicable credit guidelines.
 - xx/xx/xxxx

 2026-04-28 21:40 Cleared 1 1 1 1
4000122820 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8902208 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
 - xx/xx/xxxx

 DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
 - xx/xx/xxxx

 2026-04-28 21:40 Cleared 1 1 1 1
4000122820 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8902215 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.
 - xx/xx/xxxx

 The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.
 - xx/xx/xxxx

 2026-04-28 21:40 Cleared 1 1 1 1
4000121376 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Refinance Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) 8930229 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-29 17:36 Cleared 1 1 1 1
4000121376 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Refinance Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) 8944838 2 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-04-29 17:36 Cleared 1 1 1 1
4000121376 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Refinance Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) 8951502 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-04-29 17:36 Cleared 1 1 1 1
4000121160 xx/xx/xxxx xxxxx xxxxx PA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8714071 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-20 20:46 Cleared 1 1 1 1
4000121160 xx/xx/xxxx xxxxx xxxxx PA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8714078 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-04-20 20:46 Cleared 1 1 1 1
4000121160 xx/xx/xxxx xxxxx xxxxx PA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8714083 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-04-20 20:46 Cleared 1 1 1 1
4000120506 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8661058 5 of 7 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 2026-04-15 20:56 Cleared 1 1 4 1
4000124512 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8666115 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



The loan meets all applicable credit guidelines. - xx/xx/xxxx

 The loan meets all applicable credit guidelines. - xx/xx/xxxx

 2026-04-15 17:52 Cleared 1 1 3 1
4000124512 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8666118 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 2026-04-15 17:53 Cleared 1 1 3 1
4000120506 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8683249 6 of 7 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



The loan meets all applicable compliance guidelines. - xx/xx/xxxx

 The loan meets all applicable compliance guidelines. - xx/xx/xxxx

 2026-04-15 20:56 Cleared 1 1 4 1
4000126130 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8841625 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-24 18:10 Cleared 1 1 3 1
4000126130 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8844729 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-04-24 18:11 Cleared 1 1 3 1
4000123383 xx/xx/xxxx xxxxx xxxxx FL Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8927030 5 of 6 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-29 16:31 Cleared 1 1 3 2
4000123383 xx/xx/xxxx xxxxx xxxxx FL Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8944503 6 of 6 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-04-29 16:31 Cleared 1 1 3 2
4000123490 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8716380 2 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-04-17 19:41 Cleared 1 1 3 1
4000123490 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8737600 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-04-17 19:41 Cleared 1 1 3 1
4000122595 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8741523 3 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-17 17:26 Cleared 1 1 4 1
4000119021 xx/xx/xxxx xxxxx xxxxx HI Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8807310 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-04-22 20:37 Cleared 1 1 1 1
4000119021 xx/xx/xxxx xxxxx xxxxx HI Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8808014 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-22 20:38 Cleared 1 1 1 1
4000119021 xx/xx/xxxx xxxxx xxxxx HI Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8808016 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-04-22 20:38 Cleared 1 1 1 1
4000123439 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8821541 2 of 5 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-22 20:01 Cleared 1 1 3 1
4000123439 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8821542 3 of 5 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-04-22 20:02 Cleared 1 1 3 1
4000124310 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8770738 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-21 13:23 Cleared 1 1 3 1
4000124310 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8777315 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-04-21 13:23 Cleared 1 1 3 1
4000124552 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8793957 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-21 19:46 Cleared 1 1 1 1
4000124552 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8793961 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-04-21 19:46 Cleared 1 1 1 1
4000124552 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8795819 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-04-21 19:47 Cleared 1 1 1 1
4000124960 xx/xx/xxxx xxxxx xxxxx MT Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8808839 1 of 5 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-04-22 21:42 Cleared 1 1 3 1
4000124960 xx/xx/xxxx xxxxx xxxxx MT Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8808840 2 of 5 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-22 21:42 Cleared 1 1 3 1
4000124924 xx/xx/xxxx xxxxx xxxxx TN Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8958015 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-30 14:13 Cleared 1 1 4 1
4000124924 xx/xx/xxxx xxxxx xxxxx TN Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8958019 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-04-30 14:12 Cleared 1 1 4 1
4000124139 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8772479 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-21 18:08 Cleared 1 1 1 1
4000124139 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8772488 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-04-21 18:08 Cleared 1 1 1 1
4000124139 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8775228 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-04-21 18:09 Cleared 1 1 1 1
4000119709 xx/xx/xxxx xxxxx xxxxx FL Second Home Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8947634 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.
 

2026-04-29 20:41 Cleared 1 1 1 1
4000119709 xx/xx/xxxx xxxxx xxxxx FL Second Home Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8947643 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.
 

2026-04-29 20:41 Cleared 1 1 1 1
4000119709 xx/xx/xxxx xxxxx xxxxx FL Second Home Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8950421 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.
 

2026-04-29 20:41 Cleared 1 1 1 1
4000127197 xx/xx/xxxx xxxxx xxxxx MN Second Home Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9218357 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-15 21:18 Cleared 1 1 3 1
4000127197 xx/xx/xxxx xxxxx xxxxx MN Second Home Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9218360 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-05-15 21:18 Cleared 1 1 3 1
4000123861 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8796049 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-21 20:20 Cleared 1 1 4 1
4000123861 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8796056 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-04-21 20:20 Cleared 1 1 4 1
4000125390 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8807948 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-04-22 16:20 Cleared 1 1 3 1
4000125390 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8807950 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-22 16:20 Cleared 1 1 3 1
4000120182 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8929365 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-04-29 15:52 Cleared 1 1 2 2
4000120182 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8933018 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-29 15:52 Cleared 1 1 2 2
4000122567 xx/xx/xxxx xxxxx xxxxx OH Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9003238 2 of 5 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-05-01 19:57 Cleared 1 1 4 1
4000124527 xx/xx/xxxx xxxxx xxxxx IL Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8930471 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-04-29 15:58 Cleared 1 1 1 1
4000124527 xx/xx/xxxx xxxxx xxxxx IL Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8930475 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-29 15:58 Cleared 1 1 1 1
4000124527 xx/xx/xxxx xxxxx xxxxx IL Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8932757 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-04-29 15:58 Cleared 1 1 1 1
4000124674 xx/xx/xxxx xxxxx xxxxx SD Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9030670 3 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-05-05 20:28 Cleared 1 1 4 1
4000124674 xx/xx/xxxx xxxxx xxxxx SD Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9030671 4 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-05 20:28 Cleared 1 1 4 1
4000123768 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9056362 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-05-06 22:19 Cleared 1 1 3 2
4000125204 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8838969 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-04-24 19:46 Cleared 1 1 1 1
4000125204 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8838971 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-04-24 19:46 Cleared 1 1 1 1
4000125204 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8838972 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.
 

2026-04-24 19:46 Cleared 1 1 1 1
4000125095 xx/xx/xxxx xxxxx xxxxx OH Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8841881 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.
 

2026-04-24 20:12 Cleared 1 1 1 1
4000125095 xx/xx/xxxx xxxxx xxxxx OH Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8841883 2 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.
 

2026-04-24 20:13 Cleared 1 1 1 1
4000125095 xx/xx/xxxx xxxxx xxxxx OH Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8841885 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.
 

2026-04-24 20:13 Cleared 1 1 1 1
4000125906 xx/xx/xxxx xxxxx xxxxx WA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9164760 2 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-13 18:35 Cleared 1 1 3 1
4000125906 xx/xx/xxxx xxxxx xxxxx WA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9164771 3 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-05-13 18:35 Cleared 1 1 3 1
4000125106 xx/xx/xxxx xxxxx xxxxx NJ Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9073694 1 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-07 20:25 Cleared 1 1 4 1
4000125106 xx/xx/xxxx xxxxx xxxxx NJ Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9073695 2 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-05-07 20:25 Cleared 1 1 4 1
4000125416 xx/xx/xxxx xxxxx xxxxx AZ Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9148887 1 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-13 21:22 Cleared 1 1 3 1
4000126200 xx/xx/xxxx xxxxx xxxxx TX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8978145 2 of 5 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-05-01 21:12 Cleared 1 1 3 1
4000126200 xx/xx/xxxx xxxxx xxxxx TX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8978146 3 of 5 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-01 21:12 Cleared 1 1 3 1
4000128894 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9074807 5 of 10 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.
 

2026-05-07 21:18 Cleared 1 1 3 1
4000124728 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9177880 2 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-05-14 19:06 Cleared 1 1 3 1
4000124728 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9177881 3 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-14 19:06 Cleared 1 1 3 1
4000126991 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9050614 1 of 2 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-05 19:13 Cleared 1 1 3 1
4000126991 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9050615 2 of 2 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-05-05 19:13 Cleared 1 1 3 1
4000126004 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9096004 4 of 6 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-08 18:45 Cleared 1 1 4 1
4000126004 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9104559 5 of 6 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-05-08 18:46 Cleared 1 1 4 1
400012xxxxxx xx/xx/xxxx xxxxx xxxxx ID Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9050466 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.
 

2026-05-07 00:18 Cleared 1 1 3 1
400012xxxxxx xx/xx/xxxx xxxxx xxxxx ID Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9070672 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-05-07 00:18 Cleared 1 1 3 1
4000123558 xx/xx/xxxx xxxxx xxxxx VA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9073657 1 of 5 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA with Low Risk and CDA to Appraisal value with xxxxxx% variance which meets the lender's guidelines.





2026-05-07 21:24 Cleared 1 1 4 1
4000126981 xx/xx/xxxx xxxxx xxxxx MT Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9110611 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-05-11 16:38 Cleared 1 1 3 1
4000125893 xx/xx/xxxx xxxxx xxxxx GA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9201364 3 of 5 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-15 16:34 Cleared 1 1 3 1
4000131660 xx/xx/xxxx xxxxx xxxxx TX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9377365 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU a with risk score = / < xxxxxx which meets the lender's guidelines.





2026-05-27 12:51 Cleared 1 1 3 1
4000131660 xx/xx/xxxx xxxxx xxxxx TX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9377366 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-05-27 12:51 Cleared 1 1 3 1
4000127460 xx/xx/xxxx xxxxx xxxxx NJ Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9163092 3 of 5 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-15 15:07 Cleared 1 1 4 1
4000127460 xx/xx/xxxx xxxxx xxxxx NJ Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9177451 5 of 5 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-05-15 15:07 Cleared 1 1 4 1
4000126083 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9248075 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-18 17:36 Cleared 1 1 3 1
4000126083 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9248082 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-05-18 17:36 Cleared 1 1 3 1
4000124147 xx/xx/xxxx xxxxx xxxxx PA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9190808 1 of 5 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-15 17:31 Cleared 1 1 4 1
4000120048 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9254099 4 of 5 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-19 17:34 Cleared 1 1 3 1
4000120048 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9254105 5 of 5 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-05-19 17:34 Cleared 1 1 3 1
4000127597 xx/xx/xxxx xxxxx xxxxx WA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9400256 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-05-28 12:44 Cleared 1 1 3 1
4000125319 xx/xx/xxxx xxxxx xxxxx VT Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9561818 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-04 20:11 Cleared 1 1 3 1
4000125319 xx/xx/xxxx xxxxx xxxxx VT Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9564841 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-04 20:11 Cleared 1 1 3 1
4000134383 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9751737 2 of 8 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-16 14:02 Cleared 1 1 3 2
4000134383 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9751800 3 of 8 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-16 14:02 Cleared 1 1 3 2
4000125808 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9368428 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-05-26 17:09 Cleared 1 1 1 1
4000125808 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9368433 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-05-26 17:09 Cleared 1 1 1 1
4000125808 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9368442 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-26 17:09 Cleared 1 1 1 1
4000125903 xx/xx/xxxx xxxxx xxxxx NC Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9558077 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. Informational





2026-06-04 20:06 Cleared 1 1 1 1
4000125903 xx/xx/xxxx xxxxx xxxxx NC Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9558085 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-04 21:21 Cleared 1 1 1 1
4000125903 xx/xx/xxxx xxxxx xxxxx NC Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9558592 3 of 3 xx/xx/xxxx Credit Assets - Large Deposits The loan file does not contain all required asset documentation. Asset statements in file verified a large deposit which when removed from assets results in a shortage and the loan file does not contain sufficient documentation to source the deposit. Provide a letter of explanation for the following deposits: (1)  $xxxxxx(2)  $xxxxxx (3)  $xxxxxx Informational




2026-06-04 20:06 Cleared 1 1 1 1
4000129260 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9283407 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-05-20 16:58 Cleared 1 1 3 1
4000129260 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9283416 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-20 16:59 Cleared 1 1 3 1
4000122969 xx/xx/xxxx xxxxx xxxxx AZ Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9330180 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-22 17:39 Cleared 1 1 3 1
4000122969 xx/xx/xxxx xxxxx xxxxx AZ Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9333674 2 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-05-22 17:39 Cleared 1 1 3 1
4000120227 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9394064 6 of 11 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-27 19:52 Cleared 1 1 4 1
4000124921 xx/xx/xxxx xxxxx xxxxx TN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9672276 4 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-11 16:20 Cleared 1 1 4 1
4000128915 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9182974 2 of 6 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-05-15 17:09 Cleared 1 1 3 2
4000126772 xx/xx/xxxx xxxxx xxxxx OR Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9208806 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-15 21:03 Cleared 1 1 3 1
4000126772 xx/xx/xxxx xxxxx xxxxx OR Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9219087 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-05-15 21:03 Cleared 1 1 3 1
4000127362 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9338758 5 of 5 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-05-26 14:03 Cleared 1 1 3 1
4000129891 xx/xx/xxxx xxxxx xxxxx NC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9609815 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. Informational





2026-06-08 21:43 Cleared 1 1 3 1
4000129891 xx/xx/xxxx xxxxx xxxxx NC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9609821 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. Informational





2026-06-08 21:43 Cleared 1 1 3 1
4000129117 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9298171 4 of 6 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-20 21:49 Cleared 1 1 3 1
4000129117 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9298172 5 of 6 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-05-20 21:49 Cleared 1 1 3 1
4000126381 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9536487 4 of 6 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-03 21:48 Cleared 1 1 3 1
4000123198 xx/xx/xxxx xxxxx xxxxx MN Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9553191 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines. Informational





2026-06-04 20:07 Cleared 1 1 1 1
4000123198 xx/xx/xxxx xxxxx xxxxx MN Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9553193 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. Informational





2026-06-04 20:07 Cleared 1 1 1 1
4000123198 xx/xx/xxxx xxxxx xxxxx MN Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9553196 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. Informational





2026-06-04 20:07 Cleared 1 1 1 1
4000128701 xx/xx/xxxx xxxxx xxxxx TX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9326697 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-05-21 21:30 Cleared 1 1 3 1
4000128738 xx/xx/xxxx xxxxx xxxxx TX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9327172 1 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-05-22 16:16 Cleared 1 1 3 1
4000128738 xx/xx/xxxx xxxxx xxxxx TX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9327173 2 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-22 16:16 Cleared 1 1 3 1
4000128825 xx/xx/xxxx xxxxx xxxxx TX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9355026 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-05-26 13:20 Cleared 1 1 3 1
4000127095 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9384172 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-28 13:36 Cleared 1 1 3 1
4000128538 xx/xx/xxxx xxxxx xxxxx FL Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9421318 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-05-28 21:26 Cleared 1 1 3 1
4000128538 xx/xx/xxxx xxxxx xxxxx FL Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9421326 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-28 21:27 Cleared 1 1 3 1
4000134373 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9754184 5 of 7 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-16 14:20 Cleared 1 1 4 2
4000128116 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9339247 3 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-22 17:32 Cleared 1 1 3 1
4000128116 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9339250 4 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-05-22 17:33 Cleared 1 1 3 1
4000124817 xx/xx/xxxx xxxxx xxxxx NJ Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9381504 1 of 4 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-05-27 20:07 Cleared 1 1 3 1
4000124817 xx/xx/xxxx xxxxx xxxxx NJ Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9381514 2 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-27 20:07 Cleared 1 1 3 1
4000128521 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9423243 1 of 6 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-29 12:28 Cleared 1 1 3 1
4000128521 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9436099 6 of 6 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-05-29 12:27 Cleared 1 1 3 1
4000130002 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9457731 3 of 6 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-31 19:53 Cleared 1 1 3 1
4000128150 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9500988 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-02 21:18 Cleared 1 1 3 1
4000128150 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9500989 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-02 21:18 Cleared 1 1 3 1
4000128888 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9314594 2 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-05-21 17:25 Cleared 1 1 3 1
4000127933 xx/xx/xxxx xxxxx xxxxx TX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9402395 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-27 21:32 Cleared 1 1 3 1
4000127933 xx/xx/xxxx xxxxx xxxxx TX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9404252 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-05-27 21:32 Cleared 1 1 3 1
4000128444 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9418925 1 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.
 - xx/xx/xxxx

 The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.
 - xx/xx/xxxx

 2026-06-01 14:11 Cleared 1 1 3 1
4000128444 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9425499 2 of 4 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



The loan meets all applicable compliance guidelines.
 - xx/xx/xxxx

 The loan meets all applicable compliance guidelines.
 - xx/xx/xxxx

 2026-06-01 14:12 Cleared 1 1 3 1
4000129230 xx/xx/xxxx xxxxx xxxxx CA Second Home Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9491491 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-02 20:43 Cleared 1 1 3 1
4000129230 xx/xx/xxxx xxxxx xxxxx CA Second Home Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9502119 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-06-02 20:43 Cleared 1 1 3 1
4000119425 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9502341 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-03 15:14 Cleared 1 1 1 1
4000119425 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9502345 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-03 15:13 Cleared 1 1 1 1
4000119425 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9508909 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-03 15:13 Cleared 1 1 1 1
4000130502 xx/xx/xxxx xxxxx xxxxx SC Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9555450 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-04 19:17 Cleared 1 1 1 1
4000130502 xx/xx/xxxx xxxxx xxxxx SC Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9555456 2 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-06-04 19:17 Cleared 1 1 1 1
4000130502 xx/xx/xxxx xxxxx xxxxx SC Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9555459 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-04 19:18 Cleared 1 1 1 1
4000129208 xx/xx/xxxx xxxxx xxxxx NV Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9380132 1 of 6 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-27 16:31 Cleared 1 1 4 1
4000131074 xx/xx/xxxx xxxxx xxxxx PA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9382685 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-05-27 13:59 Cleared 1 1 1 1
4000131074 xx/xx/xxxx xxxxx xxxxx PA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9382689 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-27 14:00 Cleared 1 1 1 1
4000131074 xx/xx/xxxx xxxxx xxxxx PA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9385307 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-05-27 14:00 Cleared 1 1 1 1
4000128720 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Refinance QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) 9424076 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-05-29 18:18 Cleared 1 1 1 1
4000128720 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Refinance QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) 9424077 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-29 18:18 Cleared 1 1 1 1
4000128720 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Refinance QM: Higher Priced APOR (APOR HP) QM: Higher Priced APOR (APOR HP) 9432583 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-05-29 18:18 Cleared 1 1 1 1
4000129986 xx/xx/xxxx xxxxx xxxxx VA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9434418 2 of 5 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-29 21:04 Cleared 1 1 4 1
4000128447 xx/xx/xxxx xxxxx xxxxx MI Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9440466 2 of 4 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-05-31 19:55 Cleared 1 1 3 1
4000128447 xx/xx/xxxx xxxxx xxxxx MI Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9440488 3 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-05-31 19:55 Cleared 1 1 3 1
4000130656 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9461699 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-05-31 19:56 Cleared 1 1 4 1
4000130656 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9461704 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-05-31 19:56 Cleared 1 1 4 1
4000130544 xx/xx/xxxx xxxxx xxxxx AR Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9542543 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-04 17:47 Cleared 1 1 1 1
4000130544 xx/xx/xxxx xxxxx xxxxx AR Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9542547 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-04 17:47 Cleared 1 1 1 1
4000130544 xx/xx/xxxx xxxxx xxxxx AR Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9542549 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-04 17:47 Cleared 1 1 1 1
4000128919 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9376039 5 of 8 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-05-26 19:20 Cleared 1 1 3 1
4000126824 xx/xx/xxxx xxxxx xxxxx TX Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9409032 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-29 16:04 Cleared 1 1 3 1
4000126824 xx/xx/xxxx xxxxx xxxxx TX Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9424915 2 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-05-29 16:04 Cleared 1 1 3 1
4000130100 xx/xx/xxxx xxxxx xxxxx FL Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9427618 1 of 4 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-05-29 19:22 Cleared 1 1 3 1
4000130100 xx/xx/xxxx xxxxx xxxxx FL Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9427627 2 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-29 19:22 Cleared 1 1 3 1
4000130828 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9435746 3 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-29 16:53 Cleared 1 1 4 1
4000130828 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9435753 4 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-05-29 16:53 Cleared 1 1 4 1
4000129263 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9468857 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-01 17:17 Cleared 1 1 1 1
4000129263 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9468858 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-01 17:17 Cleared 1 1 1 1
4000129263 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9468859 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-01 17:17 Cleared 1 1 1 1
4000123408 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9395271 2 of 7 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-05-28 17:02 Cleared 1 1 3 1
4000129210 xx/xx/xxxx xxxxx xxxxx IL Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9400158 3 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-28 16:16 Cleared 1 1 3 1
4000123408 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9410754 6 of 7 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-28 16:58 Cleared 1 1 3 1
4000129210 xx/xx/xxxx xxxxx xxxxx IL Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9420298 4 of 4 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-05-28 16:16 Cleared 1 1 3 1
4000127599 xx/xx/xxxx xxxxx xxxxx SC Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9492394 1 of 5 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-03 14:34 Cleared 1 1 3 1
4000127599 xx/xx/xxxx xxxxx xxxxx SC Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9492396 2 of 5 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-03 14:34 Cleared 1 1 3 1
4000129759 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9513368 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-03 13:46 Cleared 1 1 3 1
4000129759 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9516766 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-06-03 13:46 Cleared 1 1 3 1
4000127010 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9518026 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-03 17:32 Cleared 1 1 1 1
4000127010 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9518027 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-03 17:35 Cleared 1 1 1 1
4000127010 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9518028 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-03 17:34 Cleared 1 1 1 1
4000131638 xx/xx/xxxx xxxxx xxxxx NC Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9541137 2 of 4 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-04 14:55 Cleared 1 1 2 2
4000131638 xx/xx/xxxx xxxxx xxxxx NC Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9541138 3 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-04 14:55 Cleared 1 1 2 2
4000131638 xx/xx/xxxx xxxxx xxxxx NC Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9544057 4 of 4 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-06-04 14:56 Cleared 1 1 2 2
4000127258 xx/xx/xxxx xxxxx xxxxx TN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9561663 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-05 14:25 Cleared 1 1 1 1
4000127258 xx/xx/xxxx xxxxx xxxxx TN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9561666 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-05 14:25 Cleared 1 1 1 1
4000127258 xx/xx/xxxx xxxxx xxxxx TN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9566847 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-05 14:25 Cleared 1 1 1 1
4000128326 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9569617 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-07 14:54 Cleared 1 1 1 1
4000128326 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9569618 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-07 14:54 Cleared 1 1 1 1
4000129795 xx/xx/xxxx xxxxx xxxxx TX Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9590763 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-08 15:15 Cleared 1 1 3 1
4000129795 xx/xx/xxxx xxxxx xxxxx TX Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9590767 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-08 15:15 Cleared 1 1 3 1
4000128326 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9595659 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-07 14:54 Cleared 1 1 1 1
4000127494 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9698261 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines. Informational





2026-06-12 16:11 Cleared 1 1 1 1
4000127494 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9698262 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. Informational





2026-06-12 16:11 Cleared 1 1 1 1
4000127494 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9698267 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. Informational





2026-06-12 16:11 Cleared 1 1 1 1
4000129010 xx/xx/xxxx xxxxx xxxxx IL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9437177 3 of 5 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU a with risk score = / < xxxxxx which meets the lender's guidelines.





2026-05-29 16:33 Cleared 1 1 3 1
4000129010 xx/xx/xxxx xxxxx xxxxx IL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9437681 5 of 5 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-05-29 16:33 Cleared 1 1 3 1
4000126786 xx/xx/xxxx xxxxx xxxxx VA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9525170 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-03 22:09 Cleared 1 1 1 1
4000126786 xx/xx/xxxx xxxxx xxxxx VA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9525176 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-03 22:09 Cleared 1 1 1 1
4000126786 xx/xx/xxxx xxxxx xxxxx VA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9525179 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-03 22:10 Cleared 1 1 1 1
4000128882 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9538519 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-04 13:03 Cleared 1 1 3 1
4000128882 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9538521 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-04 13:14 Cleared 1 1 3 1
4000130842 xx/xx/xxxx xxxxx xxxxx NC Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9542107 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-04 17:29 Cleared 1 1 2 1
4000130842 xx/xx/xxxx xxxxx xxxxx NC Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9542165 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-04 17:29 Cleared 1 1 2 1
4000129359 xx/xx/xxxx xxxxx xxxxx OH Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9560071 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-07 13:36 Cleared 1 1 3 1
4000129754 xx/xx/xxxx xxxxx xxxxx UT Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9560140 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines. Informational





2026-06-04 21:08 Cleared 1 1 1 1
4000129754 xx/xx/xxxx xxxxx xxxxx UT Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9560141 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-04 21:08 Cleared 1 1 1 1
4000129754 xx/xx/xxxx xxxxx xxxxx UT Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9560142 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. Informational





2026-06-04 20:06 Cleared 1 1 1 1
4000129359 xx/xx/xxxx xxxxx xxxxx OH Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9564419 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-06-07 13:36 Cleared 1 1 3 1
4000127987 xx/xx/xxxx xxxxx xxxxx MS Second Home Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9577188 6 of 6 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-05 14:36 Cleared 1 1 4 1
4000128449 xx/xx/xxxx xxxxx xxxxx TX Second Home Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9580633 5 of 5 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-05 18:22 Cleared 1 1 3 1
4000128703 xx/xx/xxxx xxxxx xxxxx MO Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9589177 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-08 16:30 Cleared 1 1 1 1
4000128703 xx/xx/xxxx xxxxx xxxxx MO Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9589185 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-08 16:31 Cleared 1 1 1 1
4000128703 xx/xx/xxxx xxxxx xxxxx MO Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9609067 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-08 16:30 Cleared 1 1 1 1
4000129797 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9729457 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-15 19:30 Cleared 1 1 3 1
4000129797 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9729463 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-15 19:31 Cleared 1 1 3 1
4000126800 xx/xx/xxxx xxxxx xxxxx PA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9749959 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-15 19:06 Cleared 1 1 1 1
4000126800 xx/xx/xxxx xxxxx xxxxx PA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9749960 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-15 19:06 Cleared 1 1 1 1
4000126800 xx/xx/xxxx xxxxx xxxxx PA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9749962 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-15 19:06 Cleared 1 1 1 1
4000129611 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9466123 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-05-31 19:58 Cleared 1 1 3 2
4000129611 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9466124 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-31 19:58 Cleared 1 1 3 2
4000131992 xx/xx/xxxx xxxxx xxxxx PA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9476019 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-01 18:52 Cleared 1 1 1 1
4000131992 xx/xx/xxxx xxxxx xxxxx PA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9476028 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-01 18:52 Cleared 1 1 1 1
4000131992 xx/xx/xxxx xxxxx xxxxx PA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9476031 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-01 18:53 Cleared 1 1 1 1
4000130567 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9490604 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-02 19:04 Cleared 1 1 3 1
4000130567 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9490605 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-02 19:04 Cleared 1 1 3 1
4000131543 xx/xx/xxxx xxxxx xxxxx WA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx793 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-02 20:14 Cleared 1 1 3 1
4000131543 xx/xx/xxxx xxxxx xxxxx WA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt xxxxxx796 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-02 20:14 Cleared 1 1 3 1
4000125691 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9536238 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-03 21:41 Cleared 1 1 3 1
4000125602 xx/xx/xxxx xxxxx xxxxx LA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9536660 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-04 21:06 Cleared 1 1 1 1
4000125602 xx/xx/xxxx xxxxx xxxxx LA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9536666 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-04 20:05 Cleared 1 1 1 1
4000125602 xx/xx/xxxx xxxxx xxxxx LA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9536673 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-04 20:05 Cleared 1 1 1 1
4000131672 xx/xx/xxxx xxxxx xxxxx CT Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9538511 2 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-06-03 22:34 Cleared 1 1 3 1
4000131412 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9569552 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-07 15:04 Cleared 1 1 1 1
4000131412 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9569562 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-07 15:04 Cleared 1 1 1 1
4000131412 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9569572 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-07 15:04 Cleared 1 1 1 1
4000131257 xx/xx/xxxx xxxxx xxxxx AR Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9587304 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-08 18:11 Cleared 1 1 3 1
4000131257 xx/xx/xxxx xxxxx xxxxx AR Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9589092 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-06-08 18:11 Cleared 1 1 3 1
4000129987 xx/xx/xxxx xxxxx xxxxx TN Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9614259 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-09 17:03 Cleared 1 1 1 1
4000129987 xx/xx/xxxx xxxxx xxxxx TN Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9614265 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-09 17:03 Cleared 1 1 1 1
4000129987 xx/xx/xxxx xxxxx xxxxx TN Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9614275 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-09 17:04 Cleared 1 1 1 1
4000128004 xx/xx/xxxx xxxxx xxxxx MS Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9619781 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-09 20:45 Cleared 1 1 3 1
4000128004 xx/xx/xxxx xxxxx xxxxx MS Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9619782 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-09 20:45 Cleared 1 1 3 1
4000128800 xx/xx/xxxx xxxxx xxxxx CA Second Home Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9727457 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



The loan meets all applicable credit guidelines. - xx/xx/xxxx

 The loan meets all applicable credit guidelines. - xx/xx/xxxx

 2026-06-13 13:10 Cleared 1 1 1 1
4000128800 xx/xx/xxxx xxxxx xxxxx CA Second Home Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9727470 2 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



The loan meets all applicable compliance guidelines. - xx/xx/xxxx

 The loan meets all applicable compliance guidelines. - xx/xx/xxxx

 2026-06-13 13:09 Cleared 1 1 1 1
4000128800 xx/xx/xxxx xxxxx xxxxx CA Second Home Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9727478 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 2026-06-13 13:10 Cleared 1 1 1 1
4000128945 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9466016 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-05-31 19:57 Cleared 1 1 1 1
4000128945 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9466018 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-05-31 19:58 Cleared 1 1 1 1
4000128945 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9467342 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-05-31 19:58 Cleared 1 1 1 1
4000130957 xx/xx/xxxx xxxxx xxxxx TX Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9476540 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-02 21:09 Cleared 1 1 1 1
4000130957 xx/xx/xxxx xxxxx xxxxx TX Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9476544 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-02 21:09 Cleared 1 1 1 1
4000131131 xx/xx/xxxx xxxxx xxxxx TN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9478221 1 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-02 18:14 Cleared 1 1 3 2
4000129120 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9480453 4 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-01 22:40 Cleared 1 1 3 1
4000129118 xx/xx/xxxx xxxxx xxxxx PA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9481941 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-02 16:01 Cleared 1 1 1 1
4000129118 xx/xx/xxxx xxxxx xxxxx PA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9481949 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-02 16:01 Cleared 1 1 1 1
4000129118 xx/xx/xxxx xxxxx xxxxx PA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9481952 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-02 16:02 Cleared 1 1 1 1
4000129177 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9483642 2 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-01 21:55 Cleared 1 1 3 1
4000129496 xx/xx/xxxx xxxxx xxxxx TX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9505262 3 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-02 20:20 Cleared 1 1 3 1
4000129496 xx/xx/xxxx xxxxx xxxxx TX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9505521 4 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-02 20:20 Cleared 1 1 3 1
4000130957 xx/xx/xxxx xxxxx xxxxx TX Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9508259 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-06-02 21:09 Cleared 1 1 1 1
4000129734 xx/xx/xxxx xxxxx xxxxx PA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9526306 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-03 19:54 Cleared 1 1 3 1
4000129734 xx/xx/xxxx xxxxx xxxxx PA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9527705 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-03 19:54 Cleared 1 1 3 1
4000131111 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9540152 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-04 18:59 Cleared 1 1 1 1
4000131111 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9544097 2 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-06-04 19:00 Cleared 1 1 1 1
4000131111 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9552159 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-04 19:00 Cleared 1 1 1 1
4000127588 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9562919 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-05 17:20 Cleared 1 1 3 1
4000127588 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9562920 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-05 17:20 Cleared 1 1 3 1
4000130688 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9577032 2 of 10 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-05 21:01 Cleared 1 1 4 1
4000127508 xx/xx/xxxx xxxxx xxxxx OH Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9581009 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-07 15:05 Cleared 1 1 4 1
4000127508 xx/xx/xxxx xxxxx xxxxx OH Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9581021 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-07 15:05 Cleared 1 1 4 1
4000129278 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9589731 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-07 14:55 Cleared 1 1 1 1
4000129278 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9589732 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-07 14:56 Cleared 1 1 1 1
4000128013 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9594007 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-08 21:12 Cleared 1 1 2 1
4000128013 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9594013 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-08 21:12 Cleared 1 1 2 1
4000129278 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9595661 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-07 14:58 Cleared 1 1 1 1
4000128975 xx/xx/xxxx xxxxx xxxxx AZ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9608229 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-09 16:37 Cleared 1 1 2 2
4000128975 xx/xx/xxxx xxxxx xxxxx AZ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9608230 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-09 16:37 Cleared 1 1 2 2
4000131866 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9698382 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines. Informational





2026-06-12 15:58 Cleared 1 1 1 1
4000131866 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9698392 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. Informational





2026-06-12 15:58 Cleared 1 1 1 1
4000131866 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9703991 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. Informational





2026-06-12 15:58 Cleared 1 1 1 1
4000130305 xx/xx/xxxx xxxxx xxxxx MD Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9482690 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-02 17:27 Cleared 1 1 3 1
4000130305 xx/xx/xxxx xxxxx xxxxx MD Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9482697 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-02 17:27 Cleared 1 1 3 1
4000126568 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9486209 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-02 19:14 Cleared 1 1 3 1
4000126568 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9486220 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-02 19:10 Cleared 1 1 3 1
4000127705 xx/xx/xxxx xxxxx xxxxx TX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9502421 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-03 22:39 Cleared 1 1 3 1
4000127705 xx/xx/xxxx xxxxx xxxxx TX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9502422 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-03 22:39 Cleared 1 1 3 1
4000130386 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9507269 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-03 13:30 Cleared 1 1 1 1
4000130386 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9507286 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-03 13:31 Cleared 1 1 1 1
4000130386 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9510351 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-03 13:31 Cleared 1 1 1 1
4000128681 xx/xx/xxxx xxxxx xxxxx TN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9512761 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-03 19:10 Cleared 1 1 1 1
4000128681 xx/xx/xxxx xxxxx xxxxx TN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9512762 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-03 19:11 Cleared 1 1 1 1
4000128681 xx/xx/xxxx xxxxx xxxxx TN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9516278 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-03 19:11 Cleared 1 1 1 1
4000131803 xx/xx/xxxx xxxxx xxxxx VA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9535747 1 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-06-05 14:44 Cleared 1 1 3 1
4000131803 xx/xx/xxxx xxxxx xxxxx VA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9535748 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-05 14:44 Cleared 1 1 3 1
4000129944 xx/xx/xxxx xxxxx xxxxx MD Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9542470 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-04 15:01 Cleared 1 1 3 1
4000129944 xx/xx/xxxx xxxxx xxxxx MD Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9544880 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-04 15:01 Cleared 1 1 3 1
4000131172 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9544988 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-04 20:49 Cleared 1 1 1 1
4000131172 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9545011 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-04 20:48 Cleared 1 1 1 1
4000131172 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9566115 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
 - xx/xx/xxxx

 DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
 - xx/xx/xxxx

 2026-06-04 20:50 Cleared 1 1 1 1
4000126428 xx/xx/xxxx xxxxx xxxxx GA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9586278 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-07 15:08 Cleared 1 1 3 1
4000126428 xx/xx/xxxx xxxxx xxxxx GA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9586316 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-06-07 15:08 Cleared 1 1 3 1
4000127591 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9595176 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-08 17:16 Cleared 1 1 1 1
4000127591 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9604202 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-08 17:16 Cleared 1 1 1 1
4000127591 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9604345 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-06-08 17:16 Cleared 1 1 1 1
4000130704 xx/xx/xxxx xxxxx xxxxx WA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9628232 2 of 5 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-09 22:19 Cleared 1 1 3 1
4000130704 xx/xx/xxxx xxxxx xxxxx WA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9628240 3 of 5 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-09 22:20 Cleared 1 1 3 1
4000131536 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9639636 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-10 18:07 Cleared 1 1 3 1
4000131536 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9640797 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-06-10 18:07 Cleared 1 1 3 1
4000128253 xx/xx/xxxx xxxxx xxxxx TX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9684472 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-11 18:14 Cleared 1 1 1 1
4000128253 xx/xx/xxxx xxxxx xxxxx TX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9684474 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-11 18:14 Cleared 1 1 1 1
4000128253 xx/xx/xxxx xxxxx xxxxx TX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9684476 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-11 18:14 Cleared 1 1 1 1
4000128133 xx/xx/xxxx xxxxx xxxxx ID Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9701975 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



The loan meets all applicable credit guidelines. - xx/xx/xxxx

 The loan meets all applicable credit guidelines. - xx/xx/xxxx

 2026-06-13 12:46 Cleared 1 1 1 1
4000128133 xx/xx/xxxx xxxxx xxxxx ID Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9701989 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 2026-06-13 12:47 Cleared 1 1 1 1
4000128133 xx/xx/xxxx xxxxx xxxxx ID Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9701996 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 2026-06-13 12:47 Cleared 1 1 1 1
4000132371 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9726835 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



The loan meets all applicable credit guidelines. - xx/xx/xxxx

 The loan meets all applicable credit guidelines. - xx/xx/xxxx

 2026-06-13 13:24 Cleared 1 1 1 1
4000132371 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9726836 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 2026-06-13 13:24 Cleared 1 1 1 1
4000132371 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9726837 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 2026-06-13 13:25 Cleared 1 1 1 1
4000131083 xx/xx/xxxx xxxxx xxxxx NJ Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9512684 3 of 6 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-04 14:30 Cleared 1 1 3 2
4000132437 xx/xx/xxxx xxxxx xxxxx PA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9519366 3 of 5 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-03 19:40 Cleared 1 1 3 1
4000132437 xx/xx/xxxx xxxxx xxxxx PA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9526837 5 of 5 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-03 19:38 Cleared 1 1 3 1
4000131925 xx/xx/xxxx xxxxx xxxxx NE Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9527174 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-04 14:14 Cleared 1 1 3 1
4000131925 xx/xx/xxxx xxxxx xxxxx NE Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9527186 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-04 14:14 Cleared 1 1 3 1
4000128839 xx/xx/xxxx xxxxx xxxxx MD Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9528059 1 of 3 xx/xx/xxxx Credit Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd party VOE prior to close missing. Lender to provide the 10 day pre-close VVOE for the borrower 





2026-06-04 19:33 Cleared 1 1 1 1
4000128839 xx/xx/xxxx xxxxx xxxxx MD Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9533174 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-04 19:34 Cleared 1 1 1 1
4000128839 xx/xx/xxxx xxxxx xxxxx MD Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9537310 3 of 3 xx/xx/xxxx Compliance TRID: Missing Initial Closing Disclosure The loan file does not contain the initial Closing Disclosure. File is missing initial closing disclosure and any subsequent CDs prior to final CD.





2026-06-04 19:34 Cleared 1 1 1 1
4000131246 xx/xx/xxxx xxxxx xxxxx TX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9539223 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-04 21:03 Cleared 1 1 1 1
4000131246 xx/xx/xxxx xxxxx xxxxx TX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9539224 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-04 21:04 Cleared 1 1 1 1
4000131246 xx/xx/xxxx xxxxx xxxxx TX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9539228 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-04 21:04 Cleared 1 1 1 1
4000131115 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9546108 1 of 8 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-05 15:05 Cleared 1 1 4 1
4000131115 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9546112 2 of 8 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-05 15:05 Cleared 1 1 4 1
4000130507 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9558666 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. Informational





2026-06-04 20:08 Cleared 1 1 1 1
4000130507 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9558674 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. Informational





2026-06-04 20:08 Cleared 1 1 1 1
4000130507 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9560953 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines. Informational





2026-06-04 20:08 Cleared 1 1 1 1
4000132346 xx/xx/xxxx xxxxx xxxxx IL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9561906 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-05 17:31 Cleared 1 1 1 1
4000132346 xx/xx/xxxx xxxxx xxxxx IL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9561915 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-05 17:31 Cleared 1 1 1 1
4000132346 xx/xx/xxxx xxxxx xxxxx IL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9561916 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-05 17:30 Cleared 1 1 1 1
4000128787 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9565240 2 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-07 15:09 Cleared 1 1 3 1
4000128787 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9565416 3 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-07 15:09 Cleared 1 1 3 1
4000129967 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9582967 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-08 16:39 Cleared 1 1 1 1
4000129967 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9582971 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-08 16:42 Cleared 1 1 1 1
4000129967 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9582976 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-08 16:42 Cleared 1 1 1 1
4000131999 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9583263 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-07 15:08 Cleared 1 1 1 1
4000131999 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9583264 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-07 15:08 Cleared 1 1 1 1
4000131272 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9594528 2 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-08 20:26 Cleared 1 1 3 1
4000131999 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9595663 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-07 15:08 Cleared 1 1 1 1
4000130234 xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9605319 2 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-08 21:02 Cleared 1 1 3 1
4000130234 xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9605326 3 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-08 21:02 Cleared 1 1 3 1
4000131272 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9606043 4 of 4 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-06-08 20:27 Cleared 1 1 3 1
4000130924 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9616536 2 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-09 19:03 Cleared 1 1 4 1
4000130924 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9616541 3 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-09 19:03 Cleared 1 1 4 1
4000131019 xx/xx/xxxx xxxxx xxxxx IL Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9619200 10 of 12 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-09 15:14 Cleared 1 1 4 1
4000131019 xx/xx/xxxx xxxxx xxxxx IL Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9619213 11 of 12 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-09 15:14 Cleared 1 1 4 1
4000131800 xx/xx/xxxx xxxxx xxxxx MI Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9627055 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-09 21:40 Cleared 1 1 1 1
4000131800 xx/xx/xxxx xxxxx xxxxx MI Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9627066 2 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-06-09 21:40 Cleared 1 1 1 1
4000131800 xx/xx/xxxx xxxxx xxxxx MI Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9627069 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-09 21:41 Cleared 1 1 1 1
4000129712 xx/xx/xxxx xxxxx xxxxx FL Second Home Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9627482 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-09 22:11 Cleared 1 1 1 1
4000129712 xx/xx/xxxx xxxxx xxxxx FL Second Home Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9627485 2 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-06-09 22:11 Cleared 1 1 1 1
4000131506 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9629278 1 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-06-09 21:34 Cleared 1 1 1 1
4000131506 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9629279 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-09 21:34 Cleared 1 1 1 1
4000131506 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9629282 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-09 21:34 Cleared 1 1 1 1
4000129712 xx/xx/xxxx xxxxx xxxxx FL Second Home Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9636693 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-09 22:11 Cleared 1 1 1 1
4000129680 xx/xx/xxxx xxxxx xxxxx NJ Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9637015 2 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-06-09 20:40 Cleared 1 1 4 1
4000131447 xx/xx/xxxx xxxxx xxxxx TX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9640518 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-10 21:08 Cleared 1 1 3 1
4000131447 xx/xx/xxxx xxxxx xxxxx TX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9640525 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-10 21:08 Cleared 1 1 3 1
4000131938 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9643244 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-11 15:59 Cleared 1 1 1 1
4000129969 xx/xx/xxxx xxxxx xxxxx VT Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9643449 1 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-10 17:50 Cleared 1 1 2 2
4000129969 xx/xx/xxxx xxxxx xxxxx VT Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9651734 4 of 4 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-06-10 17:50 Cleared 1 1 2 2
4000131938 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9665912 2 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-06-11 15:59 Cleared 1 1 1 1
4000126640 xx/xx/xxxx xxxxx xxxxx TN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9669292 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-11 18:08 Cleared 1 1 1 1
4000126640 xx/xx/xxxx xxxxx xxxxx TN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9669297 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-11 18:08 Cleared 1 1 1 1
4000126640 xx/xx/xxxx xxxxx xxxxx TN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9672062 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-11 18:08 Cleared 1 1 1 1
4000131938 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9673429 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-11 15:59 Cleared 1 1 1 1
4000129766 xx/xx/xxxx xxxxx xxxxx NV Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9700312 1 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines. Informational





2026-06-12 16:01 Cleared 1 1 3 1
4000129766 xx/xx/xxxx xxxxx xxxxx NV Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9700314 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. Informational





2026-06-12 16:01 Cleared 1 1 3 1
4000133104 xx/xx/xxxx xxxxx xxxxx IL Second Home Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9702927 1 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines. Informational





2026-06-12 18:05 Cleared 1 1 1 1
4000133104 xx/xx/xxxx xxxxx xxxxx IL Second Home Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9702933 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines. Informational





2026-06-12 18:05 Cleared 1 1 1 1
4000133104 xx/xx/xxxx xxxxx xxxxx IL Second Home Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9702940 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. Informational





2026-06-12 18:05 Cleared 1 1 1 1
4000129025 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9740750 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-15 15:01 Cleared 1 1 3 1
4000129025 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9741503 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-15 15:00 Cleared 1 1 3 1
4000129478 xx/xx/xxxx xxxxx xxxxx VA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9757099 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-16 21:48 Cleared 1 1 3 1
4000129478 xx/xx/xxxx xxxxx xxxxx VA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9757105 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-16 21:48 Cleared 1 1 3 1
4000131810 xx/xx/xxxx xxxxx xxxxx IL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9580243 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-07 15:00 Cleared 1 1 1 1
4000131810 xx/xx/xxxx xxxxx xxxxx IL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9580244 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-07 15:00 Cleared 1 1 1 1
4000131810 xx/xx/xxxx xxxxx xxxxx IL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9580245 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-07 15:00 Cleared 1 1 1 1
4000131503 xx/xx/xxxx xxxxx xxxxx PA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9582370 5 of 6 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-08 17:50 Cleared 1 1 4 1
4000132000 xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9590102 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-08 16:53 Cleared 1 1 1 1
4000132000 xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9590107 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-08 16:53 Cleared 1 1 1 1
4000132000 xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9590109 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-08 16:54 Cleared 1 1 1 1
4000131900 xx/xx/xxxx xxxxx xxxxx OH Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9616054 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-09 21:17 Cleared 1 1 3 1
4000131900 xx/xx/xxxx xxxxx xxxxx OH Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9631812 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-09 21:18 Cleared 1 1 3 1
4000130375 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9632875 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-09 21:55 Cleared 1 1 3 1
4000130375 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9632898 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-09 21:56 Cleared 1 1 3 1
4000129046 xx/xx/xxxx xxxxx xxxxx WA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9694338 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-11 21:46 Cleared 1 1 1 1
4000129046 xx/xx/xxxx xxxxx xxxxx WA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9694344 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-11 21:47 Cleared 1 1 1 1
4000129046 xx/xx/xxxx xxxxx xxxxx WA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9699596 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-11 21:48 Cleared 1 1 1 1
4000132404 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9699808 2 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-11 22:24 Cleared 1 1 3 1
4000132404 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9699809 3 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-11 22:24 Cleared 1 1 3 1
4000132399 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9718187 3 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 2026-06-13 13:16 Cleared 1 1 4 1
4000132399 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9718188 4 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 2026-06-13 13:16 Cleared 1 1 4 1
4000128543 xx/xx/xxxx xxxxx xxxxx TN Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9755002 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-17 15:21 Cleared 1 1 3 1
4000131716 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9772269 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-17 15:09 Cleared 1 1 1 1
4000131716 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9772270 2 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-06-17 15:10 Cleared 1 1 1 1
4000131716 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9772275 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-17 15:09 Cleared 1 1 1 1
4000129626 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9791925 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-17 21:45 Cleared 1 1 1 1
4000129626 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9791983 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-17 21:45 Cleared 1 1 1 1
4000129626 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9793174 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-17 21:46 Cleared 1 1 1 1
4000132212 xx/xx/xxxx xxxxx xxxxx IL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9589690 4 of 5 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-07 15:13 Cleared 1 1 3 1
4000132212 xx/xx/xxxx xxxxx xxxxx IL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9589691 5 of 5 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-07 15:13 Cleared 1 1 3 1
4000132155 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9595405 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-08 21:49 Cleared 1 1 1 1
4000132155 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9595406 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-08 21:49 Cleared 1 1 1 1
4000132155 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9602298 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-08 21:49 Cleared 1 1 1 1
4000132485 xx/xx/xxxx xxxxx xxxxx TN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9608442 3 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-08 21:34 Cleared 1 1 3 2
4000132485 xx/xx/xxxx xxxxx xxxxx TN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9608457 4 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.
 

2026-06-08 21:33 Cleared 1 1 3 2
4000131279 xx/xx/xxxx xxxxx xxxxx LA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9615568 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-09 20:08 Cleared 1 1 3 1
4000131279 xx/xx/xxxx xxxxx xxxxx LA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9615662 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-09 20:08 Cleared 1 1 3 1
4000128287 xx/xx/xxxx xxxxx xxxxx SC Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9619563 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-09 19:57 Cleared 1 1 3 1
4000128287 xx/xx/xxxx xxxxx xxxxx SC Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9619564 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-09 19:57 Cleared 1 1 3 1
4000130512 xx/xx/xxxx xxxxx xxxxx OH Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9632924 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-09 21:50 Cleared 1 1 3 1
4000130512 xx/xx/xxxx xxxxx xxxxx OH Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9632930 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-09 21:50 Cleared 1 1 3 1
4000129828 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9656406 1 of 5 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-10 22:37 Cleared 1 1 3 1
4000129828 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9656411 2 of 5 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-10 22:37 Cleared 1 1 3 1
4000129803 xx/xx/xxxx xxxxx xxxxx WA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9673938 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-11 18:12 Cleared 1 1 3 1
4000129803 xx/xx/xxxx xxxxx xxxxx WA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9673939 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-11 18:12 Cleared 1 1 3 1
4000131142 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9703764 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-12 22:06 Cleared 1 1 3 1
4000131142 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9703768 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
 

2026-06-12 22:06 Cleared 1 1 3 1
4000129790 xx/xx/xxxx xxxxx xxxxx WA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9713516 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 2026-06-13 13:11 Cleared 1 1 1 1
4000129790 xx/xx/xxxx xxxxx xxxxx WA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9713518 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 2026-06-13 13:11 Cleared 1 1 1 1
4000131624 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9727645 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 2026-06-13 13:21 Cleared 1 1 1 1
4000131624 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9727649 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



The loan meets all applicable credit guidelines. - xx/xx/xxxx

 The loan meets all applicable credit guidelines. - xx/xx/xxxx

 2026-06-13 13:21 Cleared 1 1 1 1
4000131624 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9727654 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 2026-06-13 13:22 Cleared 1 1 1 1
4000129790 xx/xx/xxxx xxxxx xxxxx WA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9729715 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



The loan meets all applicable credit guidelines. - xx/xx/xxxx

 The loan meets all applicable credit guidelines. - xx/xx/xxxx

 2026-06-13 13:12 Cleared 1 1 1 1
4000132714 xx/xx/xxxx xxxxx xxxxx NC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9769953 1 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-16 19:25 Cleared 1 1 3 1
4000132714 xx/xx/xxxx xxxxx xxxxx NC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9774468 4 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-16 19:24 Cleared 1 1 3 1
4000132619 xx/xx/xxxx xxxxx xxxxx IL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9593057 3 of 5 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-07 15:15 Cleared 1 1 3 1
4000132619 xx/xx/xxxx xxxxx xxxxx IL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9593058 4 of 5 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-07 15:15 Cleared 1 1 3 1
4000133109 xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9595325 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-08 18:36 Cleared 1 1 1 1
4000133109 xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9595378 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-08 18:36 Cleared 1 1 1 1
4000133109 xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9595390 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-08 18:36 Cleared 1 1 1 1
4000131407 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9612652 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-09 18:48 Cleared 1 1 1 1
4000131407 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9612660 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-09 18:48 Cleared 1 1 1 1
4000131407 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9612666 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-09 18:49 Cleared 1 1 1 1
4000127723 xx/xx/xxxx xxxxx xxxxx WA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9658289 1 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-06-10 23:09 Cleared 1 1 1 1
4000127723 xx/xx/xxxx xxxxx xxxxx WA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9671088 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines. The loan meets all applicable compliance guidelines.





2026-06-10 23:09 Cleared 1 1 1 1
4000127723 xx/xx/xxxx xxxxx xxxxx WA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9671089 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-10 23:09 Cleared 1 1 1 1
4000131676 xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9686153 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-11 18:36 Cleared 1 1 3 1
4000131676 xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9687324 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-11 18:36 Cleared 1 1 3 1
4000132474 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9698469 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. Informational





2026-06-12 15:46 Cleared 1 1 1 1
4000132474 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9698470 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines. Informational





2026-06-12 15:46 Cleared 1 1 1 1
4000131849 xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9699711 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. Informational





2026-06-12 16:00 Cleared 1 1 1 1
4000131849 xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9699714 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. Informational





2026-06-12 16:00 Cleared 1 1 1 1
4000132440 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9699757 2 of 6 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-12 15:50 Cleared 1 1 4 1
4000132474 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9701708 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines. Informational





2026-06-12 15:46 Cleared 1 1 1 1
4000132440 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9702355 4 of 6 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-06-12 15:50 Cleared 1 1 4 1
4000131849 xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9704791 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines. Informational





2026-06-12 16:00 Cleared 1 1 1 1
4000130706 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9730321 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-15 16:41 Cleared 1 1 1 1
4000130706 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9730322 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-15 16:41 Cleared 1 1 1 1
4000130706 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9730323 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-15 16:41 Cleared 1 1 1 1
4000131456 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9764723 1 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-06-17 12:24 Cleared 1 1 1 1
4000131456 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9764728 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-17 12:24 Cleared 1 1 1 1
4000131456 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9772196 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-17 12:24 Cleared 1 1 1 1
4000131154 xx/xx/xxxx xxxxx xxxxx AZ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9895802 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-23 22:09 Cleared 1 1 1 1
4000131154 xx/xx/xxxx xxxxx xxxxx AZ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9897023 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-23 22:11 Cleared 1 1 1 1
4000131154 xx/xx/xxxx xxxxx xxxxx AZ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9897126 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-23 22:11 Cleared 1 1 1 1
4000130054 xx/xx/xxxx xxxxx xxxxx FL Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9915734 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines. Informational





2026-06-24 22:30 Cleared 1 1 1 1
4000130054 xx/xx/xxxx xxxxx xxxxx FL Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9915738 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. Informational





2026-06-24 22:30 Cleared 1 1 1 1
4000130054 xx/xx/xxxx xxxxx xxxxx FL Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9919571 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines. Informational





2026-06-24 22:30 Cleared 1 1 1 1
4000130722 xx/xx/xxxx xxxxx xxxxx TX Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9633486 1 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-10 18:43 Cleared 1 1 2 2
4000130722 xx/xx/xxxx xxxxx xxxxx TX Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9633492 2 of 4 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-10 18:44 Cleared 1 1 2 2
4000130722 xx/xx/xxxx xxxxx xxxxx TX Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9638824 3 of 4 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-06-10 18:43 Cleared 1 1 2 2
4000131784 xx/xx/xxxx xxxxx xxxxx MD Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9642950 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-10 20:28 Cleared 1 1 3 1
4000131784 xx/xx/xxxx xxxxx xxxxx MD Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9642951 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-10 20:28 Cleared 1 1 3 1
4000130772 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9652206 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-10 19:12 Cleared 1 1 1 1
4000130772 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9652208 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-10 19:13 Cleared 1 1 1 1
4000130778 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9653563 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-10 21:41 Cleared 1 1 1 1
4000130778 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9653582 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-10 21:42 Cleared 1 1 1 1
4000130772 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9666973 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-10 19:14 Cleared 1 1 1 1
4000130778 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9672360 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-10 21:51 Cleared 1 1 1 1
4000132556 xx/xx/xxxx xxxxx xxxxx SC Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9676524 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-11 19:18 Cleared 1 1 4 1
4000131459 xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9688276 1 of 5 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-11 19:00 Cleared 1 1 2 2
4000131459 xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9688277 2 of 5 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-11 19:00 Cleared 1 1 2 2
4000132556 xx/xx/xxxx xxxxx xxxxx SC Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9699135 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-11 19:18 Cleared 1 1 4 1
4000128940 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9701796 3 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 2026-06-13 13:13 Cleared 1 1 3 1
4000132108 xx/xx/xxxx xxxxx xxxxx TN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9702388 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. Informational





2026-06-12 15:53 Cleared 1 1 1 1
4000132108 xx/xx/xxxx xxxxx xxxxx TN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9702389 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. Informational





2026-06-12 15:53 Cleared 1 1 1 1
4000132108 xx/xx/xxxx xxxxx xxxxx TN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9702913 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines. Informational





2026-06-12 15:53 Cleared 1 1 1 1
4000131839 xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9706616 4 of 5 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
 

2026-06-12 20:33 Cleared 1 1 3 2
4000131839 xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9706617 5 of 5 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-12 20:34 Cleared 1 1 3 2
4000131843 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9706884 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 2026-06-13 13:19 Cleared 1 1 3 1
4000128940 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9716259 4 of 4 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



The loan meets all applicable compliance guidelines. - xx/xx/xxxx

 The loan meets all applicable compliance guidelines. - xx/xx/xxxx

 2026-06-13 13:13 Cleared 1 1 3 1
4000131843 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9732524 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



The loan meets all applicable compliance guidelines. - xx/xx/xxxx

 The loan meets all applicable compliance guidelines. - xx/xx/xxxx

 2026-06-13 13:20 Cleared 1 1 3 1
4000132175 xx/xx/xxxx xxxxx xxxxx ID Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9742204 2 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-15 15:22 Cleared 1 1 3 1
4000132175 xx/xx/xxxx xxxxx xxxxx ID Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9742205 3 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-15 15:22 Cleared 1 1 3 1
4000132110 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9664072 4 of 5 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-10 21:33 Cleared 1 1 4 1
4000132110 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9664086 5 of 5 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-10 21:34 Cleared 1 1 4 1
4000133290 xx/xx/xxxx xxxxx xxxxx MA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9689655 2 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-11 19:09 Cleared 1 1 3 1
4000133290 xx/xx/xxxx xxxxx xxxxx MA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9689666 3 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-11 19:10 Cleared 1 1 3 1
4000133121 xx/xx/xxxx xxxxx xxxxx SC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9697242 1 of 2 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-12 20:33 Cleared 1 1 1 1
4000133121 xx/xx/xxxx xxxxx xxxxx SC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9697243 2 of 2 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
 

2026-06-12 20:33 Cleared 1 1 1 1
4000132952 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9700515 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-11 22:40 Cleared 1 1 1 1
4000132952 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9700516 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-11 22:40 Cleared 1 1 1 1
4000132952 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9700535 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-11 22:40 Cleared 1 1 1 1
4000132841 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9707192 5 of 6 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 2026-06-13 12:43 Cleared 1 1 3 1
4000133497 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9719651 4 of 5 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-12 20:49 Cleared 1 1 3 1
4000133497 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9719892 5 of 5 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-12 20:49 Cleared 1 1 3 1
4000131963 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9724610 5 of 6 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 2026-06-13 13:17 Cleared 1 1 3 1
4000131963 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9724611 6 of 6 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 2026-06-13 13:18 Cleared 1 1 3 1
4000132468 xx/xx/xxxx xxxxx xxxxx HI Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9770369 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-17 15:17 Cleared 1 1 2 1
4000132468 xx/xx/xxxx xxxxx xxxxx HI Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9770375 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-17 15:17 Cleared 1 1 2 1
4000130321 xx/xx/xxxx xxxxx xxxxx AZ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9793637 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-17 22:06 Cleared 1 1 4 1
4000129289 xx/xx/xxxx xxxxx xxxxx TN Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9817842 2 of 4 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-18 21:22 Cleared 1 1 3 2
4000129289 xx/xx/xxxx xxxxx xxxxx TN Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9817859 3 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-18 21:23 Cleared 1 1 3 2
4000133832 xx/xx/xxxx xxxxx xxxxx MD Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9863177 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-22 20:56 Cleared 1 1 3 1
4000133684 xx/xx/xxxx xxxxx xxxxx NC Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9910937 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-24 19:13 Cleared 1 1 1 1
4000133684 xx/xx/xxxx xxxxx xxxxx NC Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9910938 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-24 20:01 Cleared 1 1 1 1
4000126654 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9918518 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. Informational





2026-06-24 22:45 Cleared 1 1 1 1
4000126654 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9918538 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. Informational





2026-06-24 22:45 Cleared 1 1 1 1
4000133684 xx/xx/xxxx xxxxx xxxxx NC Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9920945 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-24 20:00 Cleared 1 1 1 1
4000126654 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9924569 3 of 3 xx/xx/xxxx Credit Credit Profile - Other There are additional observations that could impact the credit decision and/or quality of the loan. Please provide DSCR calculation worksheet. DSCR on loan does not match to the 1007 Rent of $xxxxxx.



2026-06-25 04:36 Cleared 1 1 1 1
4000129547 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9673965 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-11 21:40 Cleared 1 1 1 1
4000129547 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9673966 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-11 21:40 Cleared 1 1 1 1
4000132047 xx/xx/xxxx xxxxx xxxxx FL Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9691207 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-11 22:53 Cleared 1 1 1 1
4000132047 xx/xx/xxxx xxxxx xxxxx FL Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9691209 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-11 22:53 Cleared 1 1 1 1
4000129547 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9694744 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-06-11 21:41 Cleared 1 1 1 1
4000132047 xx/xx/xxxx xxxxx xxxxx FL Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9695522 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-06-11 22:54 Cleared 1 1 1 1
4000132943 xx/xx/xxxx xxxxx xxxxx NJ Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9728723 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-15 19:19 Cleared 1 1 2 2
4000131655 xx/xx/xxxx xxxxx xxxxx MD Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9746467 1 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-06-16 15:47 Cleared 1 1 1 1
4000131655 xx/xx/xxxx xxxxx xxxxx MD Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9746509 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-16 15:47 Cleared 1 1 1 1
4000131655 xx/xx/xxxx xxxxx xxxxx MD Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9746537 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-16 15:47 Cleared 1 1 1 1
4000132943 xx/xx/xxxx xxxxx xxxxx NJ Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9748412 2 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-06-15 19:20 Cleared 1 1 2 2
4000129972 xx/xx/xxxx xxxxx xxxxx AZ Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9781303 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-17 20:30 Cleared 1 1 1 1
4000129972 xx/xx/xxxx xxxxx xxxxx AZ Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9781304 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-17 20:25 Cleared 1 1 1 1
4000132756 xx/xx/xxxx xxxxx xxxxx TX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9795793 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-18 21:09 Cleared 1 1 2 2
4000132756 xx/xx/xxxx xxxxx xxxxx TX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9795795 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-18 21:11 Cleared 1 1 2 2
4000129972 xx/xx/xxxx xxxxx xxxxx AZ Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9798280 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-17 20:24 Cleared 1 1 1 1
4000133244 xx/xx/xxxx xxxxx xxxxx MI Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9721485 2 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-12 22:09 Cleared 1 1 3 1
4000133713 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9749282 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-16 15:45 Cleared 1 1 3 1
4000133713 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9749283 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-16 15:45 Cleared 1 1 3 1
4000130863 xx/xx/xxxx xxxxx xxxxx IL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9751281 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-15 21:59 Cleared 1 1 3 1
4000133043 xx/xx/xxxx xxxxx xxxxx TX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9753825 4 of 5 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-16 18:29 Cleared 1 1 3 1
4000133043 xx/xx/xxxx xxxxx xxxxx TX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9753827 5 of 5 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-16 18:29 Cleared 1 1 3 1
4000130863 xx/xx/xxxx xxxxx xxxxx IL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9755479 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-15 22:01 Cleared 1 1 3 1
4000126851 xx/xx/xxxx xxxxx xxxxx NJ Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9772711 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-17 17:34 Cleared 1 1 1 1
4000126851 xx/xx/xxxx xxxxx xxxxx NJ Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9772714 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-17 17:34 Cleared 1 1 1 1
4000126851 xx/xx/xxxx xxxxx xxxxx NJ Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9772718 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-17 17:33 Cleared 1 1 1 1
4000131401 xx/xx/xxxx xxxxx xxxxx KS Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9869312 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. Informational





2026-06-23 14:02 Cleared 1 1 4 1
4000131401 xx/xx/xxxx xxxxx xxxxx KS Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9871326 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines. Informational





2026-06-23 14:02 Cleared 1 1 4 1
4000133402 xx/xx/xxxx xxxxx xxxxx IL Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9723468 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-15 16:44 Cleared 1 1 1 1
4000133402 xx/xx/xxxx xxxxx xxxxx IL Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9723472 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-15 16:45 Cleared 1 1 1 1
4000133402 xx/xx/xxxx xxxxx xxxxx IL Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9724842 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-06-15 16:46 Cleared 1 1 1 1
4000134224 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9726913 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-16 15:45 Cleared 1 1 3 1
4000134224 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9726914 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-16 15:46 Cleared 1 1 3 1
4000132314 xx/xx/xxxx xxxxx xxxxx TN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9752756 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-16 21:39 Cleared 1 1 1 1
4000134238 xx/xx/xxxx xxxxx xxxxx PA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9752818 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-16 19:49 Cleared 1 1 1 1
4000134238 xx/xx/xxxx xxxxx xxxxx PA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9752822 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-16 19:49 Cleared 1 1 1 1
4000134238 xx/xx/xxxx xxxxx xxxxx PA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9752834 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-16 19:49 Cleared 1 1 1 1
4000132414 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9754131 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-16 19:22 Cleared 1 1 1 1
4000132414 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9754132 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-16 19:22 Cleared 1 1 1 1
4000132414 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9754133 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-16 19:23 Cleared 1 1 1 1
4000132314 xx/xx/xxxx xxxxx xxxxx TN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9754748 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-16 21:39 Cleared 1 1 1 1
4000132314 xx/xx/xxxx xxxxx xxxxx TN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9755813 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-16 21:39 Cleared 1 1 1 1
4000133539 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9795873 3 of 5 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-18 17:04 Cleared 1 1 3 1
4000134224 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9797740 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



The loan meets all applicable credit guidelines. - xx/xx/xxxx

 The loan meets all applicable credit guidelines. - xx/xx/xxxx

 2026-06-17 19:18 Cleared 1 1 3 1
4000133539 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9800758 5 of 5 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-18 17:04 Cleared 1 1 3 1
4000133756 xx/xx/xxxx xxxxx xxxxx NC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9822667 6 of 8 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-18 20:27 Cleared 1 1 3 1
4000133756 xx/xx/xxxx xxxxx xxxxx NC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9827275 7 of 8 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-18 20:26 Cleared 1 1 3 1
4000133686 xx/xx/xxxx xxxxx xxxxx NJ Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9917406 1 of 2 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-25 20:35 Cleared 1 1 3 1
4000133686 xx/xx/xxxx xxxxx xxxxx NJ Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9921208 2 of 2 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-06-25 20:35 Cleared 1 1 3 1
4000129128 xx/xx/xxxx xxxxx xxxxx MA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9752961 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-16 20:31 Cleared 1 1 3 1
4000132472 xx/xx/xxxx xxxxx xxxxx TX Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9764323 3 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-16 21:05 Cleared 1 1 3 1
4000132472 xx/xx/xxxx xxxxx xxxxx TX Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9767333 4 of 4 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-06-16 21:05 Cleared 1 1 3 1
4000132730 xx/xx/xxxx xxxxx xxxxx MD Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9774391 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-17 17:46 Cleared 1 1 1 1
4000132730 xx/xx/xxxx xxxxx xxxxx MD Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9774395 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-17 17:44 Cleared 1 1 1 1
4000132730 xx/xx/xxxx xxxxx xxxxx MD Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9774445 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-17 17:43 Cleared 1 1 1 1
4000129128 xx/xx/xxxx xxxxx xxxxx MA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9775810 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-16 20:35 Cleared 1 1 3 1
4000133576 xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9793381 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. Informational





2026-06-18 22:52 Cleared 1 1 1 1
4000133576 xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9793382 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines. Informational





2026-06-18 22:52 Cleared 1 1 1 1
4000133576 xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9793383 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. Informational





2026-06-18 22:52 Cleared 1 1 1 1
4000133632 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9793576 3 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-18 18:09 Cleared 1 1 3 1
4000133632 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9793579 4 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-18 18:09 Cleared 1 1 3 1
4000131734 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9823813 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.
 - xx/xx/xxxx

 The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.
 - xx/xx/xxxx

 2026-06-18 22:48 Cleared 1 1 4 1
4000132448 xx/xx/xxxx xxxxx xxxxx MN Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9851474 1 of 2 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-22 23:22 Cleared 1 1 3 1
4000132448 xx/xx/xxxx xxxxx xxxxx MN Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9851476 2 of 2 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-22 23:22 Cleared 1 1 3 1
4000132035 xx/xx/xxxx xxxxx xxxxx UT Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9871319 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-23 20:08 Cleared 1 1 3 2
4000132035 xx/xx/xxxx xxxxx xxxxx UT Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9871333 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-23 20:08 Cleared 1 1 3 2
4000132715 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9899523 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-23 23:19 Cleared 1 1 1 1
4000132715 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9899524 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-23 23:26 Cleared 1 1 1 1
4000132715 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9899526 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-23 23:25 Cleared 1 1 1 1
4000127091 xx/xx/xxxx xxxxx xxxxx NC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9901759 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-24 20:09 Cleared 1 1 3 1
4000127091 xx/xx/xxxx xxxxx xxxxx NC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9901762 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-24 20:30 Cleared 1 1 3 1
4000127078 xx/xx/xxxx xxxxx xxxxx NC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9920360 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-25 19:21 Cleared 1 1 1 1
4000127078 xx/xx/xxxx xxxxx xxxxx NC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9920366 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-25 19:21 Cleared 1 1 1 1
4000127078 xx/xx/xxxx xxxxx xxxxx NC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9920399 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-25 19:22 Cleared 1 1 1 1
4000133327 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9969063 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



Informational - xx/xx/xxxx

 Informational - xx/xx/xxxx

 2026-06-29 21:44 Cleared 1 1 1 1
4000133327 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9984361 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



Informational - xx/xx/xxxx

 Informational - xx/xx/xxxx

 2026-06-29 21:44 Cleared 1 1 1 1
4000133327 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9984362 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



Informational - xx/xx/xxxx

 Informational - xx/xx/xxxx

 2026-06-29 21:44 Cleared 1 1 1 1
4000129144 xx/xx/xxxx xxxxx xxxxx SD Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9814822 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines. Informational





2026-06-18 22:50 Cleared 1 1 1 1
4000129144 xx/xx/xxxx xxxxx xxxxx SD Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9814826 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. Informational





2026-06-18 22:50 Cleared 1 1 1 1
4000129144 xx/xx/xxxx xxxxx xxxxx SD Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9814827 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. Informational





2026-06-18 22:50 Cleared 1 1 1 1
4000133813 xx/xx/xxxx xxxxx xxxxx IA Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9847788 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-22 21:50 Cleared 1 1 1 1
4000133813 xx/xx/xxxx xxxxx xxxxx IA Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9847800 2 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-06-22 21:50 Cleared 1 1 1 1
4000133813 xx/xx/xxxx xxxxx xxxxx IA Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9847828 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-22 21:50 Cleared 1 1 1 1
4000131237 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9865027 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-23 02:55 Cleared 1 1 1 1
4000131237 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9878203 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-23 02:56 Cleared 1 1 1 1
4000131237 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9879661 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-23 02:56 Cleared 1 1 1 1
4000133131 xx/xx/xxxx xxxxx xxxxx SC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9887118 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-23 18:58 Cleared 1 1 1 1
4000133131 xx/xx/xxxx xxxxx xxxxx SC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9887122 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-23 18:52 Cleared 1 1 1 1
4000133908 xx/xx/xxxx xxxxx xxxxx NC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9892434 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-23 22:43 Cleared 1 1 1 1
4000133908 xx/xx/xxxx xxxxx xxxxx NC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9892438 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-23 22:44 Cleared 1 1 1 1
4000133908 xx/xx/xxxx xxxxx xxxxx NC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9901960 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-23 22:49 Cleared 1 1 1 1
4000132411 xx/xx/xxxx xxxxx xxxxx AL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10210474 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-07-14 16:10 Cleared 1 1 4 1
4000132411 xx/xx/xxxx xxxxx xxxxx AL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10210483 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-07-14 16:10 Cleared 1 1 4 1
4000133496 xx/xx/xxxx xxxxx xxxxx MO Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9791482 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-18 17:01 Cleared 1 1 1 1
4000133496 xx/xx/xxxx xxxxx xxxxx MO Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9791484 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-18 17:00 Cleared 1 1 1 1
4000133496 xx/xx/xxxx xxxxx xxxxx MO Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9791485 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-18 17:00 Cleared 1 1 1 1
4000133545 xx/xx/xxxx xxxxx xxxxx MO Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9795109 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-18 20:55 Cleared 1 1 1 1
4000133545 xx/xx/xxxx xxxxx xxxxx MO Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9795123 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-18 20:55 Cleared 1 1 1 1
4000133545 xx/xx/xxxx xxxxx xxxxx MO Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9795147 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-18 20:55 Cleared 1 1 1 1
4000132926 xx/xx/xxxx xxxxx xxxxx MA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9800211 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-18 16:39 Cleared 1 1 3 2
4000132926 xx/xx/xxxx xxxxx xxxxx MA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9800212 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-18 16:38 Cleared 1 1 3 2
4000133536 xx/xx/xxxx xxxxx xxxxx AZ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9824339 4 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-18 21:31 Cleared 1 1 3 1
4000133041 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9827510 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-19 19:11 Cleared 1 1 1
4000133041 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9827514 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-19 19:11 Cleared 1 1 1
4000133041 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9827517 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-19 19:10 Cleared 1 1 1
4000133307 xx/xx/xxxx xxxxx xxxxx TN Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9840920 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-19 20:43 Cleared 1 1 3 1
4000133307 xx/xx/xxxx xxxxx xxxxx TN Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9847216 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-19 20:43 Cleared 1 1 3 1
4000132158 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9860358 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-23 16:50 Cleared 1 1 1 1
4000132158 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9860364 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-23 16:50 Cleared 1 1 1 1
4000132158 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9860365 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-23 16:50 Cleared 1 1 1 1
4000131042 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9866461 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines. Informational





2026-06-22 23:26 Cleared 1 1 1 1
4000131042 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9866470 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. Informational





2026-06-22 23:26 Cleared 1 1 1 1
4000133856 xx/xx/xxxx xxxxx xxxxx MA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9867222 1 of 2 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-22 22:03 Cleared 1 1 3 1
4000133856 xx/xx/xxxx xxxxx xxxxx MA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9867230 2 of 2 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-22 22:04 Cleared 1 1 3 1
4000133370 xx/xx/xxxx xxxxx xxxxx WA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9873114 2 of 5 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-23 19:05 Cleared 1 1 2 2
4000133534 xx/xx/xxxx xxxxx xxxxx OH Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9874247 1 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines. Informational





2026-06-23 14:02 Cleared 1 1 1 1
4000133534 xx/xx/xxxx xxxxx xxxxx OH Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9874249 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-23 14:02 Cleared 1 1 1 1
4000133534 xx/xx/xxxx xxxxx xxxxx OH Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9874251 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. Informational





2026-06-23 14:02 Cleared 1 1 1 1
4000131042 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9877093 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. Informational





2026-06-22 23:26 Cleared 1 1 1 1
4000133370 xx/xx/xxxx xxxxx xxxxx WA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9887985 3 of 5 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-06-23 19:06 Cleared 1 1 2 2
4000134761 xx/xx/xxxx xxxxx xxxxx TX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9902945 1 of 2 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-24 15:29 Cleared 1 1 3 1
4000134761 xx/xx/xxxx xxxxx xxxxx TX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9903204 2 of 2 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-24 15:31 Cleared 1 1 3 1
4000134539 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9918137 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-24 17:37 Cleared 1 1 1 1
4000134539 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9918138 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-24 17:37 Cleared 1 1 1 1
4000134539 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9939054 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-25 16:16 Cleared 1 1 1 1
4000133399 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9799244 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-17 20:20 Cleared 1 1 1 1
4000133399 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9799246 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-17 20:20 Cleared 1 1 1 1
4000133399 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9799250 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-17 20:20 Cleared 1 1 1 1
4000134001 xx/xx/xxxx xxxxx xxxxx TX Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9889188 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. Informational





2026-06-23 21:13 Cleared 1 1 1 1
4000134001 xx/xx/xxxx xxxxx xxxxx TX Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9889951 2 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines. Informational





2026-06-23 21:13 Cleared 1 1 1 1
4000134937 xx/xx/xxxx xxxxx xxxxx NC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9895490 1 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. Informational





2026-06-23 20:52 Cleared 1 1 3 1
4000134937 xx/xx/xxxx xxxxx xxxxx NC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9895612 2 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. Informational





2026-06-23 20:52 Cleared 1 1 3 1
4000134138 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9896337 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-23 23:06 Cleared 1 1 4 1
4000133135 xx/xx/xxxx xxxxx xxxxx UT Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9896873 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-24 15:43 Cleared 1 1 1 1
4000133135 xx/xx/xxxx xxxxx xxxxx UT Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9896877 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-24 15:43 Cleared 1 1 1 1
4000133135 xx/xx/xxxx xxxxx xxxxx UT Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9896879 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-24 15:43 Cleared 1 1 1 1
4000134001 xx/xx/xxxx xxxxx xxxxx TX Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9899561 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines. Informational





2026-06-23 21:13 Cleared 1 1 1 1
4000134138 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9900409 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-23 23:11 Cleared 1 1 4 1
4000133570 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9904516 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-24 18:49 Cleared 1 1 1 1
4000133570 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9904520 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-24 18:51 Cleared 1 1 1 1
4000133570 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9913006 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-24 18:51 Cleared 1 1 1 1
4000132745 xx/xx/xxxx xxxxx xxxxx NC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9927372 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-25 15:21 Cleared 1 1 1 1
4000132745 xx/xx/xxxx xxxxx xxxxx NC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9927373 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-25 15:21 Cleared 1 1 1 1
4000132745 xx/xx/xxxx xxxxx xxxxx NC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9934383 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-25 15:21 Cleared 1 1 1 1
4000134158 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9954121 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



Informational - xx/xx/xxxx

 Informational - xx/xx/xxxx

 2026-06-26 19:02 Cleared 1 1 3 1
4000134158 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9954124 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



Informational - xx/xx/xxxx

 Informational - xx/xx/xxxx

 2026-06-26 19:02 Cleared 1 1 3 1
4000133540 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9865802 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. Informational





2026-06-22 23:23 Cleared 1 1 1 1
4000133540 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9872479 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines. Informational





2026-06-22 23:23 Cleared 1 1 1 1
4000133540 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9872690 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. Informational





2026-06-22 23:23 Cleared 1 1 1 1
4000133869 xx/xx/xxxx xxxxx xxxxx NJ Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9875022 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. Informational





2026-06-23 14:02 Cleared 1 1 2 2
4000131703 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9875890 12 of 13 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-23 17:37 Cleared 1 1 3 1
4000133869 xx/xx/xxxx xxxxx xxxxx NJ Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9878178 2 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines. Informational





2026-06-23 14:02 Cleared 1 1 2 2
4000132368 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9886481 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-23 18:10 Cleared 1 1 1 1
4000132368 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9886484 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-23 18:10 Cleared 1 1 1 1
4000132368 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9889286 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-23 18:10 Cleared 1 1 1 1
4000134331 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9897188 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-24 14:36 Cleared 1 1 1 1
4000134331 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9897210 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-24 14:36 Cleared 1 1 1 1
4000134331 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9897228 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-24 14:37 Cleared 1 1 1 1
4000135041 xx/xx/xxxx xxxxx xxxxx WA Second Home Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9898651 4 of 5 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-24 15:34 Cleared 1 1 3 1
4000130513 xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9919701 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-25 04:24 Cleared 1 1 1 1
4000130513 xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9919702 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-25 04:24 Cleared 1 1 1 1
4000130513 xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9919703 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-25 04:25 Cleared 1 1 1 1
4000131773 xx/xx/xxxx xxxxx xxxxx OH Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9933817 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-25 21:11 Cleared 1 1 1 1
4000131773 xx/xx/xxxx xxxxx xxxxx OH Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9933864 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-25 21:12 Cleared 1 1 1 1
4000131773 xx/xx/xxxx xxxxx xxxxx OH Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9933871 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-25 21:12 Cleared 1 1 1 1
4000130511 xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9939675 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-26 03:08 Cleared 1 1 1 1
4000130511 xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9939677 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-26 03:09 Cleared 1 1 1 1
4000130511 xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9943292 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-26 03:11 Cleared 1 1 1 1
4000132669 xx/xx/xxxx xxxxx xxxxx TN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9946902 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



Informational - xx/xx/xxxx

 Informational - xx/xx/xxxx

 2026-06-26 18:49 Cleared 1 1 1 1
4000132669 xx/xx/xxxx xxxxx xxxxx TN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9946911 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



Informational - xx/xx/xxxx

 Informational - xx/xx/xxxx

 2026-06-26 18:49 Cleared 1 1 1 1
4000132669 xx/xx/xxxx xxxxx xxxxx TN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9946912 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



Informational - xx/xx/xxxx

 Informational - xx/xx/xxxx

 2026-06-26 18:49 Cleared 1 1 1 1
4000135281 xx/xx/xxxx xxxxx xxxxx TX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9956160 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
 

2026-06-26 21:46 Cleared 1 1 3 1
4000134141 xx/xx/xxxx xxxxx xxxxx TX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9935328 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-26 03:33 Cleared 1 1 1 1
4000134141 xx/xx/xxxx xxxxx xxxxx TX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9935333 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-26 03:34 Cleared 1 1 1 1
4000134141 xx/xx/xxxx xxxxx xxxxx TX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9935337 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-26 03:34 Cleared 1 1 1 1
4000133914 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9937720 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.
 

2026-06-25 17:49 Cleared 1 1 3 1
4000133914 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9937761 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-25 17:49 Cleared 1 1 3 1
4000134222 xx/xx/xxxx xxxxx xxxxx CT Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9970264 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



Informational - xx/xx/xxxx

 Informational - xx/xx/xxxx

 2026-06-29 19:17 Cleared 1 1 1 1
4000134222 xx/xx/xxxx xxxxx xxxxx CT Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9970265 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



Informational - xx/xx/xxxx

 Informational - xx/xx/xxxx

 2026-06-29 19:17 Cleared 1 1 1 1
4000134222 xx/xx/xxxx xxxxx xxxxx CT Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9970266 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



Informational - xx/xx/xxxx

 Informational - xx/xx/xxxx

 2026-06-29 19:17 Cleared 1 1 1 1
4000135318 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9917204 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-25 20:14 Cleared 1 1 3 1
4000135318 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9917209 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-25 20:15 Cleared 1 1 3 1
4000134816 xx/xx/xxxx xxxxx xxxxx PA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9932970 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-06-25 20:54 Cleared 1 1 1 1
4000134816 xx/xx/xxxx xxxxx xxxxx PA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9932971 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-06-25 20:55 Cleared 1 1 1 1
4000134816 xx/xx/xxxx xxxxx xxxxx PA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9932972 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-06-25 20:55 Cleared 1 1 1 1
4000132208 xx/xx/xxxx xxxxx xxxxx NE Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9978187 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



Informational - xx/xx/xxxx

 Informational - xx/xx/xxxx

 2026-06-29 21:53 Cleared 1 1 1 1
4000132208 xx/xx/xxxx xxxxx xxxxx NE Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9978197 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



Informational - xx/xx/xxxx

 Informational - xx/xx/xxxx

 2026-06-29 21:53 Cleared 1 1 1 1
4000132208 xx/xx/xxxx xxxxx xxxxx NE Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9978199 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



Informational - xx/xx/xxxx

 Informational - xx/xx/xxxx

 2026-06-29 21:53 Cleared 1 1 1 1
4000135460 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10026376 1 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



Informational - xx/xx/xxxx

 Informational - xx/xx/xxxx

 2026-07-01 22:06 Cleared 1 1 3 1
4000135460 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10026377 2 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



Informational - xx/xx/xxxx

 Informational - xx/xx/xxxx

 2026-07-01 22:06 Cleared 1 1 3 1
4000135044 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9988369 2 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



Informational - xx/xx/xxxx

 Informational - xx/xx/xxxx

 2026-06-30 12:14 Cleared 1 1 3 1
4000136077 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10000841 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



Informational - xx/xx/xxxx

 Informational - xx/xx/xxxx

 2026-06-30 17:48 Cleared 1 1 3 1
4000136077 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10000844 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



Informational - xx/xx/xxxx

 Informational - xx/xx/xxxx

 2026-06-30 17:48 Cleared 1 1 3 1
4000136388 xx/xx/xxxx xxxxx xxxxx NC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 10103807 3 of 4 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



Informational - xx/xx/xxxx

 Informational - xx/xx/xxxx

 2026-07-08 12:13 Cleared 1 1 3 1
4000136388 xx/xx/xxxx xxxxx xxxxx NC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 10103809 4 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



Informational - xx/xx/xxxx

 Informational - xx/xx/xxxx

 2026-07-08 12:13 Cleared 1 1 3 1
4000135657 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10032560 1 of 6 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



Informational - xx/xx/xxxx

 Informational - xx/xx/xxxx

 2026-07-06 20:26 Cleared 1 1 3 2
4000135657 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10038871 3 of 6 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



Informational - xx/xx/xxxx

 Informational - xx/xx/xxxx

 2026-07-06 20:26 Cleared 1 1 3 2
4000136515 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 10064999 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-07-06 14:51 Cleared 1 1 1 1
4000136515 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 10065303 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-07-06 14:51 Cleared 1 1 1 1
4000136515 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 10066332 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-07-06 14:52 Cleared 1 1 1 1
4000134836 xx/xx/xxxx xxxxx xxxxx KS Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10246338 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-07-15 18:51 Cleared 1 1 3 1
4000134836 xx/xx/xxxx xxxxx xxxxx KS Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10246339 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-07-15 18:51 Cleared 1 1 3 1
4000135747 xx/xx/xxxx xxxxx xxxxx WI Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 10184434 4 of 5 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



Informational - xx/xx/xxxx

 Informational - xx/xx/xxxx

 2026-07-13 15:45 Cleared 1 1 4 1
4000135747 xx/xx/xxxx xxxxx xxxxx WI Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 10184439 5 of 5 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



Informational - xx/xx/xxxx

 Informational - xx/xx/xxxx

 2026-07-13 15:45 Cleared 1 1 4 1
4000137601 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10243537 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-07-15 22:00 Cleared 1 1 2 2
4000137601 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10264922 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-07-15 22:00 Cleared 1 1 2 2
4000136839 xx/xx/xxxx xxxxx xxxxx OH Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 10271033 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



Informational - xx/xx/xxxx

 Informational - xx/xx/xxxx

 2026-07-16 20:08 Cleared 1 1 1 1
4000136839 xx/xx/xxxx xxxxx xxxxx OH Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 10271103 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



Informational - xx/xx/xxxx

 Informational - xx/xx/xxxx

 2026-07-16 20:08 Cleared 1 1 1 1
4000136839 xx/xx/xxxx xxxxx xxxxx OH Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 10271113 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



Informational - xx/xx/xxxx

 Informational - xx/xx/xxxx

 2026-07-16 20:08 Cleared 1 1 1 1
4000136175 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10235600 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



Informational - xx/xx/xxxx

 Informational - xx/xx/xxxx

 2026-07-14 20:20 Cleared 1 1 2 2
4000136175 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10235638 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



Informational - xx/xx/xxxx

 Informational - xx/xx/xxxx

 2026-07-14 20:20 Cleared 1 1 2 2
4000136076 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10243704 2 of 4 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-07-15 19:51 Cleared 1 1 4 1
4000138380 xx/xx/xxxx xxxxx xxxxx IL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10258799 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-07-15 20:43 Cleared 1 1 3 1
4000138380 xx/xx/xxxx xxxxx xxxxx IL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10258803 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2026-07-15 20:43 Cleared 1 1 3 1
4000138402 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10408446 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



Informational - xx/xx/xxxx

 Informational - xx/xx/xxxx

 2026-07-22 19:24 Cleared 1 1 1 1
4000138402 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10408448 2 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



Informational - xx/xx/xxxx

 Informational - xx/xx/xxxx

 2026-07-22 19:24 Cleared 1 1 1 1
4000138402 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10408450 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



Informational - xx/xx/xxxx

 Informational - xx/xx/xxxx

 2026-07-22 19:24 Cleared 1 1 1 1
4000138081 xx/xx/xxxx xxxxx xxxxx IN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10267113 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2026-07-15 22:07 Cleared 1 1 3 1
4000138609 xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 10291363 1 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



Informational - xx/xx/xxxx

 Informational - xx/xx/xxxx

 2026-07-16 20:41 Cleared 1 1 1 1
4000138609 xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 10291365 2 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



Informational - xx/xx/xxxx

 Informational - xx/xx/xxxx

 2026-07-16 20:41 Cleared 1 1 1 1
4000138609 xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 10291369 3 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



Informational - xx/xx/xxxx

 Informational - xx/xx/xxxx

 2026-07-16 20:41 Cleared 1 1 1 1
4000136944 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10408806 1 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X. Informational





2026-07-22 21:03 Cleared 1 1 1 1
4000136944 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10408812 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. Informational





2026-07-22 21:03 Cleared 1 1 1 1
4000136944 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10413383 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines. Informational





2026-07-22 21:03 Cleared 1 1 1 1
4000102512 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 6421950 4 of 5 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2025-12-01 21:45 Cleared 1 1 4 1
4000102178 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 6333400 2 of 3 xx/xx/xxxx Property No Property Findings Loan meets applicable appraisal guidelines.



2025-11-20 22:16 Cleared 1 1 3 1
4000102178 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 7402488 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 2026-02-02 18:21 Cleared 1 1 3 1
4000102730 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 7403283 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 2026-02-02 18:55 Cleared 1 1 1 1
4000100523 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx UT Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 6459760 1 of 2 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2025-12-03 09:15 Cleared 1 1 3 1
4000100523 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx UT Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 6475130 2 of 2 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2025-12-03 22:50 Cleared 1 1 3 1
4000103264 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx GA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 7403554 4 of 5 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. - xx/xx/xxxx

 2026-02-02 19:11 Cleared 1 1 3 1
4000103264 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx GA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 7403555 5 of 5 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx

 2026-02-02 19:11 Cleared 1 1 3 1
4000101122 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 7684453 2 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2026-02-20 02:30 Cleared 1 1 3 2
4000101122 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 7698750 3 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2026-02-20 02:30 Cleared 1 1 3 2
4000102004 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx HI Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 6565458 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2025-12-10 15:09 Cleared 1 1 1 1
4000102004 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx HI Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 6572977 2 of 3 xx/xx/xxxx Compliance No Compliance Findings The loan meets all applicable compliance guidelines.



2025-12-10 19:49 Cleared 1 1 1 1
4000102004 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx HI Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 7402286 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



The loan meets all applicable credit guidelines. - xx/xx/xxxx

 The loan meets all applicable credit guidelines. - xx/xx/xxxx

 2026-02-02 18:11 Cleared 1 1 1 1
4000105581 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx NC Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 6721214 1 of 3 xx/xx/xxxx Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.



2025-12-20 01:11 Cleared 1 1 3 1
4000105581 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx NC Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 6721263 3 of 3 xx/xx/xxxx Credit No Credit Findings The loan meets all applicable credit guidelines.



2025-12-20 01:18 Cleared 1 1 3 1
4000101749 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx HI Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 6837606 3 of 3 xx/xx/xxxx Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.



2025-12-29 18:31 Cleared 1 1 3 2
4000122677 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8450243 3 of 3 xx/xx/xxxx Compliance Insufficient Tolerance Cure A Lender Credit for Excess Charges of ($xxxxxx), Principal Reduction for Excess Charges of ($xxxxxx), and general or specific lender credit increases of ($xxxxxx were applied to the total fee variance of ($xxxxxx) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. The Origination Fee increased on the Loan Estimate datedxx/xx/xxxx, without a valid change in circumstance. 

Please see CD attached  - xx/xx/xxxx

 Please see attached , this loan is cured  - xx/xx/xxxx

 Received PCCD, copy of refund check, LOE to borrower and proof of mailing.  finding is cured - xx/xx/xxxx

Please see CD attached  - xx/xx/xxxx

Received copy of check, LOE and mailing label. Please provide PCCD reflecting all fees and cures.   - xx/xx/xxxx

Please see attached , this loan is cured  - xx/xx/xxxx

 Received PCCD, copy of refund check, LOE to borrower and proof of mailing.  finding is cured - xx/xx/xxxx

Please see CD attached  - xx/xx/xxxx

Received copy of check, LOE and mailing label. Please provide PCCD reflecting all fees and cures.   - xx/xx/xxxx

Please see attached , this loan is cured  - xx/xx/xxxx

 2026-04-14 17:03 Cured 3 2 3 2
4000129360 xx/xx/xxxx xxxxx xxxxx AZ Second Home Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9149632 3 of 3 xx/xx/xxxx Compliance Federal - Finance Charge Disclosure Tolerance (Closed End) The disclosed finance charge ($xxxxxx) is ($xxxxxx) below the actual finance charge($xxxxxx). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) There is a discrepancy with the finance charge being under-disclosed by $xxxxxx, which is the same amount as the Settlement Fee paid by the borrower on the executed Final CD. Upon review of the lender's compliance report in the file, it appears that the settlement fee was not properly included with their testing, thus contributing to the finance charge discrepancy

lox pccd corrected - xx/xx/xxxx

 fed ex - xx/xx/xxxx

 pccd, fed ex label, check copy, lox - xx/xx/xxxx

 Received PCCD, LOE, copy of refund check and proof package was delivered.  Finding is cured. - xx/xx/xxxx

lox pccd corrected - xx/xx/xxxx

The PCCD recieved did not show the cure in the amount of $xxxxxx. Provide PCCD reflecting the lender credit for cure of $xxxxxx - xx/xx/xxxx

fed ex - xx/xx/xxxx

Correction to below:  The PCCD recieved did not show the cure in the amount of $xxxxxx.  Provide PCCD showing the cure along with a letter to the borrower, copy of the check and mailing label when package was sent to the borrower.  - xx/xx/xxxx

Received check, PCCD and LOE.  PRovide mailing label to cure - xx/xx/xxxx

pccd, fed ex label, check copy, lox - xx/xx/xxxx

 Received PCCD, LOE, copy of refund check and proof package was delivered.  Finding is cured. - xx/xx/xxxx

lox pccd corrected - xx/xx/xxxx

The PCCD recieved did not show the cure in the amount of $xxxxxx. Provide PCCD reflecting the lender credit for cure of $xxxxxx - xx/xx/xxxx

fed ex - xx/xx/xxxx

Correction to below:  The PCCD recieved did not show the cure in the amount of $xxxxxx.  Provide PCCD showing the cure along with a letter to the borrower, copy of the check and mailing label when package was sent to the borrower.  - xx/xx/xxxx

Received check, PCCD and LOE.  PRovide mailing label to cure - xx/xx/xxxx

pccd, fed ex label, check copy, lox - xx/xx/xxxx

 2026-05-27 15:00 Cured 3 1 3 1
4000111868 xxxxx xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 7415110 3 of 4 xx/xx/xxxx Compliance Missing Attorney Preference Letter Right To Choose Attorney or Attorney Preference not in file.

xxxxxx is an attorney state. Please see attached  - xx/xx/xxxx

 Received required pamphlet What Mortgage Applicants need to know - xx/xx/xxxx
xxxxxx is an attorney state. Please see attached  - xx/xx/xxxx
 Received required pamphlet What Mortgage Applicants need to know - xx/xx/xxxx

xxxxxx is an attorney state. Please see attached  - xx/xx/xxxx

 2026-02-04 15:01 Resolved 3 1 3 1
4000128915 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9223074 6 of 6 xx/xx/xxxx Credit Audited Reserves are less than Guideline Required Reserves (Number of Months) Audited reserves months are less than the guideline required reserve months.

What is the calculation for audited reserves, we have adequate reserves looking at the statements provided, even if you apply a 60% haircut to the cash value of the life insurance policies (guidelines say life insurance should be 100%) or use the average balance at xxxxxx of $xxxxxx then there is still more than PITIA ($xxxxxx) * 6 months = $xxxxxx - xx/xx/xxxx
 Assets uploaded - xx/xx/xxxx
 Our calculation would have about 11 months of reserves. Not sure why reserves and cash do not meet guidelines - xx/xx/xxxx
 Audited Reserves of  month(s) are greater than or equal to Guideline Required Reserves of  month(s) - xx/xx/xxxx
What is the calculation for audited reserves, we have adequate reserves looking at the statements provided, even if you apply a 60% haircut to the cash value of the life insurance policies (guidelines say life insurance should be 100%) or use the average balance at xxxxxx of $xxxxxx then there is still more than PITIA ($xxxxxx) * 6 months = $xxxxxx - xx/xx/xxxx
Condition upheld.  Borrower is still short -$xxxxxx in cash to close/reserves. - xx/xx/xxxx
Assets uploaded - xx/xx/xxxx
Attached pdf is corrupt and unable to be opened. Please re-send. - xx/xx/xxxx
Our calculation would have about 11 months of reserves. Not sure why reserves and cash do not meet guidelines - xx/xx/xxxx
 Audited Reserves of  month(s) are greater than or equal to Guideline Required Reserves of  month(s) - xx/xx/xxxx

What is the calculation for audited reserves, we have adequate reserves looking at the statements provided, even if you apply a 60% haircut to the cash value of the life insurance policies (guidelines say life insurance should be 100%) or use the average balance at xxxxxx of $xxxxxx then there is still more than PITIA ($xxxxxx) * 6 months = $xxxxxx - xx/xx/xxxx

Condition upheld.  Borrower is still short -$xxxxxx in cash to close/reserves. - xx/xx/xxxx

Assets uploaded - xx/xx/xxxx

Attached pdf is corrupt and unable to be opened. Please re-send. - xx/xx/xxxx

Our calculation would have about 11 months of reserves. Not sure why reserves and cash do not meet guidelines - xx/xx/xxxx

 2026-06-30 13:47 Resolved 3 1 3 2
4000126381 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9540490 5 of 6 xx/xx/xxxx Compliance Federal - Qualified Mortgage Loan Features (01/14) This loan cannot be a General Qualified Mortgage. The (120.0) months interest only payments make it ineligible. (12 CFR 1026.43(e)(2)(i)(B)) Loan is Non-QM. Finding re-opened in error Finding re-opened in error







What are you looking for here? Condition is not clear.  - xx/xx/xxxx

 Finding re-opened in error - xx/xx/xxxx

Finding opened in error, invalid finding. - xx/xx/xxxx

Finding re-opened in error - xx/xx/xxxx

Finding re-opened in error - xx/xx/xxxx

What are you looking for here? Condition is not clear.  - xx/xx/xxxx

. - xx/xx/xxxx

 Finding re-opened in error - xx/xx/xxxx

Finding opened in error, invalid finding. - xx/xx/xxxx

Finding re-opened in error - xx/xx/xxxx

Finding re-opened in error - xx/xx/xxxx

What are you looking for here? Condition is not clear.  - xx/xx/xxxx

. - xx/xx/xxxx

 2026-06-17 19:47 Resolved 1 1 3 1
4000126083 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9247927 1 of 3 xx/xx/xxxx Credit Cash reserves less than required by guidelines Loan file contains an xxxxxxBank statement which reflected a balance of $xxxxxx. The total monthly PITIA is $xxxxxx. Per Lender guidelines v8.8 section 16.3, the borrower is required to have six months' PITIA for a total of $xxxxxx. The subject loan is short to close $xxxxxx. Total Cash reserves of '$-xxxxxx' are less than $0.

xxxxxx account show receipt of the 1031 exchange funds.  - xx/xx/xxxx

 See attached  - xx/xx/xxxx

 See attached  - xx/xx/xxxx

 See attached  - xx/xx/xxxx

 Attached is the HUD from the 1031 exchange. Borrower has sufficient reserves - xx/xx/xxxx

 Total Cash reserves are greater than $0. - xx/xx/xxxx
xxxxxx account show receipt of the 1031 exchange funds.  - xx/xx/xxxx
See attached  - xx/xx/xxxx
Condition upheld. The same xxxxxx Bank Statement datedxx/xx/xxxx that has an opening balance of $xxxxxx, Deposits of $xxxxxx, and and ending balance of $xxxxxx was provided.  There is still no evidence of where the $xxxxxx in cash from the 1031 exchange went.  - xx/xx/xxxx
See attached  - xx/xx/xxxx
Condition upheld.  File shows evidence of $xxxxxx from the 1031 wired to Title.  There is no evidence of where the $xxxxxx cash went.  Provide evidence of that. - xx/xx/xxxx
See attached  - xx/xx/xxxx
Condition upheld.  Borrower given credit for $xxxxxx from 1031 exchange and $xxxxxx from Savings Account.  Borrower is still short funds to close/reserves. - xx/xx/xxxx
Attached is the HUD from the 1031 exchange. Borrower has sufficient reserves - xx/xx/xxxx
 Total Cash reserves are greater than $0. - xx/xx/xxxx
xxxxxx account show receipt of the 1031 exchange funds.  - xx/xx/xxxx
See attached  - xx/xx/xxxx
Condition upheld. The same xxxxxx Bank Statement datedxx/xx/xxxx that has an opening balance of $xxxxxx, Deposits of $xxxxxx, and and ending balance of $xxxxxx was provided.  There is still no evidence of where the $xxxxxx in cash from the 1031 exchange went.  - xx/xx/xxxx
See attached  - xx/xx/xxxx
Condition upheld.  File shows evidence of $xxxxxx from the 1031 wired to Title.  There is no evidence of where the $xxxxxx cash went.  Provide evidence of that. - xx/xx/xxxx
See attached  - xx/xx/xxxx
Condition upheld.  Borrower given credit for $xxxxxx from 1031 exchange and $xxxxxx from Savings Account.  Borrower is still short funds to close/reserves. - xx/xx/xxxx
Attached is the HUD from the 1031 exchange. Borrower has sufficient reserves - xx/xx/xxxx
 2026-06-17 17:40 Resolved 3 1 3 1
4000125691 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9529297 2 of 3 xx/xx/xxxx Credit Purchase Contract - Addendum Missing The Purchase Contract Addendum is missing. Missing addendum with updated closing date



We would like to request a review of the condition requiring a purchase contract addendum.



This is a builder contract, and upon review of the agreement, Section 9 states that the Seller has the right to postpone and reschedule the closing date by providing notice to the purchaser. Since the contract already contains language addressing closing date changes, could you please review and consider waiving this condition?

 - xx/xx/xxxx

 Subject is New Construction. Section 9 states that the Seller has the right to postpone and reschedule the closing date by providing notice to the purchaser.  Condition resolved. - xx/xx/xxxx

We would like to request a review of the condition requiring a purchase contract addendum.



This is a builder contract, and upon review of the agreement, Section 9 states that the Seller has the right to postpone and reschedule the closing date by providing notice to the purchaser. Since the contract already contains language addressing closing date changes, could you please review and consider waiving this condition?

 - xx/xx/xxxx

 Subject is New Construction. Section 9 states that the Seller has the right to postpone and reschedule the closing date by providing notice to the purchaser.  Condition resolved. - xx/xx/xxxx

We would like to request a review of the condition requiring a purchase contract addendum.



This is a builder contract, and upon review of the agreement, Section 9 states that the Seller has the right to postpone and reschedule the closing date by providing notice to the purchaser. Since the contract already contains language addressing closing date changes, could you please review and consider waiving this condition?

 - xx/xx/xxxx

 2026-06-11 20:46 Resolved 2 1 3 1
4000131142 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9705942 3 of 3 xx/xx/xxxx Credit Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Per the lender guidelines v8.9, 7.2 Housing History - Housing history evidenced by twelve (12) months proof of payment via cancelled checks, bank debits or institutional VOR. The loan file does contain cancelled checks from xxxxxx to xxxxxx; however, the loan file is missing the VOR. 

We provided a combination of mortgage history from Credit report and bank statements showing rental payments to complete 12 month history  - xx/xx/xxxx

 Cancelled checks and Bank Statements were provided.  Condition resolved. - xx/xx/xxxx

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - xx/xx/xxxx

We provided a combination of mortgage history from Credit report and bank statements showing rental payments to complete 12 month history  - xx/xx/xxxx

 Cancelled checks and Bank Statements were provided.  Condition resolved. - xx/xx/xxxx

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - xx/xx/xxxx

We provided a combination of mortgage history from Credit report and bank statements showing rental payments to complete 12 month history  - xx/xx/xxxx

 2026-06-18 19:57 Resolved 3 1 3 1
4000127987 xx/xx/xxxx xxxxx xxxxx MS Second Home Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9556035 3 of 6 xx/xx/xxxx Credit Assets - Large Deposits/Acceptable The loan file does not contain all required asset documentation. Recent large deposits were not adequately sourced and/or documented and loan file did not require these funds to qualify. Lender to document/ source the large deposit into asset 1 account. Balancexx/xx/xxxx $xxxxxx then balance onxx/xx/xxxxas $xxxxxx. Where did $xxxxxx come from, no documentation or paper trail for the funds in the file 

we are not sure other account you are referring to as  I only have one account

Asset 2 Less Than 2 Months Verified -- Asset has less than 2 months verified in file., Lender to provide the complete bank statements for xxxxxx and xxxxxx for asset 2. The half page printout is not acceptable per the guidelines. – please let me know if the statements in the file are sufficient and I will submit.
 - xx/xx/xxxx
 Assets for depletion are sufficient per guidelines.  Condition resolved. - xx/xx/xxxx
we are not sure other account you are referring to as  I only have one account

Asset 2 Less Than 2 Months Verified -- Asset has less than 2 months verified in file., Lender to provide the complete bank statements for xxxxxx and xxxxxx for asset 2. The half page printout is not acceptable per the guidelines. – please let me know if the statements in the file are sufficient and I will submit.
 - xx/xx/xxxx
 Assets for depletion are sufficient per guidelines.  Condition resolved. - xx/xx/xxxx
we are not sure other account you are referring to as  I only have one account

Asset 2 Less Than 2 Months Verified -- Asset has less than 2 months verified in file., Lender to provide the complete bank statements for xxxxxx and xxxxxx for asset 2. The half page printout is not acceptable per the guidelines. – please let me know if the statements in the file are sufficient and I will submit.
 - xx/xx/xxxx
 2026-06-15 19:59 Resolved 2 1 4 1
4000130828 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9434212 1 of 4 xx/xx/xxxx Credit Business Purpose - Loan Guaranty/Missing The xxxxxx Loan Guaranty is missing. DOT vested in LLC. Missing guaranty agreement from borrower.

We are being conditioned for a Guaranty Agreement, however xxxxxx does not require a separate “Guarantor Agreement” as we have the applicable docs executed by the borrower as both “Member” of the LLC and as “Borrower” to the loan, essentially establishing the guaranty. - xx/xx/xxxx

 Condition set in error.  Borrower signed as an Individual and as a Member of the LLC.   - xx/xx/xxxx

The xxxxxxonal Loan Guaranty is not missing. - xx/xx/xxxx

We are being conditioned for a Guaranty Agreement, however xxxxxx does not require a separate “Guarantor Agreement” as we have the applicable docs executed by the borrower as both “Member” of the LLC and as “Borrower” to the loan, essentially establishing the guaranty. - xx/xx/xxxx

 Condition set in error.  Borrower signed as an Individual and as a Member of the LLC.   - xx/xx/xxxx
The xxxxxxonal Loan Guaranty is not missing. - xx/xx/xxxx
We are being conditioned for a Guaranty Agreement, however xxxxxx does not require a separate “Guarantor Agreement” as we have the applicable docs executed by the borrower as both “Member” of the LLC and as “Borrower” to the loan, essentially establishing the guaranty. - xx/xx/xxxx
 2026-06-11 17:51 Resolved 4 1 4 1
4000122586 xx/xx/xxxx xxxxx xxxxx MA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8622919 4 of 4 xx/xx/xxxx Credit Satisfactory Chain of Title not Provided Unsatisfactory chain of title provided. Provided Title does not have a 24-month chain of Title. 

Warranty Deed - xx/xx/xxxx

 Chain of Title on page 11 - xx/xx/xxxx

 Warranty Deed provided.  Condition resolved. - xx/xx/xxxx
Satisfactory Chain of Title has been provided - xx/xx/xxxx
Warranty Deed - xx/xx/xxxx
Provide the Grant/Warranty deed from xxxxxx to xxxxxx.  - xx/xx/xxxx
Chain of Title on page 11 - xx/xx/xxxx
 Warranty Deed provided.  Condition resolved. - xx/xx/xxxx

Satisfactory Chain of Title has been provided - xx/xx/xxxx

Warranty Deed - xx/xx/xxxx

Provide the Grant/Warranty deed from xxxxxx to xxxxxx.  - xx/xx/xxxx

Chain of Title on page 11 - xx/xx/xxxx

 2026-04-17 16:13 Resolved 3 1 3 1
4000123558 xx/xx/xxxx xxxxx xxxxx VA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9075087 3 of 5 xx/xx/xxxx Credit Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd party VOE prior to close missing. 

VVOE provided - xx/xx/xxxx

 Tcert - xx/xx/xxxx

 Borrower 1 3rd Party VOE prior to close was provided. - xx/xx/xxxx

VVOE provided - xx/xx/xxxx

Tcert - xx/xx/xxxx

 Borrower 1 3rd Party VOE prior to close was provided. - xx/xx/xxxx

VVOE provided - xx/xx/xxxx

Tcert - xx/xx/xxxx

 2026-08-14 15:14 Resolved 3 1 4 1
4000118433 xx/xx/xxxx xxxxx xxxxx OH Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8345184 1 of 3 xx/xx/xxxx Credit Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd party VOE prior to close missing. Missing VVOE dated 10 days prior to funding.



VVOE - xx/xx/xxxx

 VVOE provided.  Condition resolved.  - xx/xx/xxxx

Borrower 1 3rd Party VOE prior to close was provided. - xx/xx/xxxx

VVOE - xx/xx/xxxx

 VVOE provided.  Condition resolved.  - xx/xx/xxxx

Borrower 1 3rd Party VOE prior to close was provided. - xx/xx/xxxx

VVOE - xx/xx/xxxx

 2026-04-03 13:36 Resolved 3 1 3 1
4000128787 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9563037 1 of 4 xx/xx/xxxx Credit Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd party VOE prior to close missing.

VVOE - xx/xx/xxxx

 VVOE provided.  Condition resolved. - xx/xx/xxxx

Borrower 1 3rd Party VOE prior to close was provided. - xx/xx/xxxx

VVOE - xx/xx/xxxx

 VVOE provided.  Condition resolved. - xx/xx/xxxx

Borrower 1 3rd Party VOE prior to close was provided. - xx/xx/xxxx

VVOE - xx/xx/xxxx

 2026-07-20 14:16 Resolved 3 1 3 1
4000130567 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9490226 1 of 3 xx/xx/xxxx Credit Missing VOM or VOR Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Per the xxxxxx Guidelines 7.2 Housing History - Twelve (12) months housing history is required per FNMA requirements. Housing history evidenced by twelve (12) months proof of payment via cancelled checks, bank debits or VOR/VOM. The loan file contains a credit supplement; however, there is only 7 months of housing history. The borrower rented prior to the purchasing the Primary; however, there isnt any evidence in the loan file of the rental history. The loan file is missing 5 months of housing history. 



VOR/VOM - xx/xx/xxxx

 Evidence of current and previous housing history was provided.  Condition resolved. - xx/xx/xxxx

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - xx/xx/xxxx

VOR/VOM - xx/xx/xxxx

 Evidence of current and previous housing history was provided.  Condition resolved. - xx/xx/xxxx

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - xx/xx/xxxx

VOR/VOM - xx/xx/xxxx

 2026-06-04 16:27 Resolved 3 1 3 1
4000133539 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9794892 2 of 5 xx/xx/xxxx Credit Missing VOM or VOR Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Per the final Loan Application and Fraud Reports the borrower owns two financed REO, one with the same lender as the subject transaction. The mortgage with xxxxxx is not shown on the credit report. The VOM for xxxxxx - 9491 is missing from the loan file. Per xxxxxx guides xx/xx/xxxx V 8.9 Section 7.2 - all mortgages must be current through closing.

 

VOM/VOR xxxxxx-, it's not related to subject or primary, and xxxxxx DSCR only requires housing history for primary and subject per guideline. - Please waive - xx/xx/xxxx
 DSCR Loan.  VOM's are only required for the subject and the Primary.  The Primary Mortgage is in the spouse's name. 14 MLS were provided, but not required. - xx/xx/xxxx
Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - xx/xx/xxxx
VOM/VOR xxxxxx-, it's not related to subject or primary, and xxxxxx DSCR only requires housing history for primary and subject per guideline. - Please waive - xx/xx/xxxx
 DSCR Loan.  VOM's are only required for the subject and the Primary.  The Primary Mortgage is in the spouse's name. 14 MLS were provided, but not required. - xx/xx/xxxx
Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - xx/xx/xxxx
VOM/VOR xxxxxx-, it's not related to subject or primary, and xxxxxx DSCR only requires housing history for primary and subject per guideline. - Please waive - xx/xx/xxxx
 2026-06-29 19:58 Resolved 3 1 3 1
4000134937 xx/xx/xxxx xxxxx xxxxx NC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9898590 4 of 4 xx/xx/xxxx Credit Housing History Does Not Meet Guideline Requirements Housing history does not meet guideline requirements. VOR primary residence renting period noted is throughxx/xx/xxxx, and the VOR was dated by the owner on xx/xx/xxxx. The subject Note date isxx/xx/xxxx. Guidelines state 12 months housing history is required for all occupancy types and that all mortgage and rental payments should be current at time of closing. 



VOM provided shows the borrower being in good standing up until xxxxxx.  Attached are the additional payments from Jan, Feb, March, April, and May. - xx/xx/xxxx
 Updated VOR/VOM and pay history provided. Condition resolved. - xx/xx/xxxx
Housing history meets guideline requirements. - xx/xx/xxxx
VOM provided shows the borrower being in good standing up until xxxxxx.  Attached are the additional payments from xxxxxx. - xx/xx/xxxx
 Updated VOR/VOM and pay history provided. Condition resolved. - xx/xx/xxxx
Housing history meets guideline requirements. - xx/xx/xxxx
VOM provided shows the borrower being in good standing up until xxxxxx.  Attached are the additional payments from xxxxxx, xxxxxx. - xx/xx/xxxx
 2026-06-25 14:57 Resolved 3 1 3 1
4000125893 xx/xx/xxxx xxxxx xxxxx GA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9197277 1 of 5 xx/xx/xxxx Credit Missing VOM or VOR Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Lender to provide a credit supplement or a verification of mortgage for the current mortgage on the departing residence. 



vom - xx/xx/xxxx

 Credit Supplement provided.  Condition resolved. - xx/xx/xxxx

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - xx/xx/xxxx

vom - xx/xx/xxxx

 Credit Supplement provided.  Condition resolved. - xx/xx/xxxx

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - xx/xx/xxxx

vom - xx/xx/xxxx

 2026-06-09 13:44 Resolved 3 1 3 1
4000131279 xx/xx/xxxx xxxxx xxxxx LA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9614125 1 of 3 xx/xx/xxxx Credit Missing VOM or VOR Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing proof of primary mortgage being current and loan information for recently purchased investment property.



VOM - xx/xx/xxxx

 Credit Supplement for Primary was provided.  Condition resolved. - xx/xx/xxxx

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - xx/xx/xxxx

VOM - xx/xx/xxxx

 Credit Supplement for Primary was provided.  Condition resolved. - xx/xx/xxxx

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - xx/xx/xxxx

VOM - xx/xx/xxxx

 2026-06-11 16:11 Resolved 3 1 3 1
4000128940 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9683451 1 of 4 xx/xx/xxxx Credit Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd party VOE prior to close missing.

VOE - xx/xx/xxxx

 VOE - xx/xx/xxxx

 VVOE was provided.  Condition resolved. - xx/xx/xxxx

Borrower 1 3rd Party VOE prior to close was provided. - xx/xx/xxxx

VOE - xx/xx/xxxx

Condition upheld.  Provide VVOE completed within ten (10) calendar days of the closing date. - xx/xx/xxxx

VOE - xx/xx/xxxx

 VVOE was provided.  Condition resolved. - xx/xx/xxxx

Borrower 1 3rd Party VOE prior to close was provided. - xx/xx/xxxx

VOE - xx/xx/xxxx

Condition upheld.  Provide VVOE completed within ten (10) calendar days of the closing date. - xx/xx/xxxx

VOE - xx/xx/xxxx

 2026-06-24 16:31 Resolved 3 1 3 1
4000132841 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9707103 1 of 6 xx/xx/xxxx Credit Housing History Does Not Meet Guideline Requirements Housing history does not meet guideline requirements. Per the Fraud Report (see page 375-377) there are 2 current mortgages on the primary. #1) recorded xx/xx/xxxx, with #2) recorded xx/xx/xxxx. The credit report shows no mortgage payment history as required per xxxxxx guides. 



Verified prior to xxxxxx lien, subject was free and clear. no history required per xxxxxx GL. 2nd lien reflected is paid in full xxxxxx. - xx/xx/xxxx
 Please see attached.  - xx/xx/xxxx
 I am not sure what you are look for. The Fraud report does not have pages 375-377.  - xx/xx/xxxx
 Housing history meets guideline requirements. - xx/xx/xxxx
Verified prior to xxxxxx lien, subject was free and clear. no history required per xxxxxx GL. 2nd lien reflected is paid in full xxxxxx. - xx/xx/xxxx
Please see attached.  - xx/xx/xxxx
Document Uploaded. Condition upheld.  See the attached pages of the Fraud Report. - xx/xx/xxxx
I am not sure what you are look for. The Fraud report does not have pages 375-377.  - xx/xx/xxxx
 Housing history meets guideline requirements. - xx/xx/xxxx
Verified prior to xxxxxx lien, subject was free and clear. no history required per xxxxxx GL. 2nd lien reflected is paid in full xxxxxx. - xx/xx/xxxx
Please see attached.  - xx/xx/xxxx
Document Uploaded. Condition upheld.  See the attached pages of the Fraud Report. - xx/xx/xxxx
I am not sure what you are look for. The Fraud report does not have pages 375-377.  - xx/xx/xxxx
 2026-06-16 17:54 Resolved 3 1 3 1
4000131257 xx/xx/xxxx xxxxx xxxxx AR Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9583576 1 of 3 xx/xx/xxxx Credit Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd party VOE prior to close missing. Per guidelines, for the P&L program a verification of business existence and that the business is fully operational/active is required within ten (10) calendar days of closing. The VOE within 10 days of closing is missing in the loan file.
 



 verification of existance and active/operational - xx/xx/xxxx

 SE verification - xx/xx/xxxx

 VVOE was provided. Condition resolved. - xx/xx/xxxx

Borrower 1 3rd Party VOE prior to close was provided. - xx/xx/xxxx

verification of existance and active/operational - xx/xx/xxxx

Condition upheld.  Document provided is illegible.  - xx/xx/xxxx

SE verification - xx/xx/xxxx

 VVOE was provided. Condition resolved. - xx/xx/xxxx

Borrower 1 3rd Party VOE prior to close was provided. - xx/xx/xxxx

verification of existance and active/operational - xx/xx/xxxx

Condition upheld.  Document provided is illegible.  - xx/xx/xxxx

SE verification - xx/xx/xxxx

 2026-06-12 20:39 Resolved 3 1 3 1
4000133043 xx/xx/xxxx xxxxx xxxxx TX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9752279 1 of 5 xx/xx/xxxx Credit Program Parameters - Property Type The subject loan does not meet program parameters for property type. Per FNMA, rents for ADUs are only allowed for primary residence purchase or rate/term refinance transactions. The appraiser's comments on the 1007 relate to the subject property, and do not value the ADU separately. The primary residence and the ADU are not separately metered. FNMA allows 30% of rents to be used for purchase and rate/term transactions (xxxxxx guides V8.9xx/xx/xxxx states to follow FNMA for ADUs). Accordingly, the subject's Market rent including the ADU does not qualify, and a separate analysis reflecting a breakdown of the rents from the subject and the ADU was not provided to meet guides for use of the rents on the subject only. Thirty percent of rents using the listing for the ADU of $xxxxxx is $xxxxxx, which would provide a non-qualifying DSCR of .xxxxxx. 

UW's response and LOE - xx/xx/xxxx

 Condition set in error.  ADU was given no value.   Condition resolved. - xx/xx/xxxx

UW's response and LOE - xx/xx/xxxx

 Condition set in error.  ADU was given no value.   Condition resolved. - xx/xx/xxxx

UW's response and LOE - xx/xx/xxxx

 2026-06-23 20:13 Resolved 3 1 3 1
4000131803 xx/xx/xxxx xxxxx xxxxx VA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9571282 3 of 3 xx/xx/xxxx Credit Assets - Earnest Money Deposit The earnest money deposit was not properly documented and/or sourced. The asset statement showing the additional deposit of $xxxxxx being transferred from the borrower's account is missing from the loan file. 

UW's Response - xx/xx/xxxx

 Per the verified funds in both xxxxxx Accounts, and one gift being deposited, and one wired to title, Borrower had sufficient funds.  Condition resolved. - xx/xx/xxxx

UW's Response - xx/xx/xxxx

 Per the verified funds in both xxxxxx Accounts, and one gift being deposited, and one wired to title, Borrower had sufficient funds.  Condition resolved. - xx/xx/xxxx

UW's Response - xx/xx/xxxx

 2026-06-10 15:01 Resolved 3 1 3 1
4000133043 xx/xx/xxxx xxxxx xxxxx TX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9752288 2 of 5 xx/xx/xxxx Credit Program Parameters - Occupancy The subject loan does not meet program parameters for occupancy. Occupancy validation is needed. The rental listing provided in file is for the 2-bedroom, 1 bath ADU, with utilities included, for $xxxxxx/mo. This supports the subject being Owner Occupied and not Non-Owner Occupied as stated in the loan file and used for qualifying under the DSCR program. Per the appraiser's sketch, the ADU is a 3-bedroom, 1 bath. The lender qualified using the listing datedxx/xx/xxxxsing rents for the ADU of $xxxxxx, not the Market rent estimate of $xxxxxx, further supporting this issue. Images in the ADU rental listing are the same as the ones from the appraisal for the ADU.

UW's response - xx/xx/xxxx

 Condition set in error.  ADU was given no value.   Condition resolved. - xx/xx/xxxx

UW's response - xx/xx/xxxx

 Condition set in error.  ADU was given no value.   Condition resolved. - xx/xx/xxxx

UW's response - xx/xx/xxxx

 2026-06-23 20:12 Resolved 3 1 3 1
4000131543 xx/xx/xxxx xxxxx xxxxx WA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9487342 1 of 3 xx/xx/xxxx Credit Missing VOM or VOR Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Lender to provide a VOM or a credit supplement for the primary residence mortgage. Require housing history to verify it is current as of closing. 



UW response and mortgage statements.  - xx/xx/xxxx

 CR and Mortgage Statements provided and in file verify Mortgage was current.  Condition resolved. - xx/xx/xxxx

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - xx/xx/xxxx

UW response and mortgage statements.  - xx/xx/xxxx

 CR and Mortgage Statements provided and in file verify Mortgage was current.  Condition resolved. - xx/xx/xxxx

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - xx/xx/xxxx

UW response and mortgage statements.  - xx/xx/xxxx

 2026-06-04 19:45 Resolved 3 1 3 1
4000122067 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8579107 4 of 4 xx/xx/xxxx Credit Liabilities - Collections The number of collections verified in the loan file exceeded the maximum allowed per program guidelines. The Final 1003 reflects a Collections/Judgments and Liens for $xxxxxx with a monthly payment of $xxxxxx a month payment. There was not any information in the loan file stating what the collection is references too. 

UW rebuttal / explanation for liabilities condition - xx/xx/xxxx

 Per Guidelines, Charge-off DLA is xxxxxx and does not impact Title.  Not required to be paid-off.  Condition resolved. - xx/xx/xxxx
UW rebuttal / explanation for liabilities condition - xx/xx/xxxx
 Per Guidelines, Charge-off DLA is xxxxxx and does not impact Title.  Not required to be paid-off.  Condition resolved. - xx/xx/xxxx
UW rebuttal / explanation for liabilities condition - xx/xx/xxxx
 2026-04-16 14:41 Resolved 3 1 4 1
4000130234 xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9605259 1 of 4 xx/xx/xxxx Credit Audited LTV Exceeds Guideline LTV Audited LTV exceeds guideline LTV. Per guidelines, when the qualifying FICO score is xxxxxx the maximum LTV for a cash out refinance cannot be higher than 65% when the DSCR is greater than 1. The loan was approved with an LTV of 75%. A formal exception was not located in the loan file.

 

 UW memo - xx/xx/xxxx

 Condition set in error.  Data entry issue. - xx/xx/xxxx

UW memo - xx/xx/xxxx

 Condition set in error.  Data entry issue. - xx/xx/xxxx

UW memo - xx/xx/xxxx

 2026-06-11 13:20 Resolved 3 1 3 1
4000129208 xx/xx/xxxx xxxxx xxxxx NV Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9577606 5 of 6 xx/xx/xxxx Credit Assets - Authorization Access for Joint Account The file does not contain authorization access for funds from joint account holder. Business Funds are being used.  Per Guidelines:  All non-borrowing owners of the business must provide a signed and dated letter acknowledging the transaction and confirming the borrower’s access to funds in the account

UW LOX, operating agreement, LOE - xx/xx/xxxx

 Access Letter was provided. Condition resolved.  - xx/xx/xxxx

UW LOX, operating agreement, LOE - xx/xx/xxxx

 Access Letter was provided. Condition resolved.  - xx/xx/xxxx

UW LOX, operating agreement, LOE - xx/xx/xxxx

 2026-06-26 14:51 Resolved 3 1 4 1
4000118618 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8437094 2 of 4 xx/xx/xxxx Credit Program Parameters - Property Type The subject loan does not meet program parameters for property type. The Subject Property is zoned Residential Agricultural.    Please provide the corresponding Investor Exception Approval with compensating factors. 



uw loe - xx/xx/xxxx

 Rebuttal provided and xxxxxx  provided comments: The property is rural, however zoned for residential use and is 2 acres, so no agricultural use is present. Condition resolved. - xx/xx/xxxx

uw loe - xx/xx/xxxx

 Rebuttal provided and xxxxxx  provided comments: The property is rural, however zoned for residential use and is 2 acres, so no agricultural use is present. Condition resolved. - xx/xx/xxxx

uw loe - xx/xx/xxxx

 2026-04-16 16:59 Resolved 3 1 3 1
4000123558 xx/xx/xxxx xxxxx xxxxx VA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9089663 5 of 5 xx/xx/xxxx Credit Other Credit Finding The property type listed in the appraisal is Single Family Residence (SFR); however, the subject property is actually a detached Planned Unit Development (PUD) according to the 1008 form, lock confirmation, PUD rider, and HOA statement found in the loan file. Please provide an updated appraisal that accurately reflects the subject property as a detached PUD.

updated report - xx/xx/xxxx

 Corrected Appraisal and updated LCA and CU were provided.  Condition resolved. - xx/xx/xxxx

updated report - xx/xx/xxxx

 Corrected Appraisal and updated LCA and CU were provided.  Condition resolved. - xx/xx/xxxx

updated report - xx/xx/xxxx

 2026-06-23 18:33 Resolved 4 1 4 1
4000127362 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9338632 3 of 5 xx/xx/xxxx Credit Named Insured on HO6 Master Policy does not match HOA Name Named insured on HO-6 master insurance policy does not match HOA name. HO-6 Master Insurance does not reflect name on HOA due to incomplete HOA/Builder in control



updated master - xx/xx/xxxx

 Condition set in error.  Name insured on Condo Master policy is correct. - xx/xx/xxxx

updated master - xx/xx/xxxx

 Condition set in error.  Name insured on Condo Master policy is correct. - xx/xx/xxxx

updated master - xx/xx/xxxx

 2026-06-03 18:16 Resolved 3 1 3 1
4000127362 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9338601 2 of 5 xx/xx/xxxx Credit Builder is in control of HOA Builder is in control of HOA. Appraisal indicates the condominium HOA is under developer control. File does not document whether the project meets applicable condominium project eligibility requirements based on current development status. Additional documentation/confirmation of project classification (new vs established) and investor eligibility is required.



updated appraisal - xx/xx/xxxx

 Per Condo Questionnaire, and Corrected Appraisal, Builder is not in control.  Condition resolved. - xx/xx/xxxx

Builder is not in control of HOA - xx/xx/xxxx

updated appraisal - xx/xx/xxxx

 Per Condo Questionnaire, and Corrected Appraisal, Builder is not in control.  Condition resolved. - xx/xx/xxxx

Builder is not in control of HOA - xx/xx/xxxx

updated appraisal - xx/xx/xxxx

 2026-06-03 18:08 Resolved 3 1 3 1
4000102178 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 6331140 1 of 3 xx/xx/xxxx Credit Eligibility - Investor Experience The borrower(s) investor experience does not meet guideline requirements. DSCR Plus does not allow xxxxxx** Per the loan application the borrower rents the current and previous residence with no other property ownership per section 3 of the loan application (Real Estate Section), the declarations section in addition to a rent-free letter in file, however, the credit report shows a mortgage with xxxxxx. The Fraud Report shows the borrower is co-owner of xxxxxx sincexx/xx/xxxx & matches the mortgage loan information on the loan application. Lender to correct the loan application and add the occupancy type and property information for the current mortgaged property with its components and provide an LOE for its omission.
 

 updated 1003 uploaded - xx/xx/xxxx

 The borrower(s) investor experience does meet guideline requirements. - xx/xx/xxxx

Yes - xx/xx/xxxx

The borrower(s) investor experience does meet guideline requirements. - xx/xx/xxxx

The borrower(s) investor experience does meet guideline requirements. - xx/xx/xxxx

Yes - xx/xx/xxxx

updated 1003 uploaded - xx/xx/xxxx

 The borrower(s) investor experience does meet guideline requirements. - xx/xx/xxxx

Yes - xx/xx/xxxx

The borrower(s) investor experience does meet guideline requirements. - xx/xx/xxxx

The borrower(s) investor experience does meet guideline requirements. - xx/xx/xxxx

Yes - xx/xx/xxxx

updated 1003 uploaded - xx/xx/xxxx

 2026-02-06 20:59 Resolved 3 1 3 1
4000135044 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9998429 4 of 4 xx/xx/xxxx Credit Citizenship Documentation Not Provided Borrower 1 Citizenship Documentation is missing from the file. Clarification on citizenship. 1003 reflects borrower is Perminant resident, however US Passport provided for ID.



Updated 1003 reflecting US citizen - xx/xx/xxxx

 1003 uploaded - xx/xx/xxxx

 Borrower is a US citizen.  US Passport uploaded. - xx/xx/xxxx

 Borrower 1 Citizenship Documentation Provided or Not Required - xx/xx/xxxx

Updated 1003 reflecting US citizen - xx/xx/xxxx

1003 uploaded - xx/xx/xxxx

1003 to be corrected to reflect US Citizen - xx/xx/xxxx

Borrower is a US citizen.  US Passport uploaded. - xx/xx/xxxx

 Borrower 1 Citizenship Documentation Provided or Not Required - xx/xx/xxxx

Updated 1003 reflecting US citizen - xx/xx/xxxx

1003 uploaded - xx/xx/xxxx

1003 to be corrected to reflect US Citizen - xx/xx/xxxx

Borrower is a US citizen.  US Passport uploaded. - xx/xx/xxxx

 2026-07-06 14:19 Resolved 3 1 3 1
4000128919 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9934159 8 of 8 xx/xx/xxxx Credit Missing Application Corrected 1003 required to show Borrower has no primary housing expense on page one.

Updated 1003 provided - xx/xx/xxxx

 Final App - xx/xx/xxxx

 1003 reflects no housing on primary, updated - xx/xx/xxxx

Updated 1003 provided - xx/xx/xxxx

Final App - xx/xx/xxxx

 1004 reflects no housing on primary, updated - xx/xx/xxxx

Updated 1003 provided - xx/xx/xxxx

Final App - xx/xx/xxxx

 2026-06-29 13:29 Resolved 3 1 3 1
4000131536 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9637062 1 of 3 xx/xx/xxxx Credit Income - Income Documentation Missing The loan file did not contain the required income documentation. Missing/unable to determine income source $xxxxxx monthly listed on final 1003 & 1008.

Updated 1003 and 1008 - xx/xx/xxxx

 Updated 1003 and 1008 were provided.  Condition resolved. - xx/xx/xxxx

Updated 1003 and 1008 - xx/xx/xxxx

 Updated 1003 and 1008 were provided.  Condition resolved. - xx/xx/xxxx

Updated 1003 and 1008 - xx/xx/xxxx

 2026-06-18 21:03 Resolved 3 1 3 1
4000102730 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 6437591 1 of 3 xx/xx/xxxx Credit Approval/Underwriting Summary Not Provided The loan did not contain the Approval/Underwriting Summary.

Underwriting summary attached - xx/xx/xxxx

 Lender loan terms sheet provided, condition resolved.  - xx/xx/xxxx

Underwriting summary attached - xx/xx/xxxx

 Lender loan terms sheet provided, condition resolved.  - xx/xx/xxxx

Underwriting summary attached - xx/xx/xxxx

 2025-12-03 20:42 Resolved 1 1 1 1
4000124728 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9177877 1 of 4 xx/xx/xxxx Credit Loan Package - Trust Agreement Missing The loan file did not contain the Trust Agreement as required. Lender to provide the revocable family trust for the borrower. Loan closed in the trust name as well. 



Underwriter Response - xx/xx/xxxx

 Please see attached Lender Cert.  - xx/xx/xxxx

 Trust Cert - xx/xx/xxxx

 Certification of Trust Provided. Resolved.  - xx/xx/xxxx
Condition upheld.  Per xxxxxx/xxxxxx  a copy of the Trust Agreement must be reviewed and in file. - xx/xx/xxxx
Underwriter Response - xx/xx/xxxx
Condition upheld.  The Certification of Trust was provided again. The loan file is missing a copy of the entire xxxxxx.
 - xx/xx/xxxx
Please see attached Lender Cert.  - xx/xx/xxxx
Condition upheld.  A duplicate copy of the Certification of the Trust was provided.  The loan file is missing the actual Trust Agreement. - xx/xx/xxxx
Trust Cert - xx/xx/xxxx
 Certification of Trust Provided. Resolved.  - xx/xx/xxxx

Condition upheld.  Per xxxxxx/xxxxxx  a copy of the Trust Agreement must be reviewed and in file. - xx/xx/xxxx

Underwriter Response - xx/xx/xxxx

Condition upheld.  The Certification of Trust was provided again. The loan file is missing a copy of the entire xxxxxx.
 - xx/xx/xxxx

Please see attached Lender Cert.  - xx/xx/xxxx

Condition upheld.  A duplicate copy of the Certification of the Trust was provided.  The loan file is missing the actual Trust Agreement. - xx/xx/xxxx

Trust Cert - xx/xx/xxxx

 2026-06-08 21:52 Resolved 3 1 3 1
4000117724 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8318593 1 of 5 xx/xx/xxxx Credit Borrower 1 Gap Credit Report is Missing Borrower 1 Gap Credit Report is Missing Credit Report date xx/xx/xxxx to Note datexx/xx/xxxxs a lapse of 91 days. The Gap Credit Report is missing.



UDN - xx/xx/xxxx

 UDM Report provided.  Condition resolved. - xx/xx/xxxx

Borrower 1 Gap Credit Report is not missing. - xx/xx/xxxx

UDN - xx/xx/xxxx

 UDM Report provided.  Condition resolved. - xx/xx/xxxx

Borrower 1 Gap Credit Report is not missing. - xx/xx/xxxx

UDN - xx/xx/xxxx

 2026-04-03 15:05 Resolved 4 1 4 2
4000120506 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8733141 7 of 7 xx/xx/xxxx Credit Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date).

udn - xx/xx/xxxx

 UDM Report provided.  Condition resolved. - xx/xx/xxxx

Borrower 1 Gap Credit Report is not expired. - xx/xx/xxxx

udn - xx/xx/xxxx

 UDM Report provided.  Condition resolved. - xx/xx/xxxx

Borrower 1 Gap Credit Report is not expired. - xx/xx/xxxx

udn - xx/xx/xxxx

 2026-04-17 17:43 Resolved 3 1 4 1
4000131401 xx/xx/xxxx xxxxx xxxxx KS Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9869278 1 of 3 xx/xx/xxxx Credit Borrower 1 Gap Credit Report is Missing Borrower 1 Gap Credit Report is Missing The origination credit report is datedxx/xx/xxxxnd is >90 days old. A gap report verifying current payments and no new debt is required. 



UDN - xx/xx/xxxx

 UDN/GAP Report provided.  Condition resolved. - xx/xx/xxxx

Borrower 1 Gap Credit Report is not missing. - xx/xx/xxxx

UDN - xx/xx/xxxx

 UDN/GAP Report provided.  Condition resolved. - xx/xx/xxxx

Borrower 1 Gap Credit Report is not missing. - xx/xx/xxxx

UDN - xx/xx/xxxx

 2026-06-25 13:22 Resolved 4 1 4 1
4000118179 xx/xx/xxxx xxxxx xxxxx AZ Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8547527 3 of 3 xx/xx/xxxx Credit Loan Package - Trust Agreement Missing The loan file did not contain the Trust Agreement as required. Lender to provide Trust Agreement and Trust Certification missing from the loan file.



Trust - xx/xx/xxxx

 Trust Agreement and Trust Certification provided.  Condition resolved. - xx/xx/xxxx

Trust - xx/xx/xxxx

 Trust Agreement and Trust Certification provided.  Condition resolved. - xx/xx/xxxx

Trust - xx/xx/xxxx

 2026-04-14 13:19 Resolved 3 1 3 1
4000123558 xx/xx/xxxx xxxxx xxxxx VA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9087423 4 of 5 xx/xx/xxxx Compliance Missing Toolkit Disclosure/Booklet Home Loan Toolkit is missing from file.

Tool Kit evidence provided.  - xx/xx/xxxx

 disclosure package with Tool kit - xx/xx/xxxx

 Tool Kit evidence provided.  - xx/xx/xxxx

disclosure package with Tool kit - xx/xx/xxxx

 Tool Kit evidence provided.  - xx/xx/xxxx

disclosure package with Tool kit - xx/xx/xxxx

 2026-05-14 18:36 Resolved 2 1 4 1
4000124674 xx/xx/xxxx xxxxx xxxxx SD Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9030207 2 of 4 xx/xx/xxxx Credit Title Coverage is Less than Subject Lien(s) Total Title coverage is less than total amount of subject lien(s). The loan file contained title coverage of $xxxxxx; however, the loan amount is for $xxxxxx.

title - xx/xx/xxxx

 Corrected Title provided.  Condition resolved. - xx/xx/xxxx
Title coverage amount of $xxxxxx is equal to or greater than total amount of subject lien(s) $xxxxxx+0+0 - xx/xx/xxxx
title - xx/xx/xxxx
 Corrected Title provided.  Condition resolved. - xx/xx/xxxx
Title coverage amount of $xxxxxx is equal to or greater than total amount of subject lien(s) $xxxxxx+0+0 - xx/xx/xxxx
title - xx/xx/xxxx
 2026-06-14 19:16 Resolved 3 1 4 1
4000131734 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9822703 1 of 3 xx/xx/xxxx Credit Title Document Missing Title document is missing. Missing preliminary or final title in file.



title - xx/xx/xxxx

 Prelim Title was provided.  Condition resolved. - xx/xx/xxxx

Title document is fully present - xx/xx/xxxx

title - xx/xx/xxxx

 Prelim Title was provided.  Condition resolved. - xx/xx/xxxx

Title document is fully present - xx/xx/xxxx

title - xx/xx/xxxx

 2026-06-22 16:40 Resolved 3 1 4 1
4000123123 xx/xx/xxxx xxxxx xxxxx FL Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8505999 3 of 4 xx/xx/xxxx Compliance Missing evidence of rate lock Missing evidence of Rate Lock. Please provide the xxxxxx - xxxxxx rate lock agreement. 



This is the lock in your system that you could have pulled. I am not sure what is being asked for from me?  - xx/xx/xxxx

 see attached  - xx/xx/xxxx

 Investor Lock provided.  Condition resolved. - xx/xx/xxxx

Evidence of Rate Lock Provided - xx/xx/xxxx

This is the lock in your system that you could have pulled. I am not sure what is being asked for from me?  - xx/xx/xxxx

Condition upheld.  Provide Investor Lock between xxxxxx and xxxxxx. - xx/xx/xxxx

see attached  - xx/xx/xxxx

 Investor Lock provided.  Condition resolved. - xx/xx/xxxx

Evidence of Rate Lock Provided - xx/xx/xxxx

This is the lock in your system that you could have pulled. I am not sure what is being asked for from me?  - xx/xx/xxxx

Condition upheld.  Provide Investor Lock between xxxxxx and xxxxxx. - xx/xx/xxxx

see attached  - xx/xx/xxxx

 2026-04-09 13:33 Resolved 3 1 4 1
4000102512 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 6421899 1 of 5 xx/xx/xxxx Compliance Missing Initial TIL Initial TIL (Truth in Lending) is missing.

This is not required. - xx/xx/xxxx

 Initial TIL (Truth in Lending) is not missing. - xx/xx/xxxx

DSCR does not require TIL - xx/xx/xxxx

This is not required. - xx/xx/xxxx

 Initial TIL (Truth in Lending) is not missing. - xx/xx/xxxx

DSCR does not require TIL - xx/xx/xxxx

This is not required. - xx/xx/xxxx

 2025-12-09 16:07 Resolved 4 1 4 1
4000126130 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8843071 2 of 3 xx/xx/xxxx Credit Missing Tax Cert this is in the file - xx/xx/xxxx

 Tax Cert provided.  Condition resolved. - xx/xx/xxxx

this is in the file - xx/xx/xxxx

 Tax Cert provided.  Condition resolved. - xx/xx/xxxx

this is in the file - xx/xx/xxxx

 2026-04-27 16:14 Resolved 3 1 3 1
4000107728 xxxxx xx/xx/xxxx xxxxx xxxxx TX Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 7074391 1 of 3 xx/xx/xxxx Credit Borrower 1 Executed 4506-T Missing Borrower 1 Executed 4506-T missing from the file. The loan file is Full and Doc and the Signed 4506T is missing. 



This is for the xxxxxx WVOE program & 4506-T is not required. - xx/xx/xxxx

 Borrower 1 Executed 4506-T Provided - xx/xx/xxxx

4506 not required per guidelines on WVOE program. - xx/xx/xxxx

Borrower 1 Executed 4506-T Provided - xx/xx/xxxx

This is for the xxxxxx WVOE program & 4506-T is not required. - xx/xx/xxxx

 Borrower 1 Executed 4506-T Provided - xx/xx/xxxx

4506 not required per guidelines on WVOE program. - xx/xx/xxxx

Borrower 1 Executed 4506-T Provided - xx/xx/xxxx

This is for the xxxxxx WVOE program & 4506-T is not required. - xx/xx/xxxx

 2026-08-14 17:43 Resolved 1 1 1 1
4000130704 xx/xx/xxxx xxxxx xxxxx WA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9628049 1 of 5 xx/xx/xxxx Credit HO6 Master Insurance Policy is Missing Missing Condo / PUD project master insurance policy. The loan file is missing the Master Policy. 



There is no master policy. Borrower has HO-3 policy with more than enough rent loss coverage.

 - xx/xx/xxxx

 HO-6 Master Insurance Policy is fully present - xx/xx/xxxx

Corrected Policy was provided.  Additional condition was added.  This condition is resolved. - xx/xx/xxxx

There is no master policy. Borrower has HO-3 policy with more than enough rent loss coverage.

 - xx/xx/xxxx

 HO-6 Master Insurance Policy is fully present - xx/xx/xxxx

Corrected Policy was provided.  Additional condition was added.  This condition is resolved. - xx/xx/xxxx

There is no master policy. Borrower has HO-3 policy with more than enough rent loss coverage.

 - xx/xx/xxxx

 2026-06-16 20:26 Resolved 3 1 3 1
4000129795 xx/xx/xxxx xxxxx xxxxx TX Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9592603 3 of 3 xx/xx/xxxx Compliance Missing Doc - Affiliated Business Disclosure/Missing Required Affiliated Business Disclosure missing

there are no business affiliates in this transaction please advise - xx/xx/xxxx

 No affiliates used - xx/xx/xxxx

there are no business affiliates in this transaction please advise - xx/xx/xxxx

 No affiliates used - xx/xx/xxxx

there are no business affiliates in this transaction please advise - xx/xx/xxxx

 2026-06-11 14:54 Resolved 3 1 3 1
4000128543 xx/xx/xxxx xxxxx xxxxx TN Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9766631 3 of 3 xx/xx/xxxx Compliance Missing Doc - Affiliated Business Disclosure/Missing Required Affiliated Business Disclosure missing

There are no affiliates involved in this transaction. thank you   - xx/xx/xxxx

 There are no affiliates involved in this transaction. thank you   - xx/xx/xxxx

 There are no affiliates involved in this transaction. thank you   - xx/xx/xxxx

 2026-06-18 18:40 Resolved 3 1 3 1
4000125416 xx/xx/xxxx xxxxx xxxxx AZ Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9154705 2 of 4 xx/xx/xxxx Compliance Missing Doc - Affiliated Business Disclosure/Missing Required Affiliated Business Disclosure missing Privacy Notice Disclosure listed Affiliates.



there are no affiliates in this transaction - xx/xx/xxxx

 No affilate used - xx/xx/xxxx

there are no affiliates in this transaction - xx/xx/xxxx

 No affilate used - xx/xx/xxxx

there are no affiliates in this transaction - xx/xx/xxxx

 2026-06-11 15:13 Resolved 3 1 3 1
4000129289 xx/xx/xxxx xxxxx xxxxx TN Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9819859 4 of 4 xx/xx/xxxx Compliance Missing Doc - Affiliated Business Disclosure/Missing Required Affiliated Business Disclosure missing Privacy Notice listed affiliates 



There are no affiliates in this transaction - xx/xx/xxxx

 No affiliates - xx/xx/xxxx

There are no affiliates in this transaction - xx/xx/xxxx

 No affiliates - xx/xx/xxxx

There are no affiliates in this transaction - xx/xx/xxxx

 2026-06-22 13:49 Resolved 3 1 3 2
4000129828 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9669003 4 of 5 xx/xx/xxxx Credit Purchase Contract - Addendum Missing The Purchase Contract Addendum is missing. Page 5 of 14 states that the contract is subject to tenancies, but the tenant, location, rent, security deposit, and terms are blank. There are leases in the file that expire after the closing. Please provide the updated contract or addendum. 



The leases provided list the seller as the landlord. Those are clearly the applicable tenancies noted as applicable in the contract that transferred to the borrower at closing. - xx/xx/xxxx

 The leases are being transferred from the seller.  The lesser combined Lease Amount of $xxxxxx was used versus  Rent at $xxxxxx.  Condition resolved. - xx/xx/xxxx
The leases provided list the seller as the landlord. Those are clearly the applicable tenancies noted as applicable in the contract that transferred to the borrower at closing. - xx/xx/xxxx
 The leases are being transferred from the seller.  The lesser combined Lease Amount of $xxxxxx was used versus  Rent at $xxxxxx.  Condition resolved. - xx/xx/xxxx
The leases provided list the seller as the landlord. Those are clearly the applicable tenancies noted as applicable in the contract that transferred to the borrower at closing. - xx/xx/xxxx
 2026-06-12 18:15 Resolved 2 1 3 1
4000125390 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8807699 1 of 3 xx/xx/xxxx Credit Hazard Insurance Expiration Date is before the Note Date The Insurance Binder reflects an effective date of xx/xx/xxxx and an expiration date of xx/xx/xxxx. Please provide a corrected Insurance Binder showing the proper expiration date. Hazard insurance expiration date is prior to or equal to the Note date.



The homeowner’s insurance premium was paid to the insurance agent outside of closing.  We have confirmed the premium amount of $xxxxxx is accurate and they have refunded the borrower the difference.  We have updated the insurance premium POC amount on the PCCD.  There will be a small refund due to the borrower of $xxxxxx (final CD initial escrow $xxxxxx – PCCD initial escrow $xxxxxx) due to the decrease in the monthly insurance amount in the initial escrow account.  We can provide a copy of the refund check to the borrower.   - xx/xx/xxxx
 HOI binder with correct date, PCCD with correct premium, no refund to be issued due to PCB not paying HOI premium from closing proceeds. - xx/xx/xxxx
 Binder - xx/xx/xxxx
 Corrected HOI Policy provided.  Condition resolved. - xx/xx/xxxx
Hazard Insurance Expiration Date of xxxxxx is after the Note Date of xxxxxx Or Hazard Insurance Expiration Date Is Not Provided - xx/xx/xxxx
The homeowner’s insurance premium was paid to the insurance agent outside of closing.  We have confirmed the premium amount of $xxxxxx is accurate and they have refunded the borrower the difference.  We have updated the insurance premium POC amount on the PCCD.  There will be a small refund due to the borrower of $xxxxxx (final CD initial escrow $xxxxxx – PCCD initial escrow $xxxxxx) due to the decrease in the monthly insurance amount in the initial escrow account.  We can provide a copy of the refund check to the borrower.   - xx/xx/xxxx
Condition upheld.  HOI Policy provided states Premium id $xxxxxx. CD provided states HOI premium is $xxxxxx. - xx/xx/xxxx
HOI binder with correct date, PCCD with correct premium, no refund to be issued due to PCB not paying HOI premium from closing proceeds. - xx/xx/xxxx
Binder provided does not match premium paid on final CD. Please confirm that the binder provided in this rebuttal is the accurate policy and if it is provide PCCD refunding the premium for overpayment.  - xx/xx/xxxx
Binder - xx/xx/xxxx
 Corrected HOI Policy provided.  Condition resolved. - xx/xx/xxxx
Hazard Insurance Expiration Date of xxxxxx is after the Note Date of xxxxxx Or Hazard Insurance Expiration Date Is Not Provided - xx/xx/xxxx
The homeowner’s insurance premium was paid to the insurance agent outside of closing.  We have confirmed the premium amount of $xxxxxx is accurate and they have refunded the borrower the difference.  We have updated the insurance premium POC amount on the PCCD.  There will be a small refund due to the borrower of $xxxxxx (final CD initial escrow $xxxxxx – PCCD initial escrow $xxxxxx) due to the decrease in the monthly insurance amount in the initial escrow account.  We can provide a copy of the refund check to the borrower.   - xx/xx/xxxx
Condition upheld.  HOI Policy provided states Premium id $xxxxxxx. CD provided states HOI premium is $xxxxxx. - xx/xx/xxxx
HOI binder with correct date, PCCD with correct premium, no refund to be issued due to PCB not paying HOI premium from closing proceeds. - xx/xx/xxxx
Binder provided does not match premium paid on final CD. Please confirm that the binder provided in this rebuttal is the accurate policy and if it is provide PCCD refunding the premium for overpayment.  - xx/xx/xxxx
Binder - xx/xx/xxxx
 2026-06-12 01:46 Resolved 3 1 3 1
4000126200 xx/xx/xxxx xxxxx xxxxx TX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8978198 4 of 5 xx/xx/xxxx Credit Gift Letter - Missing A required gift letter was missing from the file and/or the donor funds were not verified.  Missing the gift funds letter from xxxxxx, the payer of the $xxxxxx EMD, in addition to an LOE for why the EMD was paid by the Real Estate Agent.

The EMD was not used as a qualifying asset for cash to close. Please refer to Final CD.  - xx/xx/xxxx

 There is no Gift or EMD per the Final CD and Final Closing Statement, condition resolved.  - xx/xx/xxxx

Condition set in error. There is no Gift or EMD per the Final CD and Final Closing Statement. - xx/xx/xxxx

Condition set in error.  There is no Gift or EMD per the Final CD and Final Closing Statement.  - xx/xx/xxxx

The EMD was not used as a qualifying asset for cash to close. Please refer to Final CD.  - xx/xx/xxxx

 There is no Gift or EMD per the Final CD and Final Closing Statement, condition resolved.  - xx/xx/xxxx

Condition set in error. There is no Gift or EMD per the Final CD and Final Closing Statement. - xx/xx/xxxx

Condition set in error.  There is no Gift or EMD per the Final CD and Final Closing Statement.  - xx/xx/xxxx

The EMD was not used as a qualifying asset for cash to close. Please refer to Final CD.  - xx/xx/xxxx

 2026-06-08 21:00 Resolved 3 1 3 1
4000134383 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9748975 1 of 8 xx/xx/xxxx Credit Calculated DSCR does not meet the Minimum DSCR allowed The Calculated DSCR of 'xxxxxx' is less than the minimum required DSCR of'1'. Calculated DSCR using the actual rents in place is less than min DSCR of 1.00 per most recent xxxxxx lock confirmation.

The DSCR is 1.04. Please see attached Lease #1 & #3 which should be calculated with an annual 3% increase as stated on pg. 4. (Lease Unit #1 $xxxxxx & Unit #3 $xxxxxx). - xx/xx/xxxx
 Rental income was re-calculated.  Per Leases, there is a clause that states per state law there will be a 3% increase in rent every year.   Condition resolved. - xx/xx/xxxx
The Calculated DSCR is equal to or greater than the minimum required DSCR, or Not Applicable - xx/xx/xxxx
The DSCR is xxxxxx. Please see attached Lease #1 & #3 which should be calculated with an annual 3% increase as stated on pg. 4. (Lease Unit #1 $xxxxxx & Unit #3 $xxxxxx). - xx/xx/xxxx
 Rental income was re-calculated.  Per Leases, there is a clause that states per state law there will be a 3% increase in rent every year.   Condition resolved. - xx/xx/xxxx
The Calculated DSCR is equal to or greater than the minimum required DSCR, or Not Applicable - xx/xx/xxxx
The DSCR is xxxxxx. Please see attached Lease #1 & #3 which should be calculated with an annual 3% increase as stated on pg. 4. (Lease Unit #1 $xxxxxx & Unit #3 $xxxxxx). - xx/xx/xxxx
 2026-06-17 14:18 Resolved 3 1 3 2
4000130717 xx/xx/xxxx xxxxx xxxxx MA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9455686 1 of 3 xx/xx/xxxx Credit Hazard Insurance - Other Insurance Incomplete The policy verifying other property insurance is not complete. Lender to provide rent loss coverage for the subject property.



the documents that I uploaded reflected the old policy reflected the exclusion coverage and I uploaded the new one that shows the coverage added on page 5 and on page 7 the insurance agent is pointing out its been removed. Why is this not acceptable?  this was already submitted but I didnt call it hoi i selected heloc by mistake.  - xx/xx/xxxx
 please see email stating its the same. Are you able to escalate this?  - xx/xx/xxxx
 per the agent the

The endorsement was removed effectivexx/xx/xxxx when we added the coverage

This should be satisfactory   Thanks



 
 
xxxxxx
Ready for tomorrow.
 
xxxxxx
 - xx/xx/xxxx
 please see full policy and it shows on page 3 full policy document and it does show that for them Loss of Use also includes rent loss.  It starts on page 3 of the coverage explanations:

20% of coverage A is $128,1xxxxxx
6 months rent loss would be $29,318.00
 - xx/xx/xxxx
 Updated policy provided, does not reference loss of use.  - xx/xx/xxxx
the documents that I uploaded reflected the old policy reflected the exclusion coverage and I uploaded the new one that shows the coverage added on page 5 and on page 7 the insurance agent is pointing out its been removed. Why is this not acceptable?  this was already submitted but I didnt call it hoi i selected heloc by mistake.  - xx/xx/xxxx
please see email stating its the same. Are you able to escalate this?  - xx/xx/xxxx
Condition upheld.  HOI Policy still shows a Loss of Use Exclusion, therefore has no Loss of Use. Also, page 3 of the HOI Policy states Dwelling Property 3- Special Form. Under Loss of Use Exclusion it states Dwelling Property 3 - Special Form Rent Loss is not insured. Provide evidence of Rent Loss Coverage. - xx/xx/xxxx
per the agent the

The endorsement was removed effectivexx/xx/xxxx when we added the coverage

This should be satisfactory   Thanks

xxxxxx
Ready for tomorrow.
 
xxxxxx
 - xx/xx/xxxx
Condition upheld.  Loss of use is not the same as Rental Loss Coverage.  It should further be noted that per page 3 of the Policy the subject property has a Loss of Use Exclusion, therefore has no Loss of Use.  Page 3 of the HOI Policy states Dwelling Property 3- Special Form. Under Loss of Use Exclusion it states Dwelling Property 3 - Special Form Rent Loss is not insured.  Provide evidence of Rent Loss Coverage. - xx/xx/xxxx
please see full policy and it shows on page 3 full policy document and it does show that for them Loss of Use also includes rent loss.  It starts on page 3 of the coverage explanations:

20% of coverage A is $128,1xxxxxx
6 months rent loss would be $29,318.00
 - xx/xx/xxxx
 Updated policy provided, does not reference loss of use.  - xx/xx/xxxx
the documents that I uploaded reflected the old policy reflected the exclusion coverage and I uploaded the new one that shows the coverage added on page 5 and on page 7 the insurance agent is pointing out its been removed. Why is this not acceptable?  this was already submitted but I didnt call it hoi i selected heloc by mistake.  - xx/xx/xxxx
please see email stating its the same. Are you able to escalate this?  - xx/xx/xxxx
Condition upheld.  HOI Policy still shows a Loss of Use Exclusion, therefore has no Loss of Use. Also, page 3 of the HOI Policy states Dwelling Property 3- Special Form. Under Loss of Use Exclusion it states Dwelling Property 3 - Special Form Rent Loss is not insured. Provide evidence of Rent Loss Coverage. - xx/xx/xxxx
per the agent the

The endorsement was removed effectivexx/xx/xxxx when we added the coverage

This should be satisfactory   Thanks
xxxxxx
Ready for tomorrow.
 
xxxxxx
 - xx/xx/xxxx
Condition upheld.  Loss of use is not the same as Rental Loss Coverage.  It should further be noted that per page 3 of the Policy the subject property has a Loss of Use Exclusion, therefore has no Loss of Use.  Page 3 of the HOI Policy states Dwelling Property 3- Special Form. Under Loss of Use Exclusion it states Dwelling Property 3 - Special Form Rent Loss is not insured.  Provide evidence of Rent Loss Coverage. - xx/xx/xxxx
please see full policy and it shows on page 3 full policy document and it does show that for them Loss of Use also includes rent loss.  It starts on page 3 of the coverage explanations:

20% of coverage A is $xxxxxx
6 months rent loss would be $xxxxxx
 - xx/xx/xxxx
 2026-06-10 17:33 Resolved 3 1 3 1
4000134373 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9754011 4 of 7 xx/xx/xxxx Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines. The appraisal in the file shows that the borrower is living in Unit 2 of the subject property. Guidelines do not allow borrower to reside in the subject property. The appraisal is datedxx/xx/xxxxPer the application the borrower has been living in a different property for 3 months. Only loan documents reflect the new address. The loan closed onxx/xx/xxxxOther documents in the file still show that the borrower is living in the subject property.



The appraisal lists this as tenant occupied. Please confirm where in the appraisal or within the file that states the borrower is living in the subject property.  - xx/xx/xxxx

 Condition set in error.  Subject is not owner occupied.  Condition resolved. - xx/xx/xxxx

The appraisal lists this as tenant occupied. Please confirm where in the appraisal or within the file that states the borrower is living in the subject property.  - xx/xx/xxxx

 Condition set in error.  Subject is not owner occupied.  Condition resolved. - xx/xx/xxxx

The appraisal lists this as tenant occupied. Please confirm where in the appraisal or within the file that states the borrower is living in the subject property.  - xx/xx/xxxx

 2026-06-17 19:13 Resolved 3 1 4 2
4000124310 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8767519 1 of 3 xx/xx/xxxx Credit Borrower 1 Executed 4506-T Missing Borrower 1 Executed 4506-T missing from the file. Lender to provide a fully executed 4506-T for 2023-2025 for the borrower 



The 4506-C is not required under the WVOE program. - Please waive - xx/xx/xxxx

 4506 not required on WVOE program.  Condition resolved. - xx/xx/xxxx

Borrower 1 Executed 4506-T Provided - xx/xx/xxxx

The 4506-C is not required under the WVOE program. - Please waive - xx/xx/xxxx

 4507 not required on WVOE program.  Condition resolved. - xx/xx/xxxx

Borrower 1 Executed 4506-T Provided - xx/xx/xxxx

The 4506-C is not required under the WVOE program. - Please waive - xx/xx/xxxx

 2026-04-22 16:12 Resolved 3 1 3 1
4000128919 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9374928 1 of 8 xx/xx/xxxx Credit Housing History Does Not Meet Guideline Requirements Housing history does not meet guideline requirements. The loan file contains a Statement from the lender reflecting the next payment was due xxxxxx. However, the loan closed on xxxxxx. There isnt any payment history for the subject property to reflect the payment is current. 

The $xxxxxx fee is a CEMA assignment fee.  $xxxxxx fee on payoff letter.  - xx/xx/xxxx
xxxxxx statements uploaded to show payments are current.  - xx/xx/xxxx
 Explanation of charges was provided and servicing statements show loan was current.  Condition resolved. - xx/xx/xxxx
Housing history meets guideline requirements. - xx/xx/xxxx
The $xxxxxx fee is a CEMA assignment fee.  $xxxxxx fee on payoff letter.  - xx/xx/xxxx
Condition upheld.  Provide clarification and evidence of what the $xxxxxx Total Fees and Charges are for on thexx/xx/xxxx statement. - xx/xx/xxxx
Fay Servicing statements uploaded to show payments are current.  - xx/xx/xxxx
 Explanation of charges was provided and servicing statements show loan was current.  Condition resolved. - xx/xx/xxxx
Housing history meets guideline requirements. - xx/xx/xxxx
The $xxxxxx fee is a CEMA assignment fee.  $xxxxxx fee on payoff letter.  - xx/xx/xxxx
Condition upheld.  Provide clarification and evidence of what the $xxxxxx Total Fees and Charges are for on thexx/xx/xxxx statement. - xx/xx/xxxx
Fay Servicing statements uploaded to show payments are current.  - xx/xx/xxxx
 2026-06-17 16:31 Resolved 3 1 3 1
4000130842 xx/xx/xxxx xxxxx xxxxx NC Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9540798 1 of 3 xx/xx/xxxx Credit Purchase Contract - Addendum Missing The Purchase Contract Addendum is missing. Purchase contract addendum required to be updated to reflect borrower deposit of $xxxxxx in place of $xxxxxx to match the Closing Disclosure.

The $xxxxxx deposit was clearly documented with the letter and copy of the wire.  The $xxxxxx was documented as well.  - xx/xx/xxxx
 we provided the proof of the additional $xxxxxx sent, there was only a $xxxxxx initial deposit.  - xx/xx/xxxx
 Evidence of EMD was provided.  Condition resolved. - xx/xx/xxxx
The $xxxxxx deposit was clearly documented with the letter and copy of the wire.  The $xxxxxx was documented as well.  - xx/xx/xxxx
Per the Final CD, there was an $xxxxxxdeposit made. The file only contains a cancelled check for $xxxxxx.  Provide evidence of the remaining $xxxxxx deposit.  There are multiple transfers of $xxxxxx on the bank statements, but nothing to tie them to the Seller or Title Company. - xx/xx/xxxx
we provided the proof of the additional $xxxxxx sent, there was only a $xxxxxx initial deposit.  - xx/xx/xxxx
 Evidence of EMD was provided.  Condition resolved. - xx/xx/xxxx
The $xxxxxx deposit was clearly documented with the letter and copy of the wire.  The $xxxxxx was documented as well.  - xx/xx/xxxx
Per the Final CD, there was an $xxxxxx deposit made. The file only contains a cancelled check for $xxxxxx  Provide evidence of the remaining $xxxxxx deposit.  There are multiple transfers of $xxxxxx on the bank statements, but nothing to tie them to the Seller or Title Company. - xx/xx/xxxx
we provided the proof of the additional $1,000 sent, there was only a $xxxxxx initial deposit.  - xx/xx/xxxx
 2026-06-09 15:33 Resolved 2 1 2 1
4000130828 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9435043 2 of 4 xx/xx/xxxx Credit Purchase is not considered to be an Arm's Length Transaction Non-arm's length transactions not allowed for program. Per appraisal/appraiser-full contract was provided to the appraiser and analyzed. It is a non arms length transaction. It appears to be a standard contract with a $xxxxxx down payment. The appraiser is not an attorney, an attorney should be consulted
Per guidelines-Non-Arm’s Length Purchase Non-arm’s length transactions are ineligible with the exception of transactions involving unrelated tenant/landlord relationships.
 

 The "non-arm's length" transaction mentioned by the appraiser is in reference to the prior sale of the subject property.

The subject previously transferred at a price below prevailing Market indicators. The sale reportedly occurred between neigxxxxxxoring parties without open Market exposure, and the seller avoided a typical brokerage commission (approximately 6%). Due to the limited Marketing and non-arm’s-length characteristics, the prior sale price may not be reflective of Market value.

There isn't a relationship between the buyer and sellers.  - xx/xx/xxxx

 Per Appraisal Addendum, Appraiser is talking about the previous sale:  The subject previously transferred at a price below prevailing Market indicators. The sale reportedly occurred between neigxxxxxxoring parties without open Market exposure, and the seller avoided a typical brokerage commission (approximately 6%). Due to the limited Marketing and non-arm’s-length characteristics, the prior sale price may not be reflective of Market value.  Condition resolved. - xx/xx/xxxx

Purchase is considered to be an Arm's Length Transaction, or Not Applicable - xx/xx/xxxx

The "non-arm's length" transaction mentioned by the appraiser is in reference to the prior sale of the subject property.

The subject previously transferred at a price below prevailing Market indicators. The sale reportedly occurred between neigxxxxxxoring parties without open Market exposure, and the seller avoided a typical brokerage commission (approximately 6%). Due to the limited Marketing and non-arm’s-length characteristics, the prior sale price may not be reflective of Market value.

There isn't a relationship between the buyer and sellers.  - xx/xx/xxxx

 Per Appraisal Addendum, Appraiser is talking about the previous sale:  The subject previously transferred at a price below prevailing Market indicators. The sale reportedly occurred between neigxxxxxxoring parties without open Market exposure, and the seller avoided a typical brokerage commission (approximately 6%). Due to the limited Marketing and non-arm’s-length characteristics, the prior sale price may not be reflective of Market value.  Condition resolved. - xx/xx/xxxx

Purchase is considered to be an Arm's Length Transaction, or Not Applicable - xx/xx/xxxx

The "non-arm's length" transaction mentioned by the appraiser is in reference to the prior sale of the subject property.

The subject previously transferred at a price below prevailing Market indicators. The sale reportedly occurred between neigxxxxxxoring parties without open Market exposure, and the seller avoided a typical brokerage commission (approximately 6%). Due to the limited Marketing and non-arm’s-length characteristics, the prior sale price may not be reflective of Market value.

There isn't a relationship between the buyer and sellers.  - xx/xx/xxxx

 2026-06-05 18:12 Resolved 3 1 4 1
4000129025 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9742219 3 of 3 xx/xx/xxxx Compliance Final CD: Prepayment Penalty is missing or inaccurate Per LM input 6 mos interest/20% of original balance/60 mo term-$xxxxxx vs lender/final cd-$xxxxxx
That’s "as high as" amount.

Its a formula – this is how our encomass calculated it

 - xx/xx/xxxx

 Lender calcuations - xx/xx/xxxx

That’s "as high as" amount.

Its a formula – this is how our encomass calculated it

 - xx/xx/xxxx

 Lender calcuations - xx/xx/xxxx

That’s "as high as" amount.

Its a formula – this is how our encomass calculated it

 - xx/xx/xxxx

 2026-06-17 14:18 Resolved 3 1 3 1
4000127599 xx/xx/xxxx xxxxx xxxxx SC Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9697171 5 of 5 xx/xx/xxxx Credit Eligibility - Borrower Identity The loan file reflected potential identity issues. Note, Deed of Trust, etc. were all signed by Borrower as xxxxxx.  Borrower's ID in file states Borrower's Name is xxxxxx  Docs, Asset Statements, EIN etc. throughout the file have conflicting Names attached to them.  xxxxxx and xxxxxx . Identity verification that both names are one in the same will be needed and formally executed by the Borrower.  If Legal documents need to be re-signed, provide them as well.  All Open Conditions are are on hold pending this.
summary - xx/xx/xxxx
 aka - xx/xx/xxxx
 please confirm if we have to provide a notarized AKA or if it can be an LOX esigned?  This is coming from the team - xx/xx/xxxx
 CONCERNING THIS CONDITION WOULD YOU ACCEPT AN ESIGNED LOX FROM THE BORROWER THAT  ONE IN THE SAME? - xx/xx/xxxx
 Signed AKA document provided Certifying all names in question are one in the same with B1. Condition resolved.
 - xx/xx/xxxx
summary - xx/xx/xxxx
Provide the e-sign certificate. - xx/xx/xxxx
aka - xx/xx/xxxx
E-signed with certificate provided is satisfactory.   - xx/xx/xxxx
please confirm if we have to provide a notarized AKA or if it can be an LOX esigned?  This is coming from the team - xx/xx/xxxx
Condition upheld.  Provide the letter and any other documentation that pertains to proving both names are one in the same. - xx/xx/xxxx
CONCERNING THIS CONDITION WOULD YOU ACCEPT AN ESIGNED LOX FROM THE BORROWER THAT  IS ONE IN THE SAME? - xx/xx/xxxx
 Signed AKA document provided Certifying all names in question are one in the same with B1. Condition resolved.
 - xx/xx/xxxx
summary - xx/xx/xxxx
Provide the e-sign certificate. - xx/xx/xxxx
aka - xx/xx/xxxx
E-signed with certificate provided is satisfactory.   - xx/xx/xxxx
please confirm if we have to provide a notarized AKA or if it can be an LOX esigned?  This is coming from the team - xx/xx/xxxx
Condition upheld.  Provide the letter and any other documentation that pertains to proving both names are one in the same. - xx/xx/xxxx
CONCERNING THIS CONDITION WOULD YOU ACCEPT AN ESIGNED LOX FROM THE BORROWER THAT  IS ONE IN THE SAME? - xx/xx/xxxx
 2026-06-22 14:45 Resolved 3 1 3 1
4000128894 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9074296 4 of 10 xx/xx/xxxx Credit Missing VOM or VOR Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The payment history for the subject property with xxxxxx for xxxxxx is missing from the loan file. Per guidelines, a twelve (12) month mortgage/housing history is required on all occupancy types. 

statements - xx/xx/xxxx

 Credit Supplement was provided.  Condition resolved. - xx/xx/xxxx

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - xx/xx/xxxx

statements - xx/xx/xxxx

 Credit Supplement was provided.  Condition resolved. - xx/xx/xxxx

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - xx/xx/xxxx

statements - xx/xx/xxxx

 2026-06-12 14:03 Resolved 3 1 3 1
4000128894 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9085353 9 of 10 xx/xx/xxxx Credit Asset 3 Missing Asset documentation is missing from the file. Please provide the full asset statement for the Fidelity account with a balance of $xxxxxx. The printout was provided, but is missing the borrower's name and account number. Per guidelines, all pages of the most recent one-month (1) statement or the most recent quarterly statement is required.

STATEMENTS - xx/xx/xxxx

 Asset statement provided.  Condition resolved. - xx/xx/xxxx

Asset 3 Provided Or Not Applicable - xx/xx/xxxx

STATEMENTS - xx/xx/xxxx

 Asset statement provided.  Condition resolved. - xx/xx/xxxx

Asset 3 Provided Or Not Applicable - xx/xx/xxxx

STATEMENTS - xx/xx/xxxx

 2026-06-15 16:44 Resolved 3 1 3 1
4000133539 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9794891 1 of 5 xx/xx/xxxx Credit Housing History Does Not Meet Guideline Requirements Housing history does not meet guideline requirements. The VOM for the primary residence is missing in the loan file. Per xxxxxx guidesxx/xx/xxxx V 8.9  Section 7.2, Twelve (12) months housing history is required for all occupancy types; This includes whether or not the borrower is on the Note or Vested on Title of their primary. Only 2 mortgage statements provided, xx/xx/xxxx +xx/xx/xxxx



 Statements - xx/xx/xxxx

 DSCR Loan.  VOM's are only required for the subject and the Primary.  The Primary Mortgage is in the spouse's name. 14 MLS were provided, but not required. - xx/xx/xxxx

Housing history meets guideline requirements. - xx/xx/xxxx

Statements - xx/xx/xxxx

 DSCR Loan.  VOM's are only required for the subject and the Primary.  The Primary Mortgage is in the spouse's name. 14 MLS were provided, but not required. - xx/xx/xxxx

Housing history meets guideline requirements. - xx/xx/xxxx

Statements - xx/xx/xxxx

 2026-06-29 19:58 Resolved 3 1 3 1
4000124921 xx/xx/xxxx xxxxx xxxxx TN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9672240 3 of 4 xx/xx/xxxx Credit Credit Documentation - Mortgage History The loan file did not contain sufficient mortgage payment history. A mortgage with Volunteer Bank reporting on the credit report has a last active date ofxx/xx/xxxxA more recent payment history for this mortgage loan could not be found in the loan documents. Per guidelines, all mortgages must have a recent history.



statement - xx/xx/xxxx

 Condition upheld.  Provide evidence of pay-off of the Volunteer Bank account. - xx/xx/xxxx

statement - xx/xx/xxxx

 Condition upheld.  Provide evidence of pay-off of the Volunteer Bank account. - xx/xx/xxxx

statement - xx/xx/xxxx

 2026-06-14 14:54 Resolved 3 1 4 1
4000124147 xx/xx/xxxx xxxxx xxxxx PA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9204727 5 of 5 xx/xx/xxxx Credit Missing Income - Bank Statements Missing xxxxxx statement for xxxxxx account ending in xxxxxx. Statements provided were xxxxxx, xxxxxx, xxxxxx, and xxxxxx. 
statement - xx/xx/xxxx

 in file  - xx/xx/xxxx

 Missing statement was provided.  Condition resolved. - xx/xx/xxxx
statement - xx/xx/xxxx
Condition upheld.  Thexx/xx/xxxx -xx/xx/xxxx xxxxxx #xxxxxx was provided.  The file is missing thexx/xx/xxxx -xx/xx/xxxx xxxxxx #xxxxxx statement.   - xx/xx/xxxx
in file  - xx/xx/xxxx
 Missing statement was provided.  Condition resolved. - xx/xx/xxxx
statement - xx/xx/xxxx
Condition upheld.  Thexx/xx/xxxx -xx/xx/xxxx xxxxxx #xxxxxx was provided.  The file is missing thexx/xx/xxxx -xx/xx/xxxx xxxxxx #xxxxxx statement.   - xx/xx/xxxx
in file  - xx/xx/xxxx
 2026-06-04 13:13 Resolved 3 1 4 1
4000102512 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 6440003 5 of 5 xx/xx/xxxx Credit Borrower 1 Gap Credit Report is Missing Borrower 1 Gap Credit Report is Missing

Standard credit report was provided (see attached). A gap credit report is not required.

 - xx/xx/xxxx

 Borrower 1 Gap Credit Report is not missing. - xx/xx/xxxx

Standard credit report was provided (see attached). A gap credit report is not required.

 - xx/xx/xxxx

 Borrower 1 Gap Credit Report is not missing. - xx/xx/xxxx

Standard credit report was provided (see attached). A gap credit report is not required.

 - xx/xx/xxxx

 2025-12-02 18:45 Resolved 4 1 4 1
4000124147 xx/xx/xxxx xxxxx xxxxx PA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9199309 3 of 5 xx/xx/xxxx Compliance Missing Service Provider List The loan file does not contain the Service Provider List.

SSPL - xx/xx/xxxx

 Received SPL - xx/xx/xxxx

SSPL - xx/xx/xxxx

 Received SPL - xx/xx/xxxx

SSPL - xx/xx/xxxx

 2026-05-20 13:07 Resolved 4 1 4 1
4000130688 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9582822 8 of 10 xx/xx/xxxx Compliance Missing Service Provider List The loan file does not contain the Service Provider List.

SSPL - xx/xx/xxxx

 Received SSP list - xx/xx/xxxx

SSPL - xx/xx/xxxx

 Received SSP list - xx/xx/xxxx

SSPL - xx/xx/xxxx

 2026-06-09 14:20 Resolved 4 1 4 1
4000123408 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9616584 7 of 7 xx/xx/xxxx Credit Eligibility - Borrower Identity The loan file reflected potential identity issues. Provide evidence from the SSA that the SSN was verified.  The card alone does not verify it is correct.

ssaa and ssv  - xx/xx/xxxx

 SSA - xx/xx/xxxx

 SSA-89 was provided.  Condition resolved. - xx/xx/xxxx

ssaa and ssv  - xx/xx/xxxx

Condition upheld. Nothing was uploaded - xx/xx/xxxx

SSA - xx/xx/xxxx

 SSA-89 was provided.  Condition resolved. - xx/xx/xxxx

ssaa and ssv  - xx/xx/xxxx

Condition upheld. Nothing was uploaded - xx/xx/xxxx

SSA - xx/xx/xxxx

 2026-06-16 15:00 Resolved 3 1 3 1
4000120227 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9393905 4 of 11 xx/xx/xxxx Credit Employment - Evidence of Self-Employment Missing The loan file did not contain evidence of self-employment as required. Lender to provide the fully executed business narrative from the borrower. Lender to also provide the business entity from the Secretary of State to show the business is active and in good standing with the state.



SOS Statement - xx/xx/xxxx

 Evidence of S/E provided.  Condition resolved. - xx/xx/xxxx

SOS Statement - xx/xx/xxxx

 Evidence of S/E provided.  Condition resolved. - xx/xx/xxxx

SOS Statement - xx/xx/xxxx

 2026-06-03 14:50 Resolved 3 1 4 1
4000138380 xx/xx/xxxx xxxxx xxxxx IL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10258570 1 of 3 xx/xx/xxxx Property Loan Purpose is Purchase but Purchase Contract Doc is Missing Loan purpose is purchase and valuation type of purchase contract has not been selected. Loan Purpose is Purchase but Purchase Contract Doc is Missing



sorry, file wasn't merging. See attachments. - xx/xx/xxxx

 attached - xx/xx/xxxx

 Contract provided.  Condition resolved - xx/xx/xxxx

Purchase Contract Doc is not Missing, or is Not Applicable. - xx/xx/xxxx

sorry, file wasn't merging. See attachments. - xx/xx/xxxx

Condition upheld.  Contract Addendum was provided.  The file is missing the entire Purchase Contract. - xx/xx/xxxx

attached - xx/xx/xxxx

 Contract provided.  Condition resolved - xx/xx/xxxx

Purchase Contract Doc is not Missing, or is Not Applicable. - xx/xx/xxxx

sorry, file wasn't merging. See attachments. - xx/xx/xxxx

Condition upheld.  Contract Addendum was provided.  The file is missing the entire Purchase Contract. - xx/xx/xxxx

attached - xx/xx/xxxx

 2026-07-20 13:18 Resolved 3 1 3 1
4000121744 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8709523 4 of 4 xx/xx/xxxx Credit Liabilities - Not Verified The application lists debts that were not verified on the credit report and not independently verified. The sales contract and addendum's include a mandatory requirement for the buyer to purchase or lease the solar system that is installed by the seller. Missing the sales/lease contract for the Solar System in the loan file. Provide all pages, addendums and agreements to for the Photovoltaic System.



Solar included in sales. The seller ended up including the solar in the purchase at no cost to the borrower. They gave it to the borrower as an incentive



 - xx/xx/xxxx

 Per the provided Options and Upgrade Agreement the Solar Panels were included in the Sales Price as an Incentive. It is not a monthly debt to the Borrower.  Condition resolved. - xx/xx/xxxx

Solar included in sales. The seller ended up including the solar in the purchase at no cost to the borrower. They gave it to the borrower as an incentive



 - xx/xx/xxxx

 Per the provided Options and Upgrade Agreement the Solar Panels were included in the Sales Price as an Incentive. It is not a monthly debt to the Borrower.  Condition resolved. - xx/xx/xxxx

Solar included in sales. The seller ended up including the solar in the purchase at no cost to the borrower. They gave it to the borrower as an incentive



 - xx/xx/xxxx

 2026-04-20 19:19 Resolved 3 1 3 1
4000120227 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9380828 2 of 11 xx/xx/xxxx Credit Borrower 1 Gap Credit Report is Missing Borrower 1 Gap Credit Report is Missing Lender to provide the Gap credit report for the borrower, original credit was pulled onxx/xx/xxxx7 days. Note datexx/xx/xxxx


 SOFT PULL - xx/xx/xxxx

 GAP/UDM report provided.  Condition resolved. - xx/xx/xxxx

Borrower 1 Gap Credit Report is not missing. - xx/xx/xxxx

SOFT PULL - xx/xx/xxxx

 GAP/UDM report provided.  Condition resolved. - xx/xx/xxxx

Borrower 1 Gap Credit Report is not missing. - xx/xx/xxxx

SOFT PULL - xx/xx/xxxx

 2026-06-03 14:58 Resolved 4 1 4 1
4000120048 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9253716 3 of 5 xx/xx/xxxx Credit Purchase Contract - Addendum Missing Signature(s) There were changes on the Purchase Contract addendums that were not properly documented and/or initialed by all parties.  The 3rd Amendment to the Purchase and Sale Agreement extending the closing date fromxx/xx/xxxx toxx/xx/xxxxs not executed by the seller's.



signed addendum - xx/xx/xxxx

 extension - xx/xx/xxxx

 Addendum provided.  - xx/xx/xxxx

signed addendum - xx/xx/xxxx

Condition upheld.  The extension was provided again, however it is not fully executed.  It is not signed by the Sellers. - xx/xx/xxxx

extension - xx/xx/xxxx

 Addendum provided.  - xx/xx/xxxx

signed addendum - xx/xx/xxxx

Condition upheld.  The extension was provided again, however it is not fully executed.  It is not signed by the Sellers. - xx/xx/xxxx

extension - xx/xx/xxxx

 2026-06-04 19:10 Resolved 2 1 3 1
4000136078 xx/xx/xxxx xxxxx xxxxx KS Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10075166 3 of 7 xx/xx/xxxx Credit All Interested Parties Not Checked with Exclusionary Lists All interested parties not checked with exclusionary lists. The Sellers, Buyers Agent and Sellers Agent are not shown on the LDP/OFAC list included with the Fraud Report provided in file. 



See updated with requested additional names attached  - xx/xx/xxxx

 updated fraud report  - xx/xx/xxxx

See updated with requested additional names attached  - xx/xx/xxxx

 updated fraud report  - xx/xx/xxxx

See updated with requested additional names attached  - xx/xx/xxxx

 2026-07-22 17:18 Resolved 3 1 3 1
4000136078 xx/xx/xxxx xxxxx xxxxx KS Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10075542 5 of 7 xx/xx/xxxx Credit Missing Application  Per the final loan application, the borrower owns their primary residence. Section 3 of the final loan application shows I DO NOT OWN ANY REAL ESTATE. A corrected loan application is required to show the Primary Residence that is owned by the borrower with it's monthly liabilities as stated on page 1 of the loan application, and in support of the borrower's correspondence regarding the address used on the loan application as owned.

See updated requested information in the loan application (1003) - xx/xx/xxxx

 1003 updated for property ownership - xx/xx/xxxx

See updated requested information in the loan application (1003) - xx/xx/xxxx

 1004 updated for property ownership - xx/xx/xxxx

See updated requested information in the loan application (1003) - xx/xx/xxxx

 2026-07-21 20:47 Resolved 3 1 3 1
4000136078 xx/xx/xxxx xxxxx xxxxx KS Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10075331 4 of 7 xx/xx/xxxx Compliance Missing evidence of rate lock Missing evidence of Rate Lock. The xxxxxx Lock Confirmation with Rosewood shows US Citizen for borrower qualifying as a  Permanent Resident Alien. An xxxxxx Lock Confirmation with matching citizenship is missing in the loan file.



See updated lock confirmation attached - xx/xx/xxxx

 xxxxxx Lock provided.  Condition resolved. - xx/xx/xxxx

See updated lock confirmation attached - xx/xx/xxxx

 xxxxxx Lock provided.  Condition resolved. - xx/xx/xxxx

See updated lock confirmation attached - xx/xx/xxxx

 2026-07-09 14:45 Resolved 3 1 3 1
4000130924 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9687900 4 of 4 xx/xx/xxxx Credit Credit Documentation - Undisclosed Liabilities An undisclosed liability was found on the updated credit report that was not located on the original credit report. Per GAP/UDM Report Borrower has a new Account with xxxxxx.  Provide current statement to show balance and payment amounts.

see supplement that mirrors the UDN already provided.  - xx/xx/xxxx

 UDN already shows all information being asked for. Balance is $0 and payment is $0 no additional docs are needed  - xx/xx/xxxx

 Verification of new Revolving liability with a $0 balance was provided.  Condition resolved. - xx/xx/xxxx

see supplement that mirrors the UDN already provided.  - xx/xx/xxxx

Condition upheld.  Provide the statement for the new account or a Credit Supplement.  The Report provided shows information as ofxx/xx/xxxx.  Need current information. - xx/xx/xxxx

UDN already shows all information being asked for. Balance is $0 and payment is $0 no additional docs are needed  - xx/xx/xxxx

 Verification of new Revolving liability with a $0 balance was provided.  Condition resolved. - xx/xx/xxxx

see supplement that mirrors the UDN already provided.  - xx/xx/xxxx

Condition upheld.  Provide the statement for the new account or a Credit Supplement.  The Report provided shows information as ofxx/xx/xxxx.  Need current information. - xx/xx/xxxx

UDN already shows all information being asked for. Balance is $0 and payment is $0 no additional docs are needed  - xx/xx/xxxx

 2026-06-22 15:02 Resolved 3 1 4 1
4000129177 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9482927 1 of 4 xx/xx/xxxx Credit Missing VOM or VOR The loan file contains Mortgage statements from the first mortgage from xxxxxx to xxxxxx, however, there is still xxxxxx payment missing. The payments and the VOR for the second mortgage with the private lender are missing from the loan file.  Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing.

See statements for second mortgage & payoff - xx/xx/xxxx

 See Statements and Letter - xx/xx/xxxx

 Housing History provided.  Condition resolved. - xx/xx/xxxx
error - xx/xx/xxxx
See statements for second mortgage & payoff - xx/xx/xxxx
Condition Upheld - the xxxxxx payment on the first mortgage has been verified; however, the 2nd mortgage payments and VOM made to xxxxxx needs to be verified, the mortgage was openedxx/xx/xxxx.  - xx/xx/xxxx
See Statements and Letter - xx/xx/xxxx
 Housing History provided.  Condition resolved. - xx/xx/xxxx
error - xx/xx/xxxx
See statements for second mortgage & payoff - xx/xx/xxxx
Condition Upheld - the xxxxxx payment on the first mortgage has been verified; however, the 2nd mortgage payments and VOM made to xxxxxx needs to be verified, the mortgage was openedxx/xx/xxxx.  - xx/xx/xxxx
See Statements and Letter - xx/xx/xxxx
 2026-07-08 20:40 Resolved 3 1 3 1
4000131019 xx/xx/xxxx xxxxx xxxxx IL Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9614598 7 of 12 xx/xx/xxxx Credit Liabilities - Payoff Missing The required debt payoffs were missing from the loan file. Missing the mortgage payoff for the subject transaction.



See payoff  - xx/xx/xxxx

 Pay-off provided.  Final HUD-1 shows xxxxxx was paid off. - xx/xx/xxxx

See payoff  - xx/xx/xxxx

 Pay-off provided.  Final HUD-1 shows xxxxxx was paid off. - xx/xx/xxxx

See payoff  - xx/xx/xxxx

 2026-06-11 14:10 Resolved 3 1 4 1
4000129986 xx/xx/xxxx xxxxx xxxxx VA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9431048 1 of 5 xx/xx/xxxx Compliance The Initial 1003 is Missing The Initial 1003 is missing.

See initial 1003 - xx/xx/xxxx

 The Initial 1003 is present. - xx/xx/xxxx

Received initial application  - xx/xx/xxxx

See initial 1003 - xx/xx/xxxx

 The Initial 1003 is present. - xx/xx/xxxx

Received initial application  - xx/xx/xxxx

See initial 1003 - xx/xx/xxxx

 2026-06-01 14:50 Resolved 3 1 4 1
4000129496 xx/xx/xxxx xxxxx xxxxx TX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9489802 2 of 4 xx/xx/xxxx Credit Credit Documentation - Undisclosed Liabilities An undisclosed liability was found on the updated credit report that was not located on the original credit report. 1) Per the EMD statement of funds received, in addition to the subject & the REO xxxxxx (disclosed on the loan application), it appears the borrower's have purchased a total 4 total REO - Missing documentation as follows for the following 1) xxxxxx & 2) xxxxxx.  Missing the CD and all components for  xxxxxx & xxxxxx   . IF those loans are being qualified with rental income, the leases and or 1007's/1025's (xxxxxxet Rent Schedules) will also be needed for both properties. As these appear to be simultaneous purchases, funds for the funds used at closing in addition to the EMD and reserves will be needed.

2) Missing the Final CD. property taxes, and the HOA for REO:  xxxxxxive  closedxx/xx/xxxx xxxxxx ending in -xxxxxx

See docs attached.  - xx/xx/xxxx

 in response to item #2 - xx/xx/xxxx

 All REO docs were explained and provided.  Condition resolved. - xx/xx/xxxx

See docs attached.  - xx/xx/xxxx

in response to item #2 - xx/xx/xxxx

 All REO docs were explained and provided.  Condition resolved. - xx/xx/xxxx

See docs attached.  - xx/xx/xxxx

in response to item #2 - xx/xx/xxxx

 2026-06-11 19:22 Resolved 3 1 3 1
4000131703 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9872616 2 of 13 xx/xx/xxxx Credit Income - LOE Missing The loan file did not contain a letter of explanation as required. The Sch E K1 of the 1040's shows the partnership is called xxxxxx, with the 1120-S returns showing Zoe Flor Wellnessxx/xx/xxxxhere are no 1099's, nor a letter of explanation regarding the variance supporting this as a passthrough entity. The W2's show xxxxxx, and is shown on the 1120-S for compensation of officers on the Zoe Flor Wellnessxx/xx/xxxxusiness returns. 

See CPA letter  - xx/xx/xxxx

 LOE from CFP was provided. Condition resolved. - xx/xx/xxxx

See CPA letter  - xx/xx/xxxx

 LOE from CFP was provided. Condition resolved. - xx/xx/xxxx

See CPA letter  - xx/xx/xxxx

 2026-06-26 13:32 Resolved 3 1 3 1
4000136078 xx/xx/xxxx xxxxx xxxxx KS Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10096462 7 of 7 xx/xx/xxxx Property Missing Doc - 3rd Party Valuation Product/Missing The loan file did not contain the required 3rd party valuation product.

See CDA attached - xx/xx/xxxx

 CDA supporting value was provided.  Condition resolved. - xx/xx/xxxx

See CDA attached - xx/xx/xxxx

 CDA supporting value was provided.  Condition resolved. - xx/xx/xxxx

See CDA attached - xx/xx/xxxx

 2026-07-09 15:00 Resolved 3 1 3 1
4000129828 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9658162 3 of 5 xx/xx/xxxx Credit Citizenship Documentation Not Provided Borrower 1 Citizenship Documentation is missing from the file. The borrower is permanent resident alien. Please provide documentation of the borrower's laxxxxxxul presence in the US.



See attached: Permanent Resident Card

 - xx/xx/xxxx

 Resident Card provided.  Condition resolved. - xx/xx/xxxx

See attached: Permanent Resident Card

 - xx/xx/xxxx

 Resident Card provided.  Condition resolved. - xx/xx/xxxx

See attached: Permanent Resident Card

 - xx/xx/xxxx

 2026-06-12 18:08 Resolved 3 1 3 1
4000129496 xx/xx/xxxx xxxxx xxxxx TX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9489753 1 of 4 xx/xx/xxxx Credit Liabilities - REO The loan file did not contain sufficient documentation to verify debts associated with all other properties. The updated property bills for the REO is not provided 1) xxxxxx&  2) xxxxxx. It appears the lender used the new construction price for each possibly at 1.5%. The tax bills provided are for unimproved land (seller - same community). The CD's are not provided and the Fraud Report does not provide the sales information to use the mill rate provided using the unimproved tax cert to reconcile. The lender's tax assessment worksheet for these 2 recently acquired properties is missing in the loan file. There is a HELOC on the primary residence negating the borrower's statement of no HOI on the primary. The hazard policy for the primary residence is missing in the loan file.
 

 see attached.  - xx/xx/xxxx
 Attached is HOI forxxxxxx.  - xx/xx/xxxx
 All REO docs were provided.  Condition resolved. - xx/xx/xxxx

see attached.  - xx/xx/xxxx

Attached is HOI forxxxxxx.  - xx/xx/xxxx

 All REO docs were provided.  Condition resolved. - xx/xx/xxxx

see attached.  - xx/xx/xxxx

Attached is HOI forxxxxxx.  - xx/xx/xxxx

 2026-06-11 19:21 Resolved 3 1 3 1
4000131019 xx/xx/xxxx xxxxx xxxxx IL Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9614579 6 of 12 xx/xx/xxxx Credit Condo - Documentation The loan file did not contain required condo documentation (ie. Master HOI, Condo Questionnaire, Condo Budget, Project Review). The Cond's xxxxxx Report is missing in th e loan file (xxxxxx Section xx/xx/xxxx- Evidence of the xxxxxx final project approval must be current through the Note date and included in the Mortgage loan file)



See attached updated lock,  - xx/xx/xxxx

 This condition is not applicable, As the condo in non-warrantable,  - xx/xx/xxxx

 Loan was re-locked as a non-warrantable condo.   - xx/xx/xxxx

See attached updated lock,  - xx/xx/xxxx

Condition upheld. Per rebuttal property is non warrantable; Loan is locked as warrantable project with xxxxxx. Provide updated lock confirming non-warrantable. - xx/xx/xxxx

This condition is not applicable, As the condo in non-warrantable,  - xx/xx/xxxx

 Loan was re-locked as a non-warrantable condo.   - xx/xx/xxxx

See attached updated lock,  - xx/xx/xxxx

Condition upheld. Per rebuttal property is non warrantable; Loan is locked as warrantable project with xxxxxx. Provide updated lock confirming non-warrantable. - xx/xx/xxxx

This condition is not applicable, As the condo in non-warrantable,  - xx/xx/xxxx

 2026-06-16 15:16 Resolved 3 1 4 1
4000131697 xx/xx/xxxx xxxxx xxxxx PA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9748071 4 of 7 xx/xx/xxxx Credit Hazard Insurance Effective Date is after the Disbursement Date Hazard insurance effective date is after the disbursement date. The disbursement date from the final CD isxx/xx/xxxx but the effective date of the hazard policy isxx/xx/xxxx. 



See attached updated  - xx/xx/xxxx

 Correct HOI Policy was provided. Condition resolved. - xx/xx/xxxx
Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or the Date(s) Are Not Provided - xx/xx/xxxx
See attached updated  - xx/xx/xxxx
 Correct HOI Policy was provided. Condition resolved. - xx/xx/xxxx
Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or the Date(s) Are Not Provided - xx/xx/xxxx
See attached updated  - xx/xx/xxxx
 2026-06-22 18:59 Resolved 3 1 4 1
4000135657 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10033142 2 of 6 xx/xx/xxxx Credit Approval/Underwriting Summary Not Provided The loan did not contain the Approval/Underwriting Summary. Missing evidence of the final 1008 Approval/Underwriting Summary.



see attached underwriting summary - xx/xx/xxxx

 Underwriter Summary provided.  Condition resolved. - xx/xx/xxxx

Approval/Underwriting Summary is fully present - xx/xx/xxxx

see attached underwriting summary - xx/xx/xxxx

 Underwriter Summary provided.  Condition resolved. - xx/xx/xxxx

Approval/Underwriting Summary is fully present - xx/xx/xxxx

see attached underwriting summary - xx/xx/xxxx

 2026-07-08 15:08 Resolved 3 1 3 2
4000131843 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9706883 1 of 3 xx/xx/xxxx Credit Assets - Earnest Money Deposit The earnest money deposit was not properly documented and/or sourced. Missing documentation for the $xxxxxx earnest money deposit. A receipt of funds was provided, but there is no evidence the wire transfer cleared the borrower’s account, preventing full verification of the source.

see attached that was sent to you- an escrow letter for the $xxxxxx and the wire coming out of their xxxxxx account on xxxxxx- xx/xx/xxxx
 Wire and Bank Statement was provided and located in the file.  Condition resolved. - xx/xx/xxxx
see attached that was sent to you- an escrow letter for the $xxxxxx and the wire coming out of their xxxxxx account on xxxxxx - xx/xx/xxxx
 Wire and Bank Statement was provided and located in the file.  Condition resolved. - xx/xx/xxxx
see attached that was sent to you- an escrow letter for the $xxxxxx and the wire coming out of their xxxxxx account on xxxxxx - xx/xx/xxxx
 2026-06-16 16:51 Resolved 3 1 3 1
4000131703 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9872586 1 of 13 xx/xx/xxxx Credit Borrower 1 Tax Returns Not Signed Borrower 1 tax returns not signed. xxxxxx + xxxxxx Federal Tax Returns and the xxxxxx + xxxxxx 1120-S business returns are both filed using an xxxxxx - neither the Federal nor Business tax returns nor xxxxxx are signed. FNMA: documentation confirming that the tax returns were filed electronically is not provided in the loan file. 

See attached Signed  - xx/xx/xxxx

 Signed Returns provided.  Condition resolved. - xx/xx/xxxx

Borrower 1 tax returns are signed - xx/xx/xxxx

See attached Signed  - xx/xx/xxxx

 Signed Returns provided.  Condition resolved. - xx/xx/xxxx

Borrower 1 tax returns are signed - xx/xx/xxxx

See attached Signed  - xx/xx/xxxx

 2026-06-26 13:58 Resolved 3 1 3 1
4000119299 xx/xx/xxxx xxxxx xxxxx TN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8583057 4 of 4 xx/xx/xxxx Credit Calculated DSCR does not meet the Minimum DSCR allowed The Calculated DSCR of 'xxxxxx' is less than the minimum required DSCR of'1'.
see attached per guidelines we can go up to .75 - xx/xx/xxxx

 FCM Guidelines allow for >=0.75 with xxxxxx FICO to 75% LTV.  Condition resolved. - xx/xx/xxxx
The Calculated DSCR is equal to or greater than the minimum required DSCR, or Not Applicable - xx/xx/xxxx
see attached per guidelines we can go up to .75 - xx/xx/xxxx
 FCM Guidelines allow for >=0.75 with xxxxxx FICO to 75% LTV.  Condition resolved. - xx/xx/xxxx
The Calculated DSCR is equal to or greater than the minimum required DSCR, or Not Applicable - xx/xx/xxxx
see attached per guidelines we can go up to .75 - xx/xx/xxxx
 2026-04-28 21:05 Resolved 3 1 3 1
4000126381 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9540491 6 of 6 xx/xx/xxxx Compliance Federal - Right of Rescission (Loan Disbursement Violation) (TILA) The loan disbursement date (xxxxxx) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (xxxxxx). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) FCD discloses disbursement datexx/xx/xxxx., however was not executed until xx/xx/xxxx.

See attached PCCD- Loan disbursement date ofxx/xx/xxxx - xx/xx/xxxx

 Received PCCD correcting the disbursement date - xx/xx/xxxx

See attached PCCD- Loan disbursement date ofxx/xx/xxxx - xx/xx/xxxx

 Received PCCD correcting the disbursement date - xx/xx/xxxx

See attached PCCD- Loan disbursement date ofxx/xx/xxxx - xx/xx/xxxx

 2026-06-05 13:21 Resolved 3 1 3 1
4000120048 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9253692 1 of 5 xx/xx/xxxx Credit Liabilities - REO The loan file did not contain sufficient documentation to verify debts associated with all other properties. The gift funds check for $xxxxxx says "loan for purchase of prop". As this loan was used to acquire the subject, this debt is incurred for the purchase of the subject - the terms of the $xxxxxx loan are not provided and needed to be added to the subjects liabilities. Pending the results, the required minimum DSCR of .75 may not be attained. 2) An letter of explanation is needed. 3) An updated Lock Confirmation and possibly an exception approval from xxxxxx  Financial may be needed.

See attached gift letter and LOE - xx/xx/xxxx

 Gift Letter and LOE provided.  There is no loan, it was a gift.  Condition resolved. - xx/xx/xxxx

See attached gift letter and LOE - xx/xx/xxxx

 Gift Letter and LOE provided.  There is no loan, it was a gift.  Condition resolved. - xx/xx/xxxx

See attached gift letter and LOE - xx/xx/xxxx

 2026-05-28 17:53 Resolved 3 1 3 1
4000131083 xx/xx/xxxx xxxxx xxxxx NJ Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9608347 6 of 6 xx/xx/xxxx Credit Fraud Report Shows Uncleared Alerts Fraud Report shows uncleared alerts.

See attached fraud report  - xx/xx/xxxx

 Cleared Fraud Report provided.  Condition resolved. - xx/xx/xxxx

All Fraud Report Alerts have been cleared or None Exist - xx/xx/xxxx

See attached fraud report  - xx/xx/xxxx

 Cleared Fraud Report provided.  Condition resolved. - xx/xx/xxxx

All Fraud Report Alerts have been cleared or None Exist - xx/xx/xxxx

See attached fraud report  - xx/xx/xxxx

 2026-06-10 14:35 Resolved 3 1 3 2
4000131703 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9875047 11 of 13 xx/xx/xxxx Credit Third Party Fraud Report not Provided Missing third party fraud report. The Fraud Report is missing in the loan file. 



See attached Fraud report  - xx/xx/xxxx

 Fraud Report provided.  Condition resolved. - xx/xx/xxxx

Third party fraud report is provided - xx/xx/xxxx

See attached Fraud report  - xx/xx/xxxx

 Fraud Report provided.  Condition resolved. - xx/xx/xxxx

Third party fraud report is provided - xx/xx/xxxx

See attached Fraud report  - xx/xx/xxxx

 2026-06-26 14:00 Resolved 3 1 3 1
4000131019 xx/xx/xxxx xxxxx xxxxx IL Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9767225 12 of 12 xx/xx/xxxx Property Condo - Warrantability Condominium project is not warrantable, or documentation not provided to determine warrantability

See attached current rate lock  - xx/xx/xxxx

 What is required on this ?  - xx/xx/xxxx

 Corrected/Updated lock showing Non-Warrantable Condo was accepted. - xx/xx/xxxx

Corrected/Updated lock showing Non-Warrantable Condo was accepted. - xx/xx/xxxx

See attached current rate lock  - xx/xx/xxxx

Provide a corrected lock from xxxxxx showing subject is a non-warrantable condo, and an approved exception. - xx/xx/xxxx

What is required on this ?  - xx/xx/xxxx

Condominium project is not warrantable, or documentation not provided to determine warrantability Updated xxxxxx lock provided, showing loan was locked as Non-Warrantable Condo. - xx/xx/xxxx

 Corrected/Updated lock showing Non-Warrantable Condo was accepted. - xx/xx/xxxx

Corrected/Updated lock showing Non-Warrantable Condo was accepted. - xx/xx/xxxx

See attached current rate lock  - xx/xx/xxxx

Provide a corrected lock from xxxxxx showing subject is a non-warrantable condo, and an approved exception. - xx/xx/xxxx

What is required on this ?  - xx/xx/xxxx

Condominium project is not warrantable, or documentation not provided to determine warrantability Updated xxxxxx lock provided, showing loan was locked as Non-Warrantable Condo. - xx/xx/xxxx

 2026-06-23 16:37 Resolved 1 1 4 1
4000131083 xx/xx/xxxx xxxxx xxxxx NJ Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9608304 5 of 6 xx/xx/xxxx Property Other Property/Value Finding An environmental hazard assessment is required for condo and co-op projects if an environmental problem is identified by the lender through performance of its project underwriting or due diligence. If environmental problems are identified, the problems must be determined to be acceptable. Lenders should keep a copy of this assessment in the project review file. Property is within 2 miles of EPA superfund site

See attached cert   - xx/xx/xxxx

 See attached  - xx/xx/xxxx

 LOX to certify status of Superfund site as required by xxxxxx. - xx/xx/xxxx

See attached cert   - xx/xx/xxxx

Please provide LOX to certify status of superfund.  Lenders should keep a copy of this assessment in the project review file. Property is within 2 miles of EPA superfund site. Document provided has no web site and no context that lender has certified this is acceptable.  - xx/xx/xxxx

See attached  - xx/xx/xxxx

 LOX to certify status of Superfund site as required by xxxxxx. - xx/xx/xxxx

See attached cert   - xx/xx/xxxx

Please provide LOX to certify status of superfund.  Lenders should keep a copy of this assessment in the project review file. Property is within 2 miles of EPA superfund site. Document provided has no web site and no context that lender has certified this is acceptable.  - xx/xx/xxxx

See attached  - xx/xx/xxxx

 2026-06-12 18:34 Resolved 3 1 3 2
4000131697 xx/xx/xxxx xxxxx xxxxx PA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9747158 3 of 7 xx/xx/xxxx Property Missing Doc - 3rd Party Valuation Product/Missing The loan file did not contain the required 3rd party valuation product. Please provide the third party valuation product that supports the appraised value. The CU provided reflects a score of 2.9 and the LCA did not reflect a score at all. 



See attached CDA.  - xx/xx/xxxx

 CDA supporting value was provided. Condition resolved. - xx/xx/xxxx

See attached CDA.  - xx/xx/xxxx

 CDA supporting value was provided. Condition resolved. - xx/xx/xxxx

See attached CDA.  - xx/xx/xxxx

 2026-06-17 15:47 Resolved 3 1 4 1
4000132437 xx/xx/xxxx xxxxx xxxxx PA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9519365 2 of 5 xx/xx/xxxx Compliance Final CD: Calculating Cash to Close Closing Costs Paid, Closing Costs Financed, Down Pmt, Deposit, and/or Funds for Borrower discrepancy Settlement Statement is not reconciled to the Purchase contract. Contract reflects $xxxxxx EMD however this is incorrectly disclosed as a broker fee. Updated settlement statement required. 
see attached addendum - no EMD - xx/xx/xxxx

 Received purchase contract addendum removing the EMD - xx/xx/xxxx

see attached addendum - no EMD - xx/xx/xxxx

 Received purchase contract addendum removing the EMD - xx/xx/xxxx

see attached addendum - no EMD - xx/xx/xxxx

 2026-06-10 14:47 Resolved 3 1 3 1
4000131083 xx/xx/xxxx xxxxx xxxxx NJ Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9510410 1 of 6 xx/xx/xxxx Compliance The Initial 1003 is Missing The Initial 1003 is missing.

See attached 1003  - xx/xx/xxxx

 The Initial 1003 is present. - xx/xx/xxxx

Received initial application - xx/xx/xxxx

See attached 1003  - xx/xx/xxxx

 The Initial 1003 is present. - xx/xx/xxxx

Received initial application - xx/xx/xxxx

See attached 1003  - xx/xx/xxxx

 2026-06-12 13:23 Resolved 3 1 3 2
4000119773 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8597408 3 of 3 xx/xx/xxxx Compliance Missing Attorney Preference Letter Right To Choose Attorney or Attorney Preference not in file. The What Mortgage Applicants Need To Know / Borrower Choice Of Attorney disclosure is missing from the file. 



see attached - xx/xx/xxxx

 Right To Choose Attorney or Attorney Preference Resolved or Not Applicable - xx/xx/xxxx

Received required pamphlet - xx/xx/xxxx

see attached - xx/xx/xxxx

 Right To Choose Attorney or Attorney Preference Resolved or Not Applicable - xx/xx/xxxx

Received required pamphlet - xx/xx/xxxx

see attached - xx/xx/xxxx

 2026-06-05 13:46 Resolved 3 1 3 1
4000126381 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9519306 1 of 6 xx/xx/xxxx Credit Borrower 1 Award Letter Missing Borrower 1 Award Letter missing from the file. The loan file is missing the Pension Income Documentation for B1. 



See attached - xx/xx/xxxx

 Retirement Statement letter provided.  Condition resolved. - xx/xx/xxxx

Borrower 1 Award Letter Provided - xx/xx/xxxx

See attached - xx/xx/xxxx

 Retirement Statement letter provided.  Condition resolved. - xx/xx/xxxx

Borrower 1 Award Letter Provided - xx/xx/xxxx

See attached - xx/xx/xxxx

 2026-08-14 14:22 Resolved 3 1 3 1
4000132175 xx/xx/xxxx xxxxx xxxxx ID Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9743674 4 of 4 xx/xx/xxxx Credit Hazard Insurance - Other Insurance Incomplete The policy verifying other property insurance is not complete. Lender to provide evidence that Coverage D (Loss of Use/Fair Rental Value) provides a minimum of six months of fair rental Market coverage as required by guidelines. The current declarations page reflects Coverage D of $xxxxx and an Additional Living Expense term of 24 months; however, it is unclear whether the policy provides six months of Fair Rental Value/Loss of Rents coverage.

See attached - xx/xx/xxxx

 Explanation from HOI was provided. Condition resolved. - xx/xx/xxxx

Explanation from HOI was provided.  Condition resolved. - xx/xx/xxxx

See attached - xx/xx/xxxx

 Explanation from HOI was provided. Condition resolved. - xx/xx/xxxx

Explanation from HOI was provided.  Condition resolved. - xx/xx/xxxx

See attached - xx/xx/xxxx

 2026-06-16 19:57 Resolved 3 1 3 1
4000131697 xx/xx/xxxx xxxxx xxxxx PA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9748695 5 of 7 xx/xx/xxxx Credit Third Party Fraud Report not Provided Missing third party fraud report. Please provide the fraud report.



see attached - xx/xx/xxxx

 Fraud Report provided.  Condition resolved. - xx/xx/xxxx

Third party fraud report is provided - xx/xx/xxxx

see attached - xx/xx/xxxx

 Fraud Report provided.  Condition resolved. - xx/xx/xxxx

Third party fraud report is provided - xx/xx/xxxx

see attached - xx/xx/xxxx

 2026-06-17 15:50 Resolved 3 1 4 1
400012xxxxxx  xx/xx/xxxx xxxxx xxxxx FL Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8426007 4 of 4 xx/xx/xxxx Compliance PUD Rider is Missing PUD Rider is missing.  Appraisal and Golden Isles Homeowners Association invoice indicate subject located in a PUD.  

see attached  - xx/xx/xxxx

 PUD Rider provided.  Condition resolved. - xx/xx/xxxx

see attached  - xx/xx/xxxx

 PUD Rider provided.  Condition resolved. - xx/xx/xxxx

see attached  - xx/xx/xxxx

 2026-04-07 13:47 Resolved 3 1 4 1
4000123123 xx/xx/xxxx xxxxx xxxxx FL Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8488058 1 of 4 xx/xx/xxxx Credit Borrower 1 Gap Credit Report is Missing Borrower 1 Gap Credit Report is Missing

see attached  - xx/xx/xxxx

 GAP/UDM Report provided. Condition resolved. - xx/xx/xxxx

Borrower 1 Gap Credit Report is not missing. - xx/xx/xxxx

see attached  - xx/xx/xxxx

 GAP/UDM Report provided. Condition resolved. - xx/xx/xxxx

Borrower 1 Gap Credit Report is not missing. - xx/xx/xxxx

see attached  - xx/xx/xxxx

 2026-04-08 14:50 Resolved 4 1 4 1
4000124960 xx/xx/xxxx xxxxx xxxxx MT Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8809261 4 of 5 xx/xx/xxxx Property Missing HOA/Condo Certification CONDO xxxxxx/CPM w/ FNMA is missing.

See attached  - xx/xx/xxxx

 xxxxxx Project Warranty Certification and all Condo related documents including building permit and occupancy cert were provided.  Condition resolved. - xx/xx/xxxx

See attached  - xx/xx/xxxx

 xxxxxx Project Warranty Certification and all Condo related documents including building permit and occupancy cert were provided.  Condition resolved. - xx/xx/xxxx

See attached  - xx/xx/xxxx

 2026-04-28 19:24 Resolved 3 1 3 1
4000124960 xx/xx/xxxx xxxxx xxxxx MT Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8820862 5 of 5 xx/xx/xxxx Compliance Missing Toolkit Disclosure/Booklet Home Loan Toolkit is missing from file.

See attached  - xx/xx/xxxx

 Received Your Home Loan Toolkit - xx/xx/xxxx

See attached  - xx/xx/xxxx

 Received Your Home Loan Toolkit - xx/xx/xxxx

See attached  - xx/xx/xxxx

 2026-04-28 17:39 Resolved 2 1 3 1
4000127460 xx/xx/xxxx xxxxx xxxxx NJ Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9162738 1 of 5 xx/xx/xxxx Credit Other Credit Finding Per the Lender guidelines, Self-employed Borrower who use P&L income must also provide the Borrower narrative on nature of business required; however, the loan file did not contain a business narrative. 

see attached  - xx/xx/xxxx

 Business Narrative provided.  Condition resolved. - xx/xx/xxxx

see attached  - xx/xx/xxxx

 Business Narrative provided.  Condition resolved. - xx/xx/xxxx

see attached  - xx/xx/xxxx

 2026-05-21 14:20 Resolved 4 1 4 1
4000129230 xx/xx/xxxx xxxxx xxxxx CA Second Home Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9491490 1 of 3 xx/xx/xxxx Credit Liabilities - REO The loan file did not contain sufficient documentation to verify debts associated with all other properties. The loan file did not contain sufficient documentation to verify monthly hazard insurance (HOI) associated with borrowers' primary residence. 



See attached  - xx/xx/xxxx

 REO debts have been provided.  Condition resolved. - xx/xx/xxxx

See attached  - xx/xx/xxxx

 REO debts have been provided.  Condition resolved. - xx/xx/xxxx

See attached  - xx/xx/xxxx

 2026-06-04 16:46 Resolved 3 1 3 1
4000129986 xx/xx/xxxx xxxxx xxxxx VA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9434421 3 of 5 xx/xx/xxxx Compliance Missing Warranty / Transfer Deed Warranty / Transfer Deed is not provided. The Bargain & Sale Deed is not executed/notarized. Missing the executed  Bargain & Sale Deed.



See attached  - xx/xx/xxxx

 Received executed and notarized sales deed.  - xx/xx/xxxx

See attached  - xx/xx/xxxx

 Received executed and notarized sales deed.  - xx/xx/xxxx

See attached  - xx/xx/xxxx

 2026-06-08 15:42 Resolved 4 1 4 1
4000131083 xx/xx/xxxx xxxxx xxxxx NJ Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9512642 2 of 6 xx/xx/xxxx Credit Third Party Fraud Report not Provided Missing third party fraud report. The loan file is missing the Fraud report. 



See attached  - xx/xx/xxxx

 Third party fraud report is provided - xx/xx/xxxx

xxxxxx has been contacted and requested if any additional information is required for property near EPA Superfund site.  - xx/xx/xxxx

Condition upheld.  Fraud Report has a High Alert that has not been cleared.  Subject property is located 2 miles away from an EPA Superfund Site. Appraiser does not mention, nor does Sales Contract disclose to Borrower.  Ensure any environmental hazards have been addressed on the appraisal, any required notifications are given to  transaction participants, and loan is eligible for the intended program. Confirm all appropriate legal requirements for transfer of the property.  - xx/xx/xxxx

See attached  - xx/xx/xxxx

 Third party fraud report is provided - xx/xx/xxxx

xxxxxx has been contacted and requested if any additional information is required for property near EPA Superfund site.  - xx/xx/xxxx

Condition upheld.  Fraud Report has a High Alert that has not been cleared.  Subject property is located 2 miles away from an EPA Superfund Site. Appraiser does not mention, nor does Sales Contract disclose to Borrower.  Ensure any environmental hazards have been addressed on the appraisal, any required notifications are given to  transaction participants, and loan is eligible for the intended program. Confirm all appropriate legal requirements for transfer of the property.  - xx/xx/xxxx

See attached  - xx/xx/xxxx

 2026-06-10 14:34 Resolved 3 1 3 2
4000131019 xx/xx/xxxx xxxxx xxxxx IL Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9613876 1 of 12 xx/xx/xxxx Credit Missing Property Tax Cert Missing property tax cert. The property tax cert is missing. The lender used $xxxxxxyr. The title commitment shows taxes paid of $xxxxxx in xxxxxx and is missing the 2nd installment amount due for this year. 

See attached  - xx/xx/xxxx

 Property Tax Cert provided.  Condition resolved. - xx/xx/xxxx

property tax cert provided - xx/xx/xxxx

See attached  - xx/xx/xxxx

 Property Tax Cert provided.  Condition resolved. - xx/xx/xxxx

property tax cert provided - xx/xx/xxxx

See attached  - xx/xx/xxxx

 2026-06-16 15:12 Resolved 3 1 4 1
4000131019 xx/xx/xxxx xxxxx xxxxx IL Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9614560 2 of 12 xx/xx/xxxx Credit Flood Certificate Missing Missing flood certificate. The Flood Cert is missing in the loan file.



See attached  - xx/xx/xxxx

 Flood Cert provided.  Condition resolved. - xx/xx/xxxx

Flood Certificate is fully present - xx/xx/xxxx

See attached  - xx/xx/xxxx

 Flood Cert provided.  Condition resolved. - xx/xx/xxxx

Flood Certificate is fully present - xx/xx/xxxx

See attached  - xx/xx/xxxx

 2026-06-18 13:54 Resolved 4 1 4 1
4000131019 xx/xx/xxxx xxxxx xxxxx IL Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9614847 8 of 12 xx/xx/xxxx Credit Condo - HOA Dues The file does not contain documentation supporting the HOA/Condo dues. The current HOA bill for the subject is missing in the loan file.



See attached  - xx/xx/xxxx

 HOA Statement provided.  Condition resolved. - xx/xx/xxxx

See attached  - xx/xx/xxxx

 HOA Statement provided.  Condition resolved. - xx/xx/xxxx

See attached  - xx/xx/xxxx

 2026-06-16 15:10 Resolved 3 1 4 1
4000130924 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9615042 1 of 4 xx/xx/xxxx Credit Borrower 1 Gap Credit Report is Missing Borrower 1 Gap Credit Report is Missing. Credit report is 94 days.

see attached  - xx/xx/xxxx

 UDM/GAP Report provided.  Condition resolved. - xx/xx/xxxx

Borrower 1 Gap Credit Report is not missing. - xx/xx/xxxx

see attached  - xx/xx/xxxx

 UDM/GAP Report provided.  Condition resolved. - xx/xx/xxxx

Borrower 1 Gap Credit Report is not missing. - xx/xx/xxxx

see attached  - xx/xx/xxxx

 2026-06-22 15:00 Resolved 4 1 4 1
4000132399 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9716972 1 of 4 xx/xx/xxxx Credit Business Purpose - Loan Guaranty/Missing The xxxxxxonal Loan Guaranty is missing. The subject loan is vested under business xxxxxx . The xxxxxxonal Guaranty is for one of the borrower's other LLC's. The xxxxxxonal guaranty for the subject property and business is missing in the loan file.

see attached  - xx/xx/xxxx

 Loan Guaranty was provided.  Condition resolved. - xx/xx/xxxx

The xxxxxxonal Loan Guaranty is not missing. - xx/xx/xxxx

see attached  - xx/xx/xxxx

 Loan Guaranty was provided.  Condition resolved. - xx/xx/xxxx

The xxxxxxonal Loan Guaranty is not missing. - xx/xx/xxxx

see attached  - xx/xx/xxxx

 2026-06-16 16:39 Resolved 4 1 4 1
4000132404 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9718066 4 of 4 xx/xx/xxxx Compliance The Final 1003 is Incomplete The final 1003 is incomplete. Final 1003 list the subject property twice 3a & 3b.xxxxxx mtg belongs to property xxxxxx
 see attached  - xx/xx/xxxx

 Final 1003 provided.  Condition resolved. - xx/xx/xxxx

The final 1003 is present - xx/xx/xxxx

see attached  - xx/xx/xxxx

 Final 1003 provided.  Condition resolved. - xx/xx/xxxx

The final 1003 is present - xx/xx/xxxx

see attached  - xx/xx/xxxx

 2026-06-17 13:39 Resolved 3 1 3 1
4000129803 xx/xx/xxxx xxxxx xxxxx WA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9673645 1 of 3 xx/xx/xxxx Credit Purchase is not considered to be an Arm's Length Transaction Non-arm's length transactions not allowed for program. Non-Arm's Length transaction per appraiser between family acquaintances.



See attached  - xx/xx/xxxx

 Appraisal was mis-read.  Transaction is arms-length.  LOE from Borrower confirms.  Condition resolved. - xx/xx/xxxx

Purchase is considered to be an Arm's Length Transaction, or Not Applicable - xx/xx/xxxx

See attached  - xx/xx/xxxx

 Appraisal was mis-read.  Transaction is arms-length.  LOE from Borrower confirms.  Condition resolved. - xx/xx/xxxx

Purchase is considered to be an Arm's Length Transaction, or Not Applicable - xx/xx/xxxx

See attached  - xx/xx/xxxx

 2026-06-12 21:01 Resolved 3 1 3 1
4000132440 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9697359 1 of 6 xx/xx/xxxx Credit Borrower 1 Gap Credit Report is Missing Borrower 1 Gap Credit Report is Missing The credit was pulled onxx/xx/xxxxnd the note date isxx/xx/xxxxPer guidelines, an alternate confirmation that there is no new debt is required and may include a new credit report, pre-close credit score soft-pull or gap report



see attached  - xx/xx/xxxx

 GAP/UDN Report provided. Condition resolved - xx/xx/xxxx

GAP/UDN Report provided.  Condition resolved. - xx/xx/xxxx

Borrower 1 Gap Credit Report is not missing. - xx/xx/xxxx

see attached  - xx/xx/xxxx

 GAP/UDN Report provided. Condition resolved - xx/xx/xxxx

GAP/UDN Report provided.  Condition resolved. - xx/xx/xxxx

Borrower 1 Gap Credit Report is not missing. - xx/xx/xxxx

see attached  - xx/xx/xxxx

 2026-06-15 13:19 Resolved 4 1 4 1
4000132440 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9706799 6 of 6 xx/xx/xxxx Credit Other Credit Finding When using P&L income to qualify, an internet search of the business is required with documentation to be included in the credit file to support existence of the business. This documentation is missing from the loan file. 

see attached  - xx/xx/xxxx

 Evidence of Business existence was provided.  Condition resolved. - xx/xx/xxxx

see attached  - xx/xx/xxxx

 Evidence of Business existence was provided.  Condition resolved. - xx/xx/xxxx

see attached  - xx/xx/xxxx

 2026-06-15 13:21 Resolved 4 1 4 1
4000131963 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9723120 1 of 6 xx/xx/xxxx Credit Missing Application Per the loan applications the borrower's citizenship shows United States Citizen. A Permanent Resident Alien Card  (I-551) expiringxx/xx/xxxx is provided in file. A final loan application showing the borrower's citizenship of Permanent Resident Alien is missing in the loan file.

see attached  - xx/xx/xxxx

 Corrected 1003 was provided.  Condition resolved. - xx/xx/xxxx

see attached  - xx/xx/xxxx

 Corrected 1003 was provided.  Condition resolved. - xx/xx/xxxx

see attached  - xx/xx/xxxx

 2026-06-16 15:57 Resolved 3 1 3 1
4000131963 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9724317 4 of 6 xx/xx/xxxx Credit Hazard Insurance - Other Insurance Incomplete The policy verifying other property insurance is not complete. The hazard policy shows the occupancy is PRIMARY. A corrected Hazard Policy correcting to Non-OwnerOccupied or showing Tenant occupied is required. 



see attached  - xx/xx/xxxx

 Corrected HOI Policy was provided.  Condition resolved. - xx/xx/xxxx

see attached  - xx/xx/xxxx

 Corrected HOI Policy was provided.  Condition resolved. - xx/xx/xxxx

see attached  - xx/xx/xxxx

 2026-06-16 15:55 Resolved 3 1 3 1
4000130321 xx/xx/xxxx xxxxx xxxxx AZ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9793522 2 of 3 xx/xx/xxxx Compliance Missing Warranty / Transfer Deed Warranty / Transfer Deed is not provided. The Warranty / Transfer Deed is missing in the loan file.



See attached  - xx/xx/xxxx

 Received warranty deed - xx/xx/xxxx

See attached  - xx/xx/xxxx

 Received warranty deed - xx/xx/xxxx

See attached  - xx/xx/xxxx

 2026-06-18 19:25 Resolved 4 1 4 1
4000131697 xx/xx/xxxx xxxxx xxxxx PA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9696380 1 of 7 xx/xx/xxxx Compliance Intent to Proceed is Missing or Incomplete Provide Intent to Proceed documentation.  Missing Intent to Proceed documentation. 



See attached  - xx/xx/xxxx

 Intent to Proceed provided. - xx/xx/xxxx

Received ITP - xx/xx/xxxx

See attached  - xx/xx/xxxx

 Intent to Proceed provided. - xx/xx/xxxx

Received ITP - xx/xx/xxxx

See attached  - xx/xx/xxxx

 2026-06-18 13:17 Resolved 3 1 4 1
4000131697 xx/xx/xxxx xxxxx xxxxx PA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9750170 6 of 7 xx/xx/xxxx Credit Borrower 1 Gap Credit Report is Missing Borrower 1 Gap Credit Report is Missing Alternate confirmation that there is no new debt is required and may include a new credit report, pre-close credit score soft-pull or gap report



see attached  - xx/xx/xxxx

 GAP/UDM Report provided.  Condition resolved. - xx/xx/xxxx

Borrower 1 Gap Credit Report is not missing. - xx/xx/xxxx

see attached  - xx/xx/xxxx

 GAP/UDM Report provided.  Condition resolved. - xx/xx/xxxx

Borrower 1 Gap Credit Report is not missing. - xx/xx/xxxx

see attached  - xx/xx/xxxx

 2026-06-22 18:54 Resolved 4 1 4 1
4000131697 xx/xx/xxxx xxxxx xxxxx PA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9750171 7 of 7 xx/xx/xxxx Credit Borrower 2 Gap Credit Report is Missing Borrower 2 Gap Credit Report is Missing Alternate confirmation that there is no new debt is required and may include a new credit report, pre-close credit score soft-pull or gap report



See attached  - xx/xx/xxxx

 GAP/UDM Report provided.  Condition resolved. - xx/xx/xxxx

Borrower 2 Gap Credit Report is not missing. - xx/xx/xxxx

See attached  - xx/xx/xxxx

 GAP/UDM Report provided.  Condition resolved. - xx/xx/xxxx

Borrower 2 Gap Credit Report is not missing. - xx/xx/xxxx

See attached  - xx/xx/xxxx

 2026-06-22 18:54 Resolved 4 1 4 1
4000133307 xx/xx/xxxx xxxxx xxxxx TN Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9843828 2 of 3 xx/xx/xxxx Compliance Missing Doc - Homeownership Counseling Disclosure/Missing Homeownership Counseling Disclosure is missing. File only contains the Acknowledgement. 

See attached  - xx/xx/xxxx

 Homeownership Counseling Disclosure was provided. - xx/xx/xxxx

Received disclosure - xx/xx/xxxx

See attached  - xx/xx/xxxx

 Homeownership Counseling Disclosure was provided. - xx/xx/xxxx

Received disclosure - xx/xx/xxxx

See attached  - xx/xx/xxxx

 2026-06-23 15:56 Resolved 3 1 3 1
4000131703 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9872640 3 of 13 xx/xx/xxxx Credit Liabilities - REO The loan file did not contain sufficient documentation to verify debts associated with all other properties. The mortgage statement, property tax bill, hazard insurance bill, and HOA bill for the xxxxxx property is missing in the loan file. The xxxxxx Sch E in the xxxxxx tax returns do not show insurance nor the HOA fees.

See attached  - xx/xx/xxxx

 MLS and HOA Statement provided.  Condition resolved. - xx/xx/xxxx

See attached  - xx/xx/xxxx

 MLS and HOA Statement provided.  Condition resolved. - xx/xx/xxxx

See attached  - xx/xx/xxxx

 2026-06-26 13:52 Resolved 3 1 3 1
4000131703 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9872671 4 of 13 xx/xx/xxxx Credit Missing Income - Business Tax Returns The borrower is Self-Employed. Per guidelines,  self-employed borrower's requires the following that is missing in the loan file: All Borrowers must also provide evidence that business has been in existence for at least two (2) years via CPA / Tax preparer letter, confirmation from regulatory or state agency, or applicable licensing bureau. A CPA VOE is provided, however, the CPA's validation is not provided, nor is a business license or letter stating how long the borrower has been in business from the CPA as required.

See attached  - xx/xx/xxxx

 Two years Tax Returns in file, and Letter from CFP provided.  Condition resolved. - xx/xx/xxxx

See attached  - xx/xx/xxxx

 Two years Tax Returns in file, and Letter from CFP provided.  Condition resolved. - xx/xx/xxxx

See attached  - xx/xx/xxxx

 2026-06-26 13:50 Resolved 3 1 3 1
4000131703 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9872789 6 of 13 xx/xx/xxxx Credit Corporation/LLC: Operating Agreement Doc is Incomplete The Corporation/LLC: Operating Agreement in file is incomplete. The Operating Agreement for the vesting company is not signed/executed by the owner/borrower. 



See attached  - xx/xx/xxxx

 Executed Operating Agreement was provided. Condition resolved. - xx/xx/xxxx

See attached  - xx/xx/xxxx

 Executed Operating Agreement was provided. Condition resolved. - xx/xx/xxxx

See attached  - xx/xx/xxxx

 2026-06-26 13:30 Resolved 3 1 3 1
4000131703 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9872859 7 of 13 xx/xx/xxxx Credit Verification Documentation - VOM Missing/Incomplete The mortgage history in the loan file was incomplete or missing. The loan file did not contain a Verifiction of Mortgage as required. The note date isxx/xx/xxxx. The most recent credit report pulledxx/xx/xxxxhows the date last active for the mortgage on the REO isxx/xx/xxxx. Missing evidence the mortgage payment is current thru closing. 



See attached  - xx/xx/xxxx

 Credit Supplement provided. Condition resolved. - xx/xx/xxxx

See attached  - xx/xx/xxxx

 Credit Supplement provided. Condition resolved. - xx/xx/xxxx

See attached  - xx/xx/xxxx

 2026-06-26 13:56 Resolved 3 1 3 1
4000131703 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9875037 10 of 13 xx/xx/xxxx Credit Approval/Underwriting Summary Not Provided The loan did not contain the Approval/Underwriting Summary. The lender's final transmittal/1008 is missing in the loan file.



See attached  - xx/xx/xxxx

 1008 provided.  Condition resolved. - xx/xx/xxxx

Approval/Underwriting Summary is fully present - xx/xx/xxxx

See attached  - xx/xx/xxxx

 1009 provided.  Condition resolved. - xx/xx/xxxx

Approval/Underwriting Summary is fully present - xx/xx/xxxx

See attached  - xx/xx/xxxx

 2026-06-26 14:07 Resolved 3 1 3 1
4000131703 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9878195 13 of 13 xx/xx/xxxx Property Missing Doc - 3rd Party Valuation Product/Missing The loan file did not contain the required 3rd party valuation product. Please provide the third party valuation review product that supports the appraised value of the subject property



See attached  - xx/xx/xxxx

 CDA supporting value was provided.  Condition resolved. - xx/xx/xxxx

See attached  - xx/xx/xxxx

 CDA supporting value was provided.  Condition resolved. - xx/xx/xxxx

See attached  - xx/xx/xxxx

 2026-06-26 14:03 Resolved 3 1 3 1
4000131672 xx/xx/xxxx xxxxx xxxxx CT Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9536127 1 of 3 xx/xx/xxxx Credit Liabilities - REO The loan file did not contain sufficient documentation to verify debts associated with all other properties.  Missing HOA statement or statement there is no HOA on the retained REO: xxxxxx.

see attached  - xx/xx/xxxx

 This is a single-family residence not in an HOA  - xx/xx/xxxx

 Lender provided Statement stating: there is no HOA on xxxxxx   Condition resolved. - xx/xx/xxxx
see attached  - xx/xx/xxxx
Condition upheld.  This is not the subject property.  Provide HOA statement or statement there is no HOA on the retained REO: xxxxxx. - xx/xx/xxxx
This is a single-family residence not in an HOA  - xx/xx/xxxx
 Lender provided Statement stating: there is no HOA on xxxxxx   Condition resolved. - xx/xx/xxxx
see attached  - xx/xx/xxxx
Condition upheld.  This is not the subject property.  Provide HOA statement or statement there is no HOA on the retained REO: xxxxxx. - xx/xx/xxxx
This is a single-family residence not in an HOA  - xx/xx/xxxx
 2026-06-10 14:27 Resolved 3 1 3 1
4000131697 xx/xx/xxxx xxxxx xxxxx PA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9745571 2 of 7 xx/xx/xxxx Credit Missing VOM or VOR Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Please provide the 12 month verification of rent for the borrower's primary residence. 



See attached  - xx/xx/xxxx
 the borrower wires his $xxxxxx payment every month out of the Charles xxxxxx account #xxxxxx ,Most recent 4 months were provided, we see the pattern there, please see if this is sufficient  - xx/xx/xxxx
 See attached VOR  - xx/xx/xxxx
 Private VOR and Transaction History from  xxxxxx account showing payments was provided.  Condition resolved. - xx/xx/xxxx
Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - xx/xx/xxxx
See attached  - xx/xx/xxxx
Condition upheld.  Provide an approved exception from xxxxxx. Verification of Rent does not meet Guidelines. - xx/xx/xxxx
the borrower wires his $xxxxxx payment every month out of the Charles xxxxxx account #xxxxxx ,Most recent 4 months were provided, we see the pattern there, please see if this is sufficient  - xx/xx/xxxx
Condition upheld. Per xxxxxx Guidelines xx/xx/xxxx. Private Party VORs / VOMs will be considered on a case-by-case basis and will require an exception approval, subject to an LLPA. Per xxxxxx Overlays:  Borrower's proof of payment for the most recent 6-months xx/xx/xxxxCancelled checks, bank statements, ACH payments, bank transfer/wire, electronic payment method. - xx/xx/xxxx
See attached VOR  - xx/xx/xxxx
 Private VOR and Transaction History from  xxxxxx account showing payments was provided.  Condition resolved. - xx/xx/xxxx
Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - xx/xx/xxxx
See attached  - xx/xx/xxxx
Condition upheld.  Provide an approved exception from xxxxxx. Verification of Rent does not meet Guidelines. - xx/xx/xxxx
the borrower wires his $xxxxxx payment every month out of the Charles xxxxxx account #xxxxxx ,Most recent 4 months were provided, we see the pattern there, please see if this is sufficient  - xx/xx/xxxx
Condition upheld. Per xxxxxx Guidelines xx/xx/xxxx. Private Party VORs / VOMs will be considered on a case-by-case basis and will require an exception approval, subject to an LLPA. Per xxxxxx Overlays:  Borrower's proof of payment for the most recent 6-months xx/xx/xxxxCancelled checks, bank statements, ACH payments, bank transfer/wire, electronic payment method. - xx/xx/xxxx
See attached VOR  - xx/xx/xxxx
 2026-06-22 18:56 Resolved 3 1 4 1
4000131019 xx/xx/xxxx xxxxx xxxxx IL Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9614561 3 of 12 xx/xx/xxxx Credit HO6 Master Insurance Policy is Partial Project master insurance policy partially provided. The HO6 provided shows a policy # of pending. The final HO6 policy is missing in the loan file.



See attached  - xx/xx/xxxx

 Please look at the COI in its entirety, the Property insurance is addressed. - xx/xx/xxxx

 HO-6 Master Insurance Policy is fully present - xx/xx/xxxx
Condition upheld. The HOA Master Policy was provided.  Provide the Borrower's Policy with xxxxxx. - xx/xx/xxxx
See attached  - xx/xx/xxxx
Condition upheld.  Provide the Borrower's HOI Policy (HO6) that is complete and accurate.  Policy provided from xxxxxx shows the Policy Number is PENDING. - xx/xx/xxxx
Please look at the COI in its entirety, the Property insurance is addressed. - xx/xx/xxxx
 HO-6 Master Insurance Policy is fully present - xx/xx/xxxx

Condition upheld. The HOA Master Policy was provided.  Provide the Borrower's Policy with xxxxxx. - xx/xx/xxxx

See attached  - xx/xx/xxxx

Condition upheld.  Provide the Borrower's HOI Policy (HO6) that is complete and accurate.  Policy provided from xxxxxx shows the Policy Number is PENDING. - xx/xx/xxxx

Please look at the COI in its entirety, the Property insurance is addressed. - xx/xx/xxxx

 2026-06-18 13:54 Resolved 3 1 4 1
4000131019 xx/xx/xxxx xxxxx xxxxx IL Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9614565 4 of 12 xx/xx/xxxx Credit Condo - Master Policy Insufficient The master hazard insurance policy verified total coverage which was not sufficient to cover total required coverage. The Master Policy endorsed with the subject borrower's, unit, and lender is missing in the loan file.
 



 See attached  - xx/xx/xxxx

 Please look at the COI in its entirety, the Property insurance is addressed. - xx/xx/xxxx

 Master Policy provided.  Condition resolved. - xx/xx/xxxx
See attached  - xx/xx/xxxx
Condition upheld.  Provide the document you are citing as the Condo Questionnaire states there is a policy with xxxxxx. - xx/xx/xxxx
Please look at the COI in its entirety, the Property insurance is addressed. - xx/xx/xxxx
 Master Policy provided.  Condition resolved. - xx/xx/xxxx

See attached  - xx/xx/xxxx

Condition upheld.  Provide the document you are citing as the Condo Questionnaire states there is a policy with xxxxxx. - xx/xx/xxxx

Please look at the COI in its entirety, the Property insurance is addressed. - xx/xx/xxxx

 2026-06-18 13:56 Resolved 3 1 4 1
4000126200 xx/xx/xxxx xxxxx xxxxx TX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8978210 5 of 5 xx/xx/xxxx Credit Asset 1 Does Not Meet Guideline Requirements DSCR large deposits should be in line and consistent with the borrower’s overall credit profile and may require a letter of explanation. The closing funds certified funds of $xxxxxx from xxxxxx. The xxxxxx Account is not provided.  Asset does not meet G/L Requirements.

see attached  - xx/xx/xxxx

 Per xxxxxx guidelines, referenced in Section 11.1: Asset Documentation - Follow FNMA guides if funds require liquidation when used for down payment or closing costs, and if funds are being used for reserves.  - xx/xx/xxxx

 Per FNMA: B3-4.3-01, liquidation is not required for down payment/closing costs when value of stocks is greater than 20% of assets needed to close.   - xx/xx/xxxx

 xxxxxx Statement datedxx/xx/xxxx (After closing) showing the funds to close was provided.  Condition resolved. - xx/xx/xxxx
Asset Record 1 Meets G/L Requirements - xx/xx/xxxx
see attached  - xx/xx/xxxx
Condition upheld.  Again this has nothing to do with liquidation of assets.  Source the $xxxxxx provided to close.   - xx/xx/xxxx
Per xxxxxx guidelines, referenced in Section 11.1: Asset Documentation - Follow FNMA guides if funds require liquidation when used for down payment or closing costs, and if funds are being used for reserves.  - xx/xx/xxxx
Condition upheld.  Condition is not about liquidation and this loan was manually underwritten.  Provide source and verification of the $xxxxxx cashier's check borrower provided to Title for funds to close. - xx/xx/xxxx
Per FNMA: B3-4.3-01, liquidation is not required for down payment/closing costs when value of stocks is greater than 20% of assets needed to close.   - xx/xx/xxxx
 xxxxxx Statement datedxx/xx/xxxx (After closing) showing the funds to close was provided.  Condition resolved. - xx/xx/xxxx

Asset Record 1 Meets G/L Requirements - xx/xx/xxxx

see attached  - xx/xx/xxxx

Condition upheld.  Again this has nothing to do with liquidation of assets.  Source the $xxxxxx provided to close.   - xx/xx/xxxx

Per xxxxxx guidelines, referenced in Section 11.1: Asset Documentation - Follow FNMA guides if funds require liquidation when used for down payment or closing costs, and if funds are being used for reserves.  - xx/xx/xxxx

Condition upheld.  Condition is not about liquidation and this loan was manually underwritten.  Provide source and verification of the $xxxxxx cashier's check borrower provided to Title for funds to close. - xx/xx/xxxx

Per FNMA: B3-4.3-01, liquidation is not required for down payment/closing costs when value of stocks is greater than 20% of assets needed to close.   - xx/xx/xxxx

 2026-06-08 13:07 Resolved 3 1 3 1
4000132440 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9706794 5 of 6 xx/xx/xxxx Credit Borrower 1 YTD Profit & Loss Missing Borrower 1 Yxxxxxx Profit & Loss missing. The loan was approved using P&L income. Per guidelines, The CPA / EA / CTEC prepared P&L must be signed by both the Borrower and CPA / EA / CTEC. The P&L's provided are missing the borrower's signature.



see attached  - xx/xx/xxxx

 isn't it the borrower or the preparer who is supposed to sign?  - xx/xx/xxxx

 Correct P&L was provided.  Condition resolved. - xx/xx/xxxx

Borrower 1 Yxxxxxx Profit & Loss Provided - xx/xx/xxxx

see attached  - xx/xx/xxxx

Condition upheld.  Per Guidelines:  The CPA / EA / CTEC prepared P&L must be signed by both the Borrower and CPA / EA / CTEC. - xx/xx/xxxx

isn't it the borrower or the preparer who is supposed to sign?  - xx/xx/xxxx

 Correct P&L was provided.  Condition resolved. - xx/xx/xxxx

Borrower 1 Yxxxxxx Profit & Loss Provided - xx/xx/xxxx

see attached  - xx/xx/xxxx

Condition upheld.  Per Guidelines:  The CPA / EA / CTEC prepared P&L must be signed by both the Borrower and CPA / EA / CTEC. - xx/xx/xxxx

isn't it the borrower or the preparer who is supposed to sign?  - xx/xx/xxxx

 2026-06-18 17:56 Resolved 3 1 4 1
4000128287 xx/xx/xxxx xxxxx xxxxx SC Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9629504 3 of 3 xx/xx/xxxx Property Missing Doc - 3rd Party Valuation Product/Missing The loan file did not contain the required 3rd party valuation product. Missing the third-party valuation product that supports the appraised value



Scores are 1 - xx/xx/xxxx

 CU and LCA both with a score of 1 were provided.  Condition resolved. - xx/xx/xxxx

Scores are 1 - xx/xx/xxxx

 CU and LCA both with a score of 1 were provided.  Condition resolved. - xx/xx/xxxx

Scores are 1 - xx/xx/xxxx

 2026-06-12 02:08 Resolved 3 1 3 1
4000128543 xx/xx/xxxx xxxxx xxxxx TN Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9754712 1 of 3 xx/xx/xxxx Credit Asset 2 Missing Asset documentation is missing from the file. The loan file is missing the signed and dated Final CD for the sale of the departing residence reflecting the borrower receiving proceeds of $xxxxxx. 

sale of property - xx/xx/xxxx

 Final signed CD from sale of REO was provided.  Condition resolved. - xx/xx/xxxx

Asset 2 Provided Or Not Applicable - xx/xx/xxxx

sale of property - xx/xx/xxxx

 Final signed CD from sale of REO was provided.  Condition resolved. - xx/xx/xxxx

Asset 2 Provided Or Not Applicable - xx/xx/xxxx

sale of property - xx/xx/xxxx

 2026-06-19 15:32 Resolved 3 1 3 1
4000136076 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10246411 3 of 4 xx/xx/xxxx Compliance The Final 1003 is Incomplete The final 1003 is incomplete. Please provide the complete 1003 for the coborrower. 



xxxxxx is not on the loan application for approval. She is a 50% owner so per our guidelines, she will have to execute the xxxxxxonal guaranty and 1003. But the 1003 is just for brief info. - xx/xx/xxxx

 The final 1003 is present - xx/xx/xxxx
2nd member provided limited 1003 as required by guidelines.  - xx/xx/xxxx
Limited 1003 for co guarantor provided.  - xx/xx/xxxx
Condition Upheld.  xxxxxx signed the Note as a Member of the LLC and signed a  Guaranty.   She is considered a Borrower as she is xxxxxxonally liable for the loan.
Guarantor is subject to the same underwriting requirements as an individual Borrower - xx/xx/xxxx
xxxxxx is not on the loan application for approval. She is a 50% owner so per our guidelines, she will have to execute the xxxxxxonal guaranty and 1003. But the 1003 is just for brief info. - xx/xx/xxxx
 The final 1003 is present - xx/xx/xxxx
2nd member provided limited 1003 as required by guidelines.  - xx/xx/xxxx
Limited 1003 for co guarantor provided.  - xx/xx/xxxx
Condition Upheld.  xxxxxx signed the Note as a Member of the LLC and signed a  Guaranty.   She is considered a Borrower as she is xxxxxxonally liable for the loan.
Guarantor is subject to the same underwriting requirements as an individual Borrower - xx/xx/xxxx
xxxxxx is not on the loan application for approval. She is a 50% owner so per our guidelines, she will have to execute the xxxxxxonal guaranty and 1003. But the 1003 is just for brief info. - xx/xx/xxxx
 2026-08-06 20:32 Resolved 3 1 4 1
4000123383 xx/xx/xxxx xxxxx xxxxx FL Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8926189 1 of 6 xx/xx/xxxx Credit Purchase Contract - Addendum Missing The Purchase Contract Addendum is missing. The sales contract is set to closexx/xx/xxxxNote date isxx/xx/xxxx Missing the sales contract addendum supporting the terms are the same and extending the closing date toxx/xx/xxxx



 Ridgell close date change. - xx/xx/xxxx

 Contract addendum was provided.  Condition resolved. - xx/xx/xxxx

Ridgell close date change. - xx/xx/xxxx

 Contract addendum was provided.  Condition resolved. - xx/xx/xxxx

Ridgell close date change. - xx/xx/xxxx

 2026-05-07 16:06 Resolved 2 1 3 2
4000118148 xx/xx/xxxx xxxxx xxxxx FL Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8365014 2 of 4 xx/xx/xxxx Compliance 1-4 Family Rider is Missing The file is missing the 1-4 Family Rider. The loan file is missing the 1-4 Family rider. 



Riders - xx/xx/xxxx

 DOT and 1-4 Family Rider provided.  Condition resolved. - xx/xx/xxxx

Riders - xx/xx/xxxx

 DOT and 1-4 Family Rider provided.  Condition resolved. - xx/xx/xxxx

Riders - xx/xx/xxxx

 2026-04-01 19:05 Resolved 3 1 4 1
4000129766 xx/xx/xxxx xxxxx xxxxx NV Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9713804 3 of 3 xx/xx/xxxx Compliance The Final 1003 is Incomplete The final 1003 is incomplete. The final loan application reflects social security income that is not on the final 1008. Please provide the updated final 1003 removing the social security income. If utilizing the social security income, an exception is required. 



REVISED FINAL 1003 AND 1008  - xx/xx/xxxx

 Received corrected documents - xx/xx/xxxx

REVISED FINAL 1003 AND 1008  - xx/xx/xxxx

 Received corrected documents - xx/xx/xxxx

REVISED FINAL 1003 AND 1008  - xx/xx/xxxx

 2026-06-17 13:35 Resolved 3 1 3 1
4000121744 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8709491 3 of 4 xx/xx/xxxx Credit Purchase Contract - Addendum Missing The Purchase Contract Addendum is missing. Per the sales contract the closing date is decided by the seller - Missing the Sales Contract Addendum with the expected/real closing date, as here is no target closing date on any of the addendums nor agreements provided.



Requesting exception from buyer to use what we provided in lieu of the purchase addendum.  THis is Grade B. - xx/xx/xxxx

 Please see if we can use this Closing statement in lieu of the updated addendum. We already closed the loan.  The document has Closing date of xx/xx/xxxx and its signed by the seller (builder). - xx/xx/xxxx

 Investor accepts, okay to proceed, condition resolved.  - xx/xx/xxxx

Condition upheld.  Pending approved exception. - xx/xx/xxxx

Requesting exception from buyer to use what we provided in lieu of the purchase addendum.  THis is Grade B. - xx/xx/xxxx

Condition upheld.  Provide Sales Contract Addendum or exception.  - xx/xx/xxxx

Please see if we can use this Closing statement in lieu of the updated addendum. We already closed the loan.  The document has Closing date of xx/xx/xxxx and its signed by the seller (builder). - xx/xx/xxxx

 Investor accepts, okay to proceed, condition resolved.  - xx/xx/xxxx

Condition upheld.  Pending approved exception. - xx/xx/xxxx

Requesting exception from buyer to use what we provided in lieu of the purchase addendum.  THis is Grade B. - xx/xx/xxxx

Condition upheld.  Provide Sales Contract Addendum or exception.  - xx/xx/xxxx

Please see if we can use this Closing statement in lieu of the updated addendum. We already closed the loan.  The document has Closing date of xx/xx/xxxx and its signed by the seller (builder). - xx/xx/xxxx

 2026-04-27 12:38 Resolved 2 1 3 1
4000123768 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9056384 2 of 3 xx/xx/xxxx Credit Missing letter of explanation A review of the borrower’sxxxxxxchecking account (ending in 7711) shows recurring $xxxxxx IRS payments across the xxxxxxxxxxxx bank statements.  A borrower Letter of Explanation (LOE) is required to confirm the purpose of these payments and to determine whether or not the payments are tied to an IRS tax installment agreement. If applicable, please also provide the installment agreement and proof the borrower is current.

Any required installment payment should be factored into the DTI (if applicable).
REO income worksheet provided, updated 1004 and 1008. All updated with IRS installment payment in the liabilities.  - xx/xx/xxxx

 Attached-§ Rental income worksheet reflecting the accurate net rental loss for the subject property

§ Updated 1003 with the IRS installment payment included in the liabilities

§ Updated 1008 with the accurate rental loss for the subject property and with the IRS payment included in the DTI



 - xx/xx/xxxx

 REO income worksheet provided, updated 1004 and 1008. All updated with IRS installment payment in the liabilities.  - xx/xx/xxxx

Attached-§ Rental income worksheet reflecting the accurate net rental loss for the subject property

§ Updated 1003 with the IRS installment payment included in the liabilities

§ Updated 1008 with the accurate rental loss for the subject property and with the IRS payment included in the DTI



 - xx/xx/xxxx

 REO income worksheet provided, updated 1004 and 1008. All updated with IRS installment payment in the liabilities.  - xx/xx/xxxx

Attached-§ Rental income worksheet reflecting the accurate net rental loss for the subject property

§ Updated 1003 with the IRS installment payment included in the liabilities

§ Updated 1008 with the accurate rental loss for the subject property and with the IRS payment included in the DTI



 - xx/xx/xxxx

 2026-06-08 15:09 Resolved 3 1 3 2
4000127095 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9384170 1 of 3 xx/xx/xxxx Credit Liabilities - REO The loan file did not contain sufficient documentation to verify debts associated with all other properties. The loan file did not contain sufficient documentation to verify monthly debts associated with xxxxxx in the amount of $xxxxxx. 

REO docs - xx/xx/xxxx

 Evidence of REO payment was provided.  Condition resolved. - xx/xx/xxxx

REO docs - xx/xx/xxxx

 Evidence of REO payment was provided.  Condition resolved. - xx/xx/xxxx

REO docs - xx/xx/xxxx

 2026-06-02 14:35 Resolved 3 1 3 1
4000130688 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9587687 10 of 10 xx/xx/xxxx Credit Liabilities - REO The loan file did not contain sufficient documentation to verify debts associated with all other properties. The mortgage statements provided for the investment properties reflect past-due amounts. Please provide documentation evidencing that all mortgage payments were current prior to closing. Additionally, the credit report reflects a date of last activity of xxxxxx; however, the mortgage statements indicate payments due as of xxxxxx. Please provide clarification and supporting documentation to reconcile this discrepancy.

REO Docs - xx/xx/xxxx

 REO Docs provided.  Condition resolved. - xx/xx/xxxx

REO Docs - xx/xx/xxxx

 REO Docs provided.  Condition resolved. - xx/xx/xxxx

REO Docs - xx/xx/xxxx

 2026-06-10 20:55 Resolved 3 1 4 1
4000133536 xx/xx/xxxx xxxxx xxxxx AZ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9824050 1 of 4 xx/xx/xxxx Credit Liabilities - REO The loan file did not contain sufficient documentation to verify debts associated with all other properties. Please provide the mortgage, tax, insurance, and HOA statements for the borrower's primary residence that support the payment of $xxxxxx.

REO ATTACHED FOR PRIMARY AND 2ND HOME  - xx/xx/xxxx

 Primary Mortgage Statement was provided, and evidence REO is free and clear were provided.  Condition resolved. - xx/xx/xxxx

REO ATTACHED FOR PRIMARY AND 2ND HOME  - xx/xx/xxxx

 Primary Mortgage Statement was provided, and evidence REO is free and clear were provided.  Condition resolved. - xx/xx/xxxx

REO ATTACHED FOR PRIMARY AND 2ND HOME  - xx/xx/xxxx

 2026-06-24 16:05 Resolved 3 1 3 1
4000130305 xx/xx/xxxx xxxxx xxxxx MD Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9481175 1 of 3 xx/xx/xxxx Credit Hazard Insurance - Other Insurance Incomplete The policy verifying other property insurance is not complete. Missing evidence of rental loss amount



Rentloss - xx/xx/xxxx

 Email from Insurance Broker confirms Rent Loss Coverage is 10% Dwelling Coverage.  Condition resolved. - xx/xx/xxxx

Rentloss - xx/xx/xxxx

 Email from Insurance Broker confirms Rent Loss Coverage is 10% Dwelling Coverage.  Condition resolved. - xx/xx/xxxx

Rentloss - xx/xx/xxxx

 2026-06-08 13:45 Resolved 3 1 3 1
4000123558 xx/xx/xxxx xxxxx xxxxx VA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9074294 2 of 5 xx/xx/xxxx Credit Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Documentation is incomplete to support the borrower’s private Verification of Rent. A full 12-month payment history, evidenced by canceled checks or bank statements, is required. Per the final loan application and the Verification of Rent, the borrower occupied the property located atxxxxxx fromxxxxxx throughxxxxxx, with a reported monthly rent of xxxxxx.

Rental payments - xx/xx/xxxx
 VOR xxxxxx - xx/xx/xxxx
 Proof of rent payments were provided.  Condition resolved. - xx/xx/xxxx
Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - xx/xx/xxxx
Rental payments - xx/xx/xxxx
Condition upheld.  Per guidelines:  A private VOR requires a full 12-month payment history, evidenced by canceled checks or bank statements. - xx/xx/xxxx
VOR xxxxx - xx/xx/xxxx
 Proof of rent payments were provided.  Condition resolved. - xx/xx/xxxx
Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - xx/xx/xxxx
Rental payments - xx/xx/xxxx
Condition upheld.  Per guidelines:  A private VOR requires a full 12-month payment history, evidenced by canceled checks or bank statements. - xx/xx/xxxx
VOR xxxxxx - xx/xx/xxxx
 2026-06-14 16:05 Resolved 3 1 4 1
4000117843 xx/xx/xxxx xxxxx xxxxx TX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 7919722 3 of 3 xx/xx/xxxx Credit Income - Comparable Rent Schedule Form 1007 Missing The loan file did not contain the comparable rent schedule form 1007 as required. Please provide the 1007 for the subject property.



RENT SCHEDULE REPORT - xx/xx/xxxx
 Please provide the reason for not accepting the initial 1007 as per investor guideline it do not require multiple 1007's. - xx/xx/xxxx
 Please provide the reason for not accepting the initial 1007 as per investor guideline it do not require multiple 1007's. - xx/xx/xxxx
 We have already submitted 1007 form which completed by the 1st appraiser. Rental comp 1 appears to be a model match except for the semi-detached Vs attached design style, and overall it reasonably supports the appraiser's rent estimate.
We did not use the 1st report for loan closing, but rent estimate used on file is as per 1007 provided with this report(please refer note)
I have attached 1st appraisal for your reference, 1007 form on page 18 of 37.
I have also attached xxxxxx's selling guide. It doesn't specifically mentions that 1007 form has to be completed by the same appraiser. - xx/xx/xxxx
 Please refer page 20/ 40 - xx/xx/xxxx
 1007 from Appraiser used as for valuation was provided.  Condition resolved. - xx/xx/xxxx
RENT SCHEDULE REPORT - xx/xx/xxxx
Condition upheld:
1. Per Guidelines: Gross rent is based on the 75% of 1007 Market rent stated in the appraisal OR the supplement appraisal form completed by the appraiser of record. The Appraiser of record for this loan is xxxxxx License #xxxxxx.  The 1007 provided did not come from the Appraiser of record. Guideline Violation.
2. Per Guidelines: One complete Appraisal must be submitted and used.  Parts from multiple Appraisals do not make a complete Appraisal.
3. Condition was escalated to the Investor, and they responded stating the 1007 from another Appraisal will not be accepted.
 - xx/xx/xxxx
Please provide the reason for not accepting the initial 1007 as per investor guideline it do not require multiple 1007's. - xx/xx/xxxx
Condition upheld.  We need one full and complete appraisal with the 1007, we cannot accept piece meal parts of an appraisal and this has been confirmed as such with the investor, condition remains.   - xx/xx/xxxx
Please provide the reason for not accepting the initial 1007 as per investor guideline it do not require multiple 1007's. - xx/xx/xxxx
Condition upheld.  Finding has been escalated to xxxxxx  and the response is that the Appraisal being used must have have a 1007 and that 1007 will be used for the calculation of the DSCR.  Provide the complete updated appraisal with the 1007, or provide an approved exception from xxxxxx  through the portal. - xx/xx/xxxx
We have already submitted 1007 form which completed by the 1st appraiser. Rental comp 1 appears to be a model match except for the semi-detached Vs attached design style, and overall it reasonably supports the appraiser's rent estimate.
We did not use the 1st report for loan closing, but rent estimate used on file is as per 1007 provided with this report(please refer note)
I have attached 1st appraisal for your reference, 1007 form on page 18 of 37.
I have also attached xxxxxx's selling guide. It doesn't specifically mentions that 1007 form has to be completed by the same appraiser. - xx/xx/xxxx
Condition upheld.  Provide a 1007 from the Appraiser that provided the $xxxxxx Appraisal being used.  - xx/xx/xxxx
Please refer page 20/ 40 - xx/xx/xxxx
 1008 from Appraiser used as for valuation was provided.  Condition resolved. - xx/xx/xxxx

RENT SCHEDULE REPORT - xx/xx/xxxx

Condition upheld:
1. Per Guidelines: Gross rent is based on the 75% of 1007 Market rent stated in the appraisal OR the supplement appraisal form completed by the appraiser of record. The Appraiser of record for this loan is xxxxxx License #xxxxxx.  The 1007 provided did not come from the Appraiser of record. Guideline Violation.
2. Per Guidelines: One complete Appraisal must be submitted and used.  Parts from multiple Appraisals do not make a complete Appraisal.
3. Condition was escalated to the Investor, and they responded stating the 1007 from another Appraisal will not be accepted.
 - xx/xx/xxxx

Please provide the reason for not accepting the initial 1007 as per investor guideline it do not require multiple 1007's. - xx/xx/xxxx

Condition upheld.  We need one full and complete appraisal with the 1007, we cannot accept piece meal parts of an appraisal and this has been confirmed as such with the investor, condition remains.   - xx/xx/xxxx

Please provide the reason for not accepting the initial 1007 as per investor guideline it do not require multiple 1007's. - xx/xx/xxxx

Condition upheld.  Finding has been escalated to xxxxxx  and the response is that the Appraisal being used must have have a 1007 and that 1007 will be used for the calculation of the DSCR.  Provide the complete updated appraisal with the 1007, or provide an approved exception from xxxxxx  through the portal. - xx/xx/xxxx

We have already submitted 1007 form which completed by the 1st appraiser. Rental comp 1 appears to be a model match except for the semi-detached Vs attached design style, and overall it reasonably supports the appraiser's rent estimate.

We did not use the 1st report for loan closing, but rent estimate used on file is as per 1007 provided with this report(please refer note)

I have attached 1st appraisal for your reference, 1007 form on page 18 of 37.

I have also attached xxxxxx's selling guide. It doesn't specifically mentions that 1007 form has to be completed by the same appraiser. - xx/xx/xxxx

Condition upheld.  Provide a 1007 from the Appraiser that provided the $xxxxxx Appraisal being used.  - xx/xx/xxxx

Please refer page 20/ 40 - xx/xx/xxxx

 2026-04-06 16:02 Resolved 3 1 3 1
4000126824 xx/xx/xxxx xxxxx xxxxx TX Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9437152 3 of 3 xx/xx/xxxx Credit Audited DTI Exceeds Guideline DTI Audited DTI exceeds guideline DTI. Per the Final 1003, the Lender used rental income of $xxxxxx for xxxxxx; however, there is not any evidence in the loan file to support rental income. The Lender calculated the payment as $xxxxxx; however, the actual payment of $xxxxxx PITIA was added to the DTI. 

Rent Schedule & Report with rent - xx/xx/xxxx

 REO Calculation was provided and re-calculated.  Condition resolved. - xx/xx/xxxx

Audited DTI of 51.98% is less than or equal to Guideline DTI of 55% - xx/xx/xxxx

Rent Schedule & Report with rent - xx/xx/xxxx

 REO Calculation was provided and re-calculated.  Condition resolved. - xx/xx/xxxx

Audited DTI of 51.98% is less than or equal to Guideline DTI of 55% - xx/xx/xxxx

Rent Schedule & Report with rent - xx/xx/xxxx

 2026-06-08 18:47 Resolved 3 1 3 1
4000134373 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9750692 1 of 7 xx/xx/xxxx Compliance The Deed of Trust is Incomplete The Deed of Trust is incomplete. Pages 4-12 of the mortgage could not be found in the loan documents.



Received complete, executed DOT with all riders - xx/xx/xxxx

 Please see attached mortgage   - xx/xx/xxxx

 The Deed of Trust is present and complete - xx/xx/xxxx

Received complete, executed DOT with all riders - xx/xx/xxxx

Please see attached mortgage   - xx/xx/xxxx

 The Deed of Trust is present and complete - xx/xx/xxxx

Received complete, executed DOT with all riders - xx/xx/xxxx

Please see attached mortgage   - xx/xx/xxxx

 2026-06-17 13:59 Resolved 4 1 4 2
4000133131 xx/xx/xxxx xxxxx xxxxx SC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9886448 1 of 3 xx/xx/xxxx Credit Hazard Insurance Coverage is less than all Subject Lien(s) Hazard Insurance Coverage Amount of $xxxxxx is less than Total Amount of Subject Lien(s) of $xxxxxx Dwelling $xxxxxx, no other structure coverage. Replacement Cost Dwelling: No Extended Coverage 

RCE confirmation attached - xx/xx/xxxx

 RCE provided.  HOI Policy has more than sufficient coverage.  Condition resolved. - xx/xx/xxxx
Hazard Insurance Coverage Amount of $xxxxxx is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - xx/xx/xxxx
RCE confirmation attached - xx/xx/xxxx
 RCE provided.  HOI Policy has more than sufficient coverage.  Condition resolved. - xx/xx/xxxx
Hazard Insurance Coverage Amount of $xxxxxx is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - xx/xx/xxxx
RCE confirmation attached - xx/xx/xxxx
 2026-06-25 14:49 Resolved 3 1 1 1
4000127197 xx/xx/xxxx xxxxx xxxxx MN Second Home Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9217776 1 of 3 xx/xx/xxxx Credit Hazard Insurance Coverage Amount is less than Required Coverage Amount Coverage Amount - Hazard insurance amount is less than required coverage amount. Lender to provide a replacement cost estimator to verify adequate dwelling coverage for the subject property. 



rce - xx/xx/xxxx

 hoi and rebuttal - xx/xx/xxxx

 RCE provided.  HOI has sufficient coverage.  Condition resolved. - xx/xx/xxxx
Coverage Amount - Hazard Insurance of $xxxxxx is equal to or greater than Required Coverage Amount of $xxxxxx - xx/xx/xxxx
rce - xx/xx/xxxx
Condition upheld.  Provide the RCE from Insurance company.   - xx/xx/xxxx
hoi and rebuttal - xx/xx/xxxx
 RCE provided.  HOI has sufficient coverage.  Condition resolved. - xx/xx/xxxx
Coverage Amount - Hazard Insurance of $xxxxxx is equal to or greater than Required Coverage Amount of $xxxxxx - xx/xx/xxxx
rce - xx/xx/xxxx
Condition upheld.  Provide the RCE from Insurance company.   - xx/xx/xxxx
hoi and rebuttal - xx/xx/xxxx
 2026-06-11 15:31 Resolved 3 1 3 1
4000131703 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9872689 5 of 13 xx/xx/xxxx Credit Condo - HOA Budget Missing The loan file did not contain the HOA budget as required. Rescinded - used  the Condo - Warrantability condition which encompasses the condo budget -  The condo budget is missing.



Rate lock updated, The project is Non-Warrantable  - xx/xx/xxxx

 Not Required.  Condo is non-warrantable.  It was reviewed by xxxxxx and meets xxxxxx guidelines. The xxxxxx Lock was provided to show Non-Warrantable.  Condition resolved. - xx/xx/xxxx

Rate lock updated, The project is Non-Warrantable  - xx/xx/xxxx

 Not Required.  Condo is non-warrantable.  It was reviewed by xxxxxx and meets xxxxxx guidelines. The xxxxxx Lock was provided to show Non-Warrantable.  Condition resolved. - xx/xx/xxxx

Rate lock updated, The project is Non-Warrantable  - xx/xx/xxxx

 2026-06-26 13:39 Resolved 3 1 3 1
4000131703 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9874233 9 of 13 xx/xx/xxxx Property Condo - Warrantability  This condo project requires a full review. Per guidelines, the following documents are missing in the loan file: 1) Current Budget, 2) Recorded declarations/CC&R’s and by-laws, 3) Condominium Project Manager (CPM) Approval (for New Projects: must have been completed within 180 days prior to the note date). Condominium project is not warrantable, or documentation not provided to determine warrantability



Rate lock updated, The project is Non-Warrantable  - xx/xx/xxxx

 Condo is non-warrantable. It was reviewed by xxxxxx and meets xxxxxx guidelines. The xxxxxx Lock was provided to show Non-Warrantable. Condition resolved. - xx/xx/xxxx

Condo is non-warrantable.  It was reviewed by xxxxxx and meets xxxxxx guidelines. The xxxxxx Lock was provided to show Non-Warrantable.  Condition resolved. - xx/xx/xxxx

Rate lock updated, The project is Non-Warrantable  - xx/xx/xxxx

 Condo is non-warrantable. It was reviewed by xxxxxx and meets xxxxxx guidelines. The xxxxxx Lock was provided to show Non-Warrantable. Condition resolved. - xx/xx/xxxx

Condo is non-warrantable.  It was reviewed by xxxxxx and meets xxxxxx guidelines. The xxxxxx Lock was provided to show Non-Warrantable.  Condition resolved. - xx/xx/xxxx

Rate lock updated, The project is Non-Warrantable  - xx/xx/xxxx

 2026-06-26 14:04 Resolved 3 1 3 1
4000122438 xx/xx/xxxx xxxxx xxxxx OH Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8510778 3 of 3 xx/xx/xxxx Compliance Missing evidence of rate lock Missing evidence of Rate Lock. The loan file is missing the xxxxxx  Rate Lock. 



Rate Lock - xx/xx/xxxx

 Investor lock provided.  Condition resolved. - xx/xx/xxxx

Evidence of Rate Lock Provided - xx/xx/xxxx

Rate Lock - xx/xx/xxxx

 Investor lock provided.  Condition resolved. - xx/xx/xxxx

Evidence of Rate Lock Provided - xx/xx/xxxx

Rate Lock - xx/xx/xxxx

 2026-04-08 20:52 Resolved 3 1 3 1
4000125906 xx/xx/xxxx xxxxx xxxxx WA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9171988 4 of 4 xx/xx/xxxx Compliance Missing evidence of rate lock Missing evidence of Rate Lock. The loan file does contain a rate lock; the rate lock states the subject is an xxxxxx  30 Fixed DSCR Plus.: however, the Note reflects a 40-year Interest-Only Period Fixed Rate Note. Need updated rate lock. 



RATE LOCK - xx/xx/xxxx

 xxxxxx rate lock was provided.  Condition resolved. - xx/xx/xxxx

RATE LOCK - xx/xx/xxxx

 xxxxxx rate lock was provided.  Condition resolved. - xx/xx/xxxx

RATE LOCK - xx/xx/xxxx

 2026-05-20 13:41 Resolved 3 1 3 1
4000131672 xx/xx/xxxx xxxxx xxxxx CT Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9544415 3 of 3 xx/xx/xxxx Property Loan Purpose is Purchase but Purchase Contract Doc is Missing Loan purpose is purchase and valuation type of purchase contract has not been selected. The loan file is missing all the pages of the purchase contract. 



Purchase Contract was provided.  Condition resolved. - xx/xx/xxxx

 see attached  - xx/xx/xxxx

 Purchase Contract was provided. Condition resolved - xx/xx/xxxx

Purchase Contract was provided.  Condition resolved. - xx/xx/xxxx

see attached  - xx/xx/xxxx

 Purchase Contract was provided. Condition resolved - xx/xx/xxxx

Purchase Contract was provided.  Condition resolved. - xx/xx/xxxx

see attached  - xx/xx/xxxx

 2026-06-08 15:00 Resolved 3 1 3 1
4000117567 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8276580 2 of 4 xx/xx/xxxx Credit Purchase Contract - Missing The loan file did not contain the Purchase Contract as required. Missing evidence of Original fully executed Purchase Agreement. File contains "SELLER'S RESIDENTIAL RIDER".
 



 purchase agreement already uploaded - xx/xx/xxxx

 Purchase Contract provided.  Condition resolved. - xx/xx/xxxx

purchase agreement already uploaded - xx/xx/xxxx

 Purchase Contract provided.  Condition resolved. - xx/xx/xxxx

purchase agreement already uploaded - xx/xx/xxxx

 2026-03-27 02:26 Resolved 3 1 3 1
4000117567 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8276527 1 of 4 xx/xx/xxxx Property Loan Purpose is Purchase but Purchase Contract Doc is Missing Loan purpose is purchase and valuation type of purchase contract has not been selected.

purchase agreement - xx/xx/xxxx

 Purchase Contract provided.  Condition resolved. - xx/xx/xxxx

Purchase Contract Doc is not Missing, or is Not Applicable. - xx/xx/xxxx

purchase agreement - xx/xx/xxxx

 Purchase Contract provided.  Condition resolved. - xx/xx/xxxx

Purchase Contract Doc is not Missing, or is Not Applicable. - xx/xx/xxxx

purchase agreement - xx/xx/xxxx

 2026-04-13 17:00 Resolved 3 1 3 1
4000123490 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8709581 1 of 3 xx/xx/xxxx Property Loan Purpose is Purchase but Purchase Contract Doc is Missing Loan purpose is purchase and valuation type of purchase contract has not been selected. Lender to provide the fully executed sales contract and all addendums.



Purchase Agreement - xx/xx/xxxx

 Purchase Contract provided.  Condition resolved. - xx/xx/xxxx

Purchase Contract Doc is not Missing, or is Not Applicable. - xx/xx/xxxx

Purchase Agreement - xx/xx/xxxx

 Purchase Contract provided.  Condition resolved. - xx/xx/xxxx

Purchase Contract Doc is not Missing, or is Not Applicable. - xx/xx/xxxx

Purchase Agreement - xx/xx/xxxx

 2026-04-20 18:37 Resolved 3 1 3 1
4000132619 xx/xx/xxxx xxxxx xxxxx IL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9593055 2 of 5 xx/xx/xxxx Credit Missing Property Tax Cert Missing property tax cert. The property tax estimate for the subject NOO purchase is missing. The tax rate used by the lender vs online search has an annual variance of about $xxxxxx, with th internet search for xxxxxx & xxxxxx about $xxxxxx/yr. Lender used $xxxxxx.yr. Current homestead tax is $xxxxxx using a $xxxxxx homestead reduction with fair cash value of $xxxxxx.

Processor Cert with direct confirmation from county tax assistant that unexempt tax amount is $xxxxxx. - xx/xx/xxxx
 Amount used by Lender matches the escrow amount on the Final CD.  Condition resolved. - xx/xx/xxxx
property tax cert provided - xx/xx/xxxx
Processor Cert with direct confirmation from county tax assistant that unexempt tax amount is xxxxxx. - xx/xx/xxxx
 Amount used by Lender matches the escrow amount on the Final CD.  Condition resolved. - xx/xx/xxxx
property tax cert provided - xx/xx/xxxx
Processor Cert with direct confirmation from county tax assistant that unexempt tax amount is $xxxxxx. - xx/xx/xxxx
 2026-06-11 14:32 Resolved 3 1 3 1
4000123439 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8821474 1 of 5 xx/xx/xxxx Credit Title Document Missing Title document is missing.

prelim - xx/xx/xxxx

 Prelim Title was provided.  Condition resolved. - xx/xx/xxxx

Title document is fully present - xx/xx/xxxx

prelim - xx/xx/xxxx

 Prelim Title was provided.  Condition resolved. - xx/xx/xxxx

Title document is fully present - xx/xx/xxxx

prelim - xx/xx/xxxx

 2026-04-27 13:40 Resolved 3 1 3 1
4000128940 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9700555 2 of 4 xx/xx/xxxx Credit Title Document Missing Title document is missing. Lender to provide Title document missing. from the loan file.



Prelim - xx/xx/xxxx

 Updated prelim datedxx/xx/xxxx was provided.  Condition resolved. - xx/xx/xxxx

Title document is fully present - xx/xx/xxxx

Prelim - xx/xx/xxxx

 Updated prelim datedxx/xx/xxxx was provided.  Condition resolved. - xx/xx/xxxx

Title document is fully present - xx/xx/xxxx

Prelim - xx/xx/xxxx

 2026-06-16 19:51 Resolved 3 1 3 1
4000128888 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9314593 1 of 4 xx/xx/xxxx Credit Assets - LOE Missing The loan file does not contain all required asset documentation. The required letter of explanation was not provided in the loan file.
The xxxxxxVerification of Deposit dated xx/xx/xxxx shows Asset 1 to have a current balance of $xxxxxx vs. an average balance of $xxxxxx.  Please provide a letter of explanation regarding the considerable increase of $xxxxxx in funds.
 

 Please see the detail behind the increase in the account  - xx/xx/xxxx

 Nowhere in guidelines is the LOE requirement stated - xx/xx/xxxx

 BofA account showing CD cashed in has been provided, condition resolved.  - xx/xx/xxxx

Please see the detail behind the increase in the account  - xx/xx/xxxx

Condition upheld:  DSCR large deposits should be in line and consistent with the borrower’s overall credit profile and may require a letter of explanation.  Borrower lives rent free, only has 2 open and active tradelines, average balance is $xxxxxx for almost two years, and current balance is $xxxxxx. large deposit is not in line with credit profile. - xx/xx/xxxx

Nowhere in guidelines is the LOE requirement stated - xx/xx/xxxx

 BofA account showing CD cashed in has been provided, condition resolved.  - xx/xx/xxxx

Please see the detail behind the increase in the account  - xx/xx/xxxx

Condition upheld:  DSCR large deposits should be in line and consistent with the borrower’s overall credit profile and may require a letter of explanation.  Borrower lives rent free, only has 2 open and active tradelines, average balance is $xxxxxx for almost two years, and current balance is $xxxxxx. large deposit is not in line with credit profile. - xx/xx/xxxx

Nowhere in guidelines is the LOE requirement stated - xx/xx/xxxx

 2026-07-08 20:17 Resolved 3 1 3 1
4000128116 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9339087 1 of 4 xx/xx/xxxx Credit Title Commitment - Other There are additional findings regarding the title commitment. The Subject Property's Address City is shown as "xxxxxx," across the Note, Deed, & Appraisal. However, the Subject Property's Address City listed on the Preliminary Title is "xxxxxx, (xxxxxx ). The variance should be remedied.

Please see the attached updated title showing city as xxxxxx.  An aka is listed for xxxxxx on the Security Instrument. - xx/xx/xxxx

 Corrected Title was provided.  Condition resolved. - xx/xx/xxxx

Please see the attached updated title showing city as xxxxxx.  An aka is listed for xxxxxx on the Security Instrument. - xx/xx/xxxx

 Corrected Title was provided.  Condition resolved. - xx/xx/xxxx

Please see the attached updated title showing city as xxxxxx.  An aka is listed for xxxxxx on the Security Instrument. - xx/xx/xxxx

 2026-06-04 21:01 Resolved 2 1 3 1
4000131660 xx/xx/xxxx xxxxx xxxxx TX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9382819 3 of 3 xx/xx/xxxx Credit Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Per lender guidelines, 7.2 Housing History v8.9 reflects "Private Party VORs / VOMs may be considered on a case-by-case basis and will require an investor exception approval."



please see proof of payments supporting VOM attached.  - xx/xx/xxxx

 I believe you are referencing guidelines from v8.3, which has been updated per xx/xx/xxxxer program guidelines, section 7.2: Housing History v8.9 — additional documents to support timely payments are only required when the VOM reflects a past due status. The VOM for the subject property does not reflect a past due status and the account is current. The requirement for additional documentation is therefore not applicable and we are respectfully requesting this condition be waived. - xx/xx/xxxx

 Would we be able to request an exception regarding to satisfy this condition?  - xx/xx/xxxx

 Evidence of Rent payments to support private VOR were provided.  Condition resolved. - xx/xx/xxxx

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - xx/xx/xxxx

please see proof of payments supporting VOM attached.  - xx/xx/xxxx

When the subject property has a private party mortgage xx/xx/xxxxindividual, private lender, hard money lender), the following documentation is also required: Borrower's proof of payment for the most recent 6-months xx/xx/xxxxCancelled checks, bank statements, ACH payments, bank transfer/wire, electronic payment method - xx/xx/xxxx

I believe you are referencing guidelines from v8.3, which has been updated per xx/xx/xxxxer program guidelines, section 7.2: Housing History v8.9 — additional documents to support timely payments are only required when the VOM reflects a past due status. The VOM for the subject property does not reflect a past due status and the account is current. The requirement for additional documentation is therefore not applicable and we are respectfully requesting this condition be waived. - xx/xx/xxxx

Would we be able to request an exception regarding to satisfy this condition?  - xx/xx/xxxx

 Evidence of Rent payments to support private VOR were provided.  Condition resolved. - xx/xx/xxxx

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - xx/xx/xxxx

please see proof of payments supporting VOM attached.  - xx/xx/xxxx

When the subject property has a private party mortgage xx/xx/xxxxindividual, private lender, hard money lender), the following documentation is also required: Borrower's proof of payment for the most recent 6-months xx/xx/xxxxCancelled checks, bank statements, ACH payments, bank transfer/wire, electronic payment method - xx/xx/xxxx

I believe you are referencing guidelines from v8.3, which has been updated per xx/xx/xxxxer program guidelines, section 7.2: Housing History v8.9 — additional documents to support timely payments are only required when the VOM reflects a past due status. The VOM for the subject property does not reflect a past due status and the account is current. The requirement for additional documentation is therefore not applicable and we are respectfully requesting this condition be waived. - xx/xx/xxxx

Would we be able to request an exception regarding to satisfy this condition?  - xx/xx/xxxx

 2026-06-09 14:35 Resolved 3 1 3 1
4000132110 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9663621 2 of 5 xx/xx/xxxx Credit Cash reserves less than required by guidelines Total Cash reserves of '$-xxxxxx' are less than $xxxxxx. Lender to provide most recent asset statement.

Please see HCB Account balance attached.  - xx/xx/xxxx

 xxxxxx Bank Balance print-out was provided, and  EMD was verified.  Condition resolved. - xx/xx/xxxx
Total Cash reserves are greater than $xxxxxx. - xx/xx/xxxx
Please see HCB Account balance attached.  - xx/xx/xxxx
 xxxxxx Bank Balance print-out was provided, and  EMD was verified.  Condition resolved. - xx/xx/xxxx
Total Cash reserves are greater than $xxxxxx. - xx/xx/xxxx
Please see HCB Account balance attached.  - xx/xx/xxxx
 2026-06-12 17:45 Resolved 3 1 4 1
4000132110 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9663622 3 of 5 xx/xx/xxxx Credit Assets - Insufficient Cash to Close or Reserves Liquid Funds Post-Close of '$-xxxxxx', are less than $0. Lender to provide most recent asset statement.

Please see HCB account balance attached.  - xx/xx/xxxx

 xxxxxx Bank Balance print-out was provided, and  EMD was verified.  Condition resolved. - xx/xx/xxxx

Liquid Funds Post-Close are greater than or equal to $0. - xx/xx/xxxx

Liquid Funds Post-Close are greater than or equal to $0. Borrower(s) total verified assets are insufficient for cash to close or reserves. - xx/xx/xxxx

Please see HCB account balance attached.  - xx/xx/xxxx

 xxxxxx Bank Balance print-out was provided, and  EMD was verified.  Condition resolved. - xx/xx/xxxx

Liquid Funds Post-Close are greater than or equal to $0. - xx/xx/xxxx

Liquid Funds Post-Close are greater than or equal to $0. Borrower(s) total verified assets are insufficient for cash to close or reserves. - xx/xx/xxxx

Please see HCB account balance attached.  - xx/xx/xxxx

 2026-06-12 17:45 Resolved 3 1 4 1
4000129360 xx/xx/xxxx xxxxx xxxxx AZ Second Home Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9140691 2 of 3 xx/xx/xxxx Credit Credit Documentation - Letter of Explanation The loan file did not contain a letter of explanation as required. Per the final 1003, the borrower does not have a housing expense, but per the verification of rent, there is a housing expense of $xxxxxx Also the borrower's principal residence is in xxxxxx, but the borrower's employer is in xxxxxx. Finally, the annual base salary provided reflects $xxxxxx xxxxxx, but the monthly income is $xxxxxx xxxxxx. Please provide a letter of explanation addressing the three issue above. Additional conditions may apply. 



please see comments and attachments to clear this one

1. Housing expense: I believe we needed a US address for investor guidelines, xxxxxx is her stepdad's house where she receives mail and would stay while in xxxxxx, she did not pay rent there, so we listed the address as rent free. I think there was a letter provided stating that, if not, and you need it let me know and I can send that to you. Then the bank statements showed rent payments or maybe the UW wanted present housing expense, so we obtained the VOR for the property she lives at in xxxxxx . ****The DTI would still be within guidelines if we included the $xxxxxx per month in liabilities
2. The principal residence issue matches the explanation aboxx/xx/xxxxith the rent free letter and the VOR, this should explain that she works/lives in xxxxxx and when she is in the states she lives rent free currently.  The subject property is showing as a second home.
3. It looks like the income discrepancy is because we have two different letters from the employer, one stating a monthly salary amount of $xxxxxx and an annual salary of $xxxxxx. A xxxxxx had the pay stubs interpreted, and I do not have those findings to know if they match up to one of these amounts.      The translation of the paystub is in doc manager and it does look to match the income that is being used to qualify.  There is also a WVOE through the work number that is in English.

 - xx/xx/xxxx
 Letter of Explanation from Borrower was provided.  Condition resolved. - xx/xx/xxxx

please see comments and attachments to clear this one



1. Housing expense: I believe we needed a US address for investor guidelines, xxxxxx is her stepdad's house where she receives mail and would stay while in xxxxxx, she did not pay rent there, so we listed the address as rent free. I think there was a letter provided stating that, if not, and you need it let me know and I can send that to you. Then the bank statements showed rent payments or maybe the UW wanted present housing expense, so we obtained the VOR for the property she lives at in xxxxxx City. ****The DTI would still be within guidelines if we included the $xxxxxx per month in liabilities

2. The principal residence issue matches the explanation aboxx/xx/xxxxith the rent free letter and the VOR, this should explain that she works/lives in xxxxxx and when she is in the states she lives rent free currently.  The subject property is showing as a second home.

3. It looks like the income discrepancy is because we have two different letters from the employer, one stating a monthly salary amount of $xxxxxx and an annual salary of $xxxxxx. A xxxxxx had the pay stubs interpreted, and I do not have those findings to know if they match up to one of these amounts.      The translation of the paystub is in doc manager and it does look to match the income that is being used to qualify.  There is also a WVOE through the work number that is in English.



 - xx/xx/xxxx

 Letter of Explanation from Borrower was provided.  Condition resolved. - xx/xx/xxxx

please see comments and attachments to clear this one



1. Housing expense: I believe we needed a US address for investor guidelines, xxxxxx is her stepdad's house where she receives mail and would stay while in xxxxxx, she did not pay rent there, so we listed the address as rent free. I think there was a letter provided stating that, if not, and you need it let me know and I can send that to you. Then the bank statements showed rent payments or maybe the UW wanted present housing expense, so we obtained the VOR for the property she lives at in xxxxxx City. ****The DTI would still be within guidelines if we included the $xxxxxx per month in liabilities

2. The principal residence issue matches the explanation aboxx/xx/xxxxith the rent free letter and the VOR, this should explain that she works/lives in xxxxxx and when she is in the states she lives rent free currently.  The subject property is showing as a second home.

3. It looks like the income discrepancy is because we have two different letters from the employer, one stating a monthly salary amount of $xxxxxx and an annual salary of $xxxxxx. A xxxxxx had the pay stubs interpreted, and I do not have those findings to know if they match up to one of these amounts.      The translation of the paystub is in doc manager and it does look to match the income that is being used to qualify.  There is also a WVOE through the work number that is in English.



 - xx/xx/xxxx

 2026-06-09 20:06 Resolved 3 1 3 1
4000129120 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9479785 3 of 4 xx/xx/xxxx Property Missing Doc - 3rd Party Valuation Product/Missing The loan file did not contain the required 3rd party valuation product. Please provide the 3rd party valuation product that supports the appraised value



Please see CDA for secondary valuation attached - xx/xx/xxxx

 CDA Supporting value was provided.  Condition resolved. - xx/xx/xxxx

Please see CDA for secondary valuation attached - xx/xx/xxxx

 CDA Supporting value was provided.  Condition resolved. - xx/xx/xxxx

Please see CDA for secondary valuation attached - xx/xx/xxxx

 2026-06-17 16:18 Resolved 3 1 3 1
4000102512 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 6421940 3 of 5 xx/xx/xxxx Credit Hazard Insurance Coverage Amount is less than Required Coverage Amount Coverage Amount - Hazard insurance amount is less than required coverage amount.

Please see attached with sufficient coverage. Minimum dwelling coverage is $xxxxxx. - xx/xx/xxxx
 Coverage Amount - Hazard Insurance of $xxxxxx is equal to or greater than Required Coverage Amount of $xxxxxx - xx/xx/xxxx
Please see attached with sufficient coverage. Minimum dwelling coverage is $xxxxxx. - xx/xx/xxxx
 Coverage Amount - Hazard Insurance of $xxxxxx is equal to or greater than Required Coverage Amount of $xxxxxx - xx/xx/xxxx

Please see attached with sufficient coverage. Minimum dwelling coverage is $xxxxxx. - xx/xx/xxxx

 2025-12-09 16:11 Resolved 3 1 4 1
4000136078 xx/xx/xxxx xxxxx xxxxx KS Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10074831 1 of 7 xx/xx/xxxx Credit Purchase Contract - Addendum Missing The Purchase Contract Addendum is missing. 1) Seller's Disclosure Statement of Condition Addendum is missng in the loan file. 2) There is a $xxxxxx seller credit on the HUD's that is not reflected in the sales contract. The sales contract addendum supporting the $xxxxxx seller credit is missing in the loan file. 

Please see attached the requested addendum  - xx/xx/xxxx

 Contract Addendum provided.  Condition resolved. - xx/xx/xxxx

Please see attached the requested addendum  - xx/xx/xxxx

 Contract Addendum provided.  Condition resolved. - xx/xx/xxxx

Please see attached the requested addendum  - xx/xx/xxxx

 2026-07-16 15:56 Resolved 2 1 3 1
4000128701 xx/xx/xxxx xxxxx xxxxx TX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9331346 3 of 3 xx/xx/xxxx Property Missing Doc - 3rd Party Valuation Product/Missing The loan file did not contain the required 3rd party valuation product. Please provide a valid third party valuation review product that supports the appraised value



Please see attached SSR from file for the first condition. (Score of less than xxxxxx is acceptable) - xx/xx/xxxx

 CU with a score of 2.2 was provided.  Condition resolved. - xx/xx/xxxx

Please see attached SSR from file for the first condition. (Score of less than xxxxxx is acceptable) - xx/xx/xxxx

 CU with a score of 2.2 was provided.  Condition resolved. - xx/xx/xxxx

Please see attached SSR from file for the first condition. (Score of less than xxxxxx is acceptable) - xx/xx/xxxx

 2026-06-07 19:35 Resolved 3 1 3 1
4000134373 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9753646 3 of 7 xx/xx/xxxx Compliance Missing evidence of rate lock Missing evidence of Rate Lock. The lock in the loan file reflects a loan amount of $xxxxxx and should be $xxxxxx. The updated xxxxxx lock could not be found in the loan documents.

Please see attached rate lock change request. - xx/xx/xxxx

 Corrected xxxxxx lock was provided.  Condition resolved. - xx/xx/xxxx

Please see attached rate lock change request. - xx/xx/xxxx

 Corrected xxxxxx lock was provided.  Condition resolved. - xx/xx/xxxx

Please see attached rate lock change request. - xx/xx/xxxx

 2026-06-17 19:02 Resolved 3 1 4 2
4000134373 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9753487 2 of 7 xx/xx/xxxx Compliance The Note is Incomplete The Note is incomplete. Pages 2-4 of the Note could not be found in the loan documents.



Please see attached Note - xx/xx/xxxx

 Received completed, signed note - xx/xx/xxxx

Please see attached Note - xx/xx/xxxx

 Received completed, signed note - xx/xx/xxxx

Please see attached Note - xx/xx/xxxx

 2026-06-17 13:42 Resolved 4 1 4 2
4000124728 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9183198 4 of 4 xx/xx/xxxx Credit Program Parameters - Loan Purpose The subject loan does not meet program parameters for loan purpose. The subject transaction does not meet guidelines. The loan file contained a rate lock which reflects the refinance purpose was for Limited cash out. The title reflects there is a 1st mortgage for $xxxxxx dated xx/xx/xxxx and a second non-purchase mortgage for $xxxxxx dated xx/xx/xxxx. The Final Closing Disclosure reflects both mortgages are being paid off. Due to the 2nd mortgage not being purchase money mortgage, the subject refinance purpose changes to cash out. Per the lender guidelines, Section 9.9 - Cash-Out is for Business Purposes only and the borrower must provide an LOE detailing the purpose and use of the proceeds. While maintaining the property is an acceptable use for cashout proceeds, major renovations, rehabs, etc. are not permitted on subject property that could deem the property uninhabitable. In addition, there wasn't an LOE in the loan file for the use of cash out. 

Please see attached lender cert. - xx/xx/xxxx

 Underwriter response - xx/xx/xxxx

 Will an LOE from the borrower be sufficient to clear this condition? - xx/xx/xxxx

 Per Guidelinexx/xx/xxxx  A Rate / Term Refinance transaction is when the new loan amount is limited to the payoff of a present mortgage for the purpose of changing the interest rate and/or term of mortgage only with no additional cash or advancing of new money on the loan unless it is below the limited Cash-Out amount.
The seasoned non-first lien mortgage is (1) a purchase money mortgage or (2) a closed end mortgage or (3) a HELOC mortgage not having any draws greater than $5,000 in the past twelve (12) months
Condition resolved. - xx/xx/xxxx

Please see attached lender cert. - xx/xx/xxxx

Condition upheld.  Per Guidelines and FNMA, the second that was paid off was a non-purchase money second so it's not R/T. Loan is considered Cash-Out.  - xx/xx/xxxx

Underwriter response - xx/xx/xxxx

Condition upheld. Provide the LOE for use of cash-out, as well as an updated xxxxxx lock confirmation showing subject loan as a Cash-Out refinance, due to paying off a non-purchase money 2nd lien. - xx/xx/xxxx

Will an LOE from the borrower be sufficient to clear this condition? - xx/xx/xxxx

 Per Guidelinexx/xx/xxxx  A Rate / Term Refinance transaction is when the new loan amount is limited to the payoff of a present mortgage for the purpose of changing the interest rate and/or term of mortgage only with no additional cash or advancing of new money on the loan unless it is below the limited Cash-Out amount.
The seasoned non-first lien mortgage is (1) a purchase money mortgage or (2) a closed end mortgage or (3) a HELOC mortgage not having any draws greater than $5,000 in the past twelve (12) months
Condition resolved. - xx/xx/xxxx

Please see attached lender cert. - xx/xx/xxxx

Condition upheld.  Per Guidelines and FNMA, the second that was paid off was a non-purchase money second so it's not R/T. Loan is considered Cash-Out.  - xx/xx/xxxx

Underwriter response - xx/xx/xxxx

Condition upheld. Provide the LOE for use of cash-out, as well as an updated xxxxxx lock confirmation showing subject loan as a Cash-Out refinance, due to paying off a non-purchase money 2nd lien. - xx/xx/xxxx

Will an LOE from the borrower be sufficient to clear this condition? - xx/xx/xxxx

 2026-05-27 19:46 Resolved 3 1 3 1
4000110203 xxxxx xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 7357199 2 of 5 xx/xx/xxxx Credit Assets - Insufficient Cash to Close or Reserves Liquid Funds Post-Close of '$-xxxxxx', are less than $0. The borrower is required to have 6 months reserves for $xxxxxx; however, the borrower is short to close a total of $xxxxxx.  Condition upheld.  The Settlement Statement provided for the refinance of xxxxxx shows it disbursed after the subject loan closed, and there is no transfer of funds on the Final CD for the subject loan.  Provide evidence of funds to close/reserves the subject loan. Condition stands. Borrower is short funds to close/reserves.  The Settlement Statement provided for the refinance of xxxxxx shows it disbursed after the subject loan closed, and there is no transfer of funds on the Final CD for the subject loan. Provide evidence of funds to close/reserves the subject loan.



Please see attached for condition review and clear loan for purchase. Thank you - xx/xx/xxxx

 please send the final closing statement to support the wire transfer - xx/xx/xxxx

 Liquid Funds Post-Close are greater than or equal to $0. - xx/xx/xxxx

Liquid Funds Post-Close are greater than or equal to $0. Borrower(s) total verified assets are insufficient for cash to close or reserves. - xx/xx/xxxx

Please see attached for condition review and clear loan for purchase. Thank you - xx/xx/xxxx

Condition upheld. The Settlement Statement provided for the refinance of xxxxxx shows it disbursed after the subject loan closed, and there is no transfer of funds on the Final CD for the subject loan. Provide evidence of funds to close/reserves the subject loan. - xx/xx/xxxx

please send the final closing statement to support the wire transfer - xx/xx/xxxx

 Liquid Funds Post-Close are greater than or equal to $0. - xx/xx/xxxx

Liquid Funds Post-Close are greater than or equal to $0. Borrower(s) total verified assets are insufficient for cash to close or reserves. - xx/xx/xxxx

Please see attached for condition review and clear loan for purchase. Thank you - xx/xx/xxxx

Condition upheld. The Settlement Statement provided for the refinance of xxxxxx shows it disbursed after the subject loan closed, and there is no transfer of funds on the Final CD for the subject loan. Provide evidence of funds to close/reserves the subject loan. - xx/xx/xxxx

please send the final closing statement to support the wire transfer - xx/xx/xxxx

 2026-02-20 19:16 Resolved 3 1 3 1
4000128738 xx/xx/xxxx xxxxx xxxxx TX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9348318 4 of 4 xx/xx/xxxx Credit Excessive Cash-Out on a Limited Cash-Out Refinance Borrower cash back at closing exceeded program limitation for a limited cash-out refinance transaction. Final HUD/CD reflects cash to borrower of $xxxxxx versus maximum permitted per guidelines as the lesser of $5,000 or 2% of the principal amount of the new mortgage.
Please see attached confirmation from Title of the corrected HUD that was utilized. Matching with the previously provided updated HUD, showing only $xxxxxx received at closing. Condition should not apply.   - xx/xx/xxxx
 Document Uploaded. Condition upheld.  See the two attached Settlement Statements signed by the Borrower and Title Agent onxx/xx/xxxx that show Borrower received $xxxxxx at closing.  The Borrower signed both of the attached Settlement Statements, therefore the loan is considered a Cash-Out. - xx/xx/xxxx
 HUD only shows xxxxxx cash back, and we are unsure where you are seeing a xxxxxx number.  Including the unsigned/unscanned original version and the signed final version again. showing the Attached the original unsigned and the signed version again. - xx/xx/xxxx
 3. Corrected HUD from the file indicates cash to borrower falls within the eligible range of a Limited Cash-Out Refinance. - xx/xx/xxxx
 PCCD was provided showing cash to Borrower is below the 2% or $5,000.  Condition resolved. - xx/xx/xxxx
Please see attached confirmation from Title of the corrected HUD that was utilized. Matching with the previously provided updated HUD, showing only $xxxxxx received at closing. Condition should not apply.   - xx/xx/xxxx
Document Uploaded. Condition upheld. See the two attached Settlement Statements signed by the Borrower and Title Agent onxx/xx/xxxx that show Borrower received $xxxxxx at closing. The Borrower signed both of the attached Settlement Statements, therefore the loan is considered a Cash-Out.  Provide corrected lock, or evidence pay-off increased by $xxxxxx and Borrower returned $xxxxxx to Title.  - xx/xx/xxxx
Document Uploaded. Condition upheld.  See the two attached Settlement Statements signed by the Borrower and Title Agent onxx/xx/xxxx that show Borrower received $xxxxxx at closing.  The Borrower signed both of the attached Settlement Statements, therefore the loan is considered a Cash-Out. - xx/xx/xxxx
HUD only shows xxxxxx cash back, and we are unsure where you are seeing a xxxxxx number.  Including the unsigned/unscanned original version and the signed final version again. showing the Attached the original unsigned and the signed version again. - xx/xx/xxxx
Condition upheld. Provide correct executed PCCD from Title. - xx/xx/xxxx
3. Corrected HUD from the file indicates cash to borrower falls within the eligible range of a Limited Cash-Out Refinance. - xx/xx/xxxx
 PCCD was provided showing cash to Borrower is below the 2% or $5,000.  Condition resolved. - xx/xx/xxxx
Please see attached confirmation from Title of the corrected HUD that was utilized. Matching with the previously provided updated HUD, showing only $xxxxxx received at closing. Condition should not apply.   - xx/xx/xxxx
Document Uploaded. Condition upheld. See the two attached Settlement Statements signed by the Borrower and Title Agent onxx/xx/xxxx that show Borrower received $xxxxxx at closing. The Borrower signed both of the attached Settlement Statements, therefore the loan is considered a Cash-Out.  Provide corrected lock, or evidence pay-off increased by $xxxxxx and Borrower returned $xxxxxx to Title.  - xx/xx/xxxx
Document Uploaded. Condition upheld.  See the two attached Settlement Statements signed by the Borrower and Title Agent onxx/xx/xxxx that show Borrower received $xxxxxx at closing.  The Borrower signed both of the attached Settlement Statements, therefore the loan is considered a Cash-Out. - xx/xx/xxxx
HUD only shows xxxxxx cash back, and we are unsure where you are seeing a xxxxxx number.  Including the unsigned/unscanned original version and the signed final version again. showing the Attached the original unsigned and the signed version again. - xx/xx/xxxx
Condition upheld. Provide correct executed PCCD from Title. - xx/xx/xxxx
3. Corrected HUD from the file indicates cash to borrower falls within the eligible range of a Limited Cash-Out Refinance. - xx/xx/xxxx
 2026-06-24 20:23 Resolved 3 1 3 1
4000126981 xx/xx/xxxx xxxxx xxxxx MT Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9113778 3 of 3 xx/xx/xxxx Property Missing Doc - Updated Completion Report (442/1004D) Missing The loan file did not contain the updated completion report (442/1004D) as required. Per the lender's guidelines, vacant properties not eligible for Refinance with exception of properties currently vacant due to the subject property having undergone recent renovation or rehab, with the intention of being rented out soon.  Support of this must be provided via the appraiser confirming recent work completed and providing visual evidence.  The loan file does not contain a letter of explanation from the borrower or evidence on the appraisal explaining the reason for vacancy.  



Please see attached  - xx/xx/xxxx

 Completion Cert was provided stating all work has been completed.  Condition resolved. - xx/xx/xxxx

Please see attached  - xx/xx/xxxx

 Completion Cert was provided stating all work has been completed.  Condition resolved. - xx/xx/xxxx

Please see attached  - xx/xx/xxxx

 2026-06-18 17:26 Resolved 3 1 3 1
4000129986 xx/xx/xxxx xxxxx xxxxx VA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9434427 4 of 5 xx/xx/xxxx Credit Liabilities - Not Verified The application lists debts that were not verified on the credit report and not independently verified. The final loan application has 2 additional debts that are not on the credit report. Provide the statements for the xxxxxx debt with payment of $xxxxxx and balance of $xxxxxx and xxxxxx with a payment of $xxxxxx and balance of $xxxxxx debts on the final loan application.

Please see attached  - xx/xx/xxxx

 LOE and evidence of debt was provided.  Condition resolved. - xx/xx/xxxx

Please see attached  - xx/xx/xxxx

 LOE and evidence of debt was provided.  Condition resolved. - xx/xx/xxxx

Please see attached  - xx/xx/xxxx

 2026-06-05 13:16 Resolved 3 1 4 1
4000132440 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9700517 3 of 6 xx/xx/xxxx Credit Missing VVOE dated within 10 days consummation The loan was approved using P&L income from 2 businesses. Per guidelines, Verification of business existence and that the business is fully operational / active required within ten (10) calendar days of closing is required. This documentation is missing from the loan file. 

please see attached  - xx/xx/xxxx

 VVOE was provided.  Condition resolved. - xx/xx/xxxx

please see attached  - xx/xx/xxxx

 VVOE was provided.  Condition resolved. - xx/xx/xxxx

please see attached  - xx/xx/xxxx

 2026-06-15 13:18 Resolved 3 1 4 1
4000131963 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9723136 2 of 6 xx/xx/xxxx Credit Program Parameters - Borrower/Business Entity Ineligibility The subject transaction is DSCR. Per the xxxxxx Guides DSCR section 9, subsection 9.5, A Letter of Explanation (LOE) by the Borrower / Guarantor detailing relevant real estate experience is required and it is missing in the loan file. 

please see attached  - xx/xx/xxxx

 LOE from Borrower provided.  Condition resolved. - xx/xx/xxxx

please see attached  - xx/xx/xxxx

 LOE from Borrower provided.  Condition resolved. - xx/xx/xxxx

please see attached  - xx/xx/xxxx

 2026-06-18 15:07 Resolved 3 1 3 1
4000130321 xx/xx/xxxx xxxxx xxxxx AZ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9790790 1 of 3 xx/xx/xxxx Property Property Type does not meet eligibility requirement(s) The subject is established as an ATTACHED PUD completed on a 1004 URAR and fits the profile for PUD per FNMA's definition, however, the Master HOA policy shows this is a condominium community, and the policy is Walls-In, including betterments & Improvements. Lender to provide clarification, as per quick internet search the community is ascribed to as a CONDO community. 

Please see attached  - xx/xx/xxxx

 Property is in a PUD, condition resolved.  - xx/xx/xxxx

Please see attached  - xx/xx/xxxx

 Property is in a PUD, condition resolved.  - xx/xx/xxxx

Please see attached  - xx/xx/xxxx

 2026-06-19 16:19 Resolved 3 1 4 1
4000131447 xx/xx/xxxx xxxxx xxxxx TX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9655221 3 of 3 xx/xx/xxxx Compliance PUD Rider is Missing PUD Rider is missing. Appraisal indicates subject is a PUD with fees.



please review the appraisal provided, this is NOT a PUD it was an error.  Please see title.  Property is NOT a PUD.  - xx/xx/xxxx

 This is not a PUD, thank you  - xx/xx/xxxx

 The PUD Rider is Present or is not applicable (Property Type is Single Family Detached) - xx/xx/xxxx

Propety is not a PUD - xx/xx/xxxx

please review the appraisal provided, this is NOT a PUD it was an error.  Please see title.  Property is NOT a PUD.  - xx/xx/xxxx

Appraisal was uploaded.  This is citing for missing PUD rider - xx/xx/xxxx

This is not a PUD, thank you  - xx/xx/xxxx

 The PUD Rider is Present or is not applicable (Property Type is Single Family Detached) - xx/xx/xxxx

Propety is not a PUD - xx/xx/xxxx

please review the appraisal provided, this is NOT a PUD it was an error.  Please see title.  Property is NOT a PUD.  - xx/xx/xxxx

Appraisal was uploaded.  This is citing for missing PUD rider - xx/xx/xxxx

This is not a PUD, thank you  - xx/xx/xxxx

 2026-06-15 14:14 Resolved 3 1 3 1
4000110203 xxxxx xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 7359316 5 of 5 xx/xx/xxxx Credit Audited Reserves are less than Guideline Required Reserves (Number of Months) Audited reserves months are less than the guideline required reserve months. The Borrower was required to bring $xxxxxx to closing plus have 6 months reserves of $xxxxxx. The total funds in the loan file is $xxxxxx which leaves us short to close $xxxxxx. The file doesnt contain a receipt for a wire transfer of $xxxxxx; however, there isnt any documentation where the funds came from.  Condition upheld.  The Settlement Statement provided for the refinance of xxxxxx shows it disbursed after the subject loan closed, and there is no transfer of funds on the Final CD for the subject loan.  Provide evidence of funds to close/reserves the subject loan. Condition stands. Borrower is short funds to close/reserves.  The Settlement Statement provided for the refinance of xxxxxx shows it disbursed after the subject loan closed, and there is no transfer of funds on the Final CD for the subject loan. Provide evidence of funds to close/reserves the subject loan.







please review documents uploaded to 1st condition - xx/xx/xxxx

 settlement statement provided with 1st condition, please review - xx/xx/xxxx

 Audited Reserves of  month(s) are greater than or equal to Guideline Required Reserves of  month(s) - xx/xx/xxxx

please review documents uploaded to 1st condition - xx/xx/xxxx

Condition upheld. The Settlement Statement provided for the refinance of xxxxxx shows it disbursed after the subject loan closed, and there is no transfer of funds on the Final CD for the subject loan. Provide evidence of funds to close/reserves the subject loan. - xx/xx/xxxx

settlement statement provided with 1st condition, please review - xx/xx/xxxx

 Audited Reserves of  month(s) are greater than or equal to Guideline Required Reserves of  month(s) - xx/xx/xxxx

please review documents uploaded to 1st condition - xx/xx/xxxx

Condition upheld. The Settlement Statement provided for the refinance of xxxxxx shows it disbursed after the subject loan closed, and there is no transfer of funds on the Final CD for the subject loan. Provide evidence of funds to close/reserves the subject loan. - xx/xx/xxxx

settlement statement provided with 1st condition, please review - xx/xx/xxxx

 2026-02-20 19:16 Resolved 3 1 3 1
4000129210 xx/xx/xxxx xxxxx xxxxx IL Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9399164 1 of 4 xx/xx/xxxx Credit Cash Deposit Loan purpose is purchase, confirm if cash deposit has cleared account. Lender to provide thexxxxxxbank statements to verify the EMD cleared. Total EMD is $xxxxxx. Lender to provide the xxxxxx bank statements to verify the EMD cleared. Total EMD is $xxxxxx.


Please review attached statement for condition and clear loan for purchase. Thank you. - xx/xx/xxxx

 Bank Statement showing EMD wire transfer was provided. Condition resolved. - xx/xx/xxxx

Bank Statement showing EMD wire transfer was provided. Condition resolved. - xx/xx/xxxx

Loan purpose is purchase, confirm if cash deposit has cleared account. - xx/xx/xxxx

Please review attached statement for condition and clear loan for purchase. Thank you. - xx/xx/xxxx

 Bank Statement showing EMD wire transfer was provided. Condition resolved. - xx/xx/xxxx

Bank Statement showing EMD wire transfer was provided. Condition resolved. - xx/xx/xxxx

Loan purpose is purchase, confirm if cash deposit has cleared account. - xx/xx/xxxx

Please review attached statement for condition and clear loan for purchase. Thank you. - xx/xx/xxxx

 2026-06-10 14:22 Resolved 3 1 3 1
4000127460 xx/xx/xxxx xxxxx xxxxx NJ Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9163216 4 of 5 xx/xx/xxxx Credit Assets - Insufficient Source Seasoning The loan file does not contain all required asset documentation. Assets required for closing were not sufficiently seasoned. The loan file contains a transaction history for the Borrower's acct datedxx/xx/xxxx. The account reflects a wire deposit was made onxx/xx/xxxx for $xxxxxx. There is also a receipt for the Wire reflecting the transfer of the monies; however, there is not any evidence of where that $xxxxxx is coming from. Need proof of seasoning for the $xxxxxx. 

please re-review. - xx/xx/xxxx

 see attached  - xx/xx/xxxx

 see attached - xx/xx/xxxx

 Borrower was a private Note holder to someone, he gave a payment of that note: name & everything matches to the wires on the docs in assets folder. There wasn’t any closing  - xx/xx/xxxx

 Explanation and documentation was provided for the $xxxxxx.  Condition resolved. - xx/xx/xxxx
please re-review. - xx/xx/xxxx
Condition upheld. The following documents were provided: Note, Mortgage, and Guaranty of Payment for $4xxxxxx, Deed for $xxxxxx, two Notice of Settlements. There are no notes or paper trail explaining the large deposit of $xxxxxx was deposited in the Borrower's account. - xx/xx/xxxx
see attached  - xx/xx/xxxx
Condition upheld.  Documents provided do not support the deposit of $xxxxxx into Borrower's account onxx/xx/xxxx.  Provide Settlement Statement, Payment History, Wire, etc. - xx/xx/xxxx
see attached - xx/xx/xxxx
Condition upheld.  Explanation of $xxxxxx large deposit in Borrower's bank account 10 days prior to close is Borrower was a Note holder and this was  payment.  Note Holder income was not disclosed on the 1003 or mentioned in the file.  Provide the executed copy of the Note the Borrower is holding to support the source and seasoning of this large deposit. - xx/xx/xxxx
Borrower was a private Note holder to someone, he gave a payment of that note: name & everything matches to the wires on the docs in assets folder. There wasn’t any closing  - xx/xx/xxxx
 Explanation and documentation was provided for the $xxxxxx.  Condition resolved. - xx/xx/xxxx
please re-review. - xx/xx/xxxx
Condition upheld. The following documents were provided: Note, Mortgage, and Guaranty of Payment for $4xxxxxx, Deed for $xxxxxx, two Notice of Settlements. There are no notes or paper trail explaining the large deposit of $xxxxxx was deposited in the Borrower's account. - xx/xx/xxxx
see attached  - xx/xx/xxxx
Condition upheld.  Documents provided do not support the deposit of $xxxxxx into Borrower's account onxx/xx/xxxx.  Provide Settlement Statement, Payment History, Wire, etc. - xx/xx/xxxx
see attached - xx/xx/xxxx
Condition upheld.  Explanation of $xxxxxx large deposit in Borrower's bank account 10 days prior to close is Borrower was a Note holder and this was  payment.  Note Holder income was not disclosed on the 1003 or mentioned in the file.  Provide the executed copy of the Note the Borrower is holding to support the source and seasoning of this large deposit. - xx/xx/xxxx
Borrower was a private Note holder to someone, he gave a payment of that note: name & everything matches to the wires on the docs in assets folder. There wasn’t any closing  - xx/xx/xxxx
 2026-06-11 18:59 Resolved 3 1 4 1
400012xxxxxx  xx/xx/xxxx xxxxx xxxxx FL Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8415894 2 of 4 xx/xx/xxxx Credit Borrower 1 Gap Credit Report is Missing Borrower 1 Gap Credit Report is Missing Per guidelines, alternate confirmation that there is no new debt is required and may include a new credit report, pre-close credit score soft-pull or gap report



please re-review the end of report as that is the date it was pulled  - xx/xx/xxxx

 see attached  - xx/xx/xxxx

 GAP/UDM Report provided.  Condition resolved. - xx/xx/xxxx

Borrower 1 Gap Credit Report is not missing. - xx/xx/xxxx

please re-review the end of report as that is the date it was pulled  - xx/xx/xxxx

Condition upheld.  Date of UDM Report is xx/xx/xxxx. Note date isxx/xx/xxxx.  Provide an updated UDM Report. - xx/xx/xxxx

see attached  - xx/xx/xxxx

 GAP/UDM Report provided.  Condition resolved. - xx/xx/xxxx

Borrower 1 Gap Credit Report is not missing. - xx/xx/xxxx

please re-review the end of report as that is the date it was pulled  - xx/xx/xxxx

Condition upheld.  Date of UDM Report is xx/xx/xxxx. Note date isxx/xx/xxxx.  Provide an updated UDM Report. - xx/xx/xxxx

see attached  - xx/xx/xxxx

 2026-04-07 13:50 Resolved 4 1 4 1
400012xxxxxx  xx/xx/xxxx xxxxx xxxxx FL Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8415895 3 of 4 xx/xx/xxxx Credit Borrower 2 Gap Credit Report is Missing Borrower 2 Gap Credit Report is Missing Per guidelines, alternate confirmation that there is no new debt is required and may include a new credit report, pre-close credit score soft-pull or gap report



please re-review the end of report as that is the date it was pulled  - xx/xx/xxxx

 see attached  - xx/xx/xxxx

 GAP/UDM Report provided.  Condition resolved. - xx/xx/xxxx

Borrower 2 Gap Credit Report is not missing. - xx/xx/xxxx

please re-review the end of report as that is the date it was pulled  - xx/xx/xxxx

Condition upheld.  Date of UDM Report is xx/xx/xxxx. Note date isxx/xx/xxxx.  Provide an updated UDM Report. - xx/xx/xxxx

see attached  - xx/xx/xxxx

 GAP/UDM Report provided.  Condition resolved. - xx/xx/xxxx

Borrower 2 Gap Credit Report is not missing. - xx/xx/xxxx

please re-review the end of report as that is the date it was pulled  - xx/xx/xxxx

Condition upheld.  Date of UDM Report is xx/xx/xxxx. Note date isxx/xx/xxxx.  Provide an updated UDM Report. - xx/xx/xxxx

see attached  - xx/xx/xxxx

 2026-04-07 13:51 Resolved 4 1 4 1
4000133756 xx/xx/xxxx xxxxx xxxxx NC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9822543 4 of 8 xx/xx/xxxx Credit Assets - LOE Missing The loan file does not contain all required asset documentation. The required letter of explanation was not provided in the loan file. xxxxxx Guides section 9.9 Cash out  - Cash-Out is for Business Purposes only and the borrower must provide an LOE detailing the purpose and use of the proceeds. The LOE for the Cash-Out is missing in file.



Please refer to lines 1 and 2 of the Business Purpose affidavit which clearly states these funds will be used solely for real estate activities specifically purchasing, improving, or maintaining the property. This is a legally binding document that has been notarized and signed by the borrower. - xx/xx/xxxx

 Attached Business purpose affidavit - xx/xx/xxxx

 LOE provided in Affidavit. Condition resolved. - xx/xx/xxxx

Please refer to lines 1 and 2 of the Business Purpose affidavit which clearly states these funds will be used solely for real estate activities specifically purchasing, improving, or maintaining the property. This is a legally binding document that has been notarized and signed by the borrower. - xx/xx/xxxx

Condition upheld. Business Purpose and Occupancy Affidavit was provided in the loan file.  Missing Cash-Out Letter from Borrower. - xx/xx/xxxx

Attached Business purpose affidavit - xx/xx/xxxx

 LOE provided in Affidavit. Condition resolved. - xx/xx/xxxx

Please refer to lines 1 and 2 of the Business Purpose affidavit which clearly states these funds will be used solely for real estate activities specifically purchasing, improving, or maintaining the property. This is a legally binding document that has been notarized and signed by the borrower. - xx/xx/xxxx

Condition upheld. Business Purpose and Occupancy Affidavit was provided in the loan file.  Missing Cash-Out Letter from Borrower. - xx/xx/xxxx

Attached Business purpose affidavit - xx/xx/xxxx

 2026-06-25 15:13 Resolved 3 1 3 1
4000129986 xx/xx/xxxx xxxxx xxxxx VA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9434437 5 of 5 xx/xx/xxxx Credit Assets - Miscellaneous The loan file does not contain all required asset documentation. The business license provided for the borrower does not show who the owners of the business are supporting the 100% access to use the business funds letter. The CPA letter only supports the borrower is 50% owner.



Please refer to CPA confirming borrower can access funds. - xx/xx/xxxx

 CPA Letter verifies Borrower owns 50%. 50% of assets were used.  Condition resolved. - xx/xx/xxxx

Please refer to CPA confirming borrower can access funds. - xx/xx/xxxx

 CPA Letter verifies Borrower owns 50%. 50% of assets were used.  Condition resolved. - xx/xx/xxxx

Please refer to CPA confirming borrower can access funds. - xx/xx/xxxx

 2026-06-05 13:19 Resolved 3 1 4 1
4000131963 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9724305 3 of 6 xx/xx/xxxx Credit Purchase Contract - Addendum Missing The Purchase Contract Addendum is missing. The closing date is set forxx/xx/xxxxith a note date ofxx/xx/xxxx a lapse of over 30 days. The sales contract addendum confirming all loans remain the same en force thru the note date is missing in the loan file.
 



 please read section 15 its on or about 60 days from the day the contract is executed fully. xx/xx/xxxx is the date of the contract would bexx/xx/xxxx and 30 days isxx/xx/xxxx. - xx/xx/xxxx

 NY Property and contract states on or about.  Condition resolved. - xx/xx/xxxx

please read section 15 its on or about 60 days from the day the contract is executed fully. xx/xx/xxxx is the date of the contract would bexx/xx/xxxx and 30 days isxx/xx/xxxx. - xx/xx/xxxx

 NY Property and contract states on or about.  Condition resolved. - xx/xx/xxxx

please read section 15 its on or about 60 days from the day the contract is executed fully. xx/xx/xxxx is the date of the contract would bexx/xx/xxxx and 30 days isxx/xx/xxxx. - xx/xx/xxxx

 2026-06-16 15:49 Resolved 2 1 3 1
4000134383 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9790486 8 of 8 xx/xx/xxxx Credit Missing Lease Agreement Provide explanation of who the actual tenant is for the 3rd floor.  Page one of Lease states xxxxxx and xxxxxx signed page 4.  However page 2 states the Tenants are xxxxxx and xxxxxx.
Please note; Borrower stated he uses the same lease template for all tenants, the name on the second page was inadvertently left from a previous tenant.  He updated the lease and submitted - xx/xx/xxxx

 Corrected Lease Agreement provided.  Condition resolved. - xx/xx/xxxx

Please note; Borrower stated he uses the same lease template for all tenants, the name on the second page was inadvertently left from a previous tenant.  He updated the lease and submitted - xx/xx/xxxx

 Corrected Lease Agreement provided.  Condition resolved. - xx/xx/xxxx

Please note; Borrower stated he uses the same lease template for all tenants, the name on the second page was inadvertently left from a previous tenant.  He updated the lease and submitted - xx/xx/xxxx

 2026-06-18 14:49 Resolved 3 1 3 2
4000132110 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9663620 1 of 5 xx/xx/xxxx Credit Asset 1 Missing Asset documentation is missing from the file. Lender to provide most recent asset statement.



Please HCB account balance attached  - xx/xx/xxxx

 xxxxxx Bank Balance print-out was provided, and  EMD was verified.  Condition resolved. - xx/xx/xxxx

Asset 1 Provided - xx/xx/xxxx

Please HCB account balance attached  - xx/xx/xxxx

 xxxxxx Bank Balance print-out was provided, and  EMD was verified.  Condition resolved. - xx/xx/xxxx

Asset 1 Provided - xx/xx/xxxx

Please HCB account balance attached  - xx/xx/xxxx

 2026-06-12 17:44 Resolved 3 1 4 1
4000132841 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9707175 3 of 6 xx/xx/xxxx Credit Asset 3 Does Not Meet Guideline Requirements Asset does not meet G/L Requirements. Additional funds needed to meet the reserves required w/ xxxxxx show a different business with part business name - xx/xx/xxxx The ownership documentation of the business to support the borrower's ownership is missing in the loan file. 

Please Entity Documents for  owned by the borrower.  - xx/xx/xxxx
 Operating Agreement provided.  Condition resolved. - xx/xx/xxxx

Asset Record 3 Meets G/L Requirements Or Not Applicable - xx/xx/xxxx

Please Entity Documents for xxxxxx owned by the borrower.  - xx/xx/xxxx

 Operating Agreement provided.  Condition resolved. - xx/xx/xxxx

Asset Record 3 Meets G/L Requirements Or Not Applicable - xx/xx/xxxx

Please Entity Documents for xxxxxx owned by the borrower.  - xx/xx/xxxx

 2026-06-16 14:21 Resolved 3 1 3 1
4000105982 xxxxx xx/xx/xxxx xxxxx xxxxx PA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 7084624 1 of 4 xx/xx/xxxx Credit Borrower 2 Lease Agreements Missing Lender to provide valid current leases for the investment properties  Borrower 2 Lease Agreements missing.. Lender to provide valid current leases for the investment properties



please confirm the lease agreements are needed as they were not used as income for the loan. - xx/xx/xxxx

 Borrower 2 Lease Agreements Provided or Not Applicable (Number of Borrowers equals 2) - xx/xx/xxxx

Lease is not required full PITI used to qualify. - xx/xx/xxxx

Borrower 2 Lease Agreements missing - xx/xx/xxxx

please confirm the lease agreements are needed as they were not used as income for the loan. - xx/xx/xxxx

 Borrower 2 Lease Agreements Provided or Not Applicable (Number of Borrowers equals 2) - xx/xx/xxxx

Lease is not required full PITI used to qualify. - xx/xx/xxxx

Borrower 2 Lease Agreements missing - xx/xx/xxxx

please confirm the lease agreements are needed as they were not used as income for the loan. - xx/xx/xxxx

 2026-04-24 00:11 Resolved 3 1 3 1
4000127095 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9405278 3 of 3 xx/xx/xxxx Compliance Disclosure - ROR/Incorrect Form:New creditor (H8) version required The consumer(s) was provided the incorrect RTC version. The consumer is refinancing with a new creditor; however, the version provided is for a refinance with the same creditor. Version H-9 was provided; Version H-8 was required. Rescission is required to be re-opened. Truth in Lending Act (Regulation Z) 12 CFR 1026.23(b)(1)(v), (a)

Please clear thxx/xx/xxxx xx/xx/xxxx

 Correct NRT - xx/xx/xxxx

 Received newly re-opened RTC, which has since expired.  Finding resolved - xx/xx/xxxx

Please clear thxx/xx/xxxx xx/xx/xxxx

Newly re-opened rescission period does not expire until midnight xx/xx/xxxx.  Please resubmit on xx/xx/xxxx to clear exception - xx/xx/xxxx

Correct NRT - xx/xx/xxxx

 Received newly re-opened RTC, which has since expired.  Finding resolved - xx/xx/xxxx

Please clear thxx/xx/xxxx xx/xx/xxxx

Newly re-opened rescission period does not expire until midnight xx/xx/xxxx.  Please resubmit on xx/xx/xxxx to clear exception - xx/xx/xxxx

Correct NRT - xx/xx/xxxx

 2026-06-11 15:17 Resolved 3 1 3 1
4000132841 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9707177 4 of 6 xx/xx/xxxx Credit Asset Qualification Does Not Meet Guideline Requirements Asset Qualification does not meet guideline requirements. It appears there was a cash-out refi on the primary residence per the 1008 in file with the same lender. Additionally, the same is shown on the final loan application as it shows loan proceeds of $xxxxxx are coming from the xxxxxx loan ending with xxxxxx to be used for the subject acquistion of the subject property. The CD/HUD supporting the transaction and funds needed to close is missing in the loan file.  Asset Qualification does not meet guideline Requirements


Please CD attached  - xx/xx/xxxx

 Final CD from Refi provided. Condition resolved. - xx/xx/xxxx

Please CD attached  - xx/xx/xxxx

 Final CD from Refi provided. Condition resolved. - xx/xx/xxxx

Please CD attached  - xx/xx/xxxx

 2026-06-16 14:23 Resolved 3 1 3 1
4000122595 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8715403 2 of 4 xx/xx/xxxx Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines. The sales contract contains the following verbiage:  Seller NOT required to repair the ROOF, WINDOWS, HVAC or deliver the property FREE of leaks & removes the section providing the subject free of all governmental violations (fire, health, environmental, etc.) - Lender/Seller to submit to the investor determine if an exception approval from xxxxxx  Financial is required.



Please be advised that the appraisal & final inspection confirm that any/all required repairs were completed (roof, electrical, windows etc. are all operating)



 - xx/xx/xxxx

 Completion Cert in file showing the Deficiencies were repaired and meet guidelines.  Condition resolved. - xx/xx/xxxx

Please be advised that the appraisal & final inspection confirm that any/all required repairs were completed (roof, electrical, windows etc. are all operating)



 - xx/xx/xxxx

 Completion Cert in file showing the Deficiencies were repaired and meet guidelines.  Condition resolved. - xx/xx/xxxx

Please be advised that the appraisal & final inspection confirm that any/all required repairs were completed (roof, electrical, windows etc. are all operating)



 - xx/xx/xxxx

 2026-04-21 18:23 Resolved 3 1 4 1
4000131703 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9873773 8 of 13 xx/xx/xxxx Credit Housing History Does Not Meet Guideline Requirements Housing history does not meet guideline requirements. The property detail report to support the rent free letter is missing in the loan file. 



Please advise what exactly required - xx/xx/xxxx

 Housing history meets guideline requirements. - xx/xx/xxxx

Condition set in error.  Rent Free Letter was located in the loan file. - xx/xx/xxxx

Please advise what exactly required - xx/xx/xxxx

 Housing history meets guideline requirements. - xx/xx/xxxx

Condition set in error.  Rent Free Letter was located in the loan file. - xx/xx/xxxx

Please advise what exactly required - xx/xx/xxxx

 2026-06-26 13:53 Resolved 3 1 3 1
4000126004 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9096003 3 of 6 xx/xx/xxxx Credit Business Purpose - Loan Guaranty/Missing The xxxxxxonal Loan Guaranty is missing. The Note and MTG are signed as managing member - not individually as Managing Member - The xxxxxxonal Guaranty is missing



PG attached. - xx/xx/xxxx

 Business Purpose - xx/xx/xxxx

 xxxxxxonal Guaranty Agreement was provided. Condition resolved. - xx/xx/xxxx

The xxxxxxonal Loan Guaranty is not missing. - xx/xx/xxxx

PG attached. - xx/xx/xxxx

Condition upheld. A Business Purpose & Occupancy Affidavit was provided. Loan is missing the xxxxxxonal Guaranty Agreement. - xx/xx/xxxx

Business Purpose - xx/xx/xxxx

 xxxxxxonal Guaranty Agreement was provided. Condition resolved. - xx/xx/xxxx

The xxxxxxonal Loan Guaranty is not missing. - xx/xx/xxxx

PG attached. - xx/xx/xxxx

Condition upheld. A Business Purpose & Occupancy Affidavit was provided. Loan is missing the xxxxxxonal Guaranty Agreement. - xx/xx/xxxx

Business Purpose - xx/xx/xxxx

 2026-06-11 13:08 Resolved 4 1 4 1
4000124924 xx/xx/xxxx xxxxx xxxxx TN Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8955815 1 of 3 xx/xx/xxxx Compliance The Deed of Trust is Incomplete The Deed of Trust is incomplete. Missing page 18 of 18 notary page



pg 18 is shown - xx/xx/xxxx

 Received complete, recorded mortgage - xx/xx/xxxx

pg 18 is shown - xx/xx/xxxx

 Received complete, recorded mortgage - xx/xx/xxxx

pg 18 is shown - xx/xx/xxxx

 2026-05-07 16:49 Resolved 4 1 4 1
4000133244 xx/xx/xxxx xxxxx xxxxx MI Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9721697 3 of 4 xx/xx/xxxx Compliance The Final 1003 is Incomplete The final 1003 is incomplete. Lender to provide an updated final 1003 adding the investment property that is on the credit report. Property was not disclosed on the initial or final 1003.



Per the approved guidelines only the subject property is required to be listed on the 1003.  - xx/xx/xxxx

 DSCR loan does not require additional properties - xx/xx/xxxx

Per the approved guidelines only the subject property is required to be listed on the 1003.  - xx/xx/xxxx

 DSCR loan does not require additional properties - xx/xx/xxxx

Per the approved guidelines only the subject property is required to be listed on the 1003.  - xx/xx/xxxx

 2026-06-17 14:21 Resolved 3 1 3 1
4000118280 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8443187 1 of 3 xx/xx/xxxx Credit Missing letter of explanation A Letter of Explanation is needed to address the Primary Residence address discrepancy on the Uniform Residential Loan Application. The current address section lists the borrower’s Primary Residence as xxxxxx, while the REO section identifies xxxxxx as the Primary Residence.
 
 Per LOE attached, borrower lives rent free with her brother-in-law at xxxxxx. Borrower owns xxxxxx as her primary residence. - xx/xx/xxxx
 LOE was provided. - xx/xx/xxxx
Per LOE attached, borrower lives rent free with her brother-in-law at xxxxxx. Borrower owns xxxxxx as her primary residence. - xx/xx/xxxx
 LOE was provided. - xx/xx/xxxx
Per LOE attached, borrower lives rent free with her brother-in-law at xxxxxx. Borrower owns xxxxxx as her primary residence. - xx/xx/xxxx
 2026-04-10 14:40 Resolved 3 1 3 1
4000133713 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9750548 3 of 3 xx/xx/xxxx Credit Missing VOM or VOR Provide missing VOM from xxxxxx on subject being paid off

 
 Per guidelines, "If the borrower is not a party to the mortgage on the subject or primary residence and they're not authorized on the loan account, then the requirement to document the history and current status is not applicable". The borrower on the existing loan was not our borrower, therefore a VOM is not required. Thank you.  - xx/xx/xxxx

 The loan that was paid off was a prior owner mortgage so the borrower was not a party to that mortgage, VOM not required. - xx/xx/xxxx

Condition upheld. Borrower is paying off loan. Provide missing VOM from xxxxxx on subject being paid off - xx/xx/xxxx

 The loan that was paid off was a prior owner mortgage so the borrower was not a party to that mortgage, VOM not required. - xx/xx/xxxx

Condition upheld. Borrower is paying off loan. Provide missing VOM from xxxxxx on subject being paid off - xx/xx/xxxx

 2026-06-18 16:31 Resolved 3 1 3 1
4000129120 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9479174 2 of 4 xx/xx/xxxx Credit Liabilities - REO The loan file did not contain sufficient documentation to verify debts associated with all other properties. Per the letter in file, the borrower is living rent free. Per the final 1003, the borrower doesn't own any property. However, per the credit report there is a mortgage reporting for 24 months. The mortgage statement associated with this mortgage is missing from the loan file. 



Per approved guidelines only subject property is listed on 1003.  Other property debts are not considered on the loan. - xx/xx/xxxx

 Condition set in error.  Per Guidelines, not required. Condition resolved. - xx/xx/xxxx

Per approved guidelines only subject property is listed on 1003.  Other property debts are not considered on the loan. - xx/xx/xxxx

 Condition set in error.  Per Guidelines, not required. Condition resolved. - xx/xx/xxxx

Per approved guidelines only subject property is listed on 1003.  Other property debts are not considered on the loan. - xx/xx/xxxx

 2026-06-17 16:10 Resolved 3 1 3 1
4000128150 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9500921 1 of 3 xx/xx/xxxx Credit Cash Deposit Missing borrower documentation showing $xxxxxxclearing account. Loan purpose is purchase, confirm if cash deposit has cleared account. EMD was removed as it is not verified.  The EMD was added to the cash to close from Borrower. Loan purpose is purchase, confirm if cash deposit has cleared account.


PCCD with EMD removed - xx/xx/xxxx

 The EMD was not verified, and the borrower had enough funds without it. Do you need a PCCD? - xx/xx/xxxx

 EMD was removed as it is not verified. The EMD was added to the cash to close from Borrower. - xx/xx/xxxx
PCCD with EMD removed - xx/xx/xxxx
Condition upheld.  The $xxxxxxEMD deposit was wired to Title, but no evidence of the source of those funds. Provide an executed PCCCD removing those funds. - xx/xx/xxxx
The EMD was not verified, and the borrower had enough funds without it. Do you need a PCCD? - xx/xx/xxxx
 EMD was removed as it is not verified. The EMD was added to the cash to close from Borrower. - xx/xx/xxxx

PCCD with EMD removed - xx/xx/xxxx

Condition upheld.  The $xxxxxxEMD deposit was wired to Title, but no evidence of the source of those funds. Provide an executed PCCCD removing those funds. - xx/xx/xxxx

The EMD was not verified, and the borrower had enough funds without it. Do you need a PCCD? - xx/xx/xxxx

 2026-06-11 15:56 Resolved 3 1 3 1
4000129208 xx/xx/xxxx xxxxx xxxxx NV Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9385747 4 of 6 xx/xx/xxxx Compliance Final CD: Prepayment Penalty is missing or inaccurate The prepayment penalty on the CD is $xxxxxx, but the audited prepayment penalty is $xxxxxx. Please provide the updated CD
PCCD - xx/xx/xxxx

 Received PCCD - xx/xx/xxxx

PCCD - xx/xx/xxxx

 Received PCCD - xx/xx/xxxx

PCCD - xx/xx/xxxx

 2026-06-25 16:20 Resolved 3 1 4 1
4000105581 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx NC Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 6721239 2 of 3 xx/xx/xxxx Compliance Post Consummation CD Required *Lender to provide signed final CD that reflects the actual/final consummation figures.

-The unsigned CD issued on xx/xx/xxxxhows a $xxxxxxadditional escrow deposit and $xxxxxxcash to borrower. The deposit is supported by the xx/xx/xxxx  $xxxxxx advice and the xxxxxxAccount# ending in xxxxxx, showing a $xxxxxxwithdrawal on xx/xx/xxxx

-However, the signed and dated CD issued on xx/xx/xxxxmits the $xxxxxxdeposit and reflects xxxxxx due at closing.

 
 PCCD - xx/xx/xxxx

 Received PCCD with corrected amounts disclosed - xx/xx/xxxx

PCCD - xx/xx/xxxx

 Received PCCD with corrected amounts disclosed - xx/xx/xxxx

PCCD - xx/xx/xxxx

 2025-12-23 15:10 Resolved 3 1 3 1
4000125106 xx/xx/xxxx xxxxx xxxxx NJ Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9084068 4 of 4 xx/xx/xxxx Credit Property Title Issue Property title issue. The title reflects a Partial Claim Mortgage datedxx/xx/xxxx for $xxxxxx. There isn't any evidence of that mortgage being paid off with the subject loan, subordination or any cancellation. Need evidence this mortgage has been paid. 

Partial claim documented,  - xx/xx/xxxx

 See attached Partial Claim Mortgage- this was tied to the 1st lien, as referenced on the attached claim, that was paid off through closing. No additional documentation is required.  - xx/xx/xxxx

 Property Title Issue Resolved - xx/xx/xxxx

Partial claim documented,  - xx/xx/xxxx

See attached Partial Claim Mortgage- this was tied to the 1st lien, as referenced on the attached claim, that was paid off through closing. No additional documentation is required.  - xx/xx/xxxx

 Property Title Issue Resolved - xx/xx/xxxx

Partial claim documented,  - xx/xx/xxxx

See attached Partial Claim Mortgage- this was tied to the 1st lien, as referenced on the attached claim, that was paid off through closing. No additional documentation is required.  - xx/xx/xxxx

 2026-06-05 20:23 Resolved 3 1 4 1
4000132212 xx/xx/xxxx xxxxx xxxxx IL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9589655 2 of 5 xx/xx/xxxx Compliance Post Consummation CD Required The final CD requires funds to close of $xxxxxx. A wire to closing of $xxxxxx is provided. A Post Close CD confirming the funds to close/refund to the borrower is needed.
Overage refund to borrower - xx/xx/xxxx

 Received copy of refund check - xx/xx/xxxx

Overage refund to borrower - xx/xx/xxxx

 Received copy of refund check - xx/xx/xxxx

Overage refund to borrower - xx/xx/xxxx

 2026-06-12 14:33 Resolved 3 1 3 1
4000135460 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10028496 3 of 4 xx/xx/xxxx Credit Eligibility - Investor Experience The borrower(s) investor experience does not meet guideline requirements. Borrowers are first time investors which requires an exception, per the xxxxxxguidelines. There is no exception in the file. 



our guidelines reflect first time investors are allowed. - xx/xx/xxxx

 Yes - xx/xx/xxxx

The borrower(s) investor experience does meet guideline requirements. - xx/xx/xxxx

Yes - xx/xx/xxxx

The borrower(s) investor experience does meet guideline requirements. - xx/xx/xxxx

our guidelines reflect first time investors are allowed. - xx/xx/xxxx

 Yes - xx/xx/xxxx

The borrower(s) investor experience does meet guideline requirements. - xx/xx/xxxx

Yes - xx/xx/xxxx

The borrower(s) investor experience does meet guideline requirements. - xx/xx/xxxx

our guidelines reflect first time investors are allowed. - xx/xx/xxxx

 2026-07-07 14:14 Resolved 3 1 3 1
4000129208 xx/xx/xxxx xxxxx xxxxx NV Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9385623 3 of 6 xx/xx/xxxx Credit Corporation/LLC: Operating Agreement Doc is Missing The loan file does not contain the Corporation/LLC: Operating Agreement. Funds from a business account was used in the approval. Per guidelines, Ownership percentage must be documented via CPA letter, Operating Agreement, or equivalent. This documentation is missing from the loan file. 



Operating agreement - xx/xx/xxxx

 Operating Agreement showing Borrower owns 50% of business was provided.  Condition resolved. - xx/xx/xxxx

Operating agreement - xx/xx/xxxx

 Operating Agreement showing Borrower owns 50% of business was provided.  Condition resolved. - xx/xx/xxxx

Operating agreement - xx/xx/xxxx

 2026-06-05 13:09 Resolved 3 1 4 1
4000135460 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10095325 4 of 4 xx/xx/xxxx Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines. Condition on hold, pending xxxxxx clarification.  B2 is a FTxxxxxx which requires an exception per xxxxxxGuidelines.
On the same attached for the property profile report, it shows xxxxxx as a owner. - xx/xx/xxxx

 B2 is not a ftxxxxxx. See attached. - xx/xx/xxxx

 Property Profile Report provided showing Borrower is Owner of an REO.  Not FTxxxxxx.  Condition resolved. - xx/xx/xxxx

On the same attached for the property profile report, it shows xxxxxx as a owner. - xx/xx/xxxx

Condition upheld.  B2 does not appear on Mortgage Statement provided.  Final 1003 provided from B2 does not state currently own real estate.  Provide the Note for the REO property to show Borrower is not a FTxxxxxx.   - xx/xx/xxxx

B2 is not a ftxxxxxx. See attached. - xx/xx/xxxx

 Property Profile Report provided showing Borrower is Owner of an REO.  Not FTxxxxxx.  Condition resolved. - xx/xx/xxxx
On the same attached for the property profile report, it shows xxxxxx as a owner. - xx/xx/xxxx
Condition upheld.  B2 does not appear on Mortgage Statement provided.  Final 1003 provided from B2 does not state currently own real estate.  Provide the Note for the REO property to show Borrower is not a FTxxxxxx.   - xx/xx/xxxx
B2 is not a ftxxxxxx. See attached. - xx/xx/xxxx
 2026-07-14 19:57 Resolved 3 1 3 1
4000131676 xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9686135 1 of 3 xx/xx/xxxx Credit All Interested Parties Not Checked with Exclusionary Lists All interested parties not checked with exclusionary lists. Lender to provide OFAC and exclusionary lists for all interested parties in the loan transaction.



OFAC on the borrowing entity and sole guarantor attached - xx/xx/xxxx

 OFAC check was provided.  Condition resolved. - xx/xx/xxxx

All Interested Parties Checked against Exclusionary Lists - xx/xx/xxxx

OFAC on the borrowing entity and sole guarantor attached - xx/xx/xxxx

 OFAC check was provided.  Condition resolved. - xx/xx/xxxx

All Interested Parties Checked against Exclusionary Lists - xx/xx/xxxx

OFAC on the borrowing entity and sole guarantor attached - xx/xx/xxxx

 2026-06-14 15:02 Resolved 3 1 3 1
4000131272 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9605939 3 of 4 xx/xx/xxxx Compliance New York - Subprime Home Loan (First Lien)(02/10) This is a xxxxxx "subprime home loan." The loan's current APR (xxxxxx%) exceeds the xxxxxx Subprime Home Loan threshold of (xxxxxx%) by (0.04). The threshold is determined by adding 1.75 points to the comparable Freddie Mac PMMS rate. (NY Bank 6-m(1)(c)) .

NY SUBPRIME LANGUAGE IS ON THE NOTE AND MORTGAGE.  - xx/xx/xxxx

 Loan was disclosed as a xxxxxx subprime loan.  Disclosures in file and verbiage on note and DOT - xx/xx/xxxx
xxxxxx SUBPRIME LANGUAGE IS ON THE NOTE AND MORTGAGE.  - xx/xx/xxxx
 Loan was disclosed as a xxxxxx subprime loan.  Disclosures in file and verbiage on note and DOT - xx/xx/xxxx
xxxxxx SUBPRIME LANGUAGE IS ON THE NOTE AND MORTGAGE.  - xx/xx/xxxx
 2026-06-12 13:20 Resolved 3 1 3 1
4000130688 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9579368 3 of 10 xx/xx/xxxx Compliance Missing Attorney Preference Letter Right To Choose Attorney or Attorney Preference not in file.

NY Attorney disc - xx/xx/xxxx

 Right To Choose Attorney or Attorney Preference Resolved or Not Applicable - xx/xx/xxxx

Received letter - xx/xx/xxxx

NY Attorney disc - xx/xx/xxxx

 Right To Choose Attorney or Attorney Preference Resolved or Not Applicable - xx/xx/xxxx

Received letter - xx/xx/xxxx

NY Attorney disc - xx/xx/xxxx

 2026-06-09 14:13 Resolved 3 1 4 1
4000127987 xx/xx/xxxx xxxxx xxxxx MS Second Home Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9554554 2 of 6 xx/xx/xxxx Credit Subject loan is in Flood Zone and Notice of Special Flood Hazard Disclosure Not Completed Subject property is in flood zone but Notice of Special Flood Hazard Disclosure was not provided. Lender to provide the fully executed Notice of Special Flood Hazard Disclosure for the borrower



notice of flood - xx/xx/xxxx

 Notice to Borrower was provided.  Condition resolved. - xx/xx/xxxx

Validation Resolved - xx/xx/xxxx

notice of flood - xx/xx/xxxx

 Notice to Borrower was provided.  Condition resolved. - xx/xx/xxxx

Validation Resolved - xx/xx/xxxx

notice of flood - xx/xx/xxxx

 2026-06-12 15:10 Resolved 1 1 4 1
4000131503 xx/xx/xxxx xxxxx xxxxx PA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9568115 1 of 6 xx/xx/xxxx Compliance The Note is Incomplete The Note is incomplete. Missing page 3 of note



note  - xx/xx/xxxx

 The Note is Present - xx/xx/xxxx

Received completed note - xx/xx/xxxx

note  - xx/xx/xxxx

 The Note is Present - xx/xx/xxxx

Received completed note - xx/xx/xxxx

note  - xx/xx/xxxx

 2026-06-12 13:42 Resolved 4 1 4 1
4000128894 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9083654 8 of 10 xx/xx/xxxx Compliance Missing evidence of rate lock Missing evidence of Rate Lock. The lock confirmation provided datedxx/xx/xxxxeflects the loan documentation as a 24-month bank statement, but the income calculator provided only reflects 12 months of bank statements. Please provide the updated lock.



Not sure what you asking us to provide as our rate locks dont contain this information. please advise if I need to get Jeff involved - xx/xx/xxxx

 Evidence of Rate Lock Provided - xx/xx/xxxx

Not sure what you asking us to provide as our rate locks dont contain this information. please advise if I need to get Jeff involved - xx/xx/xxxx

 Evidence of Rate Lock Provided - xx/xx/xxxx

Not sure what you asking us to provide as our rate locks dont contain this information. please advise if I need to get Jeff involved - xx/xx/xxxx

 2026-06-15 14:21 Resolved 3 1 3 1
4000125893 xx/xx/xxxx xxxxx xxxxx GA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9205036 5 of 5 xx/xx/xxxx Compliance Insufficient Change of Circumstance (50001252) The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Settlement or Closing Fee, Title Insurance Binder, Title buyer post closing, Title e Recording. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Title Fees Settlement or Closing Fee, Points - Loan Discount Fee, Title Insurance Binder, Title buyer post-closing, Title e Recording increased without COC.



not sure what this applies to. I provided the sspl and the title company selected is not on the SSP. Fees are correctly listed in Section C on the Final CD & are not subject to tolerance.  - xx/xx/xxxx

 Confirmed no affiliate used - xx/xx/xxxx

not sure what this applies to. I provided the sspl and the title company selected is not on the SSP. Fees are correctly listed in Section C on the Final CD & are not subject to tolerance.  - xx/xx/xxxx

 Confirmed no affiliate used - xx/xx/xxxx

not sure what this applies to. I provided the sspl and the title company selected is not on the SSP. Fees are correctly listed in Section C on the Final CD & are not subject to tolerance.  - xx/xx/xxxx

 2026-06-12 14:59 Resolved 1 1 3 1
4000130002 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9461236 6 of 6 xx/xx/xxxx Compliance Missing Tangible Net Benefit Disclosure Tangible Net Benefit Disclosure was not provided.

not needed - xx/xx/xxxx

 TNB not required - xx/xx/xxxx

not needed - xx/xx/xxxx

 TNB not required - xx/xx/xxxx

not needed - xx/xx/xxxx

 2026-06-03 12:48 Resolved 3 1 3 1
4000131019 xx/xx/xxxx xxxxx xxxxx IL Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9614569 5 of 12 xx/xx/xxxx Credit Condo - HOA Budget Missing The loan file did not contain the HOA budget as required. The Condo budget is missing to support the condo's warrantability.



Not applicable on non warrantable   - xx/xx/xxxx

 Loan was re-locked as a Non-Warrantable condo.  Not required. - xx/xx/xxxx

Not applicable on non warrantable   - xx/xx/xxxx

 Loan was re-locked as a Non-Warrantable condo.  Not required. - xx/xx/xxxx

Not applicable on non warrantable   - xx/xx/xxxx

 2026-06-16 15:15 Resolved 3 1 4 1
4000130863 xx/xx/xxxx xxxxx xxxxx IL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9752448 2 of 3 xx/xx/xxxx Compliance The Final 1003 is Incomplete The final 1003 is incomplete. Final 1003 has both borrower checked as US Citizen vs Permanent Resident Alien per documentation in file.



Non-citizens generally cannot obtain axx/xx/xxxxassport.xx/xx/xxxxassports are reserved exclusively forxx/xx/xxxxitizens and a small group of non-citizenxx/xx/xxxxationals xx/xx/xxxxindividuals born in xxxxxx or xxxxxx ). Permanent residents (Green Card holders) and visa holders must travel using passports issued by their home countries - xx/xx/xxxx
 Borrowers provided Us passports and asked application to be updated correctly.  - xx/xx/xxxx
 See attached  - xx/xx/xxxx
  US passport cards confirm both borrower's are now US citizens - xx/xx/xxxx

Non-citizens generally cannot obtain axx/xx/xxxxassport.xx/xx/xxxxassports are reserved exclusively forxx/xx/xxxxitizens and a small group of non-citizenxx/xx/xxxxationals xx/xx/xxxxindividuals born in xxxxxx or xxxxxx ). Permanent residents (Green Card holders) and visa holders must travel using passports issued by their home countries - xx/xx/xxxx

B1 & B2 passport cards provided, please provide updated 1003. - xx/xx/xxxx

Borrowers provided Us passports and asked application to be updated correctly.  - xx/xx/xxxx

Please provide corrected final 1003's correctly disclosing borrowers as Permanent Resident Alien - xx/xx/xxxx

See attached  - xx/xx/xxxx

  US passport cards confirm both borrower's are now US citizens - xx/xx/xxxx

Non-citizens generally cannot obtain axx/xx/xxxxassport.xx/xx/xxxxassports are reserved exclusively forxx/xx/xxxxitizens and a small group of non-citizenxx/xx/xxxxationals xx/xx/xxxxindividuals born in xxxxxx or xxxxxx ). Permanent residents (Green Card holders) and visa holders must travel using passports issued by their home countries - xx/xx/xxxx

B1 & B2 passport cards provided, please provide updated 1003. - xx/xx/xxxx

Borrowers provided Us passports and asked application to be updated correctly.  - xx/xx/xxxx

Please provide corrected final 1003's correctly disclosing borrowers as Permanent Resident Alien - xx/xx/xxxx

See attached  - xx/xx/xxxx

 2026-06-18 14:58 Resolved 3 1 3 1
4000120506 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8660664 2 of 7 xx/xx/xxxx Credit Purchase Contract - Addendum Missing The Purchase Contract Addendum is missing. The initial sales contract was set to close on or aboutxx/xx/xxxxThe Note date is xxxxxx  - Missing the sales contract addendum extending the closing date.

no addendum - xx/xx/xxxx

 NY Contract do not expire.  Condition resolved. - xx/xx/xxxx

no addendum - xx/xx/xxxx

 NY Contract do not expire.  Condition resolved. - xx/xx/xxxx

no addendum - xx/xx/xxxx

 2026-04-17 17:44 Resolved 2 1 4 1
4000134373 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9756862 7 of 7 xx/xx/xxxx Credit Liabilities - REO The loan file did not contain sufficient documentation to verify debts associated with all other properties. The mortgage statements associated with the mortgages reflected on the credit report are missing from the loan file. 



Mortgage statements for other properties are not required per DSCR guidelines. - xx/xx/xxxx

 Condition set in error.  DSCR Loan, not required.   - xx/xx/xxxx

Mortgage statements for other properties are not required per DSCR guidelines. - xx/xx/xxxx

 Condition set in error.  DSCR Loan, not required.   - xx/xx/xxxx

Mortgage statements for other properties are not required per DSCR guidelines. - xx/xx/xxxx

 2026-06-17 19:17 Resolved 3 1 4 2
4000118148 xx/xx/xxxx xxxxx xxxxx FL Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8363053 1 of 4 xx/xx/xxxx Compliance The Deed of Trust is Missing The Deed of Trust is missing. Missing executed security instrument. 



Mortgage  - xx/xx/xxxx

 DOT and Riders provided. Condition resolved. - xx/xx/xxxx

Mortgage  - xx/xx/xxxx

 DOT and Riders provided. Condition resolved. - xx/xx/xxxx

Mortgage  - xx/xx/xxxx

 2026-04-01 19:07 Resolved 4 1 4 1
4000130002 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9457188 2 of 6 xx/xx/xxxx Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines. Per the Lender's guidelinesxx/xx/xxxx1 - A maximum of 3 NSF occurrences within a twelve-month period are allowed. If there are zero occurrences in the most recent three-month period, up to 6 occurrences in the most recent twelve-month period are acceptable. However, the borrower has 19 returned checks within a 12-month period. 



LOX/confirm - xx/xx/xxxx

 LOE from Borrower for NSF/Returned Check was provided.  Condition resolved. - xx/xx/xxxx

LOX/confirm - xx/xx/xxxx

 LOE from Borrower for NSF/Returned Check was provided.  Condition resolved. - xx/xx/xxxx

LOX/confirm - xx/xx/xxxx

 2026-06-04 14:36 Resolved 3 1 3 1
4000126981 xx/xx/xxxx xxxxx xxxxx MT Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9111412 2 of 3 xx/xx/xxxx Credit Cash To Borrower does not meet eligibility requirement(s) Per the lender's guidelines, Cash-Out proceeds cannot be utilized for xxxxxxonal use under the xxxxxx  DSCR Plus program.  Per the final settlement statement, the borrower received $xxxxxx cash out at closing. The loan file does not contain a letter of explanation from the borrower stating the reason for the cash out or an approved loan exception.  
LOX - xx/xx/xxxx

 LOE from Borrower for cash-out was provided and is acceptable.  Condition resolved. - xx/xx/xxxx

LOX - xx/xx/xxxx

 LOE from Borrower for cash-out was provided and is acceptable.  Condition resolved. - xx/xx/xxxx

LOX - xx/xx/xxxx

 2026-05-21 17:33 Resolved 3 1 3 1
4000126428 xx/xx/xxxx xxxxx xxxxx GA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9586313 2 of 3 xx/xx/xxxx Credit Missing letter of explanation Lender to provide a LOX from the borrower on the motivation to move from the departing residence to the subject property. Final 1003 says B! is retaining the departing residence as a 2nd home. Distance from old home to new home is 8 miles. 

lox - xx/xx/xxxx

 LOE from Borrower on Motivation to move was provided.  Condition resolved. - xx/xx/xxxx

lox - xx/xx/xxxx

 LOE from Borrower on Motivation to move was provided.  Condition resolved. - xx/xx/xxxx

lox - xx/xx/xxxx

 2026-06-09 20:19 Resolved 3 1 3 1
4000128004 xx/xx/xxxx xxxxx xxxxx MS Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9619778 1 of 3 xx/xx/xxxx Credit Third Party Fraud Report Partially Provided Third party fraud report partially provided. The Fraud Report does not contain the disposition of the primary residence xxxxxx  confirming B's primary occupancy as provided on the loan application.

lox - xx/xx/xxxx
 I have been asked to find out what is wrong with the fraud report on this one. This is an investment property, and the address of xxxxxx  looks to be the primary residence that they are retaining. This is also shown on the fraud report. the subject property is an investment property. please advise - xx/xx/xxxx
 Fraud Report and LOE were provided.  Condition resolved. - xx/xx/xxxx
Third Party Fraud Report is fully present - xx/xx/xxxx
lox - xx/xx/xxxx
Condition upheld.  Borrower's application states primary is xxxxxx  for 8 years, however the CR and Fraud Report contradict this.   - xx/xx/xxxx
I have been asked to find out what is wrong with the fraud report on this one. This is an investment property, and the address of xxxxxx  looks to be the primary residence that they are retaining. This is also shown on the fraud report. the subject property is an investment property. please advise - xx/xx/xxxx
 Fraud Report and LOE were provided.  Condition resolved. - xx/xx/xxxx
Third Party Fraud Report is fully present - xx/xx/xxxx
lox - xx/xx/xxxx
Condition upheld.  Borrower's application states primary is xxxxxx  for 8 years, however the CR and Fraud Report contradict this.   - xx/xx/xxxx
I have been asked to find out what is wrong with the fraud report on this one. This is an investment property, and the address of xxxxxx  looks to be the primary residence that they are retaining. This is also shown on the fraud report. the subject property is an investment property. please advise - xx/xx/xxxx
 2026-06-16 14:43 Resolved 3 1 3 1
4000129260 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9284954 3 of 3 xx/xx/xxxx Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines. Documentation provided to validate 2 mos rent to use current lease on purchase is mxxxxxxed out. The name and acct information are mxxxxxxed out. Could not locate exception verifying documentation provided is acceptable to meet guideline requirements in using lease/higher rent amounts.



LOE from the Seller was provided.  Name on Bank Statements xxxxxx  matches the vesting name on the Title Commitment, which is the Seller.  Condition resolved. - xx/xx/xxxx
 UW Cert - xx/xx/xxxx
 LOE from the Seller was provided. Name on Bank Statements xxxxxx  matches the vesting name on the Title Commitment, which is the Seller. Condition resolved. - xx/xx/xxxx

LOE from the Seller was provided.  Name on Bank Statements xxxxxx  matches the vesting name on the Title Commitment, which is the Seller.  Condition resolved. - xx/xx/xxxx

UW Cert - xx/xx/xxxx

 LOE from the Seller was provided. Name on Bank Statements xxxxxx  matches the vesting name on the Title Commitment, which is the Seller. Condition resolved. - xx/xx/xxxx

LOE from the Seller was provided.  Name on Bank Statements xxxxxx  matches the vesting name on the Title Commitment, which is the Seller.  Condition resolved. - xx/xx/xxxx

UW Cert - xx/xx/xxxx

 2026-05-31 19:15 Resolved 3 1 3 1
4000120227 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9394029 5 of 11 xx/xx/xxxx Credit Eligibility - Occupancy The intent and/or status of the borrower's occupancy is not supported in the file. The loan file reflected occupancy and address issues which were not sufficiently addressed. Lender to provide a valid property report for the current address on the borrower's driver license, License was issuedxx/xx/xxxxet the borrower states he lives in the subject property. All xxxxxx docs as well as the credit report show that his primary address is NOT the subject property. There is not a property report to verify the borrower doesn't live/ own at the property listed on his DL. 

LOE and appraisal show owner occupied. - xx/xx/xxxx

 LOE and Evidence provided.  Condition resolved. - xx/xx/xxxx

LOE and appraisal show owner occupied. - xx/xx/xxxx

 LOE and Evidence provided.  Condition resolved. - xx/xx/xxxx

LOE and appraisal show owner occupied. - xx/xx/xxxx

 2026-06-03 14:52 Resolved 3 1 4 1
4000129208 xx/xx/xxxx xxxxx xxxxx NV Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9577645 6 of 6 xx/xx/xxxx Credit Cash reserves less than required by guidelines Total Cash reserves of '$-xxxxxx' are less than $0. Per Operating Agreement, Borrower owns 50% of Business.  Per Guidelines: The balance of the business assets must be multiplied by the ownership percentage to determine the owner’s portion of business assets allowed for the transaction.  Therefore Borrower is short $xxxxxx in funds to close/reserves.
LOE - xx/xx/xxxx

 Access Letter was provided. Condition resolved.  - xx/xx/xxxx

Total Cash reserves are greater than $0. - xx/xx/xxxx

LOE - xx/xx/xxxx

 Access Letter was provided. Condition resolved.  - xx/xx/xxxx

Total Cash reserves are greater than $0. - xx/xx/xxxx

LOE - xx/xx/xxxx

 2026-06-26 14:50 Resolved 3 1 4 1
4000133043 xx/xx/xxxx xxxxx xxxxx TX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9752293 3 of 5 xx/xx/xxxx Credit Income - LOE Missing The loan file did not contain a letter of explanation as required.  Lender to provide LOE form borrower detailing relevant real estate experience, as required by xxxxxx guides 8.9xx/xx/xxxx DSCR sectionxx/xx/xxxx


 LOE - xx/xx/xxxx

 LOE from Borrower on Real Estate Experience was provided.  Condition resolved. - xx/xx/xxxx

LOE - xx/xx/xxxx

 LOE from Borrower on Real Estate Experience was provided.  Condition resolved. - xx/xx/xxxx

LOE - xx/xx/xxxx

 2026-06-23 16:35 Resolved 3 1 3 1
4000123383 xx/xx/xxxx xxxxx xxxxx FL Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8926234 2 of 6 xx/xx/xxxx Credit Purchase Contract - Parties All parties were not properly identified on the Purchase Contract. Missing the verification for the signor on the sales contract for xxxxxx . Provide evidence that the signor on the sales contract for xxxxxx  has legal authority to sign on behalf of the LLC.


LOE - xx/xx/xxxx

 purchase

 - xx/xx/xxxx

 Evidence from xxxxxx  was provided showing the xxxxxxon who signed the purchase contract on behalf of xxxxxx  was authorized.  Condition resolved. - xx/xx/xxxx
LOE - xx/xx/xxxx
Document Uploaded. Condition upheld.  Purchase Contract was provided.  Contract was already provided with the loan file.   Provide evidence that the xxxxxxon who signed the purchase contract (see attached) on behalf of xxxxxx . - xx/xx/xxxx
purchase
 - xx/xx/xxxx
 Evidence from xxxxxx  was provided showing the xxxxxxon who signed the purchase contract on behalf of xxxxxx  was authorized.  Condition resolved. - xx/xx/xxxx

LOE - xx/xx/xxxx

Document Uploaded. Condition upheld.  Purchase Contract was provided.  Contract was already provided with the loan file.   Provide evidence that the xxxxxxon who signed the purchase contract (see attached) on behalf of xxxxxx . - xx/xx/xxxx

purchase

 - xx/xx/xxxx

 2026-05-20 18:32 Resolved 1 1 3 2
4000118533 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8485345 2 of 3 xx/xx/xxxx Compliance Missing evidence of rate lock Missing evidence of Rate Lock. Missing Lock confirmation from Synergy One Lending and xxxxxx 



lock - xx/xx/xxxx

 Investor lock provided Condition resolved. - xx/xx/xxxx

Evidence of Rate Lock Provided - xx/xx/xxxx

lock - xx/xx/xxxx

 Investor lock provided Condition resolved. - xx/xx/xxxx

Evidence of Rate Lock Provided - xx/xx/xxxx

lock - xx/xx/xxxx

 2026-04-10 13:30 Resolved 3 1 3 1
4000120524 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8504358 3 of 3 xx/xx/xxxx Compliance Missing evidence of rate lock Missing evidence of Rate Lock. The Loan file is missing the xxxxxx  Rate Lock.
 



 Lock - xx/xx/xxxx

 Investor lock provided.  Condition resolved. - xx/xx/xxxx

Evidence of Rate Lock Provided - xx/xx/xxxx

Lock - xx/xx/xxxx

 Investor lock provided.  Condition resolved. - xx/xx/xxxx

Evidence of Rate Lock Provided - xx/xx/xxxx

Lock - xx/xx/xxxx

 2026-04-10 14:37 Resolved 3 1 3 1
4000121265 xx/xx/xxxx xxxxx xxxxx IN Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8429563 1 of 3 xx/xx/xxxx Credit Borrower 1 Executed 4506-T Missing Borrower 1 Executed 4506-T missing from the file.

Loan program is WVOE, 4506 is not required. Please clear condition and file for purchase. Thank you - xx/xx/xxxx

 Borrower 1 Executed 4506-T Provided - xx/xx/xxxx

Condition set in error.  Condition voided. - xx/xx/xxxx

Condition set in error.  Condition voided. - xx/xx/xxxx

Borrower 1 Executed 4506-T Provided - xx/xx/xxxx

Loan program is WVOE, 4506 is not required. Please clear condition and file for purchase. Thank you - xx/xx/xxxx

 Borrower 1 Executed 4506-T Provided - xx/xx/xxxx

Condition set in error.  Condition voided. - xx/xx/xxxx

Condition set in error.  Condition voided. - xx/xx/xxxx

Borrower 1 Executed 4506-T Provided - xx/xx/xxxx

Loan program is WVOE, 4506 is not required. Please clear condition and file for purchase. Thank you - xx/xx/xxxx

 2026-08-14 18:18 Resolved 3 1 3 1
4000127987 xx/xx/xxxx xxxxx xxxxx MS Second Home Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9553873 1 of 6 xx/xx/xxxx Credit Title Commitment - Other There are additional findings regarding the title commitment. Lender to have the title co add the legal description of the subject property to the commitment. Legal is missing from the commitment in file. 



legal - xx/xx/xxxx

 Condition resolved. - xx/xx/xxxx

legal - xx/xx/xxxx

 Condition resolved. - xx/xx/xxxx

legal - xx/xx/xxxx

 2026-06-19 13:34 Resolved 2 1 4 1
4000123383 xx/xx/xxxx xxxxx xxxxx FL Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8926291 4 of 6 xx/xx/xxxx Credit Income - Income Documentation Missing The loan file did not contain the required income documentation. The rental income from the departing residence located at xxxxxx  was used in the loan approval. Per guidelines, when a departing primary residence is being converted to an investment property, the borrower must provide a signed 12-month lease with the new tenant, along with evidence of receipt of funds such as first month’s rent, last month’s rent, security deposit, or a combination thereof. The loan file is missing the lease agreement and two months of canceled checks needed to document the $xxxxxx monthly rental income used to offset the principal, interest, taxes, and insurance payment for the departing primary residence.

Departing residence PITIA / ITIA can be offset by 75% of projected net rental income- rent estimate is in file. pg  Document Uploaded. Please see attached guideline regarding offsetting Departing Residence.  A rent estimate does not suffice.


lease agreement - xx/xx/xxxx

 We already sent an exception for this. Can you please confirm exactly what still needs to be provided? - xx/xx/xxxx

 Lease provided for departing residence. Reserves are 294 months.  Condition resolved. - xx/xx/xxxx

lease agreement - xx/xx/xxxx

Condition upheld:  Per xxxxxx/xxxxxx  review, an estimate of rent via online listing is not sufficient to meet guidelines. - xx/xx/xxxx

We already sent an exception for this. Can you please confirm exactly what still needs to be provided? - xx/xx/xxxx

 Lease provided for departing residence. Reserves are 294 months.  Condition resolved. - xx/xx/xxxx

lease agreement - xx/xx/xxxx

Condition upheld:  Per xxxxxx/xxxxxx  review, an estimate of rent via online listing is not sufficient to meet guidelines. - xx/xx/xxxx

We already sent an exception for this. Can you please confirm exactly what still needs to be provided? - xx/xx/xxxx

 2026-06-11 14:53 Resolved 1 1 3 2
4000130688 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9579394 5 of 10 xx/xx/xxxx Compliance TRID: Missing Loan Estimate Loan Estimates are missing from the file.

LE

 - xx/xx/xxxx

 Received LE - xx/xx/xxxx

LE

 - xx/xx/xxxx

 Received LE - xx/xx/xxxx

LE

 - xx/xx/xxxx

 2026-06-09 14:38 Resolved 4 1 4 1
4000117567 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8276582 3 of 4 xx/xx/xxxx Property Missing Doc - 3rd Party Valuation Product/Missing The loan file did not contain the required 3rd party valuation product.

LCA xxxxxx - xx/xx/xxxx
 The 3rd party valuation (CDA) is not required due to CU score is xxxxxx - xx/xx/xxxx
 vvoe - xx/xx/xxxx
 CU and LCA with scores of xxxxxx or below were provided.  Condition resolved. - xx/xx/xxxx
LCA xxxxxx - xx/xx/xxxx
Condition upheld.  CU with score of xxxxxx was provided.  Guidelines state that CU and LCA must both be run at the same time.  Provide the LCA. - xx/xx/xxxx
The 3rd party valuation (CDA) is not required due to CU score is xxxxxx - xx/xx/xxxx
Condition upheld.  Missing 3rd Party Valuation. Not VVOE. - xx/xx/xxxx
vvoe - xx/xx/xxxx
 CU and LCA with scores of xxxxxx or below were provided.  Condition resolved. - xx/xx/xxxx
LCA xxxxxx - xx/xx/xxxx
Condition upheld.  CU with score of xxxxxx was provided.  Guidelines state that CU and LCA must both be run at the same time.  Provide the LCA. - xx/xx/xxxx
The 3rd party valuation (CDA) is not required due to CU score is xxxxxx - xx/xx/xxxx
Condition upheld.  Missing 3rd Party Valuation. Not VVOE. - xx/xx/xxxx
vvoe - xx/xx/xxxx
 2026-04-13 17:02 Resolved 3 1 3 1
4000135281 xx/xx/xxxx xxxxx xxxxx TX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9967197 3 of 3 xx/xx/xxxx Property Appraisal - Other There are additional appraisal findings. Appraisal and 1007 rent schedule missing, additional conditions may apply upon receipt



its page 36 in the appraisal report. Please review again. - xx/xx/xxxx

 Complete Appraisal with 1007 was provided.  Condition resolved. - xx/xx/xxxx

its page 36 in the appraisal report. Please review again. - xx/xx/xxxx

 Complete Appraisal with 1007 was provided.  Condition resolved. - xx/xx/xxxx

its page 36 in the appraisal report. Please review again. - xx/xx/xxxx

 2026-06-29 18:58 Resolved 2 1 3 1
4000131503 xx/xx/xxxx xxxxx xxxxx PA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9577763 2 of 6 xx/xx/xxxx Credit Missing Property Tax Cert Missing property tax cert.

its in page 23 of the title report.  - xx/xx/xxxx

 Tax Cert provided.  Condition resolved. - xx/xx/xxxx

property tax cert provided - xx/xx/xxxx

its in page 23 of the title report.  - xx/xx/xxxx

 Tax Cert provided.  Condition resolved. - xx/xx/xxxx

property tax cert provided - xx/xx/xxxx

its in page 23 of the title report.  - xx/xx/xxxx

 2026-06-12 19:18 Resolved 3 1 4 1
4000130688 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9582773 7 of 10 xx/xx/xxxx Compliance Intent to Proceed is Missing or Incomplete Missing Intent to Proceed

intent - xx/xx/xxxx

 Intent to Proceed provided. - xx/xx/xxxx

intent - xx/xx/xxxx

 Intent to Proceed provided. - xx/xx/xxxx

intent - xx/xx/xxxx

 2026-06-09 14:13 Resolved 3 1 4 1
4000130704 xx/xx/xxxx xxxxx xxxxx WA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9630939 4 of 5 xx/xx/xxxx Credit Hazard Insurance Policy is Partial Hazard insurance policy partially provided. Per lender guidelines 9.6 - v8.9 Rent Loss - Rent loss insurance for the subject property is required and must equal at least six (6) months of local average
monthly rents. The loan file did not contain any rent loss insurance. 



Insurance with rent loss - xx/xx/xxxx

 Hazard Insurance Policy is fully present - xx/xx/xxxx

Corrected Policy was provided.  Additional condition was added.  This condition is resolved. - xx/xx/xxxx

Insurance with rent loss - xx/xx/xxxx

 Hazard Insurance Policy is fully present - xx/xx/xxxx

Corrected Policy was provided.  Additional condition was added.  This condition is resolved. - xx/xx/xxxx

Insurance with rent loss - xx/xx/xxxx

 2026-06-16 20:26 Resolved 3 1 3 1
4000128888 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9320536 3 of 4 xx/xx/xxxx Credit Hazard Insurance Policy is Missing Missing hazard insurance policy.

Insurance uploaded - xx/xx/xxxx

 HOI Policy provided.  Condition resolved. - xx/xx/xxxx

Hazard Insurance Policy was provided. - xx/xx/xxxx

Insurance uploaded - xx/xx/xxxx

 HOI Policy provided.  Condition resolved. - xx/xx/xxxx

Hazard Insurance Policy was provided. - xx/xx/xxxx

Insurance uploaded - xx/xx/xxxx

 2026-05-22 13:55 Resolved 3 1 3 1
4000123861 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8798533 3 of 3 xx/xx/xxxx Compliance TRID: Missing Initial Closing Disclosure The loan file does not contain the initial Closing Disclosure.

Initial CD - xx/xx/xxxx

 Received ICD - xx/xx/xxxx

Initial CD - xx/xx/xxxx

 Received ICD - xx/xx/xxxx

Initial CD - xx/xx/xxxx

 2026-04-23 14:39 Resolved 4 1 4 1
4000130688 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9579397 6 of 10 xx/xx/xxxx Compliance TRID: Missing Initial Closing Disclosure The loan file does not contain the initial Closing Disclosure.

initial CD - xx/xx/xxxx

 Received - xx/xx/xxxx

initial CD - xx/xx/xxxx

 Received - xx/xx/xxxx

initial CD - xx/xx/xxxx

 2026-06-09 14:37 Resolved 4 1 4 1
4000128013 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9604441 3 of 3 xx/xx/xxxx Compliance Missing Initial Escrow Disclosure Initial Escrow Account Disclosure is missing.

IED - xx/xx/xxxx

 Initial Escrow Account Disclosure is Resolved - xx/xx/xxxx

Received disclosure - xx/xx/xxxx

IED - xx/xx/xxxx

 Initial Escrow Account Disclosure is Resolved - xx/xx/xxxx

Received disclosure - xx/xx/xxxx

IED - xx/xx/xxxx

 2026-06-11 14:06 Resolved 2 1 2 1
4000124960 xx/xx/xxxx xxxxx xxxxx MT Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8809225 3 of 5 xx/xx/xxxx Compliance Missing US Patriot Act Disclosure or ID The expiration date of the ID used on the USA Patriot Act Form is illegible. Appears to be xx/xx/xxxx. Missing imaged copy of a non-expired ID or legible Patriot Act Form.

ID expires 2035 - xx/xx/xxxx

 Updated ID was provided.  Condition resolved. - xx/xx/xxxx

ID expires 2035 - xx/xx/xxxx

 Updated ID was provided.  Condition resolved. - xx/xx/xxxx

ID expires 2035 - xx/xx/xxxx

 2026-04-28 19:26 Resolved 2 1 3 1
4000127987 xx/xx/xxxx xxxxx xxxxx MS Second Home Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9563086 5 of 6 xx/xx/xxxx Compliance TRID: Missing Initial Closing Disclosure The loan file does not contain the initial Closing Disclosure.

icd - xx/xx/xxxx

 Received ICD - xx/xx/xxxx

icd - xx/xx/xxxx

 Received ICD - xx/xx/xxxx

icd - xx/xx/xxxx

 2026-06-12 15:12 Resolved 4 1 4 1
4000136078 xx/xx/xxxx xxxxx xxxxx KS Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10095421 6 of 7 xx/xx/xxxx Credit Borrower - Residency Alien Documentation The borrower indicates Resident Alien status, however, the file contains no evidence documenting status as legally. Lender to provide, per Rosewood Guidelines, INS form I-751 (petition to remove conditions) required for Alien Registration Cards I-551 with expiration dates.



I-551 card on page 169 indicates Category: !R6. This category is an unconditional status given to a spouse of axx/xx/xxxxitizen that is married 2+ years at approval. Since it is not a conditional status when issued, there is no need for the I-751 form, which is a petition for condition removal. In practice, I am not sure you could even submit a 1-751 form, because the status issued under that category is not conditional, so there is nothing to petition. See more: https://lunellaw.com/blog/ir6-green-card-guide/  - xx/xx/xxxx

 Citizenship updated - xx/xx/xxxx

I-551 card on page 169 indicates Category: !R6. This category is an unconditional status given to a spouse of axx/xx/xxxxitizen that is married 2+ years at approval. Since it is not a conditional status when issued, there is no need for the I-751 form, which is a petition for condition removal. In practice, I am not sure you could even submit a 1-751 form, because the status issued under that category is not conditional, so there is nothing to petition. See more: https://lunellaw.com/blog/ir6-green-card-guide/  - xx/xx/xxxx

 Citizenship updated - xx/xx/xxxx

I-551 card on page 169 indicates Category: !R6. This category is an unconditional status given to a spouse of axx/xx/xxxxitizen that is married 2+ years at approval. Since it is not a conditional status when issued, there is no need for the I-751 form, which is a petition for condition removal. In practice, I am not sure you could even submit a 1-751 form, because the status issued under that category is not conditional, so there is nothing to petition. See more: https://lunellaw.com/blog/ir6-green-card-guide/  - xx/xx/xxxx

 2026-07-22 17:20 Resolved 2 1 3 1
4000131119 xx/xx/xxxx xxxxx xxxxx MD Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9639235 1 of 2 xx/xx/xxxx Compliance Missing evidence of rate lock Missing evidence of Rate Lock. The xxxxxx Lock Confirmations shows DU A/E for DSCR loan. An updated Lock Confirmation is needed.



I’m currently showing this file as No AUS / Manual UW, and the lock form aligns with what we have on file. As a precaution, I revalidated the lock, and can confirm we are still aligned with thexx/xx/xxxxpdate  - xx/xx/xxxx

 Attached - xx/xx/xxxx

 This was submitted and should be all set.  - xx/xx/xxxx

 Document Uploaded. Lock Change Request was provided showing No AUS. Condition resolved. - xx/xx/xxxx

Lock Change Request was provided showing No AUS.  Condition resolved. - xx/xx/xxxx

I’m currently showing this file as No AUS / Manual UW, and the lock form aligns with what we have on file. As a precaution, I revalidated the lock, and can confirm we are still aligned with thexx/xx/xxxxpdate  - xx/xx/xxxx

Condition upheld.  Provide the corrected Lock Confirmation from xxxxxx. - xx/xx/xxxx

Attached - xx/xx/xxxx

Condition upheld.  The xxxxxx Lock Confirmation in file states the loan is DU Approved.  Subject loan is DSCR. Provided corrected xxxxxx lock. - xx/xx/xxxx

This was submitted and should be all set.  - xx/xx/xxxx

 Document Uploaded. Lock Change Request was provided showing No AUS. Condition resolved. - xx/xx/xxxx

Lock Change Request was provided showing No AUS.  Condition resolved. - xx/xx/xxxx

I’m currently showing this file as No AUS / Manual UW, and the lock form aligns with what we have on file. As a precaution, I revalidated the lock, and can confirm we are still aligned with thexx/xx/xxxxpdate  - xx/xx/xxxx

Condition upheld.  Provide the corrected Lock Confirmation from xxxxxx. - xx/xx/xxxx

Attached - xx/xx/xxxx

Condition upheld.  The xxxxxx Lock Confirmation in file states the loan is DU Approved.  Subject loan is DSCR. Provided corrected xxxxxx lock. - xx/xx/xxxx

This was submitted and should be all set.  - xx/xx/xxxx

 2026-06-22 17:49 Resolved 3 1 3 1
4000127599 xx/xx/xxxx xxxxx xxxxx SC Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9517209 4 of 5 xx/xx/xxxx Credit Asset 1 Does Not Meet Guideline Requirements Asset does not meet G/L Requirements. Per guidelines, when using business assets, the borrowers on the loan must have a minimum of 25% ownership of the business and must be owners on the business account. The borrower is only 10% owner of the business associated with the checking account listed first on the final 1003.  The Assignment of Membership Interest in the file (Item 2) states that the interest is being transferred to a different business than the one listed on the agreement. Per guidelines, the balance of the business assets must be multiplied by the ownership percentage to determine the owner’s portion of business assets allowed for the transaction. When only using 10% of the funds in this account the borrower is short on cash to close $xxxxxx  and reserves $7984.71.

I have been asked to have this escalated as what I provided should be acceptable and not on hold:  If #1 below is regarding ownership in xxxxxx  – borrower owns 100%: per the Assignment of membership in the file, borrower received the rest of the 90% and added to the existing 10% ownership, making our borrower 100% owner of the xxxxxx .  - xx/xx/xxxx
 Borrower owns 100% per the assignment of membership in the file; borrower received the rest of the 90% and added to the existing 10% ownership making our borrower 100% owner of the xxxxxx  - xx/xx/xxxx
 Per the Assignment of membership in the file, borrower received the rest of the 90% and added to the existing 10% ownership, making our borrower 100% owner of the xxxxxx .  Condition resolved. - xx/xx/xxxx

Condition on hold pending Borrower identification. - xx/xx/xxxx

I have been asked to have this escalated as what I provided should be acceptable and not on hold:  If #1 below is regarding ownership in xxxxxx  – borrower owns 100%: per the Assignment of membership in the file, borrower received the rest of the 90% and added to the existing 10% ownership, making our borrower 100% owner of the xxxxxx .  - xx/xx/xxxx

Condition on hold pending Borrower identification. - xx/xx/xxxx

Borrower owns 100% per the assignment of membership in the file; borrower received the rest of the 90% and added to the existing 10% ownership making our borrower 100% owner of the xxxxxx  - xx/xx/xxxx

 Per the Assignment of membership in the file, borrower received the rest of the 90% and added to the existing 10% ownership, making our borrower 100% owner of the xxxxxx .  Condition resolved. - xx/xx/xxxx

Condition on hold pending Borrower identification. - xx/xx/xxxx

I have been asked to have this escalated as what I provided should be acceptable and not on hold:  If #1 below is regarding ownership in xxxxxx  – borrower owns 100%: per the Assignment of membership in the file, borrower received the rest of the 90% and added to the existing 10% ownership, making our borrower 100% owner of the xxxxxx .  - xx/xx/xxxx

Condition on hold pending Borrower identification. - xx/xx/xxxx

Borrower owns 100% per the assignment of membership in the file; borrower received the rest of the 90% and added to the existing 10% ownership making our borrower 100% owner of the xxxxxx  - xx/xx/xxxx

 2026-06-22 14:38 Resolved 3 1 3 1
4000122733 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8414998 2 of 2 xx/xx/xxxx Property Missing Doc - Updated Completion Report (442/1004D) Missing The loan file did not contain the updated completion report (442/1004D) as required. The initial appraisal was completed xx/xx/xxxx, but the Note date is xx/xx/xxxx. The appraisal update is located in the loan file, but only includes pages 1-9. Pages 10-43 are missing from the loan file. Please provide all pages of the 1004D with an effective date ofxx/xx/xxxx



 I am not sure what are you looking for. There is a final inspection in the file, which is 7 pages. Also, there is a recert of Value, which is 9 pages. There is no pages 10-43. Please see attached.  - xx/xx/xxxx

 Appraisal Update datedxx/xx/xxxx in file.  Condition resolved. - xx/xx/xxxx

I am not sure what are you looking for. There is a final inspection in the file, which is 7 pages. Also, there is a recert of Value, which is 9 pages. There is no pages 10-43. Please see attached.  - xx/xx/xxxx

 Appraisal Update datedxx/xx/xxxx in file.  Condition resolved. - xx/xx/xxxx

I am not sure what are you looking for. There is a final inspection in the file, which is 7 pages. Also, there is a recert of Value, which is 9 pages. There is no pages 10-43. Please see attached.  - xx/xx/xxxx

 2026-04-02 16:45 Resolved 3 1 3 1
4000128919 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9374929 2 of 8 xx/xx/xxxx Credit Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The loan file contains a VOM; however, there is not a payment history. 



I am confused since on page 94 of the pdf, the 1003 indicates the borrower rents but does not pay any money, which is consistent with the rent free letter that the borrower does not have a housing expense.  - xx/xx/xxxx

 Rent free letter uploaded - xx/xx/xxxx

 Rent Free Letter was provided and located in the loan file. - xx/xx/xxxx

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - xx/xx/xxxx

I am confused since on page 94 of the pdf, the 1003 indicates the borrower rents but does not pay any money, which is consistent with the rent free letter that the borrower does not have a housing expense.  - xx/xx/xxxx

Condition upheld.  Rent Free Letter was provided. Provide a correct 1003 stating no housing expense.  Both Initial and Final 1003 both state the Borrower rents. - xx/xx/xxxx

Rent free letter uploaded - xx/xx/xxxx

 Rent Free Letter was provided and located in the loan file. - xx/xx/xxxx

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - xx/xx/xxxx

I am confused since on page 94 of the pdf, the 1003 indicates the borrower rents but does not pay any money, which is consistent with the rent free letter that the borrower does not have a housing expense.  - xx/xx/xxxx

Condition upheld.  Rent Free Letter was provided. Provide a correct 1003 stating no housing expense.  Both Initial and Final 1003 both state the Borrower rents. - xx/xx/xxxx

Rent free letter uploaded - xx/xx/xxxx

 2026-06-17 16:36 Resolved 3 1 3 1
4000130688 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9579369 4 of 10 xx/xx/xxxx Compliance Missing Doc - Homeownership Counseling Disclosure/Missing Homeownership Counseling Disclosure is missing. Homeownership Counseling Disclosure/Missing



homeownership disc - xx/xx/xxxx

 Homeownership Counseling Disclosure was provided. - xx/xx/xxxx

Received disclosure - xx/xx/xxxx

homeownership disc - xx/xx/xxxx

 Homeownership Counseling Disclosure was provided. - xx/xx/xxxx

Received disclosure - xx/xx/xxxx

homeownership disc - xx/xx/xxxx

 2026-06-09 14:13 Resolved 3 1 4 1
4000126568 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9485907 1 of 3 xx/xx/xxxx Credit Hazard Insurance Policy is Missing Missing hazard insurance policy.

HOI with PIF Receipt - xx/xx/xxxx

 HOI Policy provided.  Condition resolved. - xx/xx/xxxx

Hazard Insurance Policy was provided. - xx/xx/xxxx

HOI with PIF Receipt - xx/xx/xxxx

 HOI Policy provided.  Condition resolved. - xx/xx/xxxx

Hazard Insurance Policy was provided. - xx/xx/xxxx

HOI with PIF Receipt - xx/xx/xxxx

 2026-06-04 14:55 Resolved 3 1 3 1
4000128538 xx/xx/xxxx xxxxx xxxxx FL Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9429482 3 of 3 xx/xx/xxxx Credit Hazard Insurance - Other Insurance Incomplete The policy verifying other property insurance is not complete. Lender to provide Rent Loss coverage equal at least six (6) months of local average monthly rents.  Current coverage is not sufficient.



HOI - xx/xx/xxxx

 Rent loss - xx/xx/xxxx

 Updated HOI Policy provided.  Condition resolved. - xx/xx/xxxx
HOI - xx/xx/xxxx
Condition upheld. Per Statement from Insurance Agent, Rent Loss coverage (Fair Rental Value) is 10% of the dwelling coverage.  The Dwelling Coverage is $xxxxxx .  $xxxxxx  x 10% = $xxxxxx. Monthly rent per the 1007 in file is $xxxxxx.  $xxxxxx x 6 = $xxxxxx.  Current Rent Loss coverage per the HOI Policy in file is not sufficient.   - xx/xx/xxxx
Rent loss - xx/xx/xxxx
 Updated HOI Policy provided.  Condition resolved. - xx/xx/xxxx
HOI - xx/xx/xxxx
Condition upheld. Per Statement from Insurance Agent, Rent Loss coverage (Fair Rental Value) is 10% of the dwelling coverage.  The Dwelling Coverage is $xxxxxx .  $xxxxxx  x 10% = $xxxxxx. Monthly rent per the 1007 in file is $xxxxxx.  $xxxxxx x 6 = $xxxxxx.  Current Rent Loss coverage per the HOI Policy in file is not sufficient.   - xx/xx/xxxx
Rent loss - xx/xx/xxxx
 2026-06-15 13:26 Resolved 3 1 3 1
4000124147 xx/xx/xxxx xxxxx xxxxx PA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9199272 2 of 5 xx/xx/xxxx Compliance Missing Doc - Homeownership Counseling Disclosure/Missing Homeownership Counseling Disclosure is missing.

HOCA - xx/xx/xxxx

 Homeownership Counseling Disclosure was provided. - xx/xx/xxxx

Received disclosure - xx/xx/xxxx

HOCA - xx/xx/xxxx

 Homeownership Counseling Disclosure was provided. - xx/xx/xxxx

Received disclosure - xx/xx/xxxx

HOCA - xx/xx/xxxx

 2026-05-20 13:10 Resolved 3 1 4 1
4000133290 xx/xx/xxxx xxxxx xxxxx MA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9689240 1 of 4 xx/xx/xxxx Credit Hazard Insurance Policy is Missing Missing hazard insurance policy. The loan file is missing the HOI policy. 



Hazard insurance EOI attached - xx/xx/xxxx

 HOI Policy provided.  Condition resolved. - xx/xx/xxxx

Hazard Insurance Policy was provided. - xx/xx/xxxx

Hazard insurance EOI attached - xx/xx/xxxx

 HOI Policy provided.  Condition resolved. - xx/xx/xxxx

Hazard Insurance Policy was provided. - xx/xx/xxxx

Hazard insurance EOI attached - xx/xx/xxxx

 2026-06-14 15:42 Resolved 3 1 3 1
4000132472 xx/xx/xxxx xxxxx xxxxx TX Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9764209 2 of 4 xx/xx/xxxx Credit Hazard Insurance Policy is Partial Hazard insurance policy partially provided. Current policy has the incorrect mortgagee and to be updated to:
xxxxxx  , Its Successors and/or Assigns
xxxxxx

 Hazard insurance attached - xx/xx/xxxx

 Corrected HOI Policy provided.  Condition resolved. - xx/xx/xxxx

Hazard Insurance Policy is fully present - xx/xx/xxxx

Hazard insurance attached - xx/xx/xxxx

 Corrected HOI Policy provided.  Condition resolved. - xx/xx/xxxx

Hazard Insurance Policy is fully present - xx/xx/xxxx

Hazard insurance attached - xx/xx/xxxx

 2026-06-23 18:50 Resolved 3 1 3 1
4000120227 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9393853 3 of 11 xx/xx/xxxx Credit Income - Documentation Expired The loan file contained income documentation which was expired as of closing. Lender to provide an update Yxxxxxx profit and loss statement. Current one is expired. Per the guideline datedxx/xx/xxxxectionxx/xx/xxxx2 the P & L statement end date must be within 60 days of closing. The one in file the end date isxx/xx/xxxxNote is datedxx/xx/xxxx



Guidelines attached, see page 34. - xx/xx/xxxx

 

Document Uploaded.  - xx/xx/xxxx

 For Balxxxxxx program, our guide shows 120 days expiration.  Please waive. - xx/xx/xxxx

 xxxxxx GL state 120 days of closing. Condition waived.  - xx/xx/xxxx

Condition upheld.  P&L is not Year to Date as Guidelines require.  CPA signed the P&L onxx/xx/xxxx, yet the P&L is fromxx/xx/xxxx toxx/xx/xxxx.  To date would be throughxx/xx/xxxx and beyond per the CPA signature date on it. - xx/xx/xxxx

Document Uploaded.  - xx/xx/xxxx

Condition upheld.  Unable to locate in the Balxxxxxxxx/xx/xxxx Guideline.  The Guidelines states:  Required Documentation if utilizing a Profit and Loss Statement for income validation: • Profit and loss covering the most recent previous 12 or 24 months, valid if the most recent month is dated within 90 days of close completed
and reviewed by a CPA, Enrolled Agent, CTEC, Chartered Tax Advisor or Independent Licensed Accountant. The most recent month from the P&L isxx/xx/xxxx.  Loan disbursedxx/xx/xxxx which is greater than 90 days. - xx/xx/xxxx

For Balxxxxxx program, our guide shows 120 days expiration.  Please waive. - xx/xx/xxxx

 xxxxxx GL state 120 days of closing. Condition waived.  - xx/xx/xxxx

Condition upheld.  P&L is not Year to Date as Guidelines require.  CPA signed the P&L onxx/xx/xxxx, yet the P&L is fromxx/xx/xxxx toxx/xx/xxxx.  To date would be throughxx/xx/xxxx and beyond per the CPA signature date on it. - xx/xx/xxxx

Document Uploaded.  - xx/xx/xxxx

Condition upheld.  Unable to locate in the Balxxxxxxxx/xx/xxxx Guideline.  The Guidelines states:  Required Documentation if utilizing a Profit and Loss Statement for income validation: • Profit and loss covering the most recent previous 12 or 24 months, valid if the most recent month is dated within 90 days of close completed
and reviewed by a CPA, Enrolled Agent, CTEC, Chartered Tax Advisor or Independent Licensed Accountant. The most recent month from the P&L isxx/xx/xxxx.  Loan disbursedxx/xx/xxxx which is greater than 90 days. - xx/xx/xxxx

For Balxxxxxx program, our guide shows 120 days expiration.  Please waive. - xx/xx/xxxx

 2026-06-09 12:33 Resolved 3 1 4 1
4000127091 xx/xx/xxxx xxxxx xxxxx NC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9913847 3 of 3 xx/xx/xxxx Credit Corporation/LLC: Certificate of Good Standing Doc is Missing The loan file does not contain the Corporation/LLC: Certificate of Good Standing. Per guidelines, Certificate of Good Standing must be dated within 30 days of closing. The document located in the loan file is datedxx/xx/xxxxbut the Note date isxx/xx/xxxx



 good standing - xx/xx/xxxx

 Certificate of Good Standing provided.  Condition resolved. - xx/xx/xxxx

good standing - xx/xx/xxxx

 Certificate of Good Standing provided.  Condition resolved. - xx/xx/xxxx

good standing - xx/xx/xxxx

 2026-06-26 18:55 Resolved 3 1 3 1
4000132619 xx/xx/xxxx xxxxx xxxxx IL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9592673 1 of 5 xx/xx/xxxx Credit Gift Letter - Donor Qualification The gift donor does not qualify under the terms of the applicable guidelines. The identifiers on the gift funds wire show the xxxxxx  as xxxxxx . Confirmation the funds of $xxxxxx  wired to closing is from the same donor on the gift funds letter provided.

Gift Wire receipt shows donor as xxxxxx . - xx/xx/xxxx
 Evidence provided.  Condition resolved. - xx/xx/xxxx

Gift Wire receipt shows donor as xxxxxx . - xx/xx/xxxx

 Evidence provided.  Condition resolved. - xx/xx/xxxx

Gift Wire receipt shows donor as xxxxxx . - xx/xx/xxxx

 2026-06-11 14:26 Resolved 2 1 3 1
4000129010 xx/xx/xxxx xxxxx xxxxx IL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9436967 1 of 5 xx/xx/xxxx Credit Gift Letter - Missing A required gift letter was missing from the file and/or the donor funds were not verified. The loan file is missing the required Gift Letter to support the documented gift funds. A Letter of Explanation has been provided indicating that the transferred funds were received as a gift from a family member; however, the required Gift Letter has not been included in the file.



Gift Letter provided - xx/xx/xxxx

 Executed Gift Letter was provided.  Condition resolved. - xx/xx/xxxx

Gift Letter provided - xx/xx/xxxx

 Executed Gift Letter was provided.  Condition resolved. - xx/xx/xxxx

Gift Letter provided - xx/xx/xxxx

 2026-06-05 12:48 Resolved 3 1 3 1
4000120506 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8660477 1 of 7 xx/xx/xxxx Credit Borrower 1 Gap Credit Report is Missing Borrower 1 Gap Credit Report is Missing CR age on Note date  114 calendar days



Gap Report Provided - xx/xx/xxxx

 UDN - xx/xx/xxxx

 Borrower 1 Gap Credit Report is not missing. - xx/xx/xxxx

Gap Report Provided - xx/xx/xxxx

UDN - xx/xx/xxxx

 Borrower 1 Gap Credit Report is not missing. - xx/xx/xxxx

Gap Report Provided - xx/xx/xxxx

UDN - xx/xx/xxxx

 2026-04-17 17:53 Resolved 4 1 4 1
4000133756 xx/xx/xxxx xxxxx xxxxx NC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9821905 3 of 8 xx/xx/xxxx Credit Title Document Missing Title document is missing. The loan file is missing the title documentation. 



Full title package attached - xx/xx/xxxx

 Title without 24 month chain documented and Lien was provided.  Additional Condition was added for such.  Condition resolved. - xx/xx/xxxx

Title document is fully present - xx/xx/xxxx

Full title package attached - xx/xx/xxxx

 Title without 24 month chain documented and Lien was provided.  Additional Condition was added for such.  Condition resolved. - xx/xx/xxxx

Title document is fully present - xx/xx/xxxx

Full title package attached - xx/xx/xxxx

 2026-06-22 17:02 Resolved 3 1 3 1
4000136388 xx/xx/xxxx xxxxx xxxxx NC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 10103665 1 of 4 xx/xx/xxxx Credit Hazard Insurance Policy is Partial Hazard insurance policy partially provided. The loan file does not contain rent loss insurance.



Full EOI with rent loss (Business Income) attached. - xx/xx/xxxx

 Corrected HOI Policy provided.  Condition resolved. - xx/xx/xxxx

Hazard Insurance Policy is fully present - xx/xx/xxxx

Full EOI with rent loss (Business Income) attached. - xx/xx/xxxx

 Corrected HOI Policy provided.  Condition resolved. - xx/xx/xxxx

Hazard Insurance Policy is fully present - xx/xx/xxxx

Full EOI with rent loss (Business Income) attached. - xx/xx/xxxx

 2026-07-13 20:27 Resolved 3 1 3 1
4000129010 xx/xx/xxxx xxxxx xxxxx IL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9437199 4 of 5 xx/xx/xxxx Credit Assets - Authorization Access for Joint Account The file does not contain authorization access for funds from joint account holder.  The loan file contains the Borrower'sxxxxxxjoint checking account #xxxxxx  statement: however, the required access letter from the other account holder is not present in the loan file.  The loan file does not contain a lender approved exception. 
Full Access letter from Mother for Account xxxxxx  - xx/xx/xxxx

 Access Letter provided.  Condition resolved. - xx/xx/xxxx

Full Access letter from Mother for Account xxxxxx  - xx/xx/xxxx

 Access Letter provided.  Condition resolved. - xx/xx/xxxx

Full Access letter from Mother for Account xxxxxx  - xx/xx/xxxx

 2026-06-05 12:22 Resolved 3 1 3 1
4000122586 xx/xx/xxxx xxxxx xxxxx MA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8554208 1 of 4 xx/xx/xxxx Credit Title Document Missing Title document is missing. Lender to provide the most recent title commitment including the Loan amount of $xxxxxx

FTP - xx/xx/xxxx

 Title Policy provided.  Condition resolved. - xx/xx/xxxx

Title document is fully present - xx/xx/xxxx

FTP - xx/xx/xxxx

 Title Policy provided.  Condition resolved. - xx/xx/xxxx

Title document is fully present - xx/xx/xxxx

FTP - xx/xx/xxxx

 2026-04-17 16:11 Resolved 3 1 3 1
4000125893 xx/xx/xxxx xxxxx xxxxx GA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9201355 2 of 5 xx/xx/xxxx Credit Assets - Miscellaneous The loan file does not contain all required asset documentation. Lender to verify the proceeds from the sale of the departing residence. Please provide the wire confirmation or receipt showing funds sent to the closing attorney, or the borrower’s most recent bank statement reflecting the deposit of the sale proceeds if the funds were deposited into the borrower’s account rather than sent directly to escrow.



from UW please clear:

This is not a gift they are in a contract with XX XXXX, they paid off their mortgage and agreed if the borrower does not sale the home in a certain amount of time that xx xxxxxwill purchase it. Please dispute - xx/xx/xxxx
 pccd - xx/xx/xxxx
 Condition upheld.  Provide the PCCD for the subject Transaction.  Borrower wired xxxxxx  to title from xxxxxx .  What were those funds used for?  There is no credit for a wire on the subject CD. - xx/xx/xxxx
 per UW the documents attached is sufficient to clear which shows wire, closing atty info terms of xx xxxxx - xx/xx/xxxx
 wire - xx/xx/xxxx
 Funds used were from a Bridge Loan on previous residence that sold.  Condition resolved. - xx/xx/xxxx
Funds used were from a Bridge Loan on previous residence that sold.  Condition resolved. - xx/xx/xxxx
from UW please clear:

This is not a gift they are in a contract with XX XXXX, they paid off their mortgage and agreed if the borrower does not sale the home in a certain amount of time that xx xxxxxwill purchase it. Please dispute - xx/xx/xxxx
Condition upheld.  Provide the required Gift Letter for the $xxxxxx .  Additional conditions may apply. - xx/xx/xxxx
pccd - xx/xx/xxxx
Condition upheld. Provide the PCCD for the subject Transaction. Borrower wired xxxxxx  to title from xxxxxx . What were those funds used for? There is no credit for a wire on the subject CD. - xx/xx/xxxx
Condition upheld.  Provide the PCCD for the subject Transaction.  Borrower wired xxxxxx  to title from xxxxxx .  What were those funds used for?  There is no credit for a wire on the subject CD. - xx/xx/xxxx
per UW the documents attached is sufficient to clear which shows wire, closing atty info terms of xx xxxxx - xx/xx/xxxx
Condition upheld. Provide PCCD.  Per Wire provided, $xxxxxx  was sent to Title.  CD provided shows no credit and Borrower's funds to close is only xxxxxx . - xx/xx/xxxx
wire - xx/xx/xxxx
 Funds used were from a Bridge Loan on previous residence that sold.  Condition resolved. - xx/xx/xxxx
Funds used were from a Bridge Loan on previous residence that sold.  Condition resolved. - xx/xx/xxxx
from UW please clear:

This is not a gift they are in a contract with XX XXXXXX, they paid off their mortgage and agreed if the borrower does not sale the home in a certain amount of time that xx xxxxxwill purchase it. Please dispute - xx/xx/xxxx
Condition upheld.  Provide the required Gift Letter for the $xxxxxx .  Additional conditions may apply. - xx/xx/xxxx
pccd - xx/xx/xxxx
Condition upheld. Provide the PCCD for the subject Transaction. Borrower wired xxxxxx  to title from xxxxxx . What were those funds used for? There is no credit for a wire on the subject CD. - xx/xx/xxxx
Condition upheld.  Provide the PCCD for the subject Transaction.  Borrower wired xxxxxx  to title from xxxxxx .  What were those funds used for?  There is no credit for a wire on the subject CD. - xx/xx/xxxx
per UW the documents attached is sufficient to clear which shows wire, closing atty info terms of xx xxxxx - xx/xx/xxxx
Condition upheld. Provide PCCD.  Per Wire provided, $xxxxxx  was sent to Title.  CD provided shows no credit and Borrower's funds to close is only xxxxxx . - xx/xx/xxxx
wire - xx/xx/xxxx
 2026-06-22 19:43 Resolved 3 1 3 1
4000135041 xx/xx/xxxx xxxxx xxxxx WA Second Home Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9898646 3 of 5 xx/xx/xxxx Credit Third Party Fraud Report not Provided Missing third party fraud report.

Fraudreport  - xx/xx/xxxx

 Fraud Report provided.  Condition resolved. - xx/xx/xxxx

Third party fraud report is provided - xx/xx/xxxx

Fraudreport  - xx/xx/xxxx

 Fraud Report provided.  Condition resolved. - xx/xx/xxxx

Third party fraud report is provided - xx/xx/xxxx

Fraudreport  - xx/xx/xxxx

 2026-06-25 21:09 Resolved 3 1 3 1
4000107280 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 7342539 1 of 2 xx/xx/xxxx Credit Third Party Fraud Report not Provided Missing third party fraud report. Missing evidence of third party fraud report. 



Fraud report uploaded - xx/xx/xxxx

 Fraud Report provided.  Condition resolved. - xx/xx/xxxx

Third party fraud report is provided - xx/xx/xxxx

Fraud report uploaded - xx/xx/xxxx

 Fraud Report provided.  Condition resolved. - xx/xx/xxxx

Third party fraud report is provided - xx/xx/xxxx

Fraud report uploaded - xx/xx/xxxx

 2026-01-30 21:05 Resolved 3 1 4 1
4000127460 xx/xx/xxxx xxxxx xxxxx NJ Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9163090 2 of 5 xx/xx/xxxx Credit Third Party Fraud Report not Provided Missing third party fraud report. The loan file is missing the Fraud report. 



Fraud Report provided.  Condition resolved. - xx/xx/xxxx

 see attached  - xx/xx/xxxx

 Fraud Report provided. Condition resolved. - xx/xx/xxxx

Fraud Report provided.  Condition resolved. - xx/xx/xxxx

Third party fraud report is provided - xx/xx/xxxx

see attached  - xx/xx/xxxx

 Fraud Report provided. Condition resolved. - xx/xx/xxxx

Fraud Report provided.  Condition resolved. - xx/xx/xxxx

Third party fraud report is provided - xx/xx/xxxx

see attached  - xx/xx/xxxx

 2026-05-21 14:19 Resolved 3 1 4 1
4000129734 xx/xx/xxxx xxxxx xxxxx PA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9526282 1 of 3 xx/xx/xxxx Credit Third Party Fraud Report not Provided Missing third party fraud report. Lender to provide a 3rd party clear fraud report including all interested parties in the loan transaction 



Fraud report provided.  - xx/xx/xxxx

 see attached fraud report  - xx/xx/xxxx

 Third party fraud report is provided - xx/xx/xxxx

Fraud report provided.  - xx/xx/xxxx

see attached fraud report  - xx/xx/xxxx

 Third party fraud report is provided - xx/xx/xxxx

Fraud report provided.  - xx/xx/xxxx

see attached fraud report  - xx/xx/xxxx

 2026-06-08 15:28 Resolved 3 1 3 1
4000127933 xx/xx/xxxx xxxxx xxxxx TX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9402389 1 of 3 xx/xx/xxxx Credit Third Party Fraud Report not Provided Missing third party fraud report.

Fraud Report attached - xx/xx/xxxx

 DataVerify - xx/xx/xxxx

 Cleared Fraud Report provided.  Condition resolved. - xx/xx/xxxx

Third party fraud report is provided - xx/xx/xxxx

Fraud Report attached - xx/xx/xxxx

Condition upheld.  Fraud Report provided is Auto-Refer, has several High Risk conditions that are not cleared, and several OFAC, GSA-EPLS Fails not addressed.  Provide cleared Fraud Report. - xx/xx/xxxx

DataVerify - xx/xx/xxxx

 Cleared Fraud Report provided.  Condition resolved. - xx/xx/xxxx

Third party fraud report is provided - xx/xx/xxxx

Fraud Report attached - xx/xx/xxxx

Condition upheld.  Fraud Report provided is Auto-Refer, has several High Risk conditions that are not cleared, and several OFAC, GSA-EPLS Fails not addressed.  Provide cleared Fraud Report. - xx/xx/xxxx

DataVerify - xx/xx/xxxx

 2026-06-04 17:43 Resolved 3 1 3 1
4000128915 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9182923 1 of 6 xx/xx/xxxx Credit Third Party Fraud Report not Provided Missing third party fraud report. The loan file is missing the fraud report. 



Fraud report and SSA-89 uploaded - xx/xx/xxxx

 Fraud Report and SSN verification was provided.  Condition resolved. - xx/xx/xxxx

Third party fraud report is provided - xx/xx/xxxx

Fraud report and SSA-89 uploaded - xx/xx/xxxx

 Fraud Report and SSN verification was provided.  Condition resolved. - xx/xx/xxxx

Third party fraud report is provided - xx/xx/xxxx

Fraud report and SSA-89 uploaded - xx/xx/xxxx

 2026-05-18 17:59 Resolved 3 1 3 2
4000131019 xx/xx/xxxx xxxxx xxxxx IL Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9614897 9 of 12 xx/xx/xxxx Credit Third Party Fraud Report not Provided Missing third party fraud report. The Fraud Report is missing in the loan file.



Fraud report  - xx/xx/xxxx

 Fraud Report provided.  Condition resolved. - xx/xx/xxxx

Third party fraud report is provided - xx/xx/xxxx

Fraud report  - xx/xx/xxxx

 Fraud Report provided.  Condition resolved. - xx/xx/xxxx

Third party fraud report is provided - xx/xx/xxxx

Fraud report  - xx/xx/xxxx

 2026-06-11 14:05 Resolved 3 1 4 1
4000133497 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9714705 2 of 5 xx/xx/xxxx Credit Third Party Fraud Report not Provided Missing third party fraud report. Lender to provide the 3rd party fraud report including all interested parties in the loan transaction.



Fraud provided - xx/xx/xxxx

 Background check and OFAC reports for both the entity and guarantor attached. - xx/xx/xxxx

 OFAC's for the borrower and entity attached - xx/xx/xxxx

 Third party fraud report is provided - xx/xx/xxxx

Fraud provided - xx/xx/xxxx

Background check and OFAC reports for both the entity and guarantor attached. - xx/xx/xxxx

Condition upheld. Provide the missing Fraud Report. - xx/xx/xxxx

OFAC's for the borrower and entity attached - xx/xx/xxxx

 Third party fraud report is provided - xx/xx/xxxx

Fraud provided - xx/xx/xxxx

Background check and OFAC reports for both the entity and guarantor attached. - xx/xx/xxxx

Condition upheld. Provide the missing Fraud Report. - xx/xx/xxxx

OFAC's for the borrower and entity attached - xx/xx/xxxx

 2026-06-16 21:23 Resolved 3 1 3 1
4000132485 xx/xx/xxxx xxxxx xxxxx TN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9608439 2 of 4 xx/xx/xxxx Credit Third Party Fraud Report not Provided Missing third party fraud report.

fraud - xx/xx/xxxx

 Fraud Report provided.  Condition resolved. - xx/xx/xxxx

fraud - xx/xx/xxxx

 Fraud Report provided.  Condition resolved. - xx/xx/xxxx

fraud - xx/xx/xxxx

 2026-06-10 20:39 Resolved 3 1 3 2
4000133539 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9795959 4 of 5 xx/xx/xxxx Credit All Interested Parties Not Checked with Exclusionary Lists All interested parties not checked with exclusionary lists. The OFAC/LDP/GSA for the NBS is missing in the loan file.
 



 Fraud - xx/xx/xxxx

 Fraud Report cleared.  Condition resolved. - xx/xx/xxxx

All Interested Parties Checked against Exclusionary Lists - xx/xx/xxxx

Fraud - xx/xx/xxxx

 Fraud Report cleared.  Condition resolved. - xx/xx/xxxx

All Interested Parties Checked against Exclusionary Lists - xx/xx/xxxx

Fraud - xx/xx/xxxx

 2026-06-25 13:05 Resolved 3 1 3 1
4000133914 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9937668 1 of 3 xx/xx/xxxx Credit Third Party Fraud Report Partially Provided Third party fraud report partially provided. The alert summary is located in the loan file, but the full fraud report is missing.



fraud - xx/xx/xxxx

 Fraud Report provided. Condition resolved. - xx/xx/xxxx

Third Party Fraud Report is fully present - xx/xx/xxxx

fraud - xx/xx/xxxx

 Fraud Report provided. Condition resolved. - xx/xx/xxxx

Third Party Fraud Report is fully present - xx/xx/xxxx

fraud - xx/xx/xxxx

 2026-06-27 03:25 Resolved 3 1 3 1
4000117843 xx/xx/xxxx xxxxx xxxxx TX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 7900478 1 of 3 xx/xx/xxxx Property Missing Doc - 3rd Party Valuation Product/Missing The loan file did not contain the required 3rd party valuation product. The loan was FNMA approved, but the Collateral Underwriter Risk Score is xxxxxx, which is outside the guideline requirement of xxxxxx or less. Please provide a valid 3rd party valuation review product.

For the third-party valuation, please consider 1st appraisal report that was already obtained on the file.

- Two independent reports are submitted.

- The variance between values is less than 5%.

- Loan terms are based on purchase price which is below both the appraised values

.- The guidelines says that Desk review and other review products are not required for loans with two (2) appraisals.

Given the above, the appraisal adequately serves the purpose of secondary valuation. - xx/xx/xxxx

 We have Desk report, first appraisal and second appraisal. - xx/xx/xxxx

 1007 from Appraiser used as for valuation was provided.  Condition resolved. - xx/xx/xxxx
Condition upheld.  Condition has been escalated to xxxxxx/xxxxxx  and the response is: The Appraisal being used for value needs to have a 1007 which will be used as well.  Provide completed appraisal with 1007 or an approved exception from xxxxxx through the Portal. - xx/xx/xxxx
For the third-party valuation, please consider 1st appraisal report that was already obtained on the file.
- Two independent reports are submitted.
- The variance between values is less than 5%.
- Loan terms are based on purchase price which is below both the appraised values
.- The guidelines says that Desk review and other review products are not required for loans with two (2) appraisals.
Given the above, the appraisal adequately serves the purpose of secondary valuation. - xx/xx/xxxx
Condition upheld.  Per Guidelines, provide a CDA to support the Appraised value of $xxxxxx as the SSR's exceed xxxxxx.  The Desk Review provided does not support the Sales Price. - xx/xx/xxxx
We have Desk report, first appraisal and second appraisal. - xx/xx/xxxx
 1008 from Appraiser used as for valuation was provided.  Condition resolved. - xx/xx/xxxx

Condition upheld.  Condition has been escalated to xxxxxx/xxxxxx  and the response is: The Appraisal being used for value needs to have a 1007 which will be used as well.  Provide completed appraisal with 1007 or an approved exception from xxxxxx through the Portal. - xx/xx/xxxx

For the third-party valuation, please consider 1st appraisal report that was already obtained on the file.

- Two independent reports are submitted.

- The variance between values is less than 5%.

- Loan terms are based on purchase price which is below both the appraised values

.- The guidelines says that Desk review and other review products are not required for loans with two (2) appraisals.

Given the above, the appraisal adequately serves the purpose of secondary valuation. - xx/xx/xxxx

Condition upheld.  Per Guidelines, provide a CDA to support the Appraised value of $xxxxxx as the SSR's exceed xxxxxx.  The Desk Review provided does not support the Sales Price. - xx/xx/xxxx

We have Desk report, first appraisal and second appraisal. - xx/xx/xxxx

 2026-04-06 16:04 Resolved 3 1 3 1
4000130512 xx/xx/xxxx xxxxx xxxxx OH Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9638659 3 of 3 xx/xx/xxxx Credit Hazard Insurance - Other Insurance Incomplete The policy verifying other property insurance is not complete. Lender to provide proof of rent loss insurance as required per guidelines.



For the subject it shows that it is for Business & Operations, if you refer to page 5 it states 12months of coverage included in the policy, all other properties are escrowed.  - xx/xx/xxxx

 Please see attached guides lines as we provided the mortgage statement showing that all properties are escrowed and included in our calculation.  - xx/xx/xxxx

 Condition resolved. - xx/xx/xxxx

For the subject it shows that it is for Business & Operations, if you refer to page 5 it states 12months of coverage included in the policy, all other properties are escrowed.  - xx/xx/xxxx

Condition upheld.  Per Guidelines: Rent loss insurance for the subject property is required and must equal at least six (6) months of local average monthly rents.  Condition is for the subject property. - xx/xx/xxxx

Please see attached guides lines as we provided the mortgage statement showing that all properties are escrowed and included in our calculation.  - xx/xx/xxxx

 Condition resolved. - xx/xx/xxxx

For the subject it shows that it is for Business & Operations, if you refer to page 5 it states 12months of coverage included in the policy, all other properties are escrowed.  - xx/xx/xxxx

Condition upheld.  Per Guidelines: Rent loss insurance for the subject property is required and must equal at least six (6) months of local average monthly rents.  Condition is for the subject property. - xx/xx/xxxx

Please see attached guides lines as we provided the mortgage statement showing that all properties are escrowed and included in our calculation.  - xx/xx/xxxx

 2026-06-14 16:01 Resolved 3 1 3 1
4000128701 xx/xx/xxxx xxxxx xxxxx TX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9312798 1 of 3 xx/xx/xxxx Compliance Late Charge Grace Period is less than 10 days Late charge grace period is less than 10 days.

For a commercial mortgage loan in xxxxxx, there is no xxxxxx statute that requires a minimum number of days to pass before a late fee may be assessed - xx/xx/xxxx

 Loan is a commercial loan - xx/xx/xxxx

For a commercial mortgage loan in xxxxxx, there is no xxxxxx statute that requires a minimum number of days to pass before a late fee may be assessed - xx/xx/xxxx

 Loan is a commercial loan - xx/xx/xxxx

For a commercial mortgage loan in xxxxxx, there is no xxxxxx statute that requires a minimum number of days to pass before a late fee may be assessed - xx/xx/xxxx

 2026-06-05 13:43 Resolved 3 1 3 1
4000131503 xx/xx/xxxx xxxxx xxxxx PA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9579153 3 of 6 xx/xx/xxxx Credit Flood Insurance Policy Missing Missing flood insurance policy. Please provide the flood policy for the subject property



FLOOD POLICY  - xx/xx/xxxx

 Flood Policy provided.  Condition resolved. - xx/xx/xxxx

Flood Insurance Policy is fully present - xx/xx/xxxx

FLOOD POLICY  - xx/xx/xxxx

 Flood Policy provided.  Condition resolved. - xx/xx/xxxx

Flood Insurance Policy is fully present - xx/xx/xxxx

FLOOD POLICY  - xx/xx/xxxx

 2026-06-12 19:22 Resolved 3 1 4 1
4000102512 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 6421927 2 of 5 xx/xx/xxxx Credit Flood Certificate Missing Missing flood certificate.

Flood Cert attached - xx/xx/xxxx

 Flood Cert provided.  Condition resolved. - xx/xx/xxxx

Flood Certificate is fully present - xx/xx/xxxx

Flood Cert attached - xx/xx/xxxx

 Flood Cert provided.  Condition resolved. - xx/xx/xxxx

Flood Certificate is fully present - xx/xx/xxxx

Flood Cert attached - xx/xx/xxxx

 2025-12-09 16:11 Resolved 4 1 4 1
400012xxxxxx xx/xx/xxxx xxxxx xxxxx ID Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9525914 3 of 3 xx/xx/xxxx Compliance Note Indicates Interest Only Terms but Loan not Approved as an Interest Only Program or Program does Not Allow for Interest Only Terms The note is interest only but the loan itself was a fixed rate.

Fixed Note - xx/xx/xxxx

 Received correct note, fixed rate w/ prepayment penalty that matches all other documents in the file.  - xx/xx/xxxx

Fixed Note - xx/xx/xxxx

 Received correct note, fixed rate w/ prepayment penalty that matches all other documents in the file.  - xx/xx/xxxx

Fixed Note - xx/xx/xxxx

 2026-06-04 13:13 Resolved 3 1 3 1
4000118618 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8436325 1 of 4 xx/xx/xxxx Credit Final Settlement Statement Missing. The final Settlement Statement document is missing.

final statement - xx/xx/xxxx

 Final Settlement Statement provided.  Condition resolved. - xx/xx/xxxx

Final HUD-1 Document is not missing or estimated only. - xx/xx/xxxx

final statement - xx/xx/xxxx

 Final Settlement Statement provided.  Condition resolved. - xx/xx/xxxx

Final HUD-1 Document is not missing or estimated only. - xx/xx/xxxx

final statement - xx/xx/xxxx

 2026-04-06 18:36 Resolved 3 1 3 1
4000121221 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8594374 1 of 3 xx/xx/xxxx Credit Final Settlement Statement Missing. The final Settlement Statement document is missing. Lender to provide the fully executed final CD, HUD or Alta settlement statement to verify cash to close/cash back. 



FINAL HUD - xx/xx/xxxx

 Executed Final Settlement Statement was provided.  Condition resolved. - xx/xx/xxxx

Final HUD-1 Document is not missing or estimated only. - xx/xx/xxxx

FINAL HUD - xx/xx/xxxx

 Executed Final Settlement Statement was provided.  Condition resolved. - xx/xx/xxxx

Final HUD-1 Document is not missing or estimated only. - xx/xx/xxxx

FINAL HUD - xx/xx/xxxx

 2026-04-14 21:17 Resolved 3 1 3 1
4000128882 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9541149 3 of 3 xx/xx/xxxx Credit Asset 2 Does Not Meet Guideline Requirements Asset does not meet G/L Requirements. missing documentation for the xxxxxx  secured loan used for cash to close

Final CD from sale of other property  - xx/xx/xxxx

 CD from sale was provided and located in the loan file.  Condition resolved. - xx/xx/xxxx

Asset Record 2 Meets G/L Requirements Or Not Applicable - xx/xx/xxxx

Final CD from sale of other property  - xx/xx/xxxx

 CD from sale was provided and located in the loan file.  Condition resolved. - xx/xx/xxxx

Asset Record 2 Meets G/L Requirements Or Not Applicable - xx/xx/xxxx

Final CD from sale of other property  - xx/xx/xxxx

 2026-06-05 17:27 Resolved 3 1 3 1
4000132212 xx/xx/xxxx xxxxx xxxxx IL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9588744 1 of 5 xx/xx/xxxx Credit Housing History Does Not Meet Guideline Requirements Housing history does not meet guideline requirements. Per the F1003 there is a 2nd lien on the primary residence with AML-1922 - the VOM/CD (if new) for this mortgage is missing. The MTG with xxxxxx  was transferredxx/xx/xxxx the DLA isxx/xx/xxxxThe current mortgage loan closedxx/xx/xxxx, the credit reports provided do not support the transferred mortgage to confirm it's current.

Final CD and Note for new loan were provided.  Condition resolved. - xx/xx/xxxx
 FCD Note for REO - xx/xx/xxxx
 The current lien for the primary housing is with xxxxxx  Credit. We are omitting that liability as the borrower is currently doing a Cash-Out Refinance with us which closed xxxxxx. - xx/xx/xxxx
 Final CD and Note for new loan were provided. Condition resolved. - xx/xx/xxxx
Final CD and Note for new loan were provided.  Condition resolved. - xx/xx/xxxx
Housing history meets guideline requirements. - xx/xx/xxxx
FCD Note for REO - xx/xx/xxxx
Condition upheld.  Provide a copy of the Final CD, and Note(s) for the cited new transaction. - xx/xx/xxxx
The current lien for the primary housing is with xxxxxx  Credit. We are omitting that liability as the borrower is currently doing a Cash-Out Refinance with us which closed xxxxxx - xx/xx/xxxx
 Final CD and Note for new loan were provided. Condition resolved. - xx/xx/xxxx
Final CD and Note for new loan were provided.  Condition resolved. - xx/xx/xxxx
Housing history meets guideline requirements. - xx/xx/xxxx
FCD Note for REO - xx/xx/xxxx
Condition upheld.  Provide a copy of the Final CD, and Note(s) for the cited new transaction. - xx/xx/xxxx
The current lien for the primary housing is with xxxxxx  Credit. We are omitting that liability as the borrower is currently doing a Cash-Out Refinance with us which closed xxxxxx. - xx/xx/xxxx
 2026-06-12 18:43 Resolved 3 1 3 1
4000132175 xx/xx/xxxx xxxxx xxxxx ID Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9742042 1 of 4 xx/xx/xxxx Credit Hazard Insurance Effective Date is after the Disbursement Date Hazard insurance effective date is after the disbursement date. Note datedxx/xx/xxxx and Hazard policy effectivexx/xx/xxxx



File didn't fund until xxxxxx, Please see final settlement statement showing date file funded  - xx/xx/xxxx
 effective date isxx/xx/xxxx, disbursement date isxx/xx/xxxx.  Condition resolved. - xx/xx/xxxx
Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or the Date(s) Are Not Provided - xx/xx/xxxx
File didn't fund until xxxxxx, Please see final settlement statement showing date file funded  - xx/xx/xxxx
 effective date isxx/xx/xxxx, disbursement date isxx/xx/xxxx.  Condition resolved. - xx/xx/xxxx
Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or the Date(s) Are Not Provided - xx/xx/xxxx
File didn't fund until xxxxxx, Please see final settlement statement showing date file funded  - xx/xx/xxxx
 2026-06-16 19:59 Resolved 3 1 3 1
4000122586 xx/xx/xxxx xxxxx xxxxx MA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8554610 2 of 4 xx/xx/xxxx Property Missing Doc - 3rd Party Valuation Product/Missing The loan file did not contain the required 3rd party valuation product. Lender to provide the 3rd party valuation to support the appraised value of $ xxxxxx

Fannie SSR - CU score below 1 - please waive - xx/xx/xxxx

 CU with score of 1 was provided.  Condition resolved. - xx/xx/xxxx

Fannie SSR - CU score below 1 - please waive - xx/xx/xxxx

 CU with score of 1 was provided.  Condition resolved. - xx/xx/xxxx

Fannie SSR - CU score below 1 - please waive - xx/xx/xxxx

 2026-04-13 14:51 Resolved 3 1 3 1
4000132714 xx/xx/xxxx xxxxx xxxxx NC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9770539 3 of 4 xx/xx/xxxx Credit Missing Lease Agreement The extension for the lease for xxxxxx  that reflects the monthly rent of $xxxxxx  is missing from the loan file. 
Extension was never drafted by the borrower.  The current leased rent for this unit is xxxxxx  as seen on the attached tenant statement. - xx/xx/xxxx
 The seller provided a month to month rental history for the rental property - xx/xx/xxxx

Extension was never drafted by the borrower.  The current leased rent for this unit is xxxxxx  as seen on the attached tenant statement. - xx/xx/xxxx

 The seller provided a month to month rental history for the rental property - xx/xx/xxxx

Extension was never drafted by the borrower.  The current leased rent for this unit is xxxxxx  as seen on the attached tenant statement. - xx/xx/xxxx

 2026-06-17 13:20 Resolved 3 1 3 1
4000132841 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9707153 2 of 6 xx/xx/xxxx Credit Purchase Contract - Addendum Missing The Purchase Contract Addendum is missing. Per the sales contract executed and accepted xxxxxx  with closing date on on or about 60 days later or xxxxxx . The Note date isxx/xx/xxxx, a lapse of 2 weeks and 4 days. The sales contract addendum to extend the closing date and confirm all terms en force is missing in the loan file. 

Extended  contract addendum is not required. This is not in the guideline.  - xx/xx/xxxx

 xxxxxx Contract states reasonable amount of time. - xx/xx/xxxx
Extended  contract addendum is not required. This is not in the guideline.  - xx/xx/xxxx
 xxxxxx Contract states reasonable amount of time. - xx/xx/xxxx
Extended  contract addendum is not required. This is not in the guideline.  - xx/xx/xxxx
 2026-06-16 14:25 Resolved 2 1 3 1
4000132399 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9717563 2 of 4 xx/xx/xxxx Credit Housing History Does Not Meet Guideline Requirements Housing history does not meet guideline requirements. The mortgage payment history per xxxxxx guides is 0x30x12. There is a 1x30x12 on the HELOC reflected on B1's credit report xxxxxx  with application date ofxxxxxx , and does not meet guides. 

exception request submitted  - xx/xx/xxxx
 loan closed xxxxxx that is over 12 months. Your guidelines do not indicate it has to be by application date; we used the note date. - xx/xx/xxxx
 Investor confirmed to use note date, not app date, condition resolved.  - xx/xx/xxxx
Condition upheld.  Provide Approved Exception. - xx/xx/xxxx
exception request submitted  - xx/xx/xxxx
Condition upheld.  Default is FNMA Guidelines which is the loan application date.  Provide approved exception from xxxxxx/xxxxxx . - xx/xx/xxxx
loan closed xxxxxx that is over 12 months. Your guidelines do not indicate it has to be by application date; we used the note date. - xx/xx/xxxx
 Investor confirmed to use note date, not app date, condition resolved.  - xx/xx/xxxx
Condition upheld.  Provide Approved Exception. - xx/xx/xxxx
exception request submitted  - xx/xx/xxxx
Condition upheld.  Default is FNMA Guidelines which is the loan application date.  Provide approved exception from xxxxxx/xxxxxx . - xx/xx/xxxx
loan closed xxxxxx that is over 12 months. Your guidelines do not indicate it has to be by application date; we used the note date. - xx/xx/xxxx
 2026-06-18 16:34 Resolved 3 1 4 1
4000132404 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9699417 1 of 4 xx/xx/xxxx Credit Housing History Does Not Meet Guideline Requirements Housing history does not meet guideline requirements. The required mortgage payment history per xxxxxx guides is 0x30x12.. There is a 1x30x12 on the HELOC reflected on B1's credit report xxxxxx  with application date ofxxxxxx , and does note meet guides. 



exception request submitted  - xx/xx/xxxx

 FNMA allows for a 1x30 in the last 12 months. The guideline indicates 2 or more payments past due at the time of the application date.  Please advise what the charge for the exception request is.

 - xx/xx/xxxx

 loan closed xxxxxx  that is over 12 months.  Your guidelines do not indicate it has to be by application date; we used the note date.

 - xx/xx/xxxx

 Investor confirmed to use note date, not app date, condition resolved.  - xx/xx/xxxx

Condition upheld. Provide Approved Exception. - xx/xx/xxxx

exception request submitted  - xx/xx/xxxx

Condition upheld.  FNMA guide is used to state Application date is the start date.  xxxxxx DSCR Plus states 0x30x12,  An Approved Exception will need to be provided.  Apply for exception through seller portal. - xx/xx/xxxx

FNMA allows for a 1x30 in the last 12 months. The guideline indicates 2 or more payments past due at the time of the application date.  Please advise what the charge for the exception request is.

 - xx/xx/xxxx

Per xxxxxx, default goes to FNMA guidelines which states the Loan Application date. Please submit an exception request to xxxxxx for the 1x30.  - xx/xx/xxxx

loan closed xxxxxx  that is over 12 months.  Your guidelines do not indicate it has to be by application date; we used the note date.

 - xx/xx/xxxx

 Investor confirmed to use note date, not app date, condition resolved.  - xx/xx/xxxx
Condition upheld. Provide Approved Exception. - xx/xx/xxxx
exception request submitted  - xx/xx/xxxx
Condition upheld.  FNMA guide is used to state Application date is the start date.  xxxxxx DSCR Plus states 0x30x12,  An Approved Exception will need to be provided.  Apply for exception through seller portal. - xx/xx/xxxx
FNMA allows for a 1x30 in the last 12 months. The guideline indicates 2 or more payments past due at the time of the application date.  Please advise what the charge for the exception request is.
 - xx/xx/xxxx
Per xxxxxx, default goes to FNMA guidelines which states the Loan Application date. Please submit an exception request to xxxxxx for the 1x30.  - xx/xx/xxxx
loan closed xxxxxx  that is over 12 months.  Your guidelines do not indicate it has to be by application date; we used the note date.
 - xx/xx/xxxx
 2026-06-18 16:33 Resolved 3 1 3 1
4000130002 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9461145 4 of 6 xx/xx/xxxx Compliance Federal - Closing Disclosure and Consummation Date The Initial Closing Disclosure Received Date of (xxxxxx) is not three business days before the consummation date of (xxxxxx). Three business days before the consummation date is (xxxxxx). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD was e-signedxx/xx/xxxx.

esign from application - xx/xx/xxxx
 proof of deliveryxxxxxx - xx/xx/xxxx
 Confirmed ICD was electronically provided to the borrower and available for review xx/xx/xxxx - xx/xx/xxxx
esign from application - xx/xx/xxxx
Per e-signed CD and E-sign Procees Summary, the borrower did not login, open or review the initial CD until xx/xx/xxxx, which is <3 days from consummation.  The date the borrower reviewed the document is considered the date he received it.  Unless earlier receipt can be determined, there is no obvious cure for this timing violation. - xx/xx/xxxx
proof of delivery xxxxxx - xx/xx/xxxx
 Confirmed ICD was electronically provided to the borrower and available for review xx/xx/xxxx - xx/xx/xxxx
esign from application - xx/xx/xxxx
Per e-signed CD and E-sign Procees Summary, the borrower did not login, open or review the initial CD until xx/xx/xxxx, which is <3 days from consummation.  The date the borrower reviewed the document is considered the date he received it.  Unless earlier receipt can be determined, there is no obvious cure for this timing violation. - xx/xx/xxxx
proof of delivery xxxxxx - xx/xx/xxxx
 2026-06-04 16:07 Resolved 3 1 3 1
4000130002 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9461147 5 of 6 xx/xx/xxxx Compliance Federal - Loan Estimate Received At Least Four Business Days Before Consummation The last Loan Estimate Received Date of xxxxxx  is not 4 business days before the consummation date of xxxxxx . Four business days before consummation is xxxxxx . Under Regulation Z, a consumer must receive a revised Loan Estimate no later than 4 business days before consummation. (12 CFR 1026.19(e)(4)(ii)) Revised LE was e-signedxx/xx/xxxx.

esign from application - xx/xx/xxxx

 proof of delivery - xx/xx/xxxx

 Confirmed LE was electronically provided to the borrower and available to view on xx/xx/xxxx - xx/xx/xxxx

esign from application - xx/xx/xxxx

Per e-signed CD and E-sign Procees Summary, the borrower did not login, open or review the LE until xx/xx/xxxx, which is <4 days from consummation.  The date the borrower reviewed the document is considered the date he received it.  Unless earlier receipt can be determined, there is no obvious cure for this timing violation. - xx/xx/xxxx

proof of delivery - xx/xx/xxxx

 Confirmed LE was electronically provided to the borrower and available to view on xx/xx/xxxx - xx/xx/xxxx

esign from application - xx/xx/xxxx

Per e-signed CD and E-sign Procees Summary, the borrower did not login, open or review the LE until xx/xx/xxxx, which is <4 days from consummation.  The date the borrower reviewed the document is considered the date he received it.  Unless earlier receipt can be determined, there is no obvious cure for this timing violation. - xx/xx/xxxx

proof of delivery - xx/xx/xxxx

 2026-06-04 16:05 Resolved 3 1 3 1
4000133244 xx/xx/xxxx xxxxx xxxxx MI Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9718150 1 of 4 xx/xx/xxxx Credit Cash Deposit Per guidelines, the earnest money deposit requires verification by either: copy of cancelled check or bank statement showing the funds cleared. This document is missing from the loan file. Loan purpose is purchase, confirm if cash deposit has cleared account. Per guidelines, the earnest money deposit requires verification by either: copy of cancelled check or bank statement showing the funds cleared. This document is missing from the loan file. Loan purpose is purchase, confirm if cash deposit has cleared accouxx/xx/xxxxoan purpose is purchase, confirm if cash deposit has cleared account.







EMD of $xxxxxx was paid in cash.  EMD was not used in the assets or months reserves calculation.   - xx/xx/xxxx
 Per Seller EMD was paid in cash and not verified.  EMD of $xxxxxx was deducted from verified funds, as Borrower has sufficient funds to close/reserves.  Condition resolved. - xx/xx/xxxx
EMD of $xxxxxx was paid in cash.  EMD was not used in the assets or months reserves calculation.   - xx/xx/xxxx
 Per Seller EMD was paid in cash and not verified.  EMD of $xxxxxx was deducted from verified funds, as Borrower has sufficient funds to close/reserves.  Condition resolved. - xx/xx/xxxx
EMD of $xxxxxx was paid in cash.  EMD was not used in the assets or months reserves calculation.   - xx/xx/xxxx
 2026-06-29 17:44 Resolved 1 1 3 1
4000129680 xx/xx/xxxx xxxxx xxxxx NJ Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9636601 1 of 3 xx/xx/xxxx Credit Cash Deposit The earnest money deposit was a gift from the borrower's spouse. Documentation of the transfer of the funds is missing from the loan file.  Loan purpose is purchase, confirm if cash deposit has cleared accouxx/xx/xxxxoan purpose is purchase, confirm if cash deposit has cleared account.





EMD and proof of wire - xx/xx/xxxx

 Loan purpose is purchase, confirm if cash deposit has cleared account. - xx/xx/xxxx

Loan purpose is purchase, confirm if cash deposit has cleared account. EMD wire and Evidence of funds was provided.  Condition resolved. - xx/xx/xxxx

EMD and proof of wire - xx/xx/xxxx

 Loan purpose is purchase, confirm if cash deposit has cleared account. - xx/xx/xxxx

Loan purpose is purchase, confirm if cash deposit has cleared account. EMD wire and Evidence of funds was provided.  Condition resolved. - xx/xx/xxxx

EMD and proof of wire - xx/xx/xxxx

 2026-06-17 16:50 Resolved 3 1 4 1
4000120215 xx/xx/xxxx xxxxx xxxxx MD Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8509714 3 of 3 xx/xx/xxxx Credit Corporation/LLC: EIN Doc is Missing The loan file does not contain the Coporation/LLC: EIN documentation. Lender to provide EIN documentation for xxxxxx

EIN number - xx/xx/xxxx

 EIN LOE - xx/xx/xxxx

 EIN provided.  Condition resolved. - xx/xx/xxxx

EIN number - xx/xx/xxxx

Condition upheld.  Provide the CP 575 or 147c from the IRS. - xx/xx/xxxx

EIN LOE - xx/xx/xxxx

 EIN provided.  Condition resolved. - xx/xx/xxxx

EIN number - xx/xx/xxxx

Condition upheld.  Provide the CP 575 or 147c from the IRS. - xx/xx/xxxx

EIN LOE - xx/xx/xxxx

 2026-04-22 16:30 Resolved 3 1 3 1
4000129120 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9478882 1 of 4 xx/xx/xxxx Credit Corporation/LLC: EIN Doc is Missing The loan file does not contain the Coporation/LLC: EIN documentation. Please provide documentation of the borrower's EIN



EIN - xx/xx/xxxx

 EIN Provided.  Condition resolved. - xx/xx/xxxx

EIN - xx/xx/xxxx

 EIN Provided.  Condition resolved. - xx/xx/xxxx

EIN - xx/xx/xxxx

 2026-06-17 16:13 Resolved 3 1 3 1
4000126004 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9105883 6 of 6 xx/xx/xxxx Credit Corporation/LLC: EIN Doc is Missing The loan file does not contain the Coporation/LLC: EIN documentation. The Loan file is missing the Borrower's EIN number for the business. 



EIN - xx/xx/xxxx

 The EIN is the entity number. xxxxxx . Line 2 of the document provided.

It's also on the Certificate of Good Standing. - xx/xx/xxxx

 EIN - xx/xx/xxxx

 Evidence of EIN provided.  Condition resolved. - xx/xx/xxxx
EIN - xx/xx/xxxx
Condition upheld.  What you are citing "xxxxxx " is the LLC Entity Number, not the EIN number.  An LLC EIN is a federal tax ID used for business taxes and banking. An LLC entity number is a local registration code assigned by your state's government to prove your company exists legally.  Provide the EIN from the IRS. - xx/xx/xxxx
The EIN is the entity number. xxxxxx . Line 2 of the document provided.
It's also on the Certificate of Good Standing. - xx/xx/xxxx
Condition upheld.  An Amendment to Articles of Organization of an LLC was provided. Provide evidence of the EIN for the LLC. - xx/xx/xxxx
EIN - xx/xx/xxxx
 Evidence of EIN provided.  Condition resolved. - xx/xx/xxxx

EIN - xx/xx/xxxx

Condition upheld.  What you are citing "xxxxxx " is the LLC Entity Number, not the EIN number.  An LLC EIN is a federal tax ID used for business taxes and banking. An LLC entity number is a local registration code assigned by your state's government to prove your company exists legally.  Provide the EIN from the IRS. - xx/xx/xxxx

The EIN is the entity number. xxxxxx . Line 2 of the document provided.

It's also on the Certificate of Good Standing. - xx/xx/xxxx

Condition upheld.  An Amendment to Articles of Organization of an LLC was provided. Provide evidence of the EIN for the LLC. - xx/xx/xxxx

EIN - xx/xx/xxxx

 2026-06-11 13:09 Resolved 3 1 4 1
4000128919 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9379966 6 of 8 xx/xx/xxxx Credit Audited Reserves are less than Guideline Required Reserves (Number of Months) Audited reserves months are less than the guideline required reserve months.

xxxxxx  andxxxxxxVOD uploaded. - xx/xx/xxxx

 Audited Reserves of  month(s) are greater than or equal to Guideline Required Reserves of  month(s) - xx/xx/xxxx
Audited Reserves of 6.75 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - xx/xx/xxxx
xxxxxx  VOD was in file already.xxxxxxVOD was provided. Condition resolved. - xx/xx/xxxx
xxxxxx  andxxxxxxVOD uploaded. - xx/xx/xxxx
 Audited Reserves of  month(s) are greater than or equal to Guideline Required Reserves of  month(s) - xx/xx/xxxx

Audited Reserves of 6.75 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - xx/xx/xxxx

xxxxxx  VOD was in file already.xxxxxxVOD was provided. Condition resolved. - xx/xx/xxxx

xxxxxx  andxxxxxxVOD uploaded. - xx/xx/xxxx

 2026-08-14 14:48 Resolved 3 1 3 1
4000128919 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9375461 4 of 8 xx/xx/xxxx Credit Assets - Insufficient Cash to Close or Reserves Liquid Funds Post-Close of '$-xxxxxx', are less than $0. Borrower(s) total verified assets are insufficient for cash to close or reserves.

xxxxxx  andxxxxxxVOD uploaded - xx/xx/xxxx

 Liquid Funds Post-Close are greater than or equal to $0. - xx/xx/xxxx

xxxxxx  VOD was in file already.xxxxxxVOD was provided. Condition resolved. - xx/xx/xxxx

xxxxxx  VOD was in file already.xxxxxxVOD was provided. Condition resolved. - xx/xx/xxxx

xxxxxx  andxxxxxxVOD uploaded - xx/xx/xxxx

 Liquid Funds Post-Close are greater than or equal to $0. - xx/xx/xxxx

xxxxxx  VOD was in file already.xxxxxxVOD was provided. Condition resolved. - xx/xx/xxxx

xxxxxx  VOD was in file already.xxxxxxVOD was provided. Condition resolved. - xx/xx/xxxx

xxxxxx  andxxxxxxVOD uploaded - xx/xx/xxxx

 2026-08-14 14:48 Resolved 3 1 3 1
4000133497 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9719484 3 of 5 xx/xx/xxxx Credit Eligibility - Red Flags The loan file contained red flags that were not sufficiently addressed. Transaction appears ineligible under investor guidelines due to a non-arm's-length relationship. A letter in the file from the borrower notes that his primary residence is owned by his real estate agent in the subject purchase transaction. Lender to provide support for eligibility determination or evidence that the relationship does not meet the investor's definition of a non-arm's-length transaction.



xxxxxx  is the guarantor's wife who also works as a Real Estate agent in the state of NJ.  She is representing the buyer in this transaction, not the seller which makes this transaction eligible.  There is no evidence of any prior relationship between the buyer and seller that would indicate a Non-Arm's length transaction. - xx/xx/xxxx
 The file is an arm's length transaction, and the borrower is listed on the primary with their spouse per documentation in the file.   condition resolved  - xx/xx/xxxx

Condition upheld.  Provide an executed LOE from Borrower stating the relationship and a new 1003 that shows the Borrower does not own the primary and is living rent free. - xx/xx/xxxx

xxxxxx  is the guarantor's wife who also works as a Real Estate agent in the state of NJ.  She is representing the buyer in this transaction, not the seller which makes this transaction eligible.  There is no evidence of any prior relationship between the buyer and seller that would indicate a Non-Arm's length transaction. - xx/xx/xxxx

 The file is an arm's length transaction, and the borrower is listed on the primary with their spouse per documentation in the file.   condition resolved  - xx/xx/xxxx

Condition upheld.  Provide an executed LOE from Borrower stating the relationship and a new 1003 that shows the Borrower does not own the primary and is living rent free. - xx/xx/xxxx

xxxxxx  is the guarantor's wife who also works as a Real Estate agent in the state of NJ.  She is representing the buyer in this transaction, not the seller which makes this transaction eligible.  There is no evidence of any prior relationship between the buyer and seller that would indicate a Non-Arm's length transaction. - xx/xx/xxxx

 2026-06-17 12:43 Resolved 3 1 3 1
4000110203 xxxxx xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 7357198 1 of 5 xx/xx/xxxx Credit Cash reserves less than required by guidelines Total Cash reserves of '$xxxxxx' are less than $xxxxxx. The Borrower was required to bring $xxxxxx to closing plus have 6 months reserves of $xxxxxx. The total funds in the loan file is $xxxxxx which leaves us short to close $xxxxxx. The file doesnt contain a receipt for a wire transfer of $xxxxxx; however, there isnt any documentation where the funds came from.  Condition upheld.  The Settlement Statement provided for the refinance of xxxxxx shows it disbursed after the subject loan closed, and there is no transfer of funds on the Final CD for the subject loan.  Provide evidence of funds to close/reserves the subject loan. Condition stands. Borrower is short funds to close/reserves.  The Settlement Statement provided for the refinance of xxxxxx shows it disbursed after the subject loan closed, and there is no transfer of funds on the Final CD for the subject loan. Provide evidence of funds to close/reserves the subject loan.



Documentation uploaded with 1st condition for review. Thank you - xx/xx/xxxx

 please see settlement statement already attached to 1st condition. Thank you - xx/xx/xxxx

 Total Cash reserves are greater than $xxxxxx. - xx/xx/xxxx
Documentation uploaded with 1st condition for review. Thank you - xx/xx/xxxx
Condition upheld. The Settlement Statement provided for the refinance of xxxxxx shows it disbursed after the subject loan closed, and there is no transfer of funds on the Final CD for the subject loan. Provide evidence of funds to close/reserves the subject loan. - xx/xx/xxxx
please see settlement statement already attached to 1st condition. Thank you - xx/xx/xxxx
 Total Cash reserves are greater than $xxxxxx. - xx/xx/xxxx
Documentation uploaded with 1st condition for review. Thank you - xx/xx/xxxx
Condition upheld. The Settlement Statement provided for the refinance of xxxxxx shows it disbursed after the subject loan closed, and there is no transfer of funds on the Final CD for the subject loan. Provide evidence of funds to close/reserves the subject loan. - xx/xx/xxxx
please see settlement statement already attached to 1st condition. Thank you - xx/xx/xxxx
 2026-02-20 19:16 Resolved 3 1 3 1
4000136078 xx/xx/xxxx xxxxx xxxxx KS Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10074893 2 of 7 xx/xx/xxxx Compliance HUD-1 not executed properly An updated HUD-1/Alta/Settlement Statement is requried. The subject loan type is an adjustable mortgage with a Interest Rate that can increase, and contains a 60 month Pre-Payment Penalty. The final fully executed HUD provided does not match the loan terms. The HUD-1 shows NO to can the interest rate rise, and does not include the ARM terms, and is missing the amount for the maximum pre-payment penalty.

Document Uploaded. xxxxxx reviewed HUD and will not require updated HUD. Confirmed by email.  - xx/xx/xxxx

 The request for an updated HUD-1/Alta/Settlement Statement based on the ARM characteristics for the loan, we believe it would not apply to a loan that falls outside of Regulation Z. The loan is a non-qualified mortgage for an investment property, Regulation Z applies to most consumer credit transactions, including mortgages, home equity lines of credit, reverse mortgages, credit cards, installment loans, and private student loans. However, several types of credit fall outside Regulation Z's scope. Business loans, commercial credit, agricultural loans, federal student loans, and loans for public utility services are generally exempt. (site: https://loanpro.io/glossary/reg-z-tila).  - xx/xx/xxxx

 Document Uploaded. xxxxxx reviewed HUD and will not require updated HUD. Confirmed by email.
 - xx/xx/xxxx

Document Uploaded. xxxxxx reviewed HUD and will not require updated HUD. Confirmed by email.  - xx/xx/xxxx

The request for an updated HUD-1/Alta/Settlement Statement based on the ARM characteristics for the loan, we believe it would not apply to a loan that falls outside of Regulation Z. The loan is a non-qualified mortgage for an investment property, Regulation Z applies to most consumer credit transactions, including mortgages, home equity lines of credit, reverse mortgages, credit cards, installment loans, and private student loans. However, several types of credit fall outside Regulation Z's scope. Business loans, commercial credit, agricultural loans, federal student loans, and loans for public utility services are generally exempt. (site: https://loanpro.io/glossary/reg-z-tila).  - xx/xx/xxxx

 Document Uploaded. xxxxxx reviewed HUD and will not require updated HUD. Confirmed by email.
 - xx/xx/xxxx

Document Uploaded. xxxxxx reviewed HUD and will not require updated HUD. Confirmed by email.  - xx/xx/xxxx

The request for an updated HUD-1/Alta/Settlement Statement based on the ARM characteristics for the loan, we believe it would not apply to a loan that falls outside of Regulation Z. The loan is a non-qualified mortgage for an investment property, Regulation Z applies to most consumer credit transactions, including mortgages, home equity lines of credit, reverse mortgages, credit cards, installment loans, and private student loans. However, several types of credit fall outside Regulation Z's scope. Business loans, commercial credit, agricultural loans, federal student loans, and loans for public utility services are generally exempt. (site: https://loanpro.io/glossary/reg-z-tila).  - xx/xx/xxxx

 2026-07-17 17:10 Resolved 3 1 3 1
4000128894 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9074873 6 of 10 xx/xx/xxxx Credit Liabilities - REO The loan file did not contain sufficient documentation to verify debts associated with all other properties. Per the final 1003, the primary residence at xxxxxx  has been refinanced and the new payment is $xxxxxx. Please provide documentation to support this payment.

docs for one and 2 of the conditions - xx/xx/xxxx

 Evidence of Payment was provided.  Condition resolved. - xx/xx/xxxx

docs for one and 2 of the conditions - xx/xx/xxxx

 Evidence of Payment was provided.  Condition resolved. - xx/xx/xxxx

docs for one and 2 of the conditions - xx/xx/xxxx

 2026-06-12 13:59 Resolved 3 1 3 1
4000124147 xx/xx/xxxx xxxxx xxxxx PA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9199311 4 of 5 xx/xx/xxxx Compliance Intent to Proceed is Missing or Incomplete Intent to Proceed is Missing

doc - xx/xx/xxxx

 Intent to Proceed provided. - xx/xx/xxxx

Received ITP - xx/xx/xxxx

doc - xx/xx/xxxx

 Intent to Proceed provided. - xx/xx/xxxx

Received ITP - xx/xx/xxxx

doc - xx/xx/xxxx

 2026-05-20 13:10 Resolved 3 1 4 1
4000123439 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8821771 5 of 5 xx/xx/xxxx Credit Verification Documentation - Expired The following loan documents were expired at the time of closing. The driver's license expiredxx/xx/xxxx for loan closedxx/xx/xxxx.



DL - xx/xx/xxxx

 Updated Borrower ID provided.  Condition resolved. - xx/xx/xxxx

DL - xx/xx/xxxx

 Updated Borrower ID provided.  Condition resolved. - xx/xx/xxxx

DL - xx/xx/xxxx

 2026-04-27 13:41 Resolved 2 1 3 1
4000127362 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9338478 1 of 5 xx/xx/xxxx Credit Property Title Issue Property title issue. Lender to provide evidence of transfer of Deed/Vesting from xxxxxx  to xxxxxx  required in order to verify continuity of title and proper vesting.

Deed to XXXXX XXXX XXX - xx/xx/xxxx
 Transfer Deed was provided.  Condition resolved. - xx/xx/xxxx
Property Title Issue Resolved - xx/xx/xxxx
Deed to XXXX XXXX XXXX - xx/xx/xxxx
 Transfer Deed was provided.  Condition resolved. - xx/xx/xxxx
Property Title Issue Resolved - xx/xx/xxxx
Deed to XXXX XXXX XXX - xx/xx/xxxx
 2026-06-05 18:41 Resolved 3 1 3 1
4000122595 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8715184 1 of 4 xx/xx/xxxx Compliance Missing Warranty / Transfer Deed Warranty / Transfer Deed is not provided.  Missing the Warranty/XFR Deed for the subject transaction.



DEED - xx/xx/xxxx

 Warranty/Transfer Deed provided.  Condition resolved. - xx/xx/xxxx

DEED - xx/xx/xxxx

 Warranty/Transfer Deed provided.  Condition resolved. - xx/xx/xxxx

DEED - xx/xx/xxxx

 2026-04-20 16:48 Resolved 4 1 4 1
4000124921 xx/xx/xxxx xxxxx xxxxx TN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9667645 1 of 4 xx/xx/xxxx Compliance The Deed of Trust is Missing The Deed of Trust is missing. The Deed of Trust/Mortgage was not found in the loan documents.



deed - xx/xx/xxxx

 The Deed of Trust has been provided. - xx/xx/xxxx

Received complete DOT with all riders - xx/xx/xxxx

deed - xx/xx/xxxx

 The Deed of Trust has been provided. - xx/xx/xxxx

Received complete DOT with all riders - xx/xx/xxxx

deed - xx/xx/xxxx

 2026-06-12 14:41 Resolved 4 1 4 1
4000124921 xx/xx/xxxx xxxxx xxxxx TN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9671118 2 of 4 xx/xx/xxxx Compliance 1-4 Family Rider is Missing The file is missing the 1-4 Family Rider. A 1-4 Family Rider could not be found in the loan documents.



deed - xx/xx/xxxx

 Received complete DOT with all riders - xx/xx/xxxx

deed - xx/xx/xxxx

 Received complete DOT with all riders - xx/xx/xxxx

deed - xx/xx/xxxx

 2026-06-12 14:37 Resolved 3 1 4 1
4000131734 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9823863 3 of 3 xx/xx/xxxx Compliance Missing Warranty / Transfer Deed Warranty / Transfer Deed is not provided. Investment purchase. Warranty / Transfer Deed not located in file



deed - xx/xx/xxxx

 Received warranty deed - xx/xx/xxxx

deed - xx/xx/xxxx

 Received warranty deed - xx/xx/xxxx

deed - xx/xx/xxxx

 2026-06-23 15:47 Resolved 4 1 4 1
4000128787 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9590732 4 of 4 xx/xx/xxxx Credit Hazard Insurance Policy is Partial Hazard insurance policy partially provided. Lender to provide updated Hazard Insurance Policy, policy in file has an expiration date is one moth from date issued.



Dec page - xx/xx/xxxx

 Corrected HOI Policy provided.  Condition resolved. - xx/xx/xxxx

Hazard Insurance Policy is fully present - xx/xx/xxxx

Dec page - xx/xx/xxxx

 Corrected HOI Policy provided.  Condition resolved. - xx/xx/xxxx

Hazard Insurance Policy is fully present - xx/xx/xxxx

Dec page - xx/xx/xxxx

 2026-06-14 17:15 Resolved 3 1 3 1
4000133756 xx/xx/xxxx xxxxx xxxxx NC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9844780 8 of 8 xx/xx/xxxx Credit Satisfactory Chain of Title not Provided Unsatisfactory chain of title provided. Title shows a Lien for $xxxxxx from xxxxxx  with no dates or evidence of Pay-off.  Provide a 24 month chain of Title and Lien was paid in full.
Current lien on the commitment is shown on the final refinance HUD attached is the HUD, payoff and VOM which all tie together. - xx/xx/xxxx

 Pay-off shows shows loan was originated xx/xx/xxxx.  Condition resolved. - xx/xx/xxxx

Satisfactory Chain of Title has been provided - xx/xx/xxxx

Current lien on the commitment is shown on the final refinance HUD attached is the HUD, payoff and VOM which all tie together. - xx/xx/xxxx

 Pay-off shows shows loan was originated xx/xx/xxxx.  Condition resolved. - xx/xx/xxxx

Satisfactory Chain of Title has been provided - xx/xx/xxxx

Current lien on the commitment is shown on the final refinance HUD attached is the HUD, payoff and VOM which all tie together. - xx/xx/xxxx

 2026-06-22 17:07 Resolved 3 1 3 1
4000127597 xx/xx/xxxx xxxxx xxxxx WA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9409030 3 of 3 xx/xx/xxxx Credit Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete Per the fraud report, there is a mortgage associated with the primary residence. There is a rent free letter in the file, but the mortgage statement showing the borrower isn't obligated on the mortgage is missing from the loan file. 

Credit sup was also in the file  - xx/xx/xxxx

 The Credit Report and Credit Supplement in file does not show the Mortgage for the Primary.  The Rent Free Letter also confirms this.  Condition resolved. - xx/xx/xxxx

Credit sup was also in the file  - xx/xx/xxxx

 The Credit Report and Credit Supplement in file does not show the Mortgage for the Primary.  The Rent Free Letter also confirms this.  Condition resolved. - xx/xx/xxxx

Credit sup was also in the file  - xx/xx/xxxx

 2026-06-01 13:36 Resolved 3 1 3 1
4000135041 xx/xx/xxxx xxxxx xxxxx WA Second Home Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9898594 2 of 5 xx/xx/xxxx Credit Audited DTI Exceeds Guideline DTI Audited DTI exceeds guideline DTI. Originator/Lender did not include primary residence PITI $xxxxxx in final DTI. Audit acknowledge updated CBR xx/xx/xxxxhow  #xxxxxx closed/paid. No documentation in file validating primary mortgage paid in full to exclude from final DTI.

Credit Sup showing mtg paid in full  - xx/xx/xxxx

 Credit Supplement showing Primary is PIF was provided.  Condition resolved. - xx/xx/xxxx

Audited DTI of 46.68% is less than or equal to Guideline DTI of 55% - xx/xx/xxxx

Credit Sup showing mtg paid in full  - xx/xx/xxxx

 Credit Supplement showing Primary is PIF was provided.  Condition resolved. - xx/xx/xxxx

Audited DTI of 46.68% is less than or equal to Guideline DTI of 55% - xx/xx/xxxx

Credit Sup showing mtg paid in full  - xx/xx/xxxx

 2026-06-25 21:06 Resolved 3 1 3 1
4000135747 xx/xx/xxxx xxxxx xxxxx WI Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 10183202 1 of 5 xx/xx/xxxx Credit Borrower 1 Credit Report is Missing Borrower 1 credit report is missing. Lender to provide qualifying credit report 



Credit report provided - xx/xx/xxxx

 Credit report attached - xx/xx/xxxx

 Borrower 1 Credit Report is not missing. - xx/xx/xxxx

Credit report provided - xx/xx/xxxx

Credit report attached - xx/xx/xxxx

 Borrower 1 Credit Report is not missing. - xx/xx/xxxx

Credit report provided - xx/xx/xxxx

Credit report attached - xx/xx/xxxx

 2026-07-16 12:21 Resolved 4 1 4 1
4000135747 xx/xx/xxxx xxxxx xxxxx WI Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 10184360 2 of 5 xx/xx/xxxx Credit Audited FICO is less than Guideline FICO Audited FICO is less than guideline FICO. Missing qualifying credit score. Bases guideline on rate lock credit score and cited for missing credit report. 



Credit report provided - xx/xx/xxxx

 Credit report attached - xx/xx/xxxx

 Audited FICO of xxxxxx is greater than or equal to Guideline FICO of 700 - xx/xx/xxxx
Credit report provided - xx/xx/xxxx
Credit report attached - xx/xx/xxxx
 Audited FICO of 702 is greater than or equal to Guideline FICO of 700 - xx/xx/xxxx

Credit report provided - xx/xx/xxxx

Credit report attached - xx/xx/xxxx

 2026-07-16 12:23 Resolved 3 1 4 1
4000122067 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8560117 1 of 4 xx/xx/xxxx Credit Borrower 1 Credit Report is Missing Borrower 1 credit report is missing. Missing evidence of Borrower Credit Report



credit report - xx/xx/xxxx

 Credit Report provided.  Condition resolved. - xx/xx/xxxx

Borrower 1 Credit Report is not missing. - xx/xx/xxxx

credit report - xx/xx/xxxx

 Credit Report provided.  Condition resolved. - xx/xx/xxxx

Borrower 1 Credit Report is not missing. - xx/xx/xxxx

credit report - xx/xx/xxxx

 2026-06-24 16:30 Resolved 4 1 4 1
4000127362 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9338755 4 of 5 xx/xx/xxxx Property Missing Homeowner's Association Questionnaire Lender to provide a fully completed and executed The Homeowners Association (HOA) Questionnaire, the one in file is blank.

CQ - xx/xx/xxxx

 Condo Questionnaire provided.  Condition resolved. - xx/xx/xxxx

CQ - xx/xx/xxxx

 Condo Questionnaire provided.  Condition resolved. - xx/xx/xxxx

CQ - xx/xx/xxxx

 2026-06-03 18:09 Resolved 3 1 3 1
4000120227 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9380075 1 of 11 xx/xx/xxxx Credit Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd party VOE prior to close missing. Lender to provide the 10 day pre-close VVOE for the borrower 



CPA/VVOE - xx/xx/xxxx

 Evidence of S/E was provided.  Condition resolved. - xx/xx/xxxx

Borrower 1 3rd Party VOE prior to close was provided. - xx/xx/xxxx

CPA/VVOE - xx/xx/xxxx

 Evidence of S/E was provided.  Condition resolved. - xx/xx/xxxx

Borrower 1 3rd Party VOE prior to close was provided. - xx/xx/xxxx

CPA/VVOE - xx/xx/xxxx

 2026-06-03 14:46 Resolved 3 1 4 1
4000128894 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9074135 2 of 10 xx/xx/xxxx Credit Borrower 1 CPA Letter Missing Borrower 1 CPA letter missing from the file. Documentation confirming the percentage of ownership that the borrower has in JENbro Manufacturing is missing from the loan file. 



cpa letter - xx/xx/xxxx

 CPA Letter provided.  Condition resolved. - xx/xx/xxxx

Borrower 1 CPA letter provided - xx/xx/xxxx

cpa letter - xx/xx/xxxx

 CPA Letter provided.  Condition resolved. - xx/xx/xxxx

Borrower 1 CPA letter provided - xx/xx/xxxx

cpa letter - xx/xx/xxxx

 2026-06-15 16:50 Resolved 3 1 3 1
4000123408 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9401498 5 of 7 xx/xx/xxxx Credit Borrower 1 CPA Letter Missing Borrower 1 CPA letter missing from the file. A 20% expense factor was used in the approval. Documentation of this expense factor is missing from the loan file. 



CPA LETTER  - xx/xx/xxxx

 CPA Letter provided. Condition resolved. - xx/xx/xxxx

Borrower 1 CPA letter provided - xx/xx/xxxx

CPA LETTER  - xx/xx/xxxx

 CPA Letter provided. Condition resolved. - xx/xx/xxxx

Borrower 1 CPA letter provided - xx/xx/xxxx

CPA LETTER  - xx/xx/xxxx

 2026-06-03 15:39 Resolved 3 1 3 1
4000103264 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx GA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 6494661 1 of 5 xx/xx/xxxx Credit Audited CLTV Exceeds Guideline CLTV Due to the lender not including the HOA fee of $xxxxxx monthly, the DSCR is less than 1, and with a credit score over xxxxxx the maximum CLTV is 75%.  Audited CLTV exceeds guideline CLTV.

Could we please trouble you to help advise us:



We have MORE than 3 months proof of receipt, and we have attached the rents received ledger that reflects the most recent 11 months received. What else would be needed on this file? What are we missing?

 - xx/xx/xxxx

 UW response - xx/xx/xxxx

 is it possible to waive? - xx/xx/xxxx

 Audited CLTV of xxxxxx% is less than or equal to Guideline CLTV of 80% - xx/xx/xxxx
Could we please trouble you to help advise us:

We have MORE than 3 months proof of receipt, and we have attached the rents received ledger that reflects the most recent 11 months received. What else would be needed on this file? What are we missing?
 - xx/xx/xxxx
Condition upheld.  While guidelines do state: If executed lease agreement reflects a higher monthly rent than Appraisal, it may be used in the calculation with sufficient evidence of receipt. Three (3) most recent, consecutive months should be provided. The Appraisal and 1007 support the lease amount and evidence of rent receipt is in the file.  The guidelines also state: Gross Income will be calculated using the lower of the A) executed lease agreement or B) Market rent from applicable Appraisal. The DSCR is still below 1.00.  - xx/xx/xxxx
UW response - xx/xx/xxxx
Document Uploaded. Condition upheld.  The provided calculation is incorrect.  DSCR is calculated It by dividing the net operating income by the total debt service.  Market Rent $xxxxxx / PITIA $xxxxxx = xxxxxx%.  Provide exception. - xx/xx/xxxx
is it possible to waive? - xx/xx/xxxx
 Audited CLTV of 78.77% is less than or equal to Guideline CLTV of 80% - xx/xx/xxxx
Could we please trouble you to help advise us:

We have MORE than 3 months proof of receipt, and we have attached the rents received ledger that reflects the most recent 11 months received. What else would be needed on this file? What are we missing?
 - xx/xx/xxxx
Condition upheld.  While guidelines do state: If executed lease agreement reflects a higher monthly rent than Appraisal, it may be used in the calculation with sufficient evidence of receipt. Three (3) most recent, consecutive months should be provided. The Appraisal and 1007 support the lease amount and evidence of rent receipt is in the file.  The guidelines also state: Gross Income will be calculated using the lower of the A) executed lease agreement or B) Market rent from applicable Appraisal. The DSCR is still below 1.00.  - xx/xx/xxxx
UW response - xx/xx/xxxx
Document Uploaded. Condition upheld.  The provided calculation is incorrect.  DSCR is calculated It by dividing the net operating income by the total debt service.  Market Rent $xxxxxx / PITIA $xxxxxx = xxxxxx%.  Provide exception. - xx/xx/xxxx
is it possible to waive? - xx/xx/xxxx
 2025-12-17 22:04 Resolved 3 1 3 1
4000130704 xx/xx/xxxx xxxxx xxxxx WA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9745795 5 of 5 xx/xx/xxxx Credit Hazard Insurance Effective Date is after the Disbursement Date Hazard insurance effective date is after the disbursement date.  New HOI Policy provided has an effective date ofxx/xx/xxxx.  Disbursement Date isxx/xx/xxxx.  Provide corrected HOI Policy or Previous HOI Policy to show no gap in coverage as well as confirmation if Policy is HO3 or HO6.

Corrected EOI - xx/xx/xxxx

 Corrected HOI provided.  Condition resolved. - xx/xx/xxxx
Hazard Insurance Effective Date of xxxxxx  is prior to or equal to the Disbursement Date of xxxxxx  Or the Date(s) Are Not Provided - xx/xx/xxxx
Corrected EOI - xx/xx/xxxx
 Corrected HOI provided.  Condition resolved. - xx/xx/xxxx

Hazard Insurance Effective Date of xxxxxx  is prior to or equal to the Disbursement Date of xxxxxx  Or the Date(s) Are Not Provided - xx/xx/xxxx

Corrected EOI - xx/xx/xxxx

 2026-06-16 20:26 Resolved 3 1 3 1
4000133832 xx/xx/xxxx xxxxx xxxxx MD Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9863116 1 of 3 xx/xx/xxxx Compliance Missing Prepayment Rider The Prepayment Penalty Note addendum and the Mortgage rider reflect a 5-year PPP. However, the loan year break down is incorrect on both as they reflect loan year 2 and loan year one instead of loan year 4 and 5. A Corrected Prepayment rider are required. 

Corrected DOT/PPP documents received for review. Confirmatory Deed of Trust package includes corrected executed DOT Prepayment Rider reflecting the proper 5-year PPP schedule as Year 1 - 5%, Year 2 - 4%, Year 3 - 3%, Year 4 - 2%, and Year 5 - 1%. Prepayment Note Addendum provided also reflects the corrected 5-year PPP schedule; however, uploaded copy does not show borrower signatures/execution.  - xx/xx/xxxx

 Received re-recorded mortgage with all riders.  - xx/xx/xxxx

Corrected DOT/PPP documents received for review. Confirmatory Deed of Trust package includes corrected executed DOT Prepayment Rider reflecting the proper 5-year PPP schedule as Year 1 - 5%, Year 2 - 4%, Year 3 - 3%, Year 4 - 2%, and Year 5 - 1%. Prepayment Note Addendum provided also reflects the corrected 5-year PPP schedule; however, uploaded copy does not show borrower signatures/execution.  - xx/xx/xxxx

 Received re-recorded mortgage with all riders.  - xx/xx/xxxx

Corrected DOT/PPP documents received for review. Confirmatory Deed of Trust package includes corrected executed DOT Prepayment Rider reflecting the proper 5-year PPP schedule as Year 1 - 5%, Year 2 - 4%, Year 3 - 3%, Year 4 - 2%, and Year 5 - 1%. Prepayment Note Addendum provided also reflects the corrected 5-year PPP schedule; however, uploaded copy does not show borrower signatures/execution.  - xx/xx/xxxx

 2026-07-20 15:22 Resolved 3 1 3 1
4000133832 xx/xx/xxxx xxxxx xxxxx MD Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9863155 2 of 3 xx/xx/xxxx Property Appraisal - Borrower Info The borrower's name on the appraisal does not match other loan file documentation. The appraisal reflects the borrower as xxxxxx and/or Assigns. The purchase contract was handwritten and it appears that the appraiser misread the buyer's name. The appraisal needs to be corrected to reflect the borrower as xxxxxx and/or xxxxxx. 

Corrected appraisal and updated successful SSRs received. The revised appraisal now reflects the borrower as xxxxxx, correcting the prior appraisal borrower-name discrepancy that showed xxxxxx and/or Assigns. The updated FNM and FRE SSRs are both successful and reflect borrower xxxxxx, subject property xxxxxx, appraised value xxxxxx, and appraisal effective date xx/xx/xxxx. Please Clear. - xx/xx/xxxx
 Corrected Appraisal and SSR's provided.  Condition resolved. - xx/xx/xxxx

Corrected appraisal and updated successful SSRs received. The revised appraisal now reflects the borrower as xxxxxx, correcting the prior appraisal borrower-name discrepancy that showed xxxxxx and/or Assigns. The updated FNM and FRE SSRs are both successful and reflect borrower xxxxxx, subject property xxxxxx, appraised value xxxxxx, and appraisal effective date xx/xx/xxxx. Please Clear. - xx/xx/xxxx

 Corrected Appraisal and SSR's provided.  Condition resolved. - xx/xx/xxxx

Corrected appraisal and updated successful SSRs received. The revised appraisal now reflects the borrower as xxxxxx, correcting the prior appraisal borrower-name discrepancy that showed xxxxxx and/or Assigns. The updated FNM and FRE SSRs are both successful and reflect borrower xxxxxx, subject property xxxxxx, appraised value xxxxxx, and appraisal effective date xx/xx/xxxx. Please Clear. - xx/xx/xxxx

 2026-07-01 14:27 Resolved 2 1 3 1
4000132619 xx/xx/xxxx xxxxx xxxxx IL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9688268 5 of 5 xx/xx/xxxx Credit Purchase Contract - Parties All parties were not properly identified on the Purchase Contract. Contract for sale does not state the Sellers Name, nor did the Seller initial all pages of the contract.  Provide complete executed Sales Contract.

Contract with Seller name, please note seller did initial all pages required. - xx/xx/xxxx

 Completed Sales Contract was provided.  Condition resolved. - xx/xx/xxxx

Contract with Seller name, please note seller did initial all pages required. - xx/xx/xxxx

 Completed Sales Contract was provided.  Condition resolved. - xx/xx/xxxx

Contract with Seller name, please note seller did initial all pages required. - xx/xx/xxxx

 2026-06-12 18:54 Resolved 3 1 3 1
4000133290 xx/xx/xxxx xxxxx xxxxx MA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9735217 4 of 4 xx/xx/xxxx Credit Hazard Insurance - Other Insurance Incomplete The policy verifying other property insurance is not complete. Provide evidence HOI Policy was paid in full. 

Confirmation the policy renewal was paid, and the provided insurance policy is currently active. - xx/xx/xxxx

 Email from HOI stating policy was paid in full was provided.  Condition resolved. - xx/xx/xxxx

Confirmation the policy renewal was paid, and the provided insurance policy is currently active. - xx/xx/xxxx

 Email from HOI stating policy was paid in full was provided.  Condition resolved. - xx/xx/xxxx

Confirmation the policy renewal was paid, and the provided insurance policy is currently active. - xx/xx/xxxx

 2026-06-16 17:05 Resolved 3 1 3 1
4000125691 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9527879 1 of 3 xx/xx/xxxx Compliance Condo Rider is Missing box checked on DOT, could not locate document in file
 Condo Rider is missing.



Condo Rider Provided - xx/xx/xxxx

 Condo Rider - xx/xx/xxxx

 Condo Rider is missing. - xx/xx/xxxx

Condo Rider Provided - xx/xx/xxxx

Condo Rider - xx/xx/xxxx

 Condo Rider is missing. - xx/xx/xxxx

Condo Rider Provided - xx/xx/xxxx

Condo Rider - xx/xx/xxxx

 2026-06-11 20:43 Resolved 3 1 3 1
4000126004 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9095431 1 of 6 xx/xx/xxxx Credit Condo - Documentation The loan file did not contain required condo documentation (ie. Master HOI, Condo Questionnaire, Condo Budget, Project Review).  CPM/xxxxxx and the Budget is missing is missing.



Condo docs - xx/xx/xxxx

 Limited review, nothing besides master insurance is required. Escalate to management if you disagree. - xx/xx/xxxx

 Condominium Underwriter Certification of Project Eligibility, and CPM were provided showing Condo Approval.  Condition resolved. - xx/xx/xxxx

Condo docs - xx/xx/xxxx

Condition upheld.  Provide Lender's Certification for Limited Review, CPM, or PAR. - xx/xx/xxxx

Limited review, nothing besides master insurance is required. Escalate to management if you disagree. - xx/xx/xxxx

 Condominium Underwriter Certification of Project Eligibility, and CPM were provided showing Condo Approval.  Condition resolved. - xx/xx/xxxx

Condo docs - xx/xx/xxxx

Condition upheld.  Provide Lender's Certification for Limited Review, CPM, or PAR. - xx/xx/xxxx

Limited review, nothing besides master insurance is required. Escalate to management if you disagree. - xx/xx/xxxx

 2026-05-22 15:28 Resolved 3 1 4 1
4000128449 xx/xx/xxxx xxxxx xxxxx TX Second Home Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9580507 4 of 5 xx/xx/xxxx Property Subject property appraisal is not on an as-is basis (Primary Value) Primary value subject property appraisal is not on an as-is basis. Missing 1004D showing/validating completion of repairs, etc.



completion report attached. - xx/xx/xxxx

 Completion Cert was provided.  All repairs listed on the CD, Contract Addendum, and Appraisal were completed.  Condition resolved. - xx/xx/xxxx

Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - xx/xx/xxxx

completion report attached. - xx/xx/xxxx

 Completion Cert was provided.  All repairs listed on the CD, Contract Addendum, and Appraisal were completed.  Condition resolved. - xx/xx/xxxx

Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - xx/xx/xxxx

completion report attached. - xx/xx/xxxx

 2026-06-30 15:52 Resolved 3 1 3 1
4000130375 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9632260 1 of 3 xx/xx/xxxx Credit Purchase Contract - Missing The loan file did not contain the Purchase Contract as required. On the purchase contract, the borrower did not initial pages where updates/mxxxxxx-outs were completed.



Complete Contract - xx/xx/xxxx

 Executed contract provided.  Condition resolved. - xx/xx/xxxx

Complete Contract - xx/xx/xxxx

 Executed contract provided.  Condition resolved. - xx/xx/xxxx

Complete Contract - xx/xx/xxxx

 2026-06-19 00:44 Resolved 3 1 3 1
4000123118 xx/xx/xxxx xxxxx xxxxx NJ Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8581350 2 of 3 xx/xx/xxxx Credit Title Coverage is Less than Subject Lien(s) Total Title coverage is less than total amount of subject lien(s). Please provide the updated policy that reflects coverage of at least $xxxxxx

Commitment provided for $xxxxxx - xx/xx/xxxx

 updated Sch A - xx/xx/xxxx

 RCE - xx/xx/xxxx

 Title coverage amount of $xxxxxx is equal to or greater than total amount of subject lien(s) $xxxxxx+0+0 - xx/xx/xxxx
Commitment provided for $xxxxxx - xx/xx/xxxx
updated Sch A - xx/xx/xxxx
Condition upheld.  Condition is for Title Insurance, not Property Insurance. - xx/xx/xxxx
RCE - xx/xx/xxxx
 Title coverage amount of $xxxxxx is equal to or greater than total amount of subject lien(s) $xxxxxx+0+0 - xx/xx/xxxx
Commitment provided for $xxxxxx - xx/xx/xxxx
updated Sch A - xx/xx/xxxx
Condition upheld.  Condition is for Title Insurance, not Property Insurance. - xx/xx/xxxx
RCE - xx/xx/xxxx
 2026-04-17 13:08 Resolved 3 1 3 1
4000129208 xx/xx/xxxx xxxxx xxxxx NV Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9385601 2 of 6 xx/xx/xxxx Credit Other Credit Finding The appraisal provided for the subject property is in black and white. Please provide the copy with the photos in color. 

color appraisal - xx/xx/xxxx

 Color Appraisal was provided.  Condition resolved. - xx/xx/xxxx

color appraisal - xx/xx/xxxx

 Color Appraisal was provided.  Condition resolved. - xx/xx/xxxx

color appraisal - xx/xx/xxxx

 2026-06-01 17:52 Resolved 4 1 4 1
4000134138 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9896275 1 of 3 xx/xx/xxxx Property Missing Appraisal The loan file does not contain the appraisal. Lender to provide the complete appraisal including all color photos and the comparable rent schedule to verify the current Market rents. 



color appraisal - xx/xx/xxxx

 Appraisal provided. Condition resolved. - xx/xx/xxxx

color appraisal - xx/xx/xxxx

 Appraisal provided. Condition resolved. - xx/xx/xxxx

color appraisal - xx/xx/xxxx

 2026-06-25 18:55 Resolved 4 1 4 1
4000130688 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9586453 9 of 10 xx/xx/xxxx Compliance Missing evidence of rate lock Missing evidence of Rate Lock. The lock provided in file shows that the loan was approved using 12 months of business bank statements, but only the P&L is in the loan file. Please provide the updated lock reflecting the approval using the P&L or provide 12 months of bank statements. 



COC LE - xx/xx/xxxx

 Evidence of Rate Lock Provided - xx/xx/xxxx

Received evidende of rate lock - xx/xx/xxxx

COC LE - xx/xx/xxxx

 Evidence of Rate Lock Provided - xx/xx/xxxx

Received evidende of rate lock - xx/xx/xxxx

COC LE - xx/xx/xxxx

 2026-06-09 14:13 Resolved 3 1 4 1
4000124817 xx/xx/xxxx xxxxx xxxxx NJ Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9399424 3 of 4 xx/xx/xxxx Compliance Lender Credits That Cannot Decrease Test (50001262) The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($xxxxxx). The Last CD shows a total lender credit amount of ($xxxxxx). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Lender Credits decreased without a valid change of circumstance in the file.

COC CD - xx/xx/xxxx

  - xx/xx/xxxx

COC CD - xx/xx/xxxx

  - xx/xx/xxxx

COC CD - xx/xx/xxxx

 2026-06-02 13:43 Resolved 3 1 3 1
4000124817 xx/xx/xxxx xxxxx xxxxx NJ Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9399426 4 of 4 xx/xx/xxxx Compliance Charges That Cannot Increase Test (50001251) The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Appraisal fee increased without a valid change of circumstance in the file.



COC CD - xx/xx/xxxx

  - xx/xx/xxxx

COC CD - xx/xx/xxxx

  - xx/xx/xxxx

COC CD - xx/xx/xxxx

 2026-06-02 13:59 Resolved 3 1 3 1
4000128521 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9430515 2 of 6 xx/xx/xxxx Compliance Charges That In Total Cannot Increase More Than 10% Test (50001258) The total amount of the 10% category fees on the last Closing Disclosure ($xxxxxx) has increased by more than 10% over the current baseline value of ($xxxxxx). The total amount of fees in the 10% category cannot exceed ($xxxxxx). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). The Section E costs increased from a total of a $xxxxxx Recording Fee on the final Loan Estimate dated xx/xx/xxxx to a total of $3,508.00 (an increase to $xxxxxx of the Recording Fee and the addition of $xxxxxx in Transfer Taxes) on the final Closing Disclosure dated xx/xx/xxxx. 

COC CD - xx/xx/xxxx

 Received CIC for the increased fees - xx/xx/xxxx

Resolved - xx/xx/xxxx

COC CD - xx/xx/xxxx

 Received CIC for the increased fees - xx/xx/xxxx

Resolved - xx/xx/xxxx

COC CD - xx/xx/xxxx

 2026-06-05 13:15 Resolved 3 1 3 1
4000128521 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9430516 3 of 6 xx/xx/xxxx Compliance Charges That In Total Cannot Increase More Than 10% Test (50001257) The total amount of the 10% category fees ($425.00) has increased by more than 10% over the current baseline value of ($175.00). The total amount of fees in the 10% category cannot exceed ($19xxxxxx0). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). The Section E costs increased from a total of a $xxxxxx Recording Fee on the final Loan Estimate dated xx/xx/xxxx to a total of $3,508.00 (an increase to $xxxxxx of the Recording Fee and the addition of $xxxxxx in Transfer Taxes) on the final Closing Disclosure dated xx/xx/xxxx. 

COC CD - xx/xx/xxxx

 Received CIC for the increased fees - xx/xx/xxxx

Resolved - xx/xx/xxxx

COC CD - xx/xx/xxxx

 Received CIC for the increased fees - xx/xx/xxxx

Resolved - xx/xx/xxxx

COC CD - xx/xx/xxxx

 2026-06-05 13:16 Resolved 3 1 3 1
4000128521 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9430517 4 of 6 xx/xx/xxxx Compliance Charges That Cannot Increase Test (50001251) The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County, Doc Tax Stamps/Transfer Taxes – State. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Section E costs increased from a total of a $xxxxxx Recording Fee on the final Loan Estimate dated xx/xx/xxxx to a total of $xxxxxx (an increase to $xxxxxx of the Recording Fee and the addition of $xxxxxx in Transfer Taxes) on the final Closing Disclosure dated xx/xx/xxxx. 

COC CD - xx/xx/xxxx

 Received CIC for the increased fees - xx/xx/xxxx

Resolved - xx/xx/xxxx

COC CD - xx/xx/xxxx

 Received CIC for the increased fees - xx/xx/xxxx

Resolved - xx/xx/xxxx

COC CD - xx/xx/xxxx

 2026-06-05 13:16 Resolved 3 1 3 1
4000128521 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9430518 5 of 6 xx/xx/xxxx Compliance Insufficient Change of Circumstance (50001252) The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County, Doc Tax Stamps/Transfer Taxes – State. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)).

COC CD - xx/xx/xxxx

 Received CIC for the increased fees - xx/xx/xxxx

Resolved - xx/xx/xxxx

COC CD - xx/xx/xxxx

 Received CIC for the increased fees - xx/xx/xxxx

Resolved - xx/xx/xxxx

COC CD - xx/xx/xxxx

 2026-06-05 13:17 Resolved 3 1 3 1
4000128449 xx/xx/xxxx xxxxx xxxxx TX Second Home Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9578300 1 of 5 xx/xx/xxxx Compliance Charges That Cannot Increase Test (50001251) The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee, Collateral Desktop Analysis (CDA). Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Discount points increased on the Final CD due to the Loan Amount change. There wasn't a COC in the file dated around the disclosure date. 



COC - xx/xx/xxxx

 Received CIC for the increased fees - xx/xx/xxxx

Resolved - xx/xx/xxxx

COC - xx/xx/xxxx

 Received CIC for the increased fees - xx/xx/xxxx

Resolved - xx/xx/xxxx

COC - xx/xx/xxxx

 2026-06-18 14:46 Resolved 3 1 3 1
4000128449 xx/xx/xxxx xxxxx xxxxx TX Second Home Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9578576 3 of 5 xx/xx/xxxx Compliance Missing Change of Circumstance Discount points and desktop review added without a CIC

COC - xx/xx/xxxx

 Received CIC for increased fees - xx/xx/xxxx

COC - xx/xx/xxxx

 Received CIC for increased fees - xx/xx/xxxx

COC - xx/xx/xxxx

 2026-06-18 16:09 Resolved 3 1 3 1
4000126381 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9536239 3 of 6 xx/xx/xxxx Credit Eligibility - Non-Occupant Co-Borrower The subject transaction included non-occupant co-borrower which is not allowed per guidelines. Per the loan file B2 is a non-occupant co-borrower; however, the loan file contains a rent-free letter stating the borrower currently lives at the subject property for the past 5 years. The loan file also contains the signed Final 1003 which states B2 occupies the residence and has for the past 5 years, and B2 bank statements has the subject address. It appears B2 is an occupant of the property.   Repush Data.  Finding re-opened in error







Co-Borrower, xxxxxx, does occupy the borrower and has for 5 years as stated on the rent free letter.
The loan closed in a trust. To allow the loan to close in the trust, Jennifer had to be listed as a non-occupant, but she has and continues to occupy the property.  - xx/xx/xxxx
 Finding re-opened in error - xx/xx/xxxx

Condition set in error. Both Borrowers have and will occupy the subject property. - xx/xx/xxxx

Finding re-opened in error - xx/xx/xxxx

Condition set in error, both borrowers to occupy - xx/xx/xxxx

Condition set in error.  Both Borrowers have and will occupy the subject property. - xx/xx/xxxx

Co-Borrower, xxxxxx, does occupy the borrower and has for 5 years as stated on the rent free letter.

The loan closed in a trust. To allow the loan to close in the trust, Jennifer had to be listed as a non-occupant, but she has and continues to occupy the property.  - xx/xx/xxxx

 Finding re-opened in error - xx/xx/xxxx

Condition set in error. Both Borrowers have and will occupy the subject property. - xx/xx/xxxx

Finding re-opened in error - xx/xx/xxxx

Condition set in error, both borrowers to occupy - xx/xx/xxxx

Condition set in error.  Both Borrowers have and will occupy the subject property. - xx/xx/xxxx

Co-Borrower, xxxxxx, does occupy the borrower and has for 5 years as stated on the rent free letter.

The loan closed in a trust. To allow the loan to close in the trust, Jennifer had to be listed as a non-occupant, but she has and continues to occupy the property.  - xx/xx/xxxx

 2026-06-17 19:46 Resolved 3 1 3 1
4000134158 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9954114 1 of 3 xx/xx/xxxx Credit Third Party Fraud Report not Provided Missing third party fraud report.

Cleared Fraudguard - xx/xx/xxxx

 Cleared LoanSafe Report provided.  Condition resolved. - xx/xx/xxxx

Third party fraud report is provided - xx/xx/xxxx

Cleared Fraudguard - xx/xx/xxxx

 Cleared LoanSafe Report provided.  Condition resolved. - xx/xx/xxxx

Third party fraud report is provided - xx/xx/xxxx

Cleared Fraudguard - xx/xx/xxxx

 2026-06-29 16:35 Resolved 3 1 3 1
4000123408 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9400908 3 of 7 xx/xx/xxxx Credit Third Party Fraud Report not Provided Missing third party fraud report. Please provide the fraud report



cleared fraud report  - xx/xx/xxxx

 FRAUD REPORT  - xx/xx/xxxx

 Fraud Report provided.  Condition resolved. - xx/xx/xxxx

Third party fraud report is provided - xx/xx/xxxx

cleared fraud report  - xx/xx/xxxx

Condition upheld.  Fraud Report provided has numerous High Level Alerts that are not cleared not any evidence of being cleared was provided.  In addition provide verification SSN from SSA. - xx/xx/xxxx

FRAUD REPORT  - xx/xx/xxxx

 Fraud Report provided.  Condition resolved. - xx/xx/xxxx

Third party fraud report is provided - xx/xx/xxxx

cleared fraud report  - xx/xx/xxxx

Condition upheld.  Fraud Report provided has numerous High Level Alerts that are not cleared not any evidence of being cleared was provided.  In addition provide verification SSN from SSA. - xx/xx/xxxx

FRAUD REPORT  - xx/xx/xxxx

 2026-06-08 20:46 Resolved 3 1 3 1
4000133536 xx/xx/xxxx xxxxx xxxxx AZ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9824316 3 of 4 xx/xx/xxxx Credit Third Party Fraud Report not Provided Missing third party fraud report. Please provide the fraud report



CLEARED FRAUD REPORT  - xx/xx/xxxx

 fraud report  - xx/xx/xxxx

 Cleared Fraud Report was provided.  Condition resolved. - xx/xx/xxxx

Third party fraud report is provided - xx/xx/xxxx

CLEARED FRAUD REPORT  - xx/xx/xxxx

Condition upheld.  Fraud Report provided has uncleared High alerts.  Provided cleared Fraud Report and evidence of cleared alerts. - xx/xx/xxxx

fraud report  - xx/xx/xxxx

 Cleared Fraud Report was provided.  Condition resolved. - xx/xx/xxxx

Third party fraud report is provided - xx/xx/xxxx

CLEARED FRAUD REPORT  - xx/xx/xxxx

Condition upheld.  Fraud Report provided has uncleared High alerts.  Provided cleared Fraud Report and evidence of cleared alerts. - xx/xx/xxxx

fraud report  - xx/xx/xxxx

 2026-06-29 20:27 Resolved 3 1 3 1
4000125416 xx/xx/xxxx xxxxx xxxxx AZ Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9155450 3 of 4 xx/xx/xxxx Compliance Charges That Cannot Increase Test (50001251) The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Per Final CD datedxx/xx/xxxx Loan Discount Points were added in the amount of $792.75 without a valid Change of Circumstance in the file. 



cic - xx/xx/xxxx

 Disregard below.  Recieved CIC for the increased fee - xx/xx/xxxx

No affilates used - xx/xx/xxxx

cic - xx/xx/xxxx

 Disregard below.  Recieved CIC for the increased fee - xx/xx/xxxx

No affilates used - xx/xx/xxxx

cic - xx/xx/xxxx

 2026-06-11 15:10 Resolved 3 1 3 1
4000129797 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9745552 3 of 3 xx/xx/xxxx Compliance Missing Doc - CHARM Booklet/Missing CHARM Booklet is missing.

CHARM booklet - xx/xx/xxxx

 Received CHARM booklet - xx/xx/xxxx

CHARM booklet - xx/xx/xxxx

 Received CHARM booklet - xx/xx/xxxx

CHARM booklet - xx/xx/xxxx

 2026-06-17 14:44 Resolved 3 1 3 1
4000131900 xx/xx/xxxx xxxxx xxxxx OH Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9627941 2 of 3 xx/xx/xxxx Compliance Missing Doc - CHARM Booklet/Missing CHARM Booklet is missing.

CHARM - xx/xx/xxxx

 CHARM Booklet is Present or Not Applicable - xx/xx/xxxx

Received booklet - xx/xx/xxxx

CHARM - xx/xx/xxxx

 CHARM Booklet is Present or Not Applicable - xx/xx/xxxx

Received booklet - xx/xx/xxxx

CHARM - xx/xx/xxxx

 2026-06-11 13:51 Resolved 3 1 3 1
4000119552 xx/xx/xxxx xxxxx xxxxx TX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8340734 1 of 3 xx/xx/xxxx Credit Final Settlement Statement Missing. The final Settlement Statement document is missing.

CERTIFIED COPY - EXECUTED CD - xx/xx/xxxx

 As per Funder This is a xxxxxx wet funding state. There is no final settlement statement; only a preliminary CD is provided prior to closing documents. - xx/xx/xxxx

 Certified copy of Final CD provided.  Condition resolved. - xx/xx/xxxx

Final HUD-1 Document is not missing or estimated only. - xx/xx/xxxx

CERTIFIED COPY - EXECUTED CD - xx/xx/xxxx

Condition upheld.  xxxxxx is a Wet Funding state.  However xxxxxx does require all paperwork be completed and approved prior to funds being disbursed.  And under Federal Law a Final CD or Settlement Statement is required to be provided to the Borrower.  Provide the Final CD or Settlement Statement. - xx/xx/xxxx

As per Funder This is a xxxxxx wet funding state. There is no final settlement statement; only a preliminary CD is provided prior to closing documents. - xx/xx/xxxx

 Certified copy of Final CD provided.  Condition resolved. - xx/xx/xxxx

Final HUD-1 Document is not missing or estimated only. - xx/xx/xxxx

CERTIFIED COPY - EXECUTED CD - xx/xx/xxxx

Condition upheld.  xxxxxx is a Wet Funding state.  However xxxxxx does require all paperwork be completed and approved prior to funds being disbursed.  And under Federal Law a Final CD or Settlement Statement is required to be provided to the Borrower.  Provide the Final CD or Settlement Statement. - xx/xx/xxxx

As per Funder This is a xxxxxx wet funding state. There is no final settlement statement; only a preliminary CD is provided prior to closing documents. - xx/xx/xxxx

 2026-04-06 17:57 Resolved 3 1 3 1
4000131784 xx/xx/xxxx xxxxx xxxxx MD Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9642955 3 of 3 xx/xx/xxxx Credit Program Parameters - Borrower/Business Entity Ineligibility Per xxxxxx Guidesxx/xx/xxxx 8.9 Regarding business vesting - Sectionxx/xx/xxxx- a Certificate of Good Standing must be dated within 30 days of closing .The Certificate of Good Standing provided is datedxx/xx/xxxxith a closing date ofxx/xx/xxxxnd does not meet guides.
 

 certificate of status - xx/xx/xxxx

 Certificate of Good Standing was provided.  Condition resolved. - xx/xx/xxxx

certificate of status - xx/xx/xxxx

 Certificate of Good Standing was provided.  Condition resolved. - xx/xx/xxxx

certificate of status - xx/xx/xxxx

 2026-06-14 16:08 Resolved 3 1 3 1
4000107280 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 7362634 2 of 2 xx/xx/xxxx Property Appraisal is Missing The file is missing the appraisal. Missing secondary valuation



CDA value $xxxxxx.  Appraisal value $xxxxxx. - xx/xx/xxxx

 CDA supporting value provided.  Condition resolved. - xx/xx/xxxx
Appraisal is Present or is Waived - xx/xx/xxxx
CDA value $xxxxxx.  Appraisal value $xxxxxx. - xx/xx/xxxx
 CDA supporting value provided.  Condition resolved. - xx/xx/xxxx

Appraisal is Present or is Waived - xx/xx/xxxx

CDA value $xxxxxx.  Appraisal value $xxxxxx. - xx/xx/xxxx

 2026-06-18 15:48 Resolved 4 1 4 1
4000129177 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9489555 3 of 4 xx/xx/xxxx Property Missing Doc - 3rd Party Valuation Product/Missing The loan file did not contain the required 3rd party valuation product.

CDA value $xxxxxx.  Appraisal value $xxxxxx.  Less than 10% difference.  - xx/xx/xxxx
 CDA provided.  Condition resolved.  Additional Condition added for CDA returning a High Risk Score. - xx/xx/xxxx
CDA value $xxxxxx.  Appraisal value $xxxxxx.  Less than 10% difference.  - xx/xx/xxxx
 CDA provided.  Condition resolved.  Additional Condition added for CDA returning a High Risk Score. - xx/xx/xxxx

CDA value $xxxxxx.  Appraisal value $xxxxxx.  Less than 10% difference.  - xx/xx/xxxx

 2026-06-03 17:22 Resolved 3 1 3 1
4000128888 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9329411 4 of 4 xx/xx/xxxx Property Missing Doc - 3rd Party Valuation Product/Missing The loan file did not contain the required 3rd party valuation product.

CDA value $xxxxxx.  Appraisal value $xxxxxx. - xx/xx/xxxx
 CDA supporting value was provided.  Condition resolved. - xx/xx/xxxx

CDA value $xxxxxx.  Appraisal value $xxxxxx. - xx/xx/xxxx

 CDA supporting value was provided.  Condition resolved. - xx/xx/xxxx

CDA value $xxxxxx.  Appraisal value $xxxxxx. - xx/xx/xxxx

 2026-05-22 13:58 Resolved 3 1 3 1
4000134836 xx/xx/xxxx xxxxx xxxxx KS Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10269640 3 of 3 xx/xx/xxxx Property Missing Doc - 3rd Party Valuation Product/Missing The loan file did not contain the required 3rd party valuation product.

CDA value $xxxxxx.  Appraised value $xxxxxx - xx/xx/xxxx
 CDA supporting value was provided. Condition resolved. - xx/xx/xxxx

CDA value $xxxxxx.  Appraised value $xxxxxx - xx/xx/xxxx

 CDA supporting value was provided. Condition resolved. - xx/xx/xxxx

CDA value $xxxxxx.  Appraised value $xxxxxx - xx/xx/xxxx

 2026-07-16 21:04 Resolved 3 1 3 1
4000138081 xx/xx/xxxx xxxxx xxxxx IN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10267096 1 of 3 xx/xx/xxxx Credit Third Party Fraud Report not Provided Missing third party fraud report.

CDA value $xxxxxx.  Appraisal value $xxxxxx. - xx/xx/xxxx
 CDA supporting value was provided.  Condition resolved. - xx/xx/xxxx

CDA value $xxxxxx.  Appraisal value $xxxxxx. - xx/xx/xxxx

 CDA supporting value was provided.  Condition resolved. - xx/xx/xxxx

CDA value $xxxxxx.  Appraisal value $xxxxxx. - xx/xx/xxxx

 2026-07-16 20:57 Resolved 3 1 3 1
4000133244 xx/xx/xxxx xxxxx xxxxx MI Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9724030 4 of 4 xx/xx/xxxx Property Missing Doc - 3rd Party Valuation Product/Missing The loan file did not contain the required 3rd party valuation product. Please provide the third party valuation product that supports the appraised value.



CDA value $xxxxxx.  Appraised value $xxxxxx - xx/xx/xxxx
 CDA supporting value was provided.  Condition resolved. - xx/xx/xxxx

CDA value $xxxxxx.  Appraised value $xxxxxx - xx/xx/xxxx

 CDA supporting value was provided.  Condition resolved. - xx/xx/xxxx

CDA value $xxxxxx.  Appraised value $xxxxxx - xx/xx/xxxx

 2026-06-15 19:55 Resolved 3 1 3 1
4000136077 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10002849 3 of 3 xx/xx/xxxx Property Missing Doc - 3rd Party Valuation Product/Missing The loan file did not contain the required 3rd party valuation product. The loan file is missing the TPV. 



CDA value $xxxxxx.  Appraised value $xxxxxx - xx/xx/xxxx
 CDA supporting value was provided.  Condition resolved. - xx/xx/xxxx

CDA value $xxxxxx.  Appraised value $xxxxxx - xx/xx/xxxx

 CDA supporting value was provided.  Condition resolved. - xx/xx/xxxx

CDA value $xxxxxx.  Appraised value $xxxxxx - xx/xx/xxxx

 2026-07-02 14:28 Resolved 3 1 3 1
4000128919 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9380248 7 of 8 xx/xx/xxxx Property Third party valuation product to support appraisal value is missing The CU score is unacceptable or not provided. Third party valuation product to support appraisal value is missing
 



 CDA value $xxxxxx.  Appraisal value $xxxxxx - xx/xx/xxxx
 CDA supporting value was provided.  Condition resolved. - xx/xx/xxxx

CDA provided supporting value. Condition resolved. - xx/xx/xxxx

The CU/LCA score is provided. - xx/xx/xxxx

CDA value $xxxxxx.  Appraisal value $xxxxxx - xx/xx/xxxx

 CDA supporting value was provided.  Condition resolved. - xx/xx/xxxx

CDA provided supporting value. Condition resolved. - xx/xx/xxxx

The CU/LCA score is provided. - xx/xx/xxxx

CDA value $xxxxxx.  Appraisal value $xxxxxx - xx/xx/xxxx

 2026-05-28 13:56 Resolved 3 1 3 1
4000135044 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9988414 3 of 4 xx/xx/xxxx Property Missing Doc - 3rd Party Valuation Product/Missing The loan file did not contain the required 3rd party valuation product. The loan file is missing the TPV. 



CDA value $xxxxxx .  Appraised value $xxxxxx . - xx/xx/xxxx
 CDA supporting value was provided.  Condition resolved. - xx/xx/xxxx

CDA value $xxxxxx .  Appraised value $xxxxxx . - xx/xx/xxxx

 CDA supporting value was provided.  Condition resolved. - xx/xx/xxxx

CDA value $xxxxxx .  Appraised value $xxxxxx . - xx/xx/xxxx

 2026-07-02 14:31 Resolved 3 1 3 1
4000128915 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9184538 3 of 6 xx/xx/xxxx Property Missing Doc - 3rd Party Valuation Product/Missing The loan file did not contain the required 3rd party valuation product. The loan file is missing the third-party valuation. 



CDA value $xxxxxx.  Appraisal value $xxxxxx. - xx/xx/xxxx
 CDA supporting value was provided.  Condition resolved. - xx/xx/xxxx

CDA value $xxxxxx.  Appraisal value $xxxxxx. - xx/xx/xxxx

 CDA supporting value was provided.  Condition resolved. - xx/xx/xxxx

CDA value $xxxxxx.  Appraisal value $xxxxxx. - xx/xx/xxxx

 2026-05-18 17:53 Resolved 3 1 3 2
4000132841 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9716460 6 of 6 xx/xx/xxxx Property Missing Doc - 3rd Party Valuation Product/Missing The loan file did not contain the required 3rd party valuation product.

CDA attached  - xx/xx/xxxx

 CDA supporting value was provided. Condition resolved. - xx/xx/xxxx

CDA attached  - xx/xx/xxxx

 CDA supporting value was provided. Condition resolved. - xx/xx/xxxx

CDA attached  - xx/xx/xxxx

 2026-06-16 14:36 Resolved 3 1 3 1
4000109953 xxxxx xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 7141642 3 of 3 xx/xx/xxxx Property Appraisal is Missing The file is missing the appraisal. The file is missing a secondary valuation.



CDA - xx/xx/xxxx

 CDA supporting value was provided.  Condition resolved. - xx/xx/xxxx

Appraisal is Present or is Waived - xx/xx/xxxx

CDA - xx/xx/xxxx

 CDA supporting value was provided.  Condition resolved. - xx/xx/xxxx

Appraisal is Present or is Waived - xx/xx/xxxx

CDA - xx/xx/xxxx

 2026-01-29 18:40 Resolved 4 1 4 1
4000129128 xx/xx/xxxx xxxxx xxxxx MA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9774651 2 of 3 xx/xx/xxxx Property Missing Doc - 3rd Party Valuation Product/Missing The loan file did not contain the required 3rd party valuation product.

CDA - xx/xx/xxxx

 CDA supporting value was provided.  Condition resolved. - xx/xx/xxxx

CDA - xx/xx/xxxx

 CDA supporting value was provided.  Condition resolved. - xx/xx/xxxx

CDA - xx/xx/xxxx

 2026-06-17 20:05 Resolved 3 1 3 1
4000125319 xx/xx/xxxx xxxxx xxxxx VT Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9565224 3 of 3 xx/xx/xxxx Property Missing Doc - 3rd Party Valuation Product/Missing The loan file did not contain the required 3rd party valuation product.

CDA - xx/xx/xxxx

 appraisal - xx/xx/xxxx

 CDA supporting value was provided.  Condition resolved. - xx/xx/xxxx

CDA - xx/xx/xxxx

Condition upheld.  The Appraisal was provided with the loan file.  The 3rd party valuation product required by guidelines is missing. - xx/xx/xxxx

appraisal - xx/xx/xxxx

 CDA supporting value was provided.  Condition resolved. - xx/xx/xxxx

CDA - xx/xx/xxxx

Condition upheld.  The Appraisal was provided with the loan file.  The 3rd party valuation product required by guidelines is missing. - xx/xx/xxxx

appraisal - xx/xx/xxxx

 2026-06-15 03:49 Resolved 3 1 3 1
4000120048 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9253705 2 of 5 xx/xx/xxxx Credit Reserves - Insufficient for REO The verified reserves are not sufficient to meet guideline requirements for REO properties. Total verified reserves are not sufficient to cover the total reserves required including REO properties per guidelines. Per B1's loan application another home is being purchased simultaneously. Missing the CD for that property to confirm we have sufficient funds to close and reserves. 



CD  - xx/xx/xxxx

 CD from other purchase was provided and $xxxxxx was subtract from Borrower's available funds.  Condition resolved. - xx/xx/xxxx
CD  - xx/xx/xxxx
 CD from other purchase was provided and $xxxxxx was subtract from Borrower's available funds.  Condition resolved. - xx/xx/xxxx

CD  - xx/xx/xxxx

 2026-05-28 18:04 Resolved 2 1 3 1
4000128894 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9074136 3 of 10 xx/xx/xxxx Credit Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd party VOE prior to close missing. Per guidelines, Verification of business existence and that the business is fully operational/active is required within ten (10) calendar days of closing is required. This documentation is missing from the loan file.



business search - xx/xx/xxxx

 Verification of Existence of Business was provided. Condition resolved. - xx/xx/xxxx

Borrower 1 3rd Party VOE prior to close was provided. - xx/xx/xxxx

business search - xx/xx/xxxx

 Verification of Existence of Business was provided. Condition resolved. - xx/xx/xxxx

Borrower 1 3rd Party VOE prior to close was provided. - xx/xx/xxxx

business search - xx/xx/xxxx

 2026-06-15 16:52 Resolved 3 1 3 1
4000119002 xx/xx/xxxx xxxxx xxxxx NV Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8369008 1 of 3 xx/xx/xxxx Credit Missing Business Purpose Affidavit File is missing statement of business purpose.

Business Purpose Affidavit - xx/xx/xxxx

 BUSINESS PURPOSE & OCCUPANCY AFFIDAVIT provided.  Condition resolved.
 - xx/xx/xxxx

Business Purpose Affidavit - xx/xx/xxxx

 BUSINESS PURPOSE & OCCUPANCY AFFIDAVIT provided.  Condition resolved.
 - xx/xx/xxxx

Business Purpose Affidavit - xx/xx/xxxx

 2026-04-01 18:19 Resolved 3 1 3 1
4000122969 xx/xx/xxxx xxxxx xxxxx AZ Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9335312 3 of 3 xx/xx/xxxx Credit Credit Documentation - Letter of Explanation The loan file did not contain a letter of explanation as required. The business narrative is missing from the loan file. Per guidelines, the Borrower narrative on the nature of business is required



Business Narrative attached - xx/xx/xxxx

 LOE from Borrower on Nature of Business was provided.  Condition resolved. - xx/xx/xxxx

Business Narrative attached - xx/xx/xxxx

 LOE from Borrower on Nature of Business was provided.  Condition resolved. - xx/xx/xxxx

Business Narrative attached - xx/xx/xxxx

 2026-06-08 15:14 Resolved 3 1 3 1
4000123408 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9401354 4 of 7 xx/xx/xxxx Credit Credit Documentation - Letter of Explanation The loan file did not contain a letter of explanation as required. Please provide the Business Narrative



BUSINESS NARRATIVE  - xx/xx/xxxx

 Business Narrative provided.  Condition resolved. - xx/xx/xxxx

BUSINESS NARRATIVE  - xx/xx/xxxx

 Business Narrative provided.  Condition resolved. - xx/xx/xxxx

BUSINESS NARRATIVE  - xx/xx/xxxx

 2026-06-03 15:29 Resolved 3 1 3 1
4000128444 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9440831 3 of 4 xx/xx/xxxx Credit Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd party VOE prior to close missing. Per guidelines, Verification of business existence and that the business is fully operational / active required within ten (10) calendar days of closing. This documentation is missing from the loan file. 



Business listing  - xx/xx/xxxx

 CPA Letter - xx/xx/xxxx

 Business existence was provided.  Condition resolved. - xx/xx/xxxx

Borrower 1 3rd Party VOE prior to close was provided. - xx/xx/xxxx

Business listing  - xx/xx/xxxx

Condition upheld.  Verification of business existence and that the business is fully operational / active required within ten (10) calendar days of closing was not provided. - xx/xx/xxxx

CPA Letter - xx/xx/xxxx

 Business existence was provided.  Condition resolved. - xx/xx/xxxx

Borrower 1 3rd Party VOE prior to close was provided. - xx/xx/xxxx

Business listing  - xx/xx/xxxx

Condition upheld.  Verification of business existence and that the business is fully operational / active required within ten (10) calendar days of closing was not provided. - xx/xx/xxxx

CPA Letter - xx/xx/xxxx

 2026-06-04 18:59 Resolved 3 1 3 1
4000128444 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9440836 4 of 4 xx/xx/xxxx Credit Credit Documentation - Letter of Explanation The loan file did not contain a letter of explanation as required. Per guidelines, an internet search of the business is required with documentation to be included in the credit file to support the existence of the business. This documentation is missing from the loan file. 



Business is open - xx/xx/xxxx

 CPA Letter - xx/xx/xxxx

 Business existence was provided.  Condition resolved. - xx/xx/xxxx

Business is open - xx/xx/xxxx

Condition upheld.  An internet search of the business is required with documentation to be included in the credit file to support the existence of the business was not provided. - xx/xx/xxxx

CPA Letter - xx/xx/xxxx

 Business existence was provided.  Condition resolved. - xx/xx/xxxx

Business is open - xx/xx/xxxx

Condition upheld.  An internet search of the business is required with documentation to be included in the credit file to support the existence of the business was not provided. - xx/xx/xxxx

CPA Letter - xx/xx/xxxx

 2026-06-04 19:00 Resolved 3 1 3 1
4000129759 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9511231 1 of 3 xx/xx/xxxx Credit Borrower 2 3rd Party VOE Prior to Close Missing Borrower 2 3rd party VOE prior to close missing. Lender to provide B2 VOE 10 days prior to close.



business existence - xx/xx/xxxx

 Verification of Business existence was provided.  Condition resolved. - xx/xx/xxxx

Borrower 2 3rd party VOE prior to close was provided. (Number of Borrowers equals 2) - xx/xx/xxxx

business existence - xx/xx/xxxx

 Verification of Business existence was provided.  Condition resolved. - xx/xx/xxxx

Borrower 2 3rd party VOE prior to close was provided. (Number of Borrowers equals 2) - xx/xx/xxxx

business existence - xx/xx/xxxx

 2026-06-04 18:39 Resolved 3 1 3 1
4000130688 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9577027 1 of 10 xx/xx/xxxx Credit Income - Income Documentation Missing The loan file did not contain the required income documentation. Verification of business existence and that the business is fully operational / active required within ten (10) business days of closing is required, but is missing from the loan file. 



business existence - xx/xx/xxxx

 Evidence of Business Existence was provided.  Condition resolved. - xx/xx/xxxx

business existence - xx/xx/xxxx

 Evidence of Business Existence was provided.  Condition resolved. - xx/xx/xxxx

business existence - xx/xx/xxxx

 2026-06-10 21:00 Resolved 3 1 4 1
4000130100 xx/xx/xxxx xxxxx xxxxx FL Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 944xxxxxx 3 of 4 xx/xx/xxxx Credit Condo - HOA Budget Missing The loan file did not contain the HOA budget as required. Lender to provide Current annual HOA/Project Budget missing from the loan file.



Budget  - xx/xx/xxxx

 attached approved  - xx/xx/xxxx

 Annual HOA/Project Budget provided. Condition resolved. - xx/xx/xxxx

Budget  - xx/xx/xxxx

Condition upheld.  Project Review and Condo Questionnaire provided.  Missing Annual HOA/Project Budget. - xx/xx/xxxx

attached approved  - xx/xx/xxxx

 Annual HOA/Project Budget provided. Condition resolved. - xx/xx/xxxx

Budget  - xx/xx/xxxx

Condition upheld.  Project Review and Condo Questionnaire provided.  Missing Annual HOA/Project Budget. - xx/xx/xxxx

attached approved  - xx/xx/xxxx

 2026-06-08 17:01 Resolved 3 1 3 1
4000129177 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9537414 4 of 4 xx/xx/xxxx Property VP - CU or LCAs should not be entered on 2nd lien loans Vista point requests no CU or LCAs be entered on 2nd lien loans. Please remove this data from the property page. CDA provided has a Risk Score of High.



BPO review within tolerance - xx/xx/xxxx

 BPO Supporting value was provided.  Condition resolved. - xx/xx/xxxx

BPO review within tolerance - xx/xx/xxxx

 BPO Supporting value was provided.  Condition resolved. - xx/xx/xxxx

BPO review within tolerance - xx/xx/xxxx

 2026-06-17 18:44 Resolved 3 1 3 1
4000136076 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10243588 1 of 4 xx/xx/xxxx Credit Third Party Fraud Report Partially Provided Third party fraud report partially provided. DSCR loan vested in an entity. xxxxxxMortgage guidelines require a fraud report for all non-borrowing shareholders who own 50% or more of the vested entity. The file does not contain a fraud report for member xxxxxx xx. 

Bottom of page 2 shows xx, xxxxxx. - xx/xx/xxxx
 Third Party Fraud Report is fully present - xx/xx/xxxx
2nd member on Fraud report.  - xx/xx/xxxx
Condition upheld.  Provide cleared Fraud Report for xxxxxxx. - xx/xx/xxxx
Bottom of page 2 shows xxx, xxxxxx. - xx/xx/xxxx
 Third Party Fraud Report is fully present - xx/xx/xxxx
2nd member on Fraud report.  - xx/xx/xxxx
Condition upheld.  Provide cleared Fraud Report for xxxxxxx. - xx/xx/xxxx
Bottom of page 2 shows xx, xxxxxx. - xx/xx/xxxx
 2026-08-06 19:44 Resolved 3 1 4 1
4000133497 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9713502 1 of 5 xx/xx/xxxx Credit Missing VOM or VOR Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Lender to provide a VOM / VOR or a credit supplement for the borrower's primary residence. 



Borrower's primary residence is xxxxxx.  The sole mortgage on the property is under his wife's name, xxxxxx .  Attached is the LOE from the borrower and credit report on Dorothy showing the current payment history on the $xxxxxx mortgage from xxxxxx. - xx/xx/xxxx
 Credit Report provided that shows the Primary residence mortgage is in wife's name.  Condition resolved. - xx/xx/xxxx

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - xx/xx/xxxx

Borrower's primary residence is xxxxxx.  The sole mortgage on the property is under his wife's name, xxxxxx .  Attached is the LOE from the borrower and credit report on Dorothy showing the current payment history on the $xxxxxx mortgage from xxxxxx. - xx/xx/xxxx

 Credit Report provided that shows the Primary residence mortgage is in wife's name.  Condition resolved. - xx/xx/xxxx

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - xx/xx/xxxx

Borrower's primary residence is xxxxxx.  The sole mortgage on the property is under his wife's name, xxxxxx .  Attached is the LOE from the borrower and credit report on Dorothy showing the current payment history on the $xxxxxx mortgage from xxxxxx. - xx/xx/xxxx

 2026-06-16 15:36 Resolved 3 1 3 1
4000126004 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9095992 2 of 6 xx/xx/xxxx Credit Liabilities - REO The loan file did not contain sufficient documentation to verify debts associated with all other properties. California fire policies are provided. Missing the dwelling policy for REO: 1)xxxxxx

 Borrower LOE - xx/xx/xxxx

 LOE from Borrower was provided.  Condition resolved. - xx/xx/xxxx

Borrower LOE - xx/xx/xxxx

 LOE from Borrower was provided.  Condition resolved. - xx/xx/xxxx

Borrower LOE - xx/xx/xxxx

 2026-06-11 13:11 Resolved 3 1 4 1
4000131925 xx/xx/xxxx xxxxx xxxxx NE Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9527113 1 of 3 xx/xx/xxxx Credit Third Party Fraud Report not Provided Missing third party fraud report. The loan file is missing the Fraud report. 



Borrower is living in xxxxxx state instead of  xxxxxx. Also, the borrower is born in xxxxxx so its highly unlikely this is borrower match to the EPLS. Also see attached SAM search. - xx/xx/xxxx
 mavent - xx/xx/xxxx
 fraud - xx/xx/xxxx
 Fraud Report with SAM and OFAC clearance was provided.  Condition resolved. - xx/xx/xxxx
Third party fraud report is provided - xx/xx/xxxx
Borrower is living in xxxxxx state instead of  xxxxxx. Also, the borrower is born in xxxxxx so its highly unlikely this is borrower match to the EPLS. Also see attached SAM search. - xx/xx/xxxx
Condition upheld. No evidence on how watch list was cleared.  Watchlist: xxxxxx.  Borrower Name:  xxxxxx. - xx/xx/xxxx
mavent - xx/xx/xxxx
Condition upheld.  Provide evidence of how watchlist alerts cleared. - xx/xx/xxxx
fraud - xx/xx/xxxx
 Fraud Report with SAM and OFAC clearance was provided.  Condition resolved. - xx/xx/xxxx
Third party fraud report is provided - xx/xx/xxxx
Borrower is living in xxxxxx state instead of  xxxxxx. Also, the borrower is born in xxxxxx so its highly unlikely this is borrower match to the EPLS. Also see attached SAM search. - xx/xx/xxxx
Condition upheld. No evidence on how watch list was cleared.  Watchlist: xxxxxx.  Borrower Name:  xxxxxx. - xx/xx/xxxx
mavent - xx/xx/xxxx
Condition upheld.  Provide evidence of how watchlist alerts cleared. - xx/xx/xxxx
fraud - xx/xx/xxxx
 2026-06-15 14:10 Resolved 3 1 3 1
4000135044 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9987966 1 of 4 xx/xx/xxxx Credit Eligibility - Citizenship Requirements The documented citizenship does not meet guideline requirements. Permanent Resident Aliens Must have valid Green Card, or Alien Registration Card I-551 with no expiration, or Alien Registration Card I-551 with expiration and accompanied by INS Form I-751 (petition to remove conditions) 



Borrower is a US citizen.  US Passport uploaded. - xx/xx/xxxx

 Borrower US citizen, condition to correct 1003 to reflect this added.  - xx/xx/xxxx

Borrower is a US citizen.  US Passport uploaded. - xx/xx/xxxx

 Borrower US citizen, condition to correct 1003 to reflect this added.  - xx/xx/xxxx

Borrower is a US citizen.  US Passport uploaded. - xx/xx/xxxx

 2026-07-02 12:38 Resolved 3 1 3 1
4000131503 xx/xx/xxxx xxxxx xxxxx PA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9596370 6 of 6 xx/xx/xxxx Credit Liabilities - REO The loan file did not contain sufficient documentation to verify debts associated with all other properties. Please provide the mortgage statements to verify the PITI for the xxxxxx & the xxxxxx properties. 

xxxxxx mtg statement and xxxxxx mtg statement  - xx/xx/xxxx
 Statements were provided and the mortgages are on the credit report in file.  Condition resolved. - xx/xx/xxxx

xxxxxx mtg statement and xxxxxx mtg statement  - xx/xx/xxxx

 Statements were provided and the mortgages are on the credit report in file.  Condition resolved. - xx/xx/xxxx

xxxxxx mtg statement and xxxxxx mtg statement  - xx/xx/xxxx

 2026-06-16 17:01 Resolved 3 1 4 1
4000128919 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9375460 3 of 8 xx/xx/xxxx Credit Cash reserves less than required by guidelines Total Cash reserves of '$-xxxxxx' are less than $0. The borrower was required to have $xxxxxx in reserves and $xxxxxx to bring to closing. The bank statement on file only shows $xxxxxx, which make the borrowers short to close $xxxxxx.
The loan file does contain 2 cashier's checks, both datedxx/xx/xxxx, one check drawn on xxxxxx for $xxxxxx and another check drawn onxxxxxxfor $xxxxxx. However, those funds cannot be sourced ort seasoned. 

Bank statement from xxxxxx  andxxxxxxbank provided.  - xx/xx/xxxx

 Total Cash reserves are greater than $0. - xx/xx/xxxx

xxxxxx  VOD was in file already. xxxxxxVOD was provided.  Condition resolved. - xx/xx/xxxx

xxxxxx  VOD was in file already. xxxxxxVOD was provided. - xx/xx/xxxx

Bank statement from xxxxxx  andxxxxxxbank provided.  - xx/xx/xxxx

 Total Cash reserves are greater than $0. - xx/xx/xxxx

xxxxxx  VOD was in file already. xxxxxxVOD was provided.  Condition resolved. - xx/xx/xxxx

xxxxxx  VOD was in file already. xxxxxxVOD was provided. - xx/xx/xxxx

Bank statement from xxxxxx  andxxxxxxbank provided.  - xx/xx/xxxx

 2026-08-14 14:48 Resolved 3 1 3 1
4000129010 xx/xx/xxxx xxxxx xxxxx IL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9437161 2 of 5 xx/xx/xxxx Credit Assets - Miscellaneous The loan file does not contain all required asset documentation. The statement for the originating account is required to document the source of the transfer deposited into the borrower's checking account on xx/xx/xxxx. While a Letter of Explanation has been provided regarding the large deposit, additional documentation is needed to verify ownership of the originating account and confirm that the funds belong to the borrower.



Bank statement for transfer and full access letter from Father to bank statement - xx/xx/xxxx

 Access letter and Bank statement provided to confirm transfer of funds.  - xx/xx/xxxx

Bank statement for transfer and full access letter from Father to bank statement - xx/xx/xxxx

 Access letter and Bank statement provided to confirm transfer of funds.  - xx/xx/xxxx

Bank statement for transfer and full access letter from Father to bank statement - xx/xx/xxxx

 2026-06-05 16:15 Resolved 3 1 3 1
4000135747 xx/xx/xxxx xxxxx xxxxx WI Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 10184433 3 of 5 xx/xx/xxxx Credit Third Party Fraud Report not Provided Missing third party fraud report. The loan file is missing the Fraud report. 



background check provided - xx/xx/xxxx

 Background check attached - xx/xx/xxxx

 Third party fraud report is provided - xx/xx/xxxx

background check provided - xx/xx/xxxx

Background check attached - xx/xx/xxxx

 Third party fraud report is provided - xx/xx/xxxx

background check provided - xx/xx/xxxx

Background check attached - xx/xx/xxxx

 2026-07-16 12:22 Resolved 3 1 4 1
4000126381 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Refinance QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9536225 2 of 6 xx/xx/xxxx Credit Audited DTI Exceeds Guideline DTI Audited DTI exceeds guideline DTI. The loan file is missing the Pension letter and or bank statement for proof of income. Therefore, the Borrower did not receive any credit for the monthly income which causes the DTI to be higher than the 50% Allowed. 



award letter/paystubs attached - xx/xx/xxxx

 Retirement statement provided.  DTI is within guidelines. - xx/xx/xxxx
Audited DTI of xxxxxx% is less than or equal to Guideline DTI of 50% - xx/xx/xxxx
award letter/paystubs attached - xx/xx/xxxx
 Retirement statement provided.  DTI is within guidelines. - xx/xx/xxxx

Audited DTI of xxxxxx% is less than or equal to Guideline DTI of 50% - xx/xx/xxxx

award letter/paystubs attached - xx/xx/xxxx

 2026-06-05 17:54 Resolved 3 1 3 1
4000128447 xx/xx/xxxx xxxxx xxxxx MI Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9438502 1 of 4 xx/xx/xxxx Property Appraisal is Expired Primary value appraisal is expired.

AVM - xx/xx/xxxx

 Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - xx/xx/xxxx

AVM - xx/xx/xxxx

 Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - xx/xx/xxxx

AVM - xx/xx/xxxx

 2026-06-01 19:03 Resolved 3 1 3 1
4000130234 xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9611139 4 of 4 xx/xx/xxxx Credit Missing letter of explanation Business funds were used in the approval. Per guidelines, all non-borrowing owners of the business must provide a signed and dated letter acknowledging the transaction and confirming the borrower’s access to funds in the account. This document is missing from the loan file from the other owner who owns a portion of the remaining 15% of the business.

auth ltr - xx/xx/xxxx

 Letter provided. Condition resolved. - xx/xx/xxxx

auth ltr - xx/xx/xxxx

 Letter provided. Condition resolved. - xx/xx/xxxx

auth ltr - xx/xx/xxxx

 2026-06-11 13:12 Resolved 3 1 3 1
4000117724 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8320179 4 of 5 xx/xx/xxxx Credit Purchase Contract - Addendum Missing The Purchase Contract Addendum is missing. Sales contract dated  xx/xx/xxxx TO CLOSE IN 60 DAYS xx/xx/xxxx - Missing sales contract addendum extending closing date under same terms. Note date is xx/xx/xxxx



 Atty email on contract - xx/xx/xxxx

 The reasonable expectation after the 60 days is 30 days per xxxxxx.  This is 2 days over. Condition resolved. - xx/xx/xxxx

Atty email on contract - xx/xx/xxxx

 The reasonable expectation after the 60 days is 30 days per xxxxxx.  This is 2 days over. Condition resolved. - xx/xx/xxxx

Atty email on contract - xx/xx/xxxx

 2026-04-03 14:31 Resolved 2 1 4 2
4000131115 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9563126 4 of 8 xx/xx/xxxx Compliance TRID: Missing Initial Closing Disclosure The loan file does not contain the initial Closing Disclosure.

Attached. - xx/xx/xxxx

 Received disclosure - xx/xx/xxxx

Attached. - xx/xx/xxxx

 Received disclosure - xx/xx/xxxx

Attached. - xx/xx/xxxx

 2026-06-09 15:10 Resolved 4 1 4 1
4000131115 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9569664 5 of 8 xx/xx/xxxx Credit Borrower 1 W2/1099 Missing Borrower 1 W2/1099 missing. Please provide thexxxxxxandxxxxxxW2's

Attached. - xx/xx/xxxx

 2024 andxxxxxxW-2's were provided.  Condition resolved. - xx/xx/xxxx

Borrower 1 W2/1099 provided - xx/xx/xxxx

Attached. - xx/xx/xxxx

 2025 andxxxxxxW-2's were provided.  Condition resolved. - xx/xx/xxxx

Borrower 1 W2/1099 provided - xx/xx/xxxx

Attached. - xx/xx/xxxx

 2026-06-09 13:55 Resolved 3 1 4 1
4000131115 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9570005 6 of 8 xx/xx/xxxx Compliance Missing evidence of rate lock Missing evidence of Rate Lock.  Per the lock, the loan was approved using 24 months of documentation, but 24 months of income documentation is not in the file. Please provide 24 months of income documentation or the updated lock along with thexxxxxxW2



Attached. - xx/xx/xxxx

 Full doc loan, condition resolved.  - xx/xx/xxxx

Full doc loan - xx/xx/xxxx

Attached. - xx/xx/xxxx

 Full doc loan, condition resolved.  - xx/xx/xxxx

Full doc loan - xx/xx/xxxx

Attached. - xx/xx/xxxx

 2026-06-09 19:52 Resolved 3 1 4 1
4000131115 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9563094 3 of 8 xx/xx/xxxx Compliance Federal - Closing Disclosure and Consummation Date The Initial Closing Disclosure Received Date of xxxxxx is not three business days before the consummation date of (xxxxx). Three business days before the consummation date is (xxxxxx). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD is missing. 

Attached. - xx/xx/xxxx

 Please clear or allow to add an attachment. - xx/xx/xxxx

 Received ICD - xx/xx/xxxx

Resolved - xx/xx/xxxx

Attached. - xx/xx/xxxx

Upheld, you should be able to add attachment now.  - xx/xx/xxxx

Please clear or allow to add an attachment. - xx/xx/xxxx

 Received ICD - xx/xx/xxxx

Resolved - xx/xx/xxxx

Attached. - xx/xx/xxxx

Upheld, you should be able to add attachment now.  - xx/xx/xxxx

Please clear or allow to add an attachment. - xx/xx/xxxx

 2026-06-11 14:13 Resolved 1 1 4 1
4000128116 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9339244 2 of 4 xx/xx/xxxx Credit Missing letter of explanation Delinquent property taxes of $xxxxxx are reflected on a non-subject property (xxxxxx) per the property details report; the delinquent property taxes need explanation. 
Attached-
• xxxxxx Treasurer and Tax Collector Property Tax Payment Inquiry confirming thexxxxxxandxxxxxxproperty taxes associated with parcel # xxxxxx are paid current
• xxxxxx Tax Payment History that confirms parcel #xxxxxx is associated with xxxxxx and thexxxxxxtaxes were paid on xx/xx/xxxx and xx/xx/xxxx
 - xx/xx/xxxx
 Evidence the property taxes on the cited are current was provided.  Condition resolved. - xx/xx/xxxx

Attached-

• xxxxxx Treasurer and Tax Collector Property Tax Payment Inquiry confirming thexxxxxxandxxxxxxproperty taxes associated with parcel # xxxxxx are paid current

• xxxxxx Tax Payment History that confirms parcel #xxxxxx is associated with xxxxxx and thexxxxxxtaxes were paid on xx/xx/xxxx and xx/xx/xxxx

 - xx/xx/xxxx

 Evidence the property taxes on the cited are current was provided.  Condition resolved. - xx/xx/xxxx

Attached-

• xxxxxx Treasurer and Tax Collector Property Tax Payment Inquiry confirming thexxxxxxandxxxxxxproperty taxes associated with parcel # xxxxxx are paid current

• xxxxxx Tax Payment History that confirms parcel #xxxxxx is associated with xxxxxx and thexxxxxxtaxes were paid on xx/xx/xxxx and xx/xx/xxxx

 - xx/xx/xxxx

 2026-06-04 20:57 Resolved 3 1 3 1
4000127588 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9561976 1 of 3 xx/xx/xxxx Credit Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Per Lender guidelines 7.2 v8.8 Housing history - Housing history evidenced by twelve (12) months proof of payment via cancelled checks, bank debits or institutional VOR. When the subject property or the borrower's primary residence has a private party mortgage xx/xx/xxxxindividual, private lender, hard money lender), the following documentation is also required: Borrower's proof of payment for the most recent 6-months xx/xx/xxxxCancelled checks, bank statements, ACH payments, bank transfer/wire, electronic payment method. The loan file contains a VOM; however, the payments are to a private xxxxxxon and the loan file did not contain the most recent 6 months cancelled checks. 



attached was provided-- VOM, along with 12 months payment rent was provided  - xx/xx/xxxx

 Proof of rental payments were located in the loan file and provided again.  Condition resolved. - xx/xx/xxxx

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - xx/xx/xxxx

attached was provided-- VOM, along with 12 months payment rent was provided  - xx/xx/xxxx

 Proof of rental payments were located in the loan file and provided again.  Condition resolved. - xx/xx/xxxx

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - xx/xx/xxxx

attached was provided-- VOM, along with 12 months payment rent was provided  - xx/xx/xxxx

 2026-06-10 13:47 Resolved 3 1 3 1
4000133756 xx/xx/xxxx xxxxx xxxxx NC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9820962 2 of 8 xx/xx/xxxx Credit Missing VOM or VOR Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The current mortgage being paid off is not on the credit report. At a minimum a 12 month VOM is required to support timely payments.



Attached is the VOM for the debt being paid off - xx/xx/xxxx

 VOM for subject provided.  Condition resolved. - xx/xx/xxxx

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - xx/xx/xxxx

Attached is the VOM for the debt being paid off - xx/xx/xxxx

 VOM for subject provided.  Condition resolved. - xx/xx/xxxx

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - xx/xx/xxxx

Attached is the VOM for the debt being paid off - xx/xx/xxxx

 2026-06-25 15:18 Resolved 3 1 3 1
4000133632 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9791552 1 of 4 xx/xx/xxxx Credit Property Title Issue Property title issue. Final title policy is not to show/be clear of items #8 seller/owner judgment; #9 purchaser/B1 lien reflected on the title commitment. There is no documentation in file verifying these items are not to be reflected on final title.



Attached is the final Fidelity National Title ALTA Loan Policy for loan xxxxxx. Page 9 reflects final Schedule A, Policy No. xxxxxx, File No. xxxxxx, datedxx/xx/xxxx, insuring xxxxxx ISAOA/ATIMA in the amount of $xxxxxx. Page 11 reflects final Schedule B, Part I, and does not carry forward the prior commitment item #8 seller/owner judgment or item #9 purchaser/B1 Environmental Control xxxxxxrd lien as exceptions. Page 12 reflects Schedule B, Part II as “NONE.” Page 14 also includes the TIRSA Environmental Protection Lien Endorsement. The final title policy supports that these items were not carried forward on final title and xxxxxx lien position is insured. Please Cancel. - xx/xx/xxxx
 Final Title provided.  Condition resolved. - xx/xx/xxxx

Property Title Issue Resolved - xx/xx/xxxx

Attached is the final Fidelity National Title ALTA Loan Policy for loan xxxxxx. Page 9 reflects final Schedule A, Policy No. xxxxxx, File No. xxxxxx, datedxx/xx/xxxx, insuring xxxxxx ISAOA/ATIMA in the amount of $xxxxxx. Page 11 reflects final Schedule B, Part I, and does not carry forward the prior commitment item #8 seller/owner judgment or item #9 purchaser/B1 Environmental Control xxxxxxrd lien as exceptions. Page 12 reflects Schedule B, Part II as “NONE.” Page 14 also includes the TIRSA Environmental Protection Lien Endorsement. The final title policy supports that these items were not carried forward on final title and xxxxxx lien position is insured. Please Cancel. - xx/xx/xxxx

 Final Title provided.  Condition resolved. - xx/xx/xxxx

Property Title Issue Resolved - xx/xx/xxxx

Attached is the final Fidelity National Title ALTA Loan Policy for loan xxxxxx. Page 9 reflects final Schedule A, Policy No. xxxxxx, File No. xxxxxx, datedxx/xx/xxxx, insuring xxxxxx ISAOA/ATIMA in the amount of $xxxxxx. Page 11 reflects final Schedule B, Part I, and does not carry forward the prior commitment item #8 seller/owner judgment or item #9 purchaser/B1 Environmental Control xxxxxxrd lien as exceptions. Page 12 reflects Schedule B, Part II as “NONE.” Page 14 also includes the TIRSA Environmental Protection Lien Endorsement. The final title policy supports that these items were not carried forward on final title and xxxxxx lien position is insured. Please Cancel. - xx/xx/xxxx

 2026-06-25 17:53 Resolved 3 1 3 1
4000133632 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9791645 2 of 4 xx/xx/xxxx Credit Purchase Contract - Missing Signature(s) The Purchase Contract has not been properly executed by all parties. Missing initials on pages of contract that have mxxxxxx outs/changes in the contract agreement.



Attached is the executed purchase contract. Per xxxxxx Section 3.1, purchase transactions require a copy of the fully executed sales contract and all addenda to be reviewed by the Underwriter and included in the mortgage file. Fannie Mae guidance requires a complete, ratified sales contract and all addenda for appraisal/contract review purposes, but does not require each handwritten mxxxxxx out or contract change to be separately initialed. The attached contract is executed by the seller,xxxxxx, and both purchasers,xxxxxx, on page 7. The file supports that the fully executed agreement of sale was provided and accepted for the transaction. Please Cancel. - xx/xx/xxxx
 Contract for sale provided.  Condition resolved. - xx/xx/xxxx
Attached is the executed purchase contract. Per xxxxxx Section 3.1, purchase transactions require a copy of the fully executed sales contract and all addenda to be reviewed by the Underwriter and included in the mortgage file. Fannie Mae guidance requires a complete, ratified sales contract and all addenda for appraisal/contract review purposes, but does not require each handwritten mxxxxxx out or contract change to be separately initialed. The attached contract is executed by the seller,xxxxxx, and both purchasers,xxxxxx, on page 7. The file supports that the fully executed agreement of sale was provided and accepted for the transaction. Please Cancel. - xx/xx/xxxx
 Contract for sale provided.  Condition resolved. - xx/xx/xxxx

Attached is the executed purchase contract. Per xxxxxx Section 3.1, purchase transactions require a copy of the fully executed sales contract and all addenda to be reviewed by the Underwriter and included in the mortgage file. Fannie Mae guidance requires a complete, ratified sales contract and all addenda for appraisal/contract review purposes, but does not require each handwritten mxxxxxx out or contract change to be separately initialed. The attached contract is executed by the seller,xxxxxx, and both purchasers,xxxxxx, on page 7. The file supports that the fully executed agreement of sale was provided and accepted for the transaction. Please Cancel. - xx/xx/xxxx

 2026-06-25 17:54 Resolved 2 1 3 1
4000133756 xx/xx/xxxx xxxxx xxxxx NC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9820961 1 of 8 xx/xx/xxxx Credit Housing History Does Not Meet Guideline Requirements Housing history does not meet guideline requirements. The primary residence is rented per the loan application. Per xxxxxx Guides 8.9xx/xx/xxxx, Section 7.2 Housing history - Twelve (12) months housing history is required for all occupancy types. Housing history evidenced by twelve (12) months proof of payment via cancelled checks, bank debits or institutional VOR. The VOR is from a private party and supports 7 months of history - the bank statements provided do not support any rental payments to correlate to the private party. Additionally a full 12 month history for the primary residence is not provided. Please request an exception from investor.



Attached is her prior primary address's mortgage history and an LOE on why that address on her primary address history - xx/xx/xxxx

 Housing history meets guideline requirements. - xx/xx/xxxx

Attached is her prior primary address's mortgage history and an LOE on why that address on her primary address history - xx/xx/xxxx

 Housing history meets guideline requirements. - xx/xx/xxxx

Attached is her prior primary address's mortgage history and an LOE on why that address on her primary address history - xx/xx/xxxx

 2026-06-25 15:16 Resolved 3 1 3 1
4000129891 xx/xx/xxxx xxxxx xxxxx NC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9608992 1 of 3 xx/xx/xxxx Credit Liabilities - REO The loan file did not contain sufficient documentation to verify debts associated with all other properties. Missing mortgage statement for primary residence to validate housing history within guidelines



Attached is confirmation the borrower's primary address has a $xxxxxx lien against it that lines up with the 2nd reported mortgage on her credit report fromxxxxxx.  Source of the primary address confirmation is xxxxxx. - xx/xx/xxxx
 CR in file verified the payment.  Condition resolved. - xx/xx/xxxx
Attached is confirmation the borrower's primary address has a $xxxxxx lien against it that lines up with the 2nd reported mortgage on her credit report fromxxxxxx.  Source of the primary address confirmation is xxxxxx. - xx/xx/xxxx
 CR in file verified the payment.  Condition resolved. - xx/xx/xxxx

Attached is confirmation the borrower's primary address has a $xxxxxx lien against it that lines up with the 2nd reported mortgage on her credit report fromxxxxxx.  Source of the primary address confirmation is xxxxxx. - xx/xx/xxxx

 2026-06-12 14:15 Resolved 3 1 3 1
4000126772 xx/xx/xxxx xxxxx xxxxx OR Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9206166 1 of 3 xx/xx/xxxx Credit Hazard Insurance Policy is Partial Hazard insurance policy partially provided. Hazard insurance policy provided omits the policy expiration date. Please provide the final copy detailing the policy effective and expiration dates accordingly.



Attached dec page. - xx/xx/xxxx

 attached. - xx/xx/xxxx

 HOI Policy provided. Condition resolved. - xx/xx/xxxx

Hazard Insurance Policy is fully present - xx/xx/xxxx

Attached dec page. - xx/xx/xxxx

Condition upheld. HOI Application was provided. Provide actual HOI POLICY to show Effective and Expiration dates. - xx/xx/xxxx

Condition upheld. HOI Application was provided. Provide actual HOI POLICY to show Effective and Expiration dates.
 - xx/xx/xxxx

Condition upheld.  HOI Application was provided.  Provide actual HOI POLICY to show Effective and Expiration dates. - xx/xx/xxxx

attached. - xx/xx/xxxx

 HOI Policy provided. Condition resolved. - xx/xx/xxxx

Hazard Insurance Policy is fully present - xx/xx/xxxx

Attached dec page. - xx/xx/xxxx

Condition upheld. HOI Application was provided. Provide actual HOI POLICY to show Effective and Expiration dates. - xx/xx/xxxx

Condition upheld. HOI Application was provided. Provide actual HOI POLICY to show Effective and Expiration dates.
 - xx/xx/xxxx

Condition upheld.  HOI Application was provided.  Provide actual HOI POLICY to show Effective and Expiration dates. - xx/xx/xxxx

attached. - xx/xx/xxxx

 2026-06-25 13:16 Resolved 3 1 3 1
4000133756 xx/xx/xxxx xxxxx xxxxx NC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9822639 5 of 8 xx/xx/xxxx Credit Third Party Fraud Report Partially Provided Third party fraud report partially provided. Per page 1 of the Fraud Report it total 103 pages. Only page 1 is provided - all the other pages are blank.



Attached background check for xxxxxx - xx/xx/xxxx
 Fraud Report provided.  Condition resolved. - xx/xx/xxxx

Third Party Fraud Report is fully present - xx/xx/xxxx

Attached background check for xxxxxx - xx/xx/xxxx

 Fraud Report provided.  Condition resolved. - xx/xx/xxxx

Third Party Fraud Report is fully present - xx/xx/xxxx

Attached background check for xxxxxx - xx/xx/xxxx

 2026-06-25 15:43 Resolved 3 1 3 1
4000131272 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9592213 1 of 4 xx/xx/xxxx Credit Borrower 1 Business Bank Statements Missing Borrower 1 Business Bank Statements missing from the file. Lender to provide 12 months bank statements to support income verified of $xxxxxx used for qualifying the borrower.

attached all statments - xx/xx/xxxx

 statements attached.  - xx/xx/xxxx

 12 months business bank statements were provided.  Condition resolved. - xx/xx/xxxx
Borrower 1 Business Bank Statements Provided - xx/xx/xxxx
attached all statments - xx/xx/xxxx
Condition upheld.  Income Worksheet in file has statements fromxxxxxx to xxxxxx.  The statements provided are from xxxxxx to xxxxxx  Provided additional statement(s) - xx/xx/xxxx
statements attached.  - xx/xx/xxxx
 13 months business bank statements were provided.  Condition resolved. - xx/xx/xxxx
Borrower 1 Business Bank Statements Provided - xx/xx/xxxx
attached all statments - xx/xx/xxxx
Condition upheld.  Income Worksheet in file has statements fromxxxxxxto xxxxxx.  The statements provided are from xxxxxx to xxxxxx.  Provided additional statement(s) - xx/xx/xxxx
statements attached.  - xx/xx/xxxx
 2026-06-17 20:47 Resolved 3 1 3 1
4000132411 xx/xx/xxxx xxxxx xxxxx AL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10232747 3 of 3 xx/xx/xxxx Credit Executed Exchange Agreement/Forward Sales Agreement Missing The loan file does not contain the executed Exchange Agreement/Forward Sale Agreement as required. Documentation of the transfer of funds from the exchange is missing from the loan file.



Attached 1031 Documents.pdf, page 1, Tax-Deferred Exchange Agreement identifying xxxxxx and xxxxxx with 103xxxxxx as Qualified Intermediary, and page 13 confirming the agreement was signed by xxxxxx and xxxxxx. Also attached 1031 Asset Exchange.pdf, page 1, 1031 AES letter datedxx/xx/xxxx confirming the borrowers are participating in an IRC Section 1031 Tax Deferred Exchange with an exchange account balance of $xxxxxx after fees. Attached RE Closing Statement.pdf, page 1, showing 103xxxxxx as Qualified Intermediary for xxxxxx and xxxxxx, and page 3 showing Exchange Proceeds to 103xxxxxx of $xxxxxx. Attached Final CD.pdf, page 3, showing 1031 Exchange Funds of $xxxxxx credited at closing, and page 6 showing the CD Addendum signed by xxxxxx datedxx/xx/xxxxDocumentation supports the executed 1031 exchange agreement, exchange proceeds, and use of 1031 exchange funds for the subject purchase. Please Cancel. - xx/xx/xxxx
 Complete 1031 Exchange docs were provided.  Condition resolved. - xx/xx/xxxx
Attached 1031 Documents.pdf, page 1, Tax-Deferred Exchange Agreement identifying xxxxxx and xxxxxx with 103xxxxxx as Qualified Intermediary, and page 13 confirming the agreement was signed by xxxxxx and xxxxxx. Also attached 1031 Asset Exchange.pdf, page 1, 1031 AES letter datedxx/xx/xxxx confirming the borrowers are participating in an IRC Section 1031 Tax Deferred Exchange with an exchange account balance of $xxxxxx after fees. Attached RE Closing Statement.pdf, page 1, showing 103xxxxxx as Qualified Intermediary for xxxxxx and xxxxxx, and page 3 showing Exchange Proceeds to 103xxxxxx of $xxxxxx. Attached Final CD.pdf, page 3, showing 1031 Exchange Funds of $xxxxxx credited at closing, and page 6 showing the CD Addendum signed by xxxxxx datedxx/xx/xxxxDocumentation supports the executed 1031 exchange agreement, exchange proceeds, and use of 1031 exchange funds for the subject purchase. Please Cancel. - xx/xx/xxxx
 Complete 1031 Exchange docs were provided.  Condition resolved. - xx/xx/xxxx

Attached 1031 Documents.pdf, page 1, Tax-Deferred Exchange Agreement identifying xxxxxx and xxxxxx with 103xxxxxx as Qualified Intermediary, and page 13 confirming the agreement was signed by xxxxxx and xxxxxx. Also attached 1031 Asset Exchange.pdf, page 1, 1031 AES letter datedxx/xx/xxxx confirming the borrowers are participating in an IRC Section 1031 Tax Deferred Exchange with an exchange account balance of $xxxxxx after fees. Attached RE Closing Statement.pdf, page 1, showing 103xxxxxx as Qualified Intermediary for xxxxxx and xxxxxx, and page 3 showing Exchange Proceeds to 103xxxxxx of $xxxxxx. Attached Final CD.pdf, page 3, showing 1031 Exchange Funds of $xxxxxx credited at closing, and page 6 showing the CD Addendum signed by xxxxxx datedxx/xx/xxxxDocumentation supports the executed 1031 exchange agreement, exchange proceeds, and use of 1031 exchange funds for the subject purchase. Please Cancel. - xx/xx/xxxx

 2026-07-15 21:28 Resolved 4 1 4 1
4000105982 xxxxx xx/xx/xxxx xxxxx xxxxx PA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 7096763 4 of 4 xx/xx/xxxx Compliance Missing evidence of rate lock Missing evidence of Rate Lock. Lender to provide rate lock confirmation with correct documentation for 12 mo. Bank Statement program instead of 24 mo. Bank Statement program.



attached - xx/xx/xxxx

 Received rate lock  - xx/xx/xxxx

attached - xx/xx/xxxx

 Received rate lock  - xx/xx/xxxx

attached - xx/xx/xxxx

 2026-01-15 15:23 Resolved 3 1 3 1
4000120506 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8660752 3 of 7 xx/xx/xxxx Credit Condo - HOA Budget Missing The loan file did not contain the HOA budget as required.

ATTACHED - xx/xx/xxxx

 CPM and Lender's Limited Review Form were provided.  Condition resolved. - xx/xx/xxxx

ATTACHED - xx/xx/xxxx

 CPM and Lender's Limited Review Form were provided.  Condition resolved. - xx/xx/xxxx

ATTACHED - xx/xx/xxxx

 2026-04-17 18:02 Resolved 3 1 4 1
4000122567 xx/xx/xxxx xxxxx xxxxx OH Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8978773 1 of 5 xx/xx/xxxx Credit Eligibility - Borrower Identity The loan file reflected potential identity issues. Lender to provide proof of borrower identity. 



attached - xx/xx/xxxx

 Borrower's Real ID was provided.  Condition resolved. - xx/xx/xxxx

attached - xx/xx/xxxx

 Borrower's Real ID was provided.  Condition resolved. - xx/xx/xxxx

attached - xx/xx/xxxx

 2026-05-05 20:02 Resolved 3 1 4 1
4000122567 xx/xx/xxxx xxxxx xxxxx OH Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9003335 3 of 5 xx/xx/xxxx Property Missing Doc - Documentation Missing The loan file does not contain all required valuation documents. Lender to provide all initial documentation / disclosures missing from the loan file.  Per documentation in file loan was approved and closed on the same date xx/xx/xxxx, Credit Report in file is dated xx/xx/xxxx, Compliance Summary has an application date of xx/xx/xxxx, they are both post note / closing date.  Initial Escrow Disclosure is also missing.



attached - xx/xx/xxxx

 Credit pulled after closing due to ineligible credit report "soft Pull" in file. No rescission as this is investment, closing on same day as approval is not common but allowed. Drive report pulled after closing. - xx/xx/xxxx

attached - xx/xx/xxxx

 Credit pulled after closing due to ineligible credit report "soft Pull" in file. No rescission as this is investment, closing on same day as approval is not common but allowed. Drive report pulled after closing. - xx/xx/xxxx

attached - xx/xx/xxxx

 2026-05-08 16:38 Resolved 4 1 4 1
4000122567 xx/xx/xxxx xxxxx xxxxx OH Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9005626 4 of 5 xx/xx/xxxx Property Missing Doc - 3rd Party Valuation Product/Missing The loan file did not contain the required 3rd party valuation product.

attached - xx/xx/xxxx

 CDA supporting value was provided.  Condition resolved. - xx/xx/xxxx

attached - xx/xx/xxxx

 CDA supporting value was provided.  Condition resolved. - xx/xx/xxxx

attached - xx/xx/xxxx

 2026-05-05 20:24 Resolved 3 1 4 1
4000126200 xx/xx/xxxx xxxxx xxxxx TX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8978062 1 of 5 xx/xx/xxxx Credit Missing VOM or VOR Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing.  Missing the rent free letter from the owner of xxxxxx

attached - xx/xx/xxxx

 Rent Free Letter was provided.  Condition resolved. - xx/xx/xxxx

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - xx/xx/xxxx

attached - xx/xx/xxxx

 Rent Free Letter was provided.  Condition resolved. - xx/xx/xxxx

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - xx/xx/xxxx

attached - xx/xx/xxxx

 2026-05-14 19:57 Resolved 3 1 3 1
4000129117 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9297827 1 of 6 xx/xx/xxxx Credit Asset 1 Less Than 2 Months Verified Asset has less than 2 months verified in file. Lender to provide the complete xxxxxxbank statements for assets 1,2, & 3. Current statements are required to verify cash to close and reserves. Statements for assets 2 & 3 are missing. 



attached - xx/xx/xxxx

 Asset statement provided.  Condition resolved. - xx/xx/xxxx

Condition upheld.  Provide the complete most recent asset statement for xxxxxx xxxxxxonal Checking #1892. - xx/xx/xxxx

attached - xx/xx/xxxx

 Asset statement provided.  Condition resolved. - xx/xx/xxxx

Condition upheld.  Provide the complete most recent asset statement for xxxxxx xxxxxxonal Checking #1892. - xx/xx/xxxx

attached - xx/xx/xxxx

 2026-06-09 17:53 Resolved 3 1 3 1
4000129117 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9297828 2 of 6 xx/xx/xxxx Credit Asset 2 Less Than 2 Months Verified Asset has less than 2 months verified in file. Lender to provide the complete xxxxxxbank statements for assets 1,2, & 3. Current statements are required to verify cash to close and reserves. Statements for assets 2 & 3 are missing. 



attached - xx/xx/xxxx

 Asset statement provided.  Condition resolved. - xx/xx/xxxx
Please provide the most recent asset statement for xxxxxx account #xxxxxx. - xx/xx/xxxx
attached - xx/xx/xxxx
 Asset statement provided.  Condition resolved. - xx/xx/xxxx

Please provide the most recent asset statement for xxxxxx account #xxxxxx. - xx/xx/xxxx

attached - xx/xx/xxxx

 2026-06-09 17:54 Resolved 3 1 3 1
4000129117 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9297829 3 of 6 xx/xx/xxxx Credit Asset 3 Less Than 2 Months Verified Asset has less than 2 months verified in file. Lender to provide the complete xxxxxxbank statements for assets 1,2, & 3. Current statements are required to verify cash to close and reserves. Statements for assets 2 & 3 are missing. 

attached - xx/xx/xxxx

 Asset statement provided.  Condition resolved. - xx/xx/xxxx
Please provide the most recent asset statement for xxxxxx Account #xxxxxx. - xx/xx/xxxx
attached - xx/xx/xxxx
 Asset statement provided.  Condition resolved. - xx/xx/xxxx

Please provide the most recent asset statement for xxxxxx Account #xxxxxx. - xx/xx/xxxx

attached - xx/xx/xxxx

 2026-06-09 17:54 Resolved 3 1 3 1
4000129117 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9580952 6 of 6 xx/xx/xxxx Credit Assets - Miscellaneous The loan file does not contain all required asset documentation. If Assets from the provided Business xxxxxx Bank account #xxxxxx is being used for funds to close/reserves, provide the Operating Agreement for xxxxxx to determine percentage of ownership.
attached - xx/xx/xxxx

 attached - xx/xx/xxxx

 attached - xx/xx/xxxx

 2026-06-09 17:55 Resolved 3 1 3 1
4000128825 xx/xx/xxxx xxxxx xxxxx TX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9355024 2 of 3 xx/xx/xxxx Credit Corporation/LLC: Operating Agreement Doc is Missing The loan file does not contain the Corporation/LLC: Operating Agreement.

attached - xx/xx/xxxx

 Operating Agreement and Addendum were provided.  Condition resolved. - xx/xx/xxxx

attached - xx/xx/xxxx

 Operating Agreement and Addendum were provided.  Condition resolved. - xx/xx/xxxx

attached - xx/xx/xxxx

 2026-05-28 15:41 Resolved 3 1 3 1
4000129944 xx/xx/xxxx xxxxx xxxxx MD Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9516806 1 of 3 xx/xx/xxxx Credit Audited LTV Exceeds Guideline LTV Audited LTV exceeds guideline LTV. Per Debt Service Coverage Ratio guidelines, the lower existing lease rental income of $xxxxxx, rather than the estimated Market rent of $xxxxxx, must be used for qualification purposes. Based on a Debt Service Coverage Ratio greater than xxxxxx and a xxxxxx credit score on a cash-out refinance transaction, the maximum allowable Loan-to-Value and Combined Loan-to-Value ratio is 65%. The audited Loan-to-Value ratio of 70% exceeds the program's maximum allowable limit and does not meet eligibility requirements.

attached - xx/xx/xxxx

 Condition set in error.  Subject is vacant, and Appraiser notes that subject has been recently remodeled and photos support the Appraisers comments. - xx/xx/xxxx

Audited LTV of 70% is less than or equal to Guideline LTV of 70% - xx/xx/xxxx

attached - xx/xx/xxxx

 Condition set in error.  Subject is vacant, and Appraiser notes that subject has been recently remodeled and photos support the Appraisers comments. - xx/xx/xxxx

Audited LTV of 70% is less than or equal to Guideline LTV of 70% - xx/xx/xxxx

attached - xx/xx/xxxx

 2026-06-12 17:27 Resolved 3 1 3 1
4000132437 xx/xx/xxxx xxxxx xxxxx PA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9518383 1 of 5 xx/xx/xxxx Compliance Missing required ARM Rider Deed of Trust is missing the Adjustable Rate Rider. 

attached - xx/xx/xxxx

 Adjustable Rate Rider is present or is Not Applicable (Note Type is ARM) - xx/xx/xxxx

Received rider - xx/xx/xxxx

attached - xx/xx/xxxx

 Adjustable Rate Rider is present or is Not Applicable (Note Type is ARM) - xx/xx/xxxx

Received rider - xx/xx/xxxx

attached - xx/xx/xxxx

 2026-06-10 14:50 Resolved 3 1 3 1
4000132437 xx/xx/xxxx xxxxx xxxxx PA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9519371 4 of 5 xx/xx/xxxx Compliance Missing evidence of rate lock Missing evidence of Rate Lock. Lender to provide missing xxxxxx  lock confirmation. 



attached - xx/xx/xxxx

 xxxxxx Lock was provided.  Condition resolved. - xx/xx/xxxx

attached - xx/xx/xxxx

 xxxxxx Lock was provided.  Condition resolved. - xx/xx/xxxx

attached - xx/xx/xxxx

 2026-06-10 17:14 Resolved 3 1 3 1
4000131119 xx/xx/xxxx xxxxx xxxxx MD Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9668811 2 of 2 xx/xx/xxxx Property Appraisal - Other There are additional appraisal findings. Missing Primary appraisal 



Attached - xx/xx/xxxx

 Appraisal provided.  Condition resolved. - xx/xx/xxxx

Attached - xx/xx/xxxx

 Appraisal provided.  Condition resolved. - xx/xx/xxxx

Attached - xx/xx/xxxx

 2026-06-12 02:54 Resolved 3 1 3 1
4000136076 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10247159 4 of 4 xx/xx/xxxx Credit Asset 1 Missing The asset statement used in the approval is missing from the loan file. Without these assets, the borrower is short to close -$xxxxxx and reserves of -$xxxxxx. Please provide the asset statement to show  Asset documentation is missing from the file.

attached - xx/xx/xxxx

 Asset statement, access letter and verification of EMD provided. - xx/xx/xxxx

attached - xx/xx/xxxx

 Asset statement, access letter and verification of EMD provided. - xx/xx/xxxx

attached - xx/xx/xxxx

 2026-07-17 13:19 Resolved 3 1 4 1
4000120506 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8660867 4 of 7 xx/xx/xxxx Credit Condo - Master Policy Insufficient The master hazard insurance policy verified total coverage which was not sufficient to cover total required coverage. Loan closedxx/xx/xxxxThe CONDO Master Policy expiresxx/xx/xxxxess than 60 days after closing. Missing the updated Master Policy. 



attached - xx/xx/xxxx

 updated - xx/xx/xxxx

 Condo Master renewal policy provided. Condition resolved. - xx/xx/xxxx

attached - xx/xx/xxxx

Condition upheld.  Condition is not for the Borrower's HO-6, It is for the Condo Master Insurance Policy. - xx/xx/xxxx

updated - xx/xx/xxxx

 Condo Master renewal policy provided. Condition resolved. - xx/xx/xxxx

attached - xx/xx/xxxx

Condition upheld.  Condition is not for the Borrower's HO-6, It is for the Condo Master Insurance Policy. - xx/xx/xxxx

updated - xx/xx/xxxx

 2026-04-21 17:08 Resolved 3 1 4 1
4000128825 xx/xx/xxxx xxxxx xxxxx TX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9354764 1 of 3 xx/xx/xxxx Property Missing Doc - 3rd Party Valuation Product/Missing The loan file did not contain the required 3rd party valuation product.

attached - xx/xx/xxxx

 attached - xx/xx/xxxx

 CU with a score of 1 was provided.  Condition resolved. - xx/xx/xxxx

attached - xx/xx/xxxx

Condition upheld. The attached CU datedxx/xx/xxxx has no score.  Provide 3rd party valuation. - xx/xx/xxxx

attached - xx/xx/xxxx

 CU with a score of 1 was provided.  Condition resolved. - xx/xx/xxxx

attached - xx/xx/xxxx

Condition upheld. The attached CU datedxx/xx/xxxx has no score.  Provide 3rd party valuation. - xx/xx/xxxx

attached - xx/xx/xxxx

 2026-06-10 18:10 Resolved 3 1 3 1
4000130100 xx/xx/xxxx xxxxx xxxxx FL Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9449500 4 of 4 xx/xx/xxxx Property Missing Homeowner's Association Questionnaire Lender to provide missing Condo Questionnaire.

attached  - xx/xx/xxxx

 Condo Questionnaire provided.  Condition resolved. - xx/xx/xxxx

attached  - xx/xx/xxxx

 Condo Questionnaire provided.  Condition resolved. - xx/xx/xxxx

attached  - xx/xx/xxxx

 2026-06-04 13:21 Resolved 3 1 3 1
4000128894 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9085354 10 of 10 xx/xx/xxxx Credit Asset 4 Missing Asset documentation is missing from the file. Please provide the full asset statement for the Fidelity account with a balance of $xxxxxx. The printout was provided, but is missing the borrower's name and account number. Per guidelines, all pages of the most recent one-month (1) statement or the most recent quarterly statement is required.

assets - xx/xx/xxxx

 Asset statement provided.  Condition resolved. - xx/xx/xxxx

Asset 4 Provided Or Not Applicable - xx/xx/xxxx

assets - xx/xx/xxxx

 Asset statement provided.  Condition resolved. - xx/xx/xxxx

Asset 4 Provided Or Not Applicable - xx/xx/xxxx

assets - xx/xx/xxxx

 2026-06-15 16:45 Resolved 3 1 3 1
4000127987 xx/xx/xxxx xxxxx xxxxx MS Second Home Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9556070 4 of 6 xx/xx/xxxx Credit Asset 2 Less Than 2 Months Verified Asset has less than 2 months verified in file. Lender to provide the complete bank statements for xxxxxxand xxxxxx for asset 2. The half page printout is not acceptable per the guidelines. 

assets - xx/xx/xxxx

 Additional Statements were provided.  Condition resolved. - xx/xx/xxxx

Asset 2 Verified Sufficiently Or Not Applicable - xx/xx/xxxx

assets - xx/xx/xxxx

 Additional Statements were provided.  Condition resolved. - xx/xx/xxxx

Asset 2 Verified Sufficiently Or Not Applicable - xx/xx/xxxx

assets - xx/xx/xxxx

 2026-06-15 18:23 Resolved 3 1 4 1
4000123439 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 8821671 4 of 5 xx/xx/xxxx Credit Cash reserves less than required by guidelines Total Cash reserves of '$xxxxxx' are less than $0. 6 months reserves are required. No bank statements/VOD provided to support the required reserves. 

Asset statement provided. Condition resolved. - xx/xx/xxxx

 reserves - xx/xx/xxxx

 Asset statement provided. Condition resolved. - xx/xx/xxxx

Asset statement provided. Condition resolved. - xx/xx/xxxx

Total Cash reserves are greater than $0. - xx/xx/xxxx

reserves - xx/xx/xxxx

 Asset statement provided. Condition resolved. - xx/xx/xxxx

Asset statement provided. Condition resolved. - xx/xx/xxxx

Total Cash reserves are greater than $0. - xx/xx/xxxx

reserves - xx/xx/xxxx

 2026-04-27 13:53 Resolved 3 1 3 1
4000130656 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9467309 3 of 3 xx/xx/xxxx Property Missing Appraisal The loan file does not contain the appraisal. File contains Completion/Update report, however original Appraisal is missing. 



appraisal

 - xx/xx/xxxx

 Appraisal provided.  Condition resolved. - xx/xx/xxxx

appraisal

 - xx/xx/xxxx

 Appraisal provided.  Condition resolved. - xx/xx/xxxx

appraisal

 - xx/xx/xxxx

 2026-06-02 19:52 Resolved 4 1 4 1
4000122595 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8801289 4 of 4 xx/xx/xxxx Property Appraisal - Photos Missing The loan file did not contain appraisal photos as required. Provide Appraisal with color photos. 

appraisal - xx/xx/xxxx

 Complete Appraisal in color was provided.  Condition resolved. - xx/xx/xxxx

appraisal - xx/xx/xxxx

 Complete Appraisal in color was provided.  Condition resolved. - xx/xx/xxxx

appraisal - xx/xx/xxxx

 2026-04-22 16:07 Resolved 3 1 4 1
4000127705 xx/xx/xxxx xxxxx xxxxx TX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9543188 3 of 3 xx/xx/xxxx Property Appraisal - Photos Missing The loan file did not contain appraisal photos as required. The loan file contains, the appraisal; however, all of the subject photos on comp photos are in black and white. 



Appraisal - xx/xx/xxxx

 Appraisal with Color Photos provided - xx/xx/xxxx

Appraisal - xx/xx/xxxx

 Appraisal with Color Photos provided - xx/xx/xxxx

Appraisal - xx/xx/xxxx

 2026-06-08 14:42 Resolved 3 1 3 1
4000132556 xx/xx/xxxx xxxxx xxxxx SC Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9676484 1 of 3 xx/xx/xxxx Credit Other Credit Finding Please provide a colored copy of the appraisal

appraisal - xx/xx/xxxx

 Full Color Appraisal was provided.  Condition resolved. - xx/xx/xxxx

appraisal - xx/xx/xxxx

 Full Color Appraisal was provided.  Condition resolved. - xx/xx/xxxx

appraisal - xx/xx/xxxx

 2026-06-12 20:23 Resolved 4 1 4 1
4000129680 xx/xx/xxxx xxxxx xxxxx NJ Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9668651 3 of 3 xx/xx/xxxx Property Appraisal is Missing The file is missing the appraisal. Missing primary appraisal



appraisal - xx/xx/xxxx

 appsl - xx/xx/xxxx

 Appraisal was provided.  Condition resolved. - xx/xx/xxxx

Appraisal is Present or is Waived - xx/xx/xxxx

appraisal - xx/xx/xxxx

Condition upheld.  Appraisal provided is not for the subject property or the Borrower. - xx/xx/xxxx

appsl - xx/xx/xxxx

 Appraisal was provided.  Condition resolved. - xx/xx/xxxx

Appraisal is Present or is Waived - xx/xx/xxxx

appraisal - xx/xx/xxxx

Condition upheld.  Appraisal provided is not for the subject property or the Borrower. - xx/xx/xxxx

appsl - xx/xx/xxxx

 2026-06-16 14:54 Resolved 4 1 4 1
4000125906 xx/xx/xxxx xxxxx xxxxx WA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9164617 1 of 4 xx/xx/xxxx Credit Final Settlement Statement Missing. The final Settlement Statement document is missing. Please provide a copy of the fully executed Final Closing Disclosure, or Final HUD-1 (as applicable).



ALTA Settlement Combined - xx/xx/xxxx

 Final Settlement Statement provided.  Condition resolved. - xx/xx/xxxx

Final HUD-1 Document is not missing or estimated only. - xx/xx/xxxx

ALTA Settlement Combined - xx/xx/xxxx

 Final Settlement Statement provided.  Condition resolved. - xx/xx/xxxx

Final HUD-1 Document is not missing or estimated only. - xx/xx/xxxx

ALTA Settlement Combined - xx/xx/xxxx

 2026-05-27 19:21 Resolved 3 1 3 1
4000135041 xx/xx/xxxx xxxxx xxxxx WA Second Home Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9894492 1 of 5 xx/xx/xxxx Credit Liabilities - REO The loan file did not contain sufficient documentation to verify debts associated with all other properties. Primary residence list $xxxxxx on final 1003 for HOA as escrow included in 1st mtg payment. Documentation in file $xxxxxx annually/$xxxxxx mo. Requesting documentation the correct HOA amount to be included in final DTI.

all property docs - HOI/Taxes/HOAs with updated 1008/1003 - xx/xx/xxxx

 All REO docs were provided.  Condition resolved. - xx/xx/xxxx

all property docs - HOI/Taxes/HOAs with updated 1008/1003 - xx/xx/xxxx

 All REO docs were provided.  Condition resolved. - xx/xx/xxxx

all property docs - HOI/Taxes/HOAs with updated 1008/1003 - xx/xx/xxxx

 2026-06-25 21:10 Resolved 3 1 3 1
4000135041 xx/xx/xxxx xxxxx xxxxx WA Second Home Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9900145 5 of 5 xx/xx/xxxx Compliance Missing Doc - Affiliated Business Disclosure/Missing Required Affiliated Business Disclosure missing Privacy Notice listed Affiliates 



affiliated business disclosure  - xx/xx/xxxx

 No affiliates on this loan - xx/xx/xxxx

affiliated business disclosure  - xx/xx/xxxx

 No affiliates on this loan - xx/xx/xxxx

affiliated business disclosure  - xx/xx/xxxx

 2026-06-25 17:10 Resolved 3 1 3 1
4000128894 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9081846 7 of 10 xx/xx/xxxx Compliance Missing Doc - Affiliated Business Disclosure/Missing Required Affiliated Business Disclosure missing Per privacy notice in file, Lender has affiliates.



AFFILIATE DISCLOSURE NOT REQUIRED ON THIS LOAN AS THERE ARE AFFILIATES ON THIS TRANSACTION - xx/xx/xxxx

 Required Affiliated Business Disclosure Resolved - xx/xx/xxxx

No affiliates were used on this transaction - xx/xx/xxxx

AFFILIATE DISCLOSURE NOT REQUIRED ON THIS LOAN AS THERE ARE AFFILIATES ON THIS TRANSACTION - xx/xx/xxxx

 Required Affiliated Business Disclosure Resolved - xx/xx/xxxx

No affiliates were used on this transaction - xx/xx/xxxx

AFFILIATE DISCLOSURE NOT REQUIRED ON THIS LOAN AS THERE ARE AFFILIATES ON THIS TRANSACTION - xx/xx/xxxx

 2026-06-15 14:21 Resolved 3 1 3 1
4000132468 xx/xx/xxxx xxxxx xxxxx HI Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9767631 1 of 3 xx/xx/xxxx Credit Purchase Contract - Addendum Missing The Purchase Contract Addendum is missing. Lender to provide a fully executed addendum to the purchase contract moving the closing date fromxx/xx/xxxxoxx/xx/xxxx



 Addendums - xx/xx/xxxx

 Addendums provided changing closing date toxx/xx/xxxx, then toxx/xx/xxxx were provided.  Condition resolved. - xx/xx/xxxx

Addendums - xx/xx/xxxx

 Addendums provided changing closing date toxx/xx/xxxx, then toxx/xx/xxxx were provided.  Condition resolved. - xx/xx/xxxx

Addendums - xx/xx/xxxx

 2026-06-23 17:16 Resolved 2 1 2 1
4000132212 xx/xx/xxxx xxxxx xxxxx IL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9589672 3 of 5 xx/xx/xxxx Credit Purchase Contract - Addendum Missing The Purchase Contract Addendum is missing. There is a seller credit of $xxxxxx on the final CD. Missing the sales contract addendum supporting the $xxxxxx seller credit.

Addendum xxxxxx Seller Credit - xx/xx/xxxx
 Contract Addendum showing Seller credit was provided.  Condition resolved. - xx/xx/xxxx
Addendum xxxxxx Seller Credit - xx/xx/xxxx
 Contract Addendum showing Seller credit was provided.  Condition resolved. - xx/xx/xxxx
Addendum xxxxxx Seller Credit - xx/xx/xxxx
 2026-06-11 14:40 Resolved 2 1 3 1
4000129478 xx/xx/xxxx xxxxx xxxxx VA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9757095 1 of 3 xx/xx/xxxx Credit Purchase Contract - Addendum Missing The Purchase Contract Addendum is missing. The loan file does not contain a fully executed Purchase Contract Addendum documenting the seller credit to the borrower in the amount of $xxxxxx. Provide the executed addendum reflecting the agreed-upon seller concession. Purchase contract is missing addendums 1 & 2. Contract states that the seller concessions are in the addendum to contract. File contains purchase agreement and addendums 3&4.


addendum - xx/xx/xxxx

 Contract addendum showing the Seller Credit of $xxxxxx was provided.  Condition resolved. - xx/xx/xxxx

addendum - xx/xx/xxxx

 Contract addendum showing the Seller Credit of $xxxxxx was provided.  Condition resolved. - xx/xx/xxxx

addendum - xx/xx/xxxx

 2026-06-22 18:14 Resolved 2 1 3 1
4000136388 xx/xx/xxxx xxxxx xxxxx NC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 10103806 2 of 4 xx/xx/xxxx Credit Third Party Fraud Report not Provided Missing third party fraud report.

Acceptable fraud for both guarantors provided.  - xx/xx/xxxx

 Fraud reports for both guarantors attached. - xx/xx/xxxx

 Third party fraud report is provided - xx/xx/xxxx

Acceptable fraud for both guarantors provided.  - xx/xx/xxxx

Condition upheld.  Background screening and Liens and Judgements reports do not meet guidelines.  xxxxxx  has a zero-tolerance policy as it related to fraud. A fraud prevention pull is required from Data Verify, Core Logic, SAS or a similar engine is required. - xx/xx/xxxx

Fraud reports for both guarantors attached. - xx/xx/xxxx

 Third party fraud report is provided - xx/xx/xxxx

Acceptable fraud for both guarantors provided.  - xx/xx/xxxx

Condition upheld.  Background screening and Liens and Judgements reports do not meet guidelines.  xxxxxx  has a zero-tolerance policy as it related to fraud. A fraud prevention pull is required from Data Verify, Core Logic, SAS or a similar engine is required. - xx/xx/xxxx

Fraud reports for both guarantors attached. - xx/xx/xxxx

 2026-07-16 12:14 Resolved 3 1 3 1
4000135318 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9916685 1 of 3 xx/xx/xxxx Property Subject property appraisal is not on an as-is basis (Primary Value) Primary value subject property appraisal is not on an as-is basis. A Third party repaid inspection report (1004D) could not be found in the loan documents.



A CDA was uploaded with this loan. Please see attached.  - xx/xx/xxxx

 Appraisal is "Subject To" for Smoke Detectors being installed.  The loan file contains a signed SMOKE ALARM AFFIDAVIT, and signed and notarized AFFIDAVIT OF COMPLIANCE WITH SMOKE DETECTOR REQUIREMENT FOR ONE- AND TWO-FAMILY DWELLINGS. Condition resolved. - xx/xx/xxxx

Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - xx/xx/xxxx

A CDA was uploaded with this loan. Please see attached.  - xx/xx/xxxx

 Appraisal is "Subject To" for Smoke Detectors being installed.  The loan file contains a signed SMOKE ALARM AFFIDAVIT, and signed and notarized AFFIDAVIT OF COMPLIANCE WITH SMOKE DETECTOR REQUIREMENT FOR ONE- AND TWO-FAMILY DWELLINGS. Condition resolved. - xx/xx/xxxx

Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - xx/xx/xxxx

A CDA was uploaded with this loan. Please see attached.  - xx/xx/xxxx

 2026-06-29 17:51 Resolved 3 1 3 1
4000127508 xx/xx/xxxx xxxxx xxxxx OH Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9580827 1 of 3 xx/xx/xxxx Credit Executed Exchange Agreement/Forward Sales Agreement Missing The loan file does not contain the executed Exchange Agreement/Forward Sale Agreement as required. Lender to provide the fully executed 1031 exchange agreement supporting proceeds of $xxxxxx

 1031 - xx/xx/xxxx

 contract - xx/xx/xxxx

 1031 agreement provided - xx/xx/xxxx

1031 - xx/xx/xxxx

Condition upheld.  Purchased contract provided was in the original loan file.  The file is missing the fully completed and executed 1031 Exchange Agreement. - xx/xx/xxxx

contract - xx/xx/xxxx

 1032 agreement provided - xx/xx/xxxx

1031 - xx/xx/xxxx

Condition upheld.  Purchased contract provided was in the original loan file.  The file is missing the fully completed and executed 1031 Exchange Agreement. - xx/xx/xxxx

contract - xx/xx/xxxx

 2026-06-17 17:32 Resolved 4 1 4 1
4000130002 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9457038 1 of 6 xx/xx/xxxx Credit Approval/Underwriting Summary Not Provided The loan did not contain the Approval/Underwriting Summary. The loan file is missing the approval/1008. 



1008 - xx/xx/xxxx

 1008 provided. Condition resolved.   - xx/xx/xxxx

Approval/Underwriting Summary is fully present - xx/xx/xxxx

1008 - xx/xx/xxxx

 1009 provided. Condition resolved.   - xx/xx/xxxx

Approval/Underwriting Summary is fully present - xx/xx/xxxx

1008 - xx/xx/xxxx

 2026-06-02 17:17 Resolved 3 1 3 1
4000123408 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9394524 1 of 7 xx/xx/xxxx Credit Approval/Underwriting Summary Not Provided The loan did not contain the Approval/Underwriting Summary. Please provide the 1008



1008 - xx/xx/xxxx

 Approval/Underwriting Summary is fully present - xx/xx/xxxx

1008 - xx/xx/xxxx

 Approval/Underwriting Summary is fully present - xx/xx/xxxx

1008 - xx/xx/xxxx

 2026-06-03 15:19 Resolved 3 1 3 1
4000129210 xx/xx/xxxx xxxxx xxxxx IL Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9400055 2 of 4 xx/xx/xxxx Credit Approval/Underwriting Summary Not Provided The loan did not contain the Approval/Underwriting Summary. Lender to provide the fully executed 1008 for the borrower 



1008 - xx/xx/xxxx

 1008 provided.  Condition resolved. - xx/xx/xxxx

Approval/Underwriting Summary is fully present - xx/xx/xxxx

1008 - xx/xx/xxxx

 1009 provided.  Condition resolved. - xx/xx/xxxx

Approval/Underwriting Summary is fully present - xx/xx/xxxx

1008 - xx/xx/xxxx

 2026-06-02 14:55 Resolved 1 1 3 1
4000129359 xx/xx/xxxx xxxxx xxxxx OH Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9560027 1 of 3 xx/xx/xxxx Credit Approval/Underwriting Summary Not Provided The loan did not contain the Approval/Underwriting Summary.

1008 - xx/xx/xxxx

 1008 was provided.  Condition resolved. - xx/xx/xxxx

Approval/Underwriting Summary is fully present - xx/xx/xxxx

1008 - xx/xx/xxxx

 1009 was provided.  Condition resolved. - xx/xx/xxxx

Approval/Underwriting Summary is fully present - xx/xx/xxxx

1008 - xx/xx/xxxx

 2026-08-14 14:36 Resolved 3 1 3 1
4000131503 xx/xx/xxxx xxxxx xxxxx PA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9581943 4 of 6 xx/xx/xxxx Credit Approval/Underwriting Summary Not Provided The loan did not contain the Approval/Underwriting Summary. Please provide the final 1008



1008 - xx/xx/xxxx

 1008 provided.  Condition resolved. - xx/xx/xxxx

Approval/Underwriting Summary is fully present - xx/xx/xxxx

1008 - xx/xx/xxxx

 1009 provided.  Condition resolved. - xx/xx/xxxx

Approval/Underwriting Summary is fully present - xx/xx/xxxx

1008 - xx/xx/xxxx

 2026-06-12 19:28 Resolved 3 1 4 1
4000133536 xx/xx/xxxx xxxxx xxxxx AZ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9824248 2 of 4 xx/xx/xxxx Credit Approval/Underwriting Summary Not Provided The loan did not contain the Approval/Underwriting Summary. Please provide the 1008



1008 - xx/xx/xxxx

 1008 provided.  Condition resolved. - xx/xx/xxxx

Approval/Underwriting Summary is fully present - xx/xx/xxxx

1008 - xx/xx/xxxx

 1009 provided.  Condition resolved. - xx/xx/xxxx

Approval/Underwriting Summary is fully present - xx/xx/xxxx

1008 - xx/xx/xxxx

 2026-06-24 16:22 Resolved 3 1 3 1
4000135281 xx/xx/xxxx xxxxx xxxxx TX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9966591 2 of 3 xx/xx/xxxx Credit Income - Rental Property Rental income is not properly documented and/or supported. The file does not contain a 1007 due to missing the appraisal or lease agreement 



1007 is in the file, page 36 - xx/xx/xxxx

 Complete Appraisal with 1007 was provided.  Condition resolved. - xx/xx/xxxx

1007 is in the file, page 36 - xx/xx/xxxx

 Complete Appraisal with 1007 was provided.  Condition resolved. - xx/xx/xxxx

1007 is in the file, page 36 - xx/xx/xxxx

 2026-06-29 18:57 Resolved 3 1 3 1
4000127597 xx/xx/xxxx xxxxx xxxxx WA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9407534 2 of 3 xx/xx/xxxx Property Missing Doc - Updated Completion Report (442/1004D) Missing The loan file did not contain the updated completion report (442/1004D) as required. The appraisal was completed subject to with the following comment on the appraisal addendum: "The subject’s tile bathroom surround was damaged (see picture), which appeared to have been caused by rot. This appraisal is made subject to the repair of this area due to the possibility of current or future structural damage that may occur or has occurred." The 1004D provided does not reflect the repairs of this area. 



1004D was in the file  - xx/xx/xxxx

 Completion Cert provided and in file show that the bathroom repair has been completed.  Condition resolved. - xx/xx/xxxx

1004D was in the file  - xx/xx/xxxx

 Completion Cert provided and in file show that the bathroom repair has been completed.  Condition resolved. - xx/xx/xxxx

1004D was in the file  - xx/xx/xxxx

 2026-06-01 13:28 Resolved 3 1 3 1
4000128447 xx/xx/xxxx xxxxx xxxxx MI Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9463323 4 of 4 xx/xx/xxxx Property Missing Doc - 3rd Party Valuation Product/Missing The loan file did not contain the required 3rd party valuation product. The desk review provided is datedxx/xx/xxxx and the note date isxx/xx/xxxx. Please provide the updated third-party desk review.



1004D provided - xx/xx/xxxx

 AVM - xx/xx/xxxx

 1004D provided - xx/xx/xxxx

AVM - xx/xx/xxxx

 1004D provided - xx/xx/xxxx

AVM - xx/xx/xxxx

 2026-06-01 19:04 Resolved 3 1 3 1
4000128738 xx/xx/xxxx xxxxx xxxxx TX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9327656 3 of 4 xx/xx/xxxx Credit Liabilities - Payoff Missing The required debt payoffs were missing from the loan file.  Missing the partial release payoff fromxxxxxx supporting the $xxxxxx paid off on the subject

1. The entire original blanket loan was paid off. See attached Portfolio loan agreement outlining each properties partial release along with the overall payoff statement for the portfolio.  - xx/xx/xxxx

 Blanket loan. The entire original blanket loan was paid off.  Condition resolved. - xx/xx/xxxx

1. The entire original blanket loan was paid off. See attached Portfolio loan agreement outlining each properties partial release along with the overall payoff statement for the portfolio.  - xx/xx/xxxx

 Blanket loan. The entire original blanket loan was paid off.  Condition resolved. - xx/xx/xxxx

1. The entire original blanket loan was paid off. See attached Portfolio loan agreement outlining each properties partial release along with the overall payoff statement for the portfolio.  - xx/xx/xxxx

 2026-06-07 19:10 Resolved 3 1 3 1
4000125416 xx/xx/xxxx xxxxx xxxxx AZ Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9177246 4 of 4 xx/xx/xxxx Credit Audited LTV Exceeds Guideline LTV Audited LTV exceeds guideline LTV. The loan was approved with an LTV of 75% based on the appraised value of $xxxxxx , but per guidelines, the lesser of the purchase price or appraised value of the Subject property is used to calculate the LTV. The sales price is lower at $xxxxxx than the appraised value of $xxxxxx.

**The sales price is $3,xxxxxx x 75%=$xxxxxx -THE INFORMATION IS CORRECT on the 1008 as well as in the system.
This loan amount was not based on the appraised value and WAS based on sales price.  Also the appraised value was $xxxxxx  @75% that would have been $xxxxxx)
 - xx/xx/xxxx
 Condition set in error.  LTV/CLTV is 75%.  Condition resolved. - xx/xx/xxxx
Audited LTV of 75% is less than or equal to Guideline LTV of 75% - xx/xx/xxxx
**The sales price is $3,xxxxxx x 75%=$xxxxxx -THE INFORMATION IS CORRECT on the 1008 as well as in the system.
This loan amount was not based on the appraised value and WAS based on sales price.  Also the appraised value was $xxxxxx  @75% that would have been $xxxxxx)
 - xx/xx/xxxx
 Condition set in error.  LTV/CLTV is 75%.  Condition resolved. - xx/xx/xxxx
Audited LTV of 75% is less than or equal to Guideline LTV of 75% - xx/xx/xxxx
**The sales price is $3,xxxxxx x 75%=$xxxxxx -THE INFORMATION IS CORRECT on the 1008 as well as in the system.
This loan amount was not based on the appraised value and WAS based on sales price.  Also the appraised value was $xxxxxx  @75% that would have been $xxxxxx)
 - xx/xx/xxxx
 2026-06-09 18:38 Resolved 3 1 3 1
4000132472 xx/xx/xxxx xxxxx xxxxx TX Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9763893 1 of 4 xx/xx/xxxx Credit Property Title Issue Property title issue. Item #8 on the Title Commitment describes a vendor lien against the subject property in the amount of $xxxxxx, but the Seller's Closing Disclosure did not reflect a payoff of same and the loan file did not include documentation reflecting satisfaction of the debt.



This was paid in full the release of lien (attached) has been sent to be recorded with the county. - xx/xx/xxxx

 Release of lien sent for recording was provided.  Condition resolved. - xx/xx/xxxx

Property Title Issue Resolved - xx/xx/xxxx



This was paid in full the release of lien (attached) has been sent to be recorded with the county. - xx/xx/xxxx

 Release of lien sent for recording was provided.  Condition resolved. - xx/xx/xxxx

Property Title Issue Resolved - xx/xx/xxxx



This was paid in full the release of lien (attached) has been sent to be recorded with the county. - xx/xx/xxxx

 2026-06-18 17:28 Resolved 3 1 3 1
4000127599 xx/xx/xxxx xxxxx xxxxx SC Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9516003 3 of 5 xx/xx/xxxx Credit Corporation/LLC: Certificate of Good Standing Doc is Missing The loan file does not contain the Corporation/LLC: Certificate of Good Standing. Per guidelines, the Certificate of Good Standing must be dated within 30 days of closing. The document in file is datedxx/xx/xxxx, but the Note date isxx/xx/xxxx, which is 38 days and outside of guidelines.




As for the Certificate of good standing, I also pulled print out from the xxxxxx department of state and xxxxxx is in good standing as of today.
 - xx/xx/xxxx
 Certificate of Good Standing was provided.  Condition resolved. - xx/xx/xxxx
Condition on hold pending Borrower identification. - xx/xx/xxxx

As for the Certificate of good standing, I also pulled print out from the xxxxxx department of state and xxxxxx is in good standing as of today.
 - xx/xx/xxxx
 Certificate of Good Standing was provided.  Condition resolved. - xx/xx/xxxx
Condition on hold pending Borrower identification. - xx/xx/xxxx

As for the Certificate of good standing, I also pulled print out from the xxxxxx department of state and xxxxxx is in good standing as of today.
 - xx/xx/xxxx
 2026-06-22 14:39 Resolved 3 1 3 1
4000110318 xxxxx xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 7477741 1 of 3 xx/xx/xxxx Credit Audited DTI Exceeds Guideline DTI DTI exceeds guidelines as all liabilities were not included in final Approval. The PITI payment for Co-Borrower Primary Residence was not included in final ratios and did not provide evidence for omission.  Document Uploaded.  Audited DTI exceeds guideline DTI.







Seller provided evidence of bonus income - xx/xx/xxxx
Audited DTI of xxxxxx% is less than or equal to Guideline DTI of xxxxxx% - xx/xx/xxxx
 Seller provided evidence of bonus income - xx/xx/xxxx
Audited DTI of xxxxxx% is less than or equal to Guideline DTI of xxxxxx% - xx/xx/xxxx
 2026-02-17 20:21 Resolved 3 1 3 1
4000114305 xxxxx xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 7682520 1 of 4 xx/xx/xxxx Credit Hazard Insurance Effective Date is after the Disbursement Date Hazard insurance effective date is after the disbursement date. Loan file contained HOI however, the effective date wasxx/xx/xxxx and Loan disbursedxx/xx/xxxx





2026-02-20 01:10 Resolved 1 1 2 2
4000124512 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8666113 1 of 3 xx/xx/xxxx Compliance Final CD: Prepayment Penalty is missing or inaccurate Lender to provide updated Final CD with corrected Maximum Prepayment Penalty Amount consistent with the Prepayment Penalty Rider.  The PPP on the final CD was calculated based on the Original Principal Balance, but the Prepayment Penalty Rider indicates 20% of the amount that exceeds the OPB.
 

The max prepayment per the note, and the prepayment on the HUD-1 match, condition is invalid.  - xx/xx/xxxx

 The max prepayment per the note, and the prepayment on the HUD-1 match, condition is invalid.  - xx/xx/xxxx

 2026-04-15 19:29 Resolved 3 1 3 1
4000122567 xx/xx/xxxx xxxxx xxxxx OH Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9109160 5 of 5 xx/xx/xxxx Compliance Missing evidence of rate lock Missing evidence of Rate Lock.



Evidence of Rate Lock Provided - xx/xx/xxxx

 Evidence of Rate Lock Provided - xx/xx/xxxx

 2026-05-08 16:30 Resolved 3 1 4 1
4000125106 xx/xx/xxxx xxxxx xxxxx NJ Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9083083 3 of 4 xx/xx/xxxx Credit Business Purpose - Loan Guaranty/Missing The xxxxxxonal Loan Guaranty is missing. The loan file is missing the Borrower's Guarantor agreement. 





The xxxxxxonal Loan Guaranty is not missing. - xx/xx/xxxx

 The xxxxxxonal Loan Guaranty is not missing. - xx/xx/xxxx

 2026-05-18 22:09 Resolved 4 1 4 1
4000128894 xx/xx/xxxx xxxxx xxxxx CA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 10005384 1 of 10 xx/xx/xxxx Compliance The Final 1003 is Incomplete The final 1003 is incomplete. Initial and Final 1003 reflect in Section 5, Declarations, borrowers will occupy as primary residence. this is Investment property refinance. 



The final 1003 is present - xx/xx/xxxx

 The final 1003 is present - xx/xx/xxxx

 2026-06-30 17:35 Resolved 3 1 3 1
4000120227 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9396467 7 of 11 xx/xx/xxxx Compliance HighCost: Fees The loan fees ($xxxxxx) exceed the (CA) High Cost fee limit, which is ($xxxxxx), the difference is ($xxxxxx). Compliance report in the file confirms loan fails CA state High Cost testing. The loan fees ($xxxxxx) exceed the (CA) High Cost fee limit, which is ($xxxxxx), the difference is ($xxxxxx).




Loan is not a CA HC loan.  Compliance testing failed to exclude $xxxxxx in bona fide discount points - xx/xx/xxxx
 Loan is not a CA HC loan.  Compliance testing failed to exclude $xxxxxx in bona fide discount points - xx/xx/xxxx
 2026-06-09 17:05 Resolved 1 1 4 1
4000120227 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9396468 8 of 11 xx/xx/xxxx Compliance Federal - Maximum Late Fee (01/14) You submitted a late fee amount of ($xxxxxx and a (5.0%) Late Fee Percent. In connection with a Federal High-Cost Mortgage any late payment charge must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4% of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. (12 CFR 1026.34(a)(8)(i)) The maximum allowable late fee for a Federal High Cost mortgage is 4.00%. 



Confirmed loan is not a Federal High Cost loan - xx/xx/xxxx

. - xx/xx/xxxx

 - xx/xx/xxxx

 Confirmed loan is not a Federal High Cost loan - xx/xx/xxxx

. - xx/xx/xxxx

 - xx/xx/xxxx

 2026-06-08 17:10 Resolved 3 1 4 1
4000120227 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9396471 9 of 11 xx/xx/xxxx Compliance Federal - Section 32 Disclosure Required (High Cost) This is a Federal High Cost Loan. Since the loan file does not contain a Section 32 Sign Date, the System assumes the creditor did not furnish the Federal High Cost Section 32 disclosures at least 3 business days prior to consummation, in violation of Reg Z. (12 CFR 1026.31(c) and 1026.32(c)) The following disclosures required for a Federal Hight Cost Loan in the State of California are missing from the file: 1. The Mandatory California "Covered Loan" Notice, 2. Federal Section 32 (HOEPA) Disclosures, 3. California Department of Real Estate (DRE) Forms, 4. Verification of Counseling Disclosure. 





Confirmed loan is not a Federal High Cost loan - xx/xx/xxxx

. - xx/xx/xxxx

 - xx/xx/xxxx

 Confirmed loan is not a Federal High Cost loan - xx/xx/xxxx

. - xx/xx/xxxx

 - xx/xx/xxxx

 2026-06-08 17:11 Resolved 3 1 4 1
4000120227 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9396472 10 of 11 xx/xx/xxxx Compliance HighCost: APR/FEES The loan fees ($xxxxxx) exceed the (FED2014) (Note Amount >=$xxxxxx) fee limit, which is 5% of the Total Loan Amount ($xxxxxx), the difference is ($xxxxxx). (12 CFR 1026.32). This is a Qualified Mortgage



Confirmed loan is not a Federal High Cost loan - xx/xx/xxxx

 - xx/xx/xxxx

 Confirmed loan is not a Federal High Cost loan - xx/xx/xxxx

 - xx/xx/xxxx

 2026-06-08 17:12 Resolved 3 1 4 1
4000120227 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9402736 11 of 11 xx/xx/xxxx Credit Guideline - Federal and/or State High Cost Ineligible per guidelines Loan is a Federal or State High Cost Loan. Loan fees have triggered a High Cost flag; please address.  Compliance report in the file confirms loan fails CA state High Cost testing. 







Loan is not a CA HC loan.  Compliance testing failed to exclude xxxxxx in bona fide discount points - xx/xx/xxxx
 Loan is not a CA HC loan.  Compliance testing failed to exclude xxxxxx in bona fide discount points - xx/xx/xxxx

 2026-06-09 17:05 Resolved 3 1 4 1
4000128915 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9223022 5 of 6 xx/xx/xxxx Credit Cash reserves less than required by guidelines Total Cash reserves of '$-xxxxxx' are less than $0.


Total Cash reserves are greater than $0. - xx/xx/xxxx

 Total Cash reserves are greater than $0. - xx/xx/xxxx

 2026-06-30 13:47 Resolved 3 1 3 2
4000128449 xx/xx/xxxx xxxxx xxxxx TX Second Home Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9578301 2 of 5 xx/xx/xxxx Compliance Insufficient Change of Circumstance (50001252) The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee, Collateral Desktop Analysis (CDA). Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). duplicate fidings





Received CIC for the increased fees - xx/xx/xxxx

Resolved - xx/xx/xxxx

 Received CIC for the increased fees - xx/xx/xxxx

Resolved - xx/xx/xxxx

 2026-06-18 14:46 Resolved 1 1 3 1
4000131115 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9627936 7 of 8 xx/xx/xxxx Credit Borrower 1 Business Tax Returns Less Than 24 Months Provided Borrower 1 business tax returns less than 24 months provided in the file.



File was approved as 1 year income - xx/xx/xxxx

Borrower 1 business tax returns less than 24 months provided in the file. File was approved as 1 year income - xx/xx/xxxx

 File was approved as 1 year income - xx/xx/xxxx

Borrower 1 business tax returns less than 24 months provided in the file. File was approved as 1 year income - xx/xx/xxxx

 2026-06-09 19:55 Resolved 1 1 4 1
4000131115 xx/xx/xxxx xxxxx xxxxx CA Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9627937 8 of 8 xx/xx/xxxx Credit Borrower 1 Business Tax Returns Less Than 24 Months Provided Borrower 1 xxxxxxonal tax returns less than 24 months provided.



File was approved as 1 year income - xx/xx/xxxx

Borrower 1 xxxxxxonal tax returns less than 24 months provided. File was approved as 1 year income - xx/xx/xxxx

 File was approved as 1 year income - xx/xx/xxxx

Borrower 1 xxxxxxonal tax returns less than 24 months provided. File was approved as 1 year income - xx/xx/xxxx

 2026-06-09 19:54 Resolved 1 1 4 1
4000132714 xx/xx/xxxx xxxxx xxxxx NC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9770382 2 of 4 xx/xx/xxxx Credit Liabilities - REO The loan file did not contain sufficient documentation to verify debts associated with all other properties. Please provide the mortgage statement for the mortgages reflected on the credit report. Per guidelines, Twelve (12) months housing history is required for all occupancy types.





Condition resolved based on the documentation provided in the file  - xx/xx/xxxx

 Condition resolved based on the documentation provided in the file  - xx/xx/xxxx

 2026-06-17 12:55 Resolved 3 1 3 1
4000134937 xx/xx/xxxx xxxxx xxxxx NC Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9898481 3 of 4 xx/xx/xxxx Credit Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Subject property: xxxxxx VOM was dated by the manager onxx/xx/xxxx which is not within 12 months of subject Note datexx/xx/xxxx. 



Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - xx/xx/xxxx

 Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - xx/xx/xxxx

 2026-06-25 14:55 Resolved 3 1 3 1
4000138081 xx/xx/xxxx xxxxx xxxxx IN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10271125 3 of 3 xx/xx/xxxx Property Third party valuation product to support appraisal value is missing The CU score is unacceptable or not provided. Lender to provide third party valuation product missing from the loan file.





The CU/LCA score is provided. - xx/xx/xxxx

 The CU/LCA score is provided. - xx/xx/xxxx

 2026-07-16 20:56 Resolved 1 1 3 1
4000103264 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx GA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 6494662 2 of 5 xx/xx/xxxx Credit Audited HCLTV Exceeds Guideline HCLTV Audited HLTV exceeds guideline HCLTV. Due to the lender not including the HOA fee of $xxxxxxmonthly, the DSCR is less than 1, and with a credit score over 740 the maximum HCLTV is 75%. 



Audited HLTV of 78.77% is less than or equal to Guideline HCLTV of 80% - xx/xx/xxxx

 Audited HLTV of 78.77% is less than or equal to Guideline HCLTV of 80% - xx/xx/xxxx

 2025-12-17 22:04 Resolved 3 1 3 1
4000103264 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx GA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 6494663 3 of 5 xx/xx/xxxx Credit Audited LTV Exceeds Guideline LTV Audited LTV exceeds guideline LTV. Due to the lender not including the HOA fee of $xxxxxxmonthly, the DSCR is less than 1, and with a credit score over 740 the maximum LTV is 75%. 





Audited LTV of 78.77% is less than or equal to Guideline LTV of 80% - xx/xx/xxxx

 Audited LTV of 78.77% is less than or equal to Guideline LTV of 80% - xx/xx/xxxx

 2025-12-17 22:04 Resolved 3 1 3 1
4000125893 xx/xx/xxxx xxxxx xxxxx GA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9205035 4 of 5 xx/xx/xxxx Compliance Charges That Cannot Increase Test (50001251) The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Settlement or Closing Fee, Title Insurance Binder, Title buyer post closing, Title e Recording. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The following fees were introduced on the Closing Disclosure dated xx/xx/xxxx without a sufficient change of circumstance: Title Insurance Binder: $xxxxxx, Title Buyer Post-Closing: $xxxxxx, Title E-Recording: $xxxxxx. The Settlement/Closing Fee was increased from $xxxxxx on the final Loan Estimate dated xx/xx/xxxx to $xxxxxx, also without a valid change of circumstance as neither the loan amount nor the loan program changed at all.    

- the title company selected is not on the SSP. Fees are correctly listed in Section C on the Final CD & are not subject to tolerance.  - xx/xx/xxxx

 cic - xx/xx/xxxx

 Confirmed no affiliates used - xx/xx/xxxx

Resolved - xx/xx/xxxx

- the title company selected is not on the SSP. Fees are correctly listed in Section C on the Final CD & are not subject to tolerance.  - xx/xx/xxxx

Please provide affiliated business arangement to confirm no fees were paid to an affiliate.  - xx/xx/xxxx

cic - xx/xx/xxxx

 Confirmed no affiliates used - xx/xx/xxxx

Resolved - xx/xx/xxxx

- the title company selected is not on the SSP. Fees are correctly listed in Section C on the Final CD & are not subject to tolerance.  - xx/xx/xxxx

Please provide affiliated business arangement to confirm no fees were paid to an affiliate.  - xx/xx/xxxx

cic - xx/xx/xxxx

 2026-06-11 14:51 Resolved 3 1 3 1
4000124674 xx/xx/xxxx xxxxx xxxxx SD Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9029885 1 of 4 xx/xx/xxxx Credit Business Purpose - Loan Guaranty/Missing The xxxxxxonal Loan Guaranty is missing. The loan file is missing the xxxxxxonal Loan Guaranty. 



 Is there any way to get an exception on this one since we have the note with him guaranteeing xxxxxxonally? - xx/xx/xxxx

 The xxxxxxonal Loan Guaranty is not missing. - xx/xx/xxxx

Condition set in error.  Borrower signed the Note as an Individual and as a Member of the LLC. - xx/xx/xxxx

The xxxxxxonal Loan Guaranty is not missing. - xx/xx/xxxx

 Is there any way to get an exception on this one since we have the note with him guaranteeing xxxxxxonally? - xx/xx/xxxx

 The xxxxxxonal Loan Guaranty is not missing. - xx/xx/xxxx

Condition set in error.  Borrower signed the Note as an Individual and as a Member of the LLC. - xx/xx/xxxx

The xxxxxxonal Loan Guaranty is not missing. - xx/xx/xxxx

 Is there any way to get an exception on this one since we have the note with him guaranteeing xxxxxxonally? - xx/xx/xxxx

 2026-06-22 17:50 Resolved 4 1 4 1
4000117724 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8319730 2 of 5 xx/xx/xxxx Credit Condo - HOA Budget Missing The loan file did not contain the HOA budget as required.

This file was approved for the investor exception with FNMA xxxxxx approval. Please clear condition. Thank you - xx/xx/xxxx

 Exception was included: exception approved-loan is subject to final approval and no additional exceptions are allowed - xx/xx/xxxx

This file was approved for the investor exception with FNMA xxxxxx approval. Please clear condition. Thank you - xx/xx/xxxx

 Exception was included: exception approved-loan is subject to final approval and no additional exceptions are allowed - xx/xx/xxxx

This file was approved for the investor exception with FNMA xxxxxx approval. Please clear condition. Thank you - xx/xx/xxxx

 2026-04-03 15:02 Waived 3 2 4 2
4000129289 xx/xx/xxxx xxxxx xxxxx TN Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9817841 1 of 4 xx/xx/xxxx Property Property Issue - Property Flip The loan file verified that the subject property was a flip/rapid resale which is not allowed per guidelines. The subject is a Flip property, last sold xxxxxx. Home was listed with realtor and on MLS.

 

 The Exception is approved for flip transaction w/n 180 days with -.125 LPA and with noted comp factors = EP purchase primary residence transaction with 20% down payment, xxxxxx FICO, 16 months reserves and Residual income $xxxxxx above the program minimum required.  No other exceptions allowed and subject to final review.   **A 2nd full appraisal is required due to flip transaction w/n 180 days and >20% increase.  Borrower cannot pay for the 2nd appraisal**
 - xx/xx/xxxx
 

 2026-06-18 17:08 Waived 2 2 3 2
4000131083 xx/xx/xxxx xxxxx xxxxx NJ Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9544871 4 of 6 xx/xx/xxxx Credit Credit Profile - Insufficient Tradelines The documented tradelines do not meet the minimum tradelines required per guidelines. Per lender guidelines,xx/xx/xxxxTrade lime, Borrower’s credit profile must include a minimum of two (2) trade lines within the last twenty-four (24) months that show a twelve (12) month history. Current housing not reporting on credit can be considered an open trade if supported by bank records (cancelled checks / debits). The credit report in the loan file reflects only 1 tradeline which has been open for 17 months. In addition, the loan file contains a rent-free letter and no other housing information. 



See attached approved exception - xx/xx/xxxx

 Approved Exception provided for Not meeting the minimum Tradeline requirement. - xx/xx/xxxx

See attached approved exception - xx/xx/xxxx

 Approved Exception provided for Not meeting the minimum Tradeline requirement. - xx/xx/xxxx

See attached approved exception - xx/xx/xxxx

 2026-06-12 02:39 Waived 3 2 3 2
4000131638 xx/xx/xxxx xxxxx xxxxx NC Primary Residence Refinance Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9541105 1 of 4 xx/xx/xxxx Credit Income 1 Income Trend is Decreasing Income 1 income trend is decreasing. The loan does not meet guidelines due to the declining income trend, the subject property's water supply is from a private spring, and the subject property is a round home.  An approved exception was provided in the loan file.



Residual of xxxxxxk, Low LTV, Good credit scores. - xx/xx/xxxx
 

 2026-06-04 14:55 Waived 2 2 2 2
4000134383 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9752241 4 of 8 xx/xx/xxxx Credit Program Parameters - Loan Amount Eligibility The subject loan does not meet program parameters for loan amount eligibility. Per xxxxxx DSCR guidelines, the maximum cash out for LTC/CLTV greater than 60% is $xxxxxx. The current LTV is 70$ and the cash out amount per final HUD is $xxxxxx

Please see attached loan exception approval.  - xx/xx/xxxx

 Approved Exception in file for 70% LTV/CLTV.
 - xx/xx/xxxx

Approved Exception in file for 70% LTV/CLTV.   - xx/xx/xxxx

Please see attached loan exception approval.  - xx/xx/xxxx

 Approved Exception in file for 70% LTV/CLTV.
 - xx/xx/xxxx

Approved Exception in file for 70% LTV/CLTV.   - xx/xx/xxxx

Please see attached loan exception approval.  - xx/xx/xxxx

 2026-06-25 16:50 Waived 3 2 3 2
4000134383 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9752381 5 of 8 xx/xx/xxxx Credit Audited CLTV Exceeds Guideline CLTV Per xxxxxx Guidelines, maximum LTV for unlimited cash out is 60%.  If LTV is above 60% the max cash out amount is $500k. Audited CLTV exceeds guideline CLTV.



Please see attached loan exception approval.  - xx/xx/xxxx

 Approved Exception in file for 70% LTV/CLTV.
 - xx/xx/xxxx

Approved Exception in file for 70% LTV/CLTV. 
 - xx/xx/xxxx

Please see attached loan exception approval.  - xx/xx/xxxx

 Approved Exception in file for 70% LTV/CLTV.
 - xx/xx/xxxx

Approved Exception in file for 70% LTV/CLTV. 
 - xx/xx/xxxx

Please see attached loan exception approval.  - xx/xx/xxxx

 2026-06-25 16:48 Waived 3 2 3 2
4000134383 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9752382 6 of 8 xx/xx/xxxx Credit Audited HCLTV Exceeds Guideline HCLTV Per xxxxxx Guidelines, maximum LTV for unlimited cash out is 60%.  If LTV is above 60% the max cash out amount is $500k. Audited HLTV exceeds guideline HCLTV.



Please see attached loan exception approval.  - xx/xx/xxxx

 Approved Exception in file for 70% LTV/CLTV.
 - xx/xx/xxxx

Approved Exception in file for 70% LTV/CLTV.   - xx/xx/xxxx

Please see attached loan exception approval.  - xx/xx/xxxx

 Approved Exception in file for 70% LTV/CLTV.
 - xx/xx/xxxx

Approved Exception in file for 70% LTV/CLTV.   - xx/xx/xxxx

Please see attached loan exception approval.  - xx/xx/xxxx

 2026-06-25 16:49 Waived 3 2 3 2
4000134383 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9752383 7 of 8 xx/xx/xxxx Credit Audited LTV Exceeds Guideline LTV Per xxxxxx Guidelines, maximum LTV for unlimited cash out is 60%.  If LTV is above 60% the max cash out amount is $500k. Audited LTV exceeds guideline LTV.



Please see attached loan exception approval.  - xx/xx/xxxx

 Approved Exception in file for 70% LTV/CLTV.
 - xx/xx/xxxx

Approved Exception in file for 70% LTV/CLTV.   - xx/xx/xxxx

Please see attached loan exception approval.  - xx/xx/xxxx

 Approved Exception in file for 70% LTV/CLTV.
 - xx/xx/xxxx

Approved Exception in file for 70% LTV/CLTV.   - xx/xx/xxxx

Please see attached loan exception approval.  - xx/xx/xxxx

 2026-06-25 16:51 Waived 3 2 3 2
4000134373 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9756697 6 of 7 xx/xx/xxxx Credit Cash Out Does Not Meet Guideline Requirements Cash out does not meet guideline requirements. The loan was locked with an LTV of 36.77% and reflects cash out of $xxxxxx. The audited LTV is 70% with cash to borrower of $xxxxxx. Per guidelines, when the LTV is greater than 60%, the maximum cash to borrower is $xxxxxx.

Please see attached exception granted - xx/xx/xxxx

 Approved Exception provided for: Cash-out refinance at 70% LTV. - xx/xx/xxxx

Please see attached exception granted - xx/xx/xxxx

 Approved Exception provided for: Cash-out refinance at 70% LTV. - xx/xx/xxxx

Please see attached exception granted - xx/xx/xxxx

 2026-06-17 19:15 Waived 3 2 4 2
4000129828 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9669322 5 of 5 xx/xx/xxxx Credit Asset Qualification Does Not Meet Guideline Requirements Asset Qualification does not meet guideline requirements. Business funds were used in the approval. Per guidelines, A letter from only a CPA (other designations are not allowed) stating that the use of funds in the transaction will not have a material adverse impact on business operations is required. The letter is in file, but not from a CPA. A formal exception is located in the loan file, but the credit score of xxxxxx was used as a compensating factor. A credit report in the file reflects a score of 727.  

Investor re-approval for FICO of xxxxxx is in file and attached here along with correspondence with investor notifying them of the FICO drop and subsequent re-approval at the lower FICO. - xx/xx/xxxx
 Approved Exception provided for use of an EA Letter to confirm no material impact with use of business funds. - xx/xx/xxxx
Investor re-approval for FICO of xxxxxx is in file and attached here along with correspondence with investor notifying them of the FICO drop and subsequent re-approval at the lower FICO. - xx/xx/xxxx
 Approved Exception provided for use of an EA Letter to confirm no material impact with use of business funds. - xx/xx/xxxx
Investor re-approval for FICO of xxxxxx is in file and attached here along with correspondence with investor notifying them of the FICO drop and subsequent re-approval at the lower FICO. - xx/xx/xxxx
 2026-06-12 18:06 Waived 3 1 3 1
4000101749 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx HI Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 6837595 2 of 3 xx/xx/xxxx Credit Condo - Documentation The loan file did not contain required condo documentation (ie. Master HOI, Condo Questionnaire, Condo Budget, Project Review). Condo approval was not found in the loan documents.



HOA Documents - xx/xx/xxxx

 xxxxxx is requesting an Investor Exception to allow a Non-warrantable Condo on a New Condo Project that is 100% complete as ofxxxxxxbut the HOA is still in control until 03-01-2026 - xx/xx/xxxx

HOA Documents - xx/xx/xxxx

 xxxxxx is requesting an Investor Exception to allow a Non-warrantable Condo on a New Condo Project that is 100% complete as ofxxxxxxbut the HOA is still in control until 03-01-2026 - xx/xx/xxxx

HOA Documents - xx/xx/xxxx

 2025-12-31 21:15 Waived 3 2 3 2
4000123383 xx/xx/xxxx xxxxx xxxxx FL Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 8926270 3 of 6 xx/xx/xxxx Credit Income - Guideline Requirements The income documents provided in the loan file did not meet guidelines. The loan was approved using asset utilization and rental income  from xxxxxx  was used in the approval. Per guidelines, a Borrower using Asset Depletion / Asset Qualifier cannot use other sources of employment income. Non employment sources of income may be considered on a case-by-case basis and will require an investor exception approval. The exception is missing from the loan file. 

exemption - xx/xx/xxxx

 EXCEPTION REQUEST FORM  - xx/xx/xxxx

 LOE - xx/xx/xxxx

 Approved Exception was provided to use Asset Depletion in addition to rental income. - xx/xx/xxxx

exemption - xx/xx/xxxx

Condition upheld. Provide the xxxxxx Approved Loan Exception Form. - xx/xx/xxxx

EXCEPTION REQUEST FORM  - xx/xx/xxxx

Document Uploaded. Condition upheld.  Please attached guidelines.  Exception will need to be submitted, approved, and provided. - xx/xx/xxxx

LOE - xx/xx/xxxx

 Approved Exception was provided to use Asset Depletion in addition to rental income. - xx/xx/xxxx

exemption - xx/xx/xxxx

Condition upheld. Provide the xxxxxx Approved Loan Exception Form. - xx/xx/xxxx

EXCEPTION REQUEST FORM  - xx/xx/xxxx

Document Uploaded. Condition upheld.  Please attached guidelines.  Exception will need to be submitted, approved, and provided. - xx/xx/xxxx

LOE - xx/xx/xxxx

 2026-05-14 17:26 Waived 3 2 3 2
4000128915 xx/xx/xxxx xxxxx xxxxx NY Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9198600 4 of 6 xx/xx/xxxx Credit Eligibility - Investor Experience The borrower(s) investor experience does not meet guideline requirements. Borrow LOE stated 12 months investment ownership. Property purchased xxxxxx . Only 9 months provided, missing additional 3 months ownership. 

Exception approved for this guideline, see attached - xx/xx/xxxx

 Exception provided. Borrower has 9 months of ownership experience on subject property versus twelve months. Per TWL approved Guidelines, first time investor is allowed with a DSCR over 1 (xxxxxx) and Fico over xxxxxx (xxxxxx). Exception approved.  - xx/xx/xxxx
Exception approved for this guideline, see attached - xx/xx/xxxx
 Exception provided. Borrower has 9 months of ownership experience on subject property versus twelve months. Per TWL approved Guidelines, first time investor is allowed with a DSCR over 1 (xxxxxx) and Fico over xxxxxx (xxxxxx). Exception approved.  - xx/xx/xxxx
Exception approved for this guideline, see attached - xx/xx/xxxx
 2026-07-08 19:50 Waived 3 2 3 2
4000129611 xx/xx/xxxx xxxxx xxxxx NJ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9466122 1 of 3 xx/xx/xxxx Credit Credit Profile - Insufficient Tradelines The documented tradelines do not meet the minimum tradelines required per guidelines. Per Sectionxx/xx/xxxx(Tradelines) of Guidelines v8.9, each borrower is required to have a minimum of two tradelines within the past 24 months, each with at least a 12-month history. However, the credit report reflects only one tradeline within the past 24 months that satisfies this requirement.



EXCEPTION APPROVED - SEE ATTACHED  - xx/xx/xxxx

 Approved Exception was provided for Borrower not meeting the minimum tradeline requirement.  - xx/xx/xxxx

EXCEPTION APPROVED - SEE ATTACHED  - xx/xx/xxxx

 Approved Exception was provided for Borrower not meeting the minimum tradeline requirement.  - xx/xx/xxxx

EXCEPTION APPROVED - SEE ATTACHED  - xx/xx/xxxx

 2026-06-09 15:04 Waived 3 2 3 2
4000101122 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 7684104 1 of 3 xx/xx/xxxx Credit Cash reserves less than required by guidelines Total Cash reserves of '$-xxxxxx ' are less than $0. The reserve shortage is being driven by the increase in HOI Premium from $xxxxxx  to $xxxxxx  Post Closing as noted on the xxxxxx  Inc letter to borrower dated xx/xx/xxxx.  

Exception approved  - xx/xx/xxxx

 Can we please get an exception for this? - xx/xx/xxxx

 is this a valid condition? Borrower has sufficient reserves - xx/xx/xxxx

 Approved Exception provided for: Borrower closed short $908.   - xx/xx/xxxx
Exception approved  - xx/xx/xxxx
Condition upheld.  Request and provide an exception from xxxxxx. - xx/xx/xxxx
Can we please get an exception for this? - xx/xx/xxxx
6 months reserves are required per guidelines, borrower has 5.62 months available, and is short by $xxxxxx - xx/xx/xxxx
is this a valid condition? Borrower has sufficient reserves - xx/xx/xxxx
 Approved Exception provided for: Borrower closed short $908.   - xx/xx/xxxx
Exception approved  - xx/xx/xxxx
Condition upheld.  Request and provide an exception from xxxxxx. - xx/xx/xxxx
Can we please get an exception for this? - xx/xx/xxxx
6 months reserves are required per guidelines, borrower has 5.62 months available, and is short by $xxxxxx. - xx/xx/xxxx
is this a valid condition? Borrower has sufficient reserves - xx/xx/xxxx
 2026-03-03 21:25 Waived 3 2 3 2
4000131839 xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9704501 1 of 5 xx/xx/xxxx Credit Audited CLTV Exceeds Guideline CLTV Audited CLTV exceeds guideline CLTV. Per Lender Guidelines 16.3, a 2-4 Unit Max LTV/CLTV is 75%. However, Declining Markets require a 5% LTV reduction; therefore, the maximum LTV/CLTV/HLTV is 70%. 



Exception approval form attached. - xx/xx/xxxx

 Approved Exception provided for LTV to 75% for a 2–4-unit DSCR. - xx/xx/xxxx

Exception approval form attached. - xx/xx/xxxx

 Approved Exception provided for LTV to 75% for a 2–4-unit DSCR. - xx/xx/xxxx

Exception approval form attached. - xx/xx/xxxx

 2026-06-19 17:04 Waived 3 2 3 2
4000131839 xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9704502 2 of 5 xx/xx/xxxx Credit Audited HCLTV Exceeds Guideline HCLTV Audited HLTV exceeds guideline HCLTV. Per Lender Guidelines 16.3, a 2-4 Unit Max LTV/CLTV is 75%. However, Declining  require a 5% LTV reduction; therefore, the maximum LTV/CLTV/HLTV is 70%. 

Exception approval form attached. - xx/xx/xxxx

 Approved Exception provided for LTV to 75% for a 2–4-unit DSCR. - xx/xx/xxxx

Exception approval form attached. - xx/xx/xxxx

 Approved Exception provided for LTV to 75% for a 2–4-unit DSCR. - xx/xx/xxxx

Exception approval form attached. - xx/xx/xxxx

 2026-06-19 17:04 Waived 3 2 3 2
4000131839 xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9704503 3 of 5 xx/xx/xxxx Credit Audited LTV Exceeds Guideline LTV Audited LTV exceeds guideline LTV. Per Lender Guidelines 16.3, a 2-4 Unit Max LTV/CLTV is 75%. However, Declining  require a 5% LTV reduction; therefore, the maximum LTV/CLTV/HLTV is 70%. 

Exception approval form attached. - xx/xx/xxxx

 Approved Exception provided for LTV to 75% for a 2–4-unit DSCR. - xx/xx/xxxx

Exception approval form attached. - xx/xx/xxxx

 Approved Exception provided for LTV to 75% for a 2–4-unit DSCR. - xx/xx/xxxx

Exception approval form attached. - xx/xx/xxxx

 2026-06-19 17:05 Waived 3 2 3 2
4000131131 xx/xx/xxxx xxxxx xxxxx TN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9483305 2 of 4 xx/xx/xxxx Property Appraisal - Other There are additional appraisal findings. Appraiser states non arm length purchase due to borrower representing himself. This does not classify as a NAL as no relationship to the seller can be established. NAL investment is not allowed per guidelines.



Exception - xx/xx/xxxx

 Approved Exception provided for NAL.  Borrower is representing himself as Buyers RE Agent. - xx/xx/xxxx

Exception - xx/xx/xxxx

 Approved Exception provided for NAL.  Borrower is representing himself as Buyers RE Agent. - xx/xx/xxxx

Exception - xx/xx/xxxx

 2026-06-04 16:39 Waived 2 2 3 2
4000131131 xx/xx/xxxx xxxxx xxxxx TN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9483910 3 of 4 xx/xx/xxxx Credit Purchase is not considered to be an Arm's Length Transaction Non-arm's length transactions not allowed for program. The appraisal states that the subject sale should be updated to Non-Arm Length transaction due to the borrower representing himself to be buyer agent



Exception - xx/xx/xxxx

 Approved Exception provided for NAL.  Borrower is representing himself as Buyers RE Agent. - xx/xx/xxxx

Exception - xx/xx/xxxx

 Approved Exception provided for NAL.  Borrower is representing himself as Buyers RE Agent. - xx/xx/xxxx

Exception - xx/xx/xxxx

 2026-06-04 16:38 Waived 3 2 3 2
4000131131 xx/xx/xxxx xxxxx xxxxx TN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9483952 4 of 4 xx/xx/xxxx Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines.   xxxxxx does not allow NAL transactions on investment properties. The appraisal states that the subject sale should be updated to Non-Arm Length transaction due to the borrower representing himself to be buyer agent



Exception - xx/xx/xxxx

 Approved Exception provided for NAL.  Borrower is representing himself as Buyers RE Agent. - xx/xx/xxxx

Exception - xx/xx/xxxx

 Approved Exception provided for NAL.  Borrower is representing himself as Buyers RE Agent. - xx/xx/xxxx

Exception - xx/xx/xxxx

 2026-06-04 16:37 Waived 3 2 3 2
4000132035 xx/xx/xxxx xxxxx xxxxx UT Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9892666 3 of 3 xx/xx/xxxx Credit Cash Out Does Not Meet Guideline Requirements Cash out does not meet guideline requirements. The subject transaction is a cash out refinance of an investment property. Per guidelines, Loans not eligible for cash-out: when proceeds from the loan transaction are used for consumer purpose or lines of credit secured by the subject property. Per the final CD, there is a line of credit that was paid off at close. There is an email referencing an approved exception, but the xxxxxx exception form is missing from the loan file.



approved exception - xx/xx/xxxx

 Approved Exception was provided to pay-off Business line of credit attached to subject property was provided. - xx/xx/xxxx

approved exception - xx/xx/xxxx

 Approved Exception was provided to pay-off Business line of credit attached to subject property was provided. - xx/xx/xxxx

approved exception - xx/xx/xxxx

 2026-06-26 15:24 Waived 3 2 3 2
4000120182 xx/xx/xxxx xxxxx xxxxx FL Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 8929159 1 of 3 xx/xx/xxxx Credit Calculated DSCR does not meet the Minimum DSCR allowed The Calculated DSCR of 'xxxxxx' is less than the minimum required DSCR of'1'. Exception is needed for the borrowers being first time investors with DSCR ratio < 1.

 

 1. FICO score is xxxxxx (xxxxxx points above minimum); 2. Credit depth of over 21 years with no derogatory credit, perfect mortgage payment record, over 11 year history of managing a mortgage and borrowers currently own two investment properties sincexxxxxx; 3. Verified reserves of 335 months for the subject property (3 months required), all from xxxxxxonal funds; 4. LTV is xxxxxx% (xxxxxx% below the max allowed); 5. Extensive real estate experience (see LOE). - xx/xx/xxxx
 

 2026-04-28 21:39 Waived 2 2 2 2
4000114305 xxxxx xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 7683564 2 of 4 xx/xx/xxxx Credit Eligibility - Investor Experience The borrower(s) investor experience does not meet guideline requirements. xxxxxx is requesting an investor exception to allow a First Time Investor with less than <1.0 DSCR ratio. DSCR Ratio is .xxxxxx 



2026-02-18 19:30 Waived 2 2 2 2
4000117724 xx/xx/xxxx xxxxx xxxxx NY Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 8319736 3 of 5 xx/xx/xxxx Property Condo - Warrantability Condominium project is not warrantable, or documentation not provided to determine warrantability PROJECT : Condo with FNMA xxxxxx Approval w/ Pending Litigation for Non-Warrantable Condominium = OK per Investor Exception
xxxxxx  FINANCIAL LOAN EXCEPTION FORM  - LPA for Slip and Fall Pending Litigation - approved: exception approved-loan is subject to final approval and no additional exceptions are allowed.
 
 

2026-03-25 20:25 Waived 2 2 4 2
4000123768 xx/xx/xxxx xxxxx xxxxx CA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9069555 3 of 3 xx/xx/xxxx Property Appraisal - Miscellaneous The subject appraisal reflected issues. Exception: ADU includes overall square footage with no permits. xxxxxx Guideline Requirement: Unpermitted additions cannot be included in the overall square footage of the property unless permits are obtained and documentation provided that the addition is covered by acceptable property insurance.
 

2026-05-06 19:09 Waived 2 2 3 2
4000128975 xx/xx/xxxx xxxxx xxxxx AZ Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9609581 3 of 3 xx/xx/xxxx Credit Eligibility - Investor Experience The borrower(s) investor experience does not meet guideline requirements. Exception: Applicant has owned investment property < 1 years. Primary home is in name of spouse. FTxxxxxx/FTIA.
 





2026-06-08 22:29 Waived 2 2 2 2
4000129969 xx/xx/xxxx xxxxx xxxxx VT Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9643917 2 of 4 xx/xx/xxxx Credit Income and Employment Do Not Meet Guidelines Income and employment do not meet guidelines. The borrower had 6 NSF charges within the last 12 months. Per guidelines, A maximum of three (3) instances are allowed with twelve (12) months of statements.  A formal exception is located in the loan file. 





2026-06-10 15:29 Waived 2 2 2 2
4000129969 xx/xx/xxxx xxxxx xxxxx VT Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9643922 3 of 4 xx/xx/xxxx Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines. The loan was approved using a combination of xxxxxxonal and business bank statements. A formal exception is located in the loan file. 





2026-06-10 15:29 Waived 2 2 2 2
4000132485 xx/xx/xxxx xxxxx xxxxx TN Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9608360 1 of 4 xx/xx/xxxx Credit Purchase is not considered to be an Arm's Length Transaction Non-arm's length transactions not allowed for program. Subject is Non Arm's Length and is For Sale by Owner.  Per guidelines NAL transactions are only allowed on primary residences.  A formal Exception was issued. 





2026-06-08 21:33 Waived 2 2 3 2
4000130722 xx/xx/xxxx xxxxx xxxxx TX Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9653634 4 of 4 xx/xx/xxxx Credit Purchase is not considered to be an Arm's Length Transaction Non-arm's length transactions not allowed for program. xxxxxx is requesting an Investor Exception to allow a Non-Arm's Length transaction due to a Dual Real Estate Agent that is representing both Buyer & Seller.

The exception is approved; loan is subject to final review with no additional exceptions. comp factors include strong fico and strong residual income. 





2026-06-10 13:47 Waived 2 2 2 2
4000131459 xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9688937 3 of 5 xx/xx/xxxx Credit Audited CLTV Exceeds Guideline CLTV Audited CLTV exceeds guideline CLTV. The loan was locked at 75 LTV, Rate/Term refi.  The appraiser mxxxxxxed the Market as declining, so we are overleveraged at 75 LTV with the presence of IO on the loan.

The Exception is approved to not further reduce LTV on a 2–4-unit DSCR w/IO from 75% to 70% LTV with a -.375 LPA. The comp factors include 1.50 DSCR ratio, 750 FICO, 25% equity, & 12 months reserves, and an experienced investor.  No other exceptions allowed and subject to final review.
 

2026-06-11 14:48 Waived 2 2 2 2
4000131459 xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9688938 4 of 5 xx/xx/xxxx Credit Audited HCLTV Exceeds Guideline HCLTV Audited HLTV exceeds guideline HCLTV. The loan was locked at 75 LTV, Rate/Term refi.  The appraiser mxxxxxxed the Market as declining, so we are overleveraged at 75 LTV with the presence of IO on the loan.

The Exception is approved to not further reduce LTV on a 2–4-unit DSCR w/IO from 75% to 70% LTV with a -.375 LPA. The comp factors include 1.50 DSCR ratio, 750 FICO, 25% equity, & 12 months reserves, and an experienced investor.  No other exceptions allowed and subject to final review.





2026-06-11 14:47 Waived 2 2 2 2
4000131459 xx/xx/xxxx xxxxx xxxxx PA Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9688939 5 of 5 xx/xx/xxxx Credit Audited LTV Exceeds Guideline LTV Audited LTV exceeds guideline LTV. The loan was locked at 75 LTV, Rate/Term refi.  The appraiser mxxxxxxed the Market as declining, so we are overleveraged at 75 LTV with the presence of IO on the loan.

The Exception is approved to not further reduce LTV on a 2–4-unit DSCR w/IO from 75% to 70% LTV with a -.375 LPA. The comp factors include 1.50 DSCR ratio, 750 FICO, 25% equity, & 12 months reserves, and an experienced investor.  No other exceptions allowed and subject to final review.
 

2026-06-11 14:49 Waived 2 2 2 2
4000132943 xx/xx/xxxx xxxxx xxxxx NJ Primary Residence Purchase QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) 9749510 3 of 3 xx/xx/xxxx Credit Purchase is not considered to be an Arm's Length Transaction Non-arm's length transactions not allowed for program. xxxxxx is requesting an Investor Exception for a NAL due to Dual Real Estate Agent - RE Agent representing both Buyer & Seller. IPC are within guideline limits.

Exception Approved - Comp Factors: xxxxxx FICO, 6 months in reserves. Loan will be subject to final review with no additional exceptions.



2026-06-15 18:36 Waived 2 2 2 2
4000132756 xx/xx/xxxx xxxxx xxxxx TX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 9817350 3 of 3 xx/xx/xxxx Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines. Per guidelines-Vacant properties not eligible for Refinance, except for properties currently vacant due to the subject property having undergone recent renovation or rehab, with the intention of being rented out soon. Letter in file advising reason of vacancy due to extensive renovations and has recently been on Market as of xxxxxx for long term rental. Loan qualified/approved. A formal exception is in file. Missing xxxxxx exception approval for subject property being vacant.




Investor accepts waiver. - xx/xx/xxxx

 Investor accepts waiver. - xx/xx/xxxx

 2026-06-25 18:09 Waived 2 2 2 2
4000132926 xx/xx/xxxx xxxxx xxxxx MA Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 9799526 1 of 3 xx/xx/xxxx Credit Purchase is not considered to be an Arm's Length Transaction Non-arm's length transactions not allowed for program. Exception approval in file for Non-Arm's Length Transaction: xxxxxx is requesting an Investor Exception for a Borrower who is a Licensed RE Agent to represent themselves as the Buyers RE Agent. IPC are within guideline limits. 





2026-06-17 20:47 Waived 2 2 3 2
4000133370 xx/xx/xxxx xxxxx xxxxx WA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9873058 1 of 5 xx/xx/xxxx Credit Audited CLTV Exceeds Guideline CLTV Audited CLTV exceeds guideline CLTV. Requesting an exception to proceed at 90%LTV with a rural property. Our guidelines allow a max of 75%, Even if a primary residence.

The Seller guide exception approved for 90% LTV on rural property with -.125 LPA and with noted comp factors = EP, The primary residence purchase transaction at 90% LTV, xxxxxx FICO, 35% DTI, 6 months reserves and $xxxxxx month in residual income. No other exceptions allowed and subject to final review. 



2026-06-23 16:36 Waived 2 2 2 2
4000133370 xx/xx/xxxx xxxxx xxxxx WA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9892756 4 of 5 xx/xx/xxxx Credit Audited HCLTV Exceeds Guideline HCLTV Audited HLTV exceeds guideline HCLTV. Requesting an exception to proceed at 90%LTV with a rural property. Our guidelines allow a max of 75%, Even if a primary residence.

The Seller guide exception approved for 90% LTV on rural property with -.125 LPA and with noted comp factors = EP, The primary residence purchase transaction at 90% LTV, 774 FICO, 35% DTI, 6 months reserves and $5,000 month in residual income. No other exceptions allowed and subject to final review.
 

2026-06-23 16:37 Waived 2 2 2 2
4000133370 xx/xx/xxxx xxxxx xxxxx WA Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9892757 5 of 5 xx/xx/xxxx Credit Audited LTV Exceeds Guideline LTV Audited LTV exceeds guideline LTV. Requesting an exception to proceed at 90%LTV with a rural property. Our guidelines allow a max of 75%, Even if a primary residence.

The Seller guide exception approved for 90% LTV on rural property with -.125 LPA and with noted comp factors = EP, The primary residence purchase transaction at 90% LTV, xxxxxx FICO, 35% DTI, 6 months reserves and $xxxxxx month in residual income. No other exceptions allowed and subject to final review.
 

2026-08-10 14:12 Waived 2 2 2 2
4000133869 xx/xx/xxxx xxxxx xxxxx NJ Primary Residence Purchase Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 9885740 3 of 3 xx/xx/xxxx Credit Transaction is not arm's length Per guidelines-Non-Arm’s Length transactions allowed on Primary Purchase transactions only. Subject primary and within guidelines for approval/qualifying. Exception in file due to agent representing both seller & purchaser(borrower). IPC within guideline limits.



2026-06-23 12:24 Waived 2 2 2 2
4000135657 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10046981 4 of 6 xx/xx/xxxx Credit Audited CLTV Exceeds Guideline CLTV Audited CLTV exceeds guideline CLTV. Per guidelines-Investment purchase: Min FICOxxxxxx/Max LTV 70%/Max DTI 50%. Loan qualified/approved with LTV 75%. A formal exception is in file.



Per guidelines-Investment purchase: Min FICOxxxxxx/Max LTV 70%/Max DTI 50%. Loan qualified/approved with LTV 75%. A formal exception is in file. - xx/xx/xxxx

 Per guidelines-Investment purchase: Min FICOxxxxxx/Max LTV 70%/Max DTI 50%. Loan qualified/approved with LTV 75%. A formal exception is in file. - xx/xx/xxxx

 2026-07-06 20:25 Waived 2 2 3 2
4000135657 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10046982 5 of 6 xx/xx/xxxx Credit Audited HCLTV Exceeds Guideline HCLTV Audited HLTV exceeds guideline HCLTV. Per guidelines-Investment purchase: Min FICOxxxxxx/Max LTV 70%/Max DTI 50%. Loan qualified/approved with LTV 75%. A formal exception is in file.





Per guidelines-Investment purchase: Min FICOxxxxxx/Max LTV 70%/Max DTI 50%. Loan qualified/approved with LTV 75%. A formal exception is in file. - xx/xx/xxxx

 Per guidelines-Investment purchase: Min FICOxxxxxx/Max LTV 70%/Max DTI 50%. Loan qualified/approved with LTV 75%. A formal exception is in file. - xx/xx/xxxx

 2026-07-06 20:25 Waived 2 2 3 2
4000135657 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10046983 6 of 6 xx/xx/xxxx Credit Audited LTV Exceeds Guideline LTV Audited LTV exceeds guideline LTV. Per guidelines-Investment purchase: Min FICOxxxxxx/Max LTV 70%/Max DTI 50%. Loan qualified/approved with LTV 75%. A formal exception is in file.





Per guidelines-Investment purchase: Min FICOxxxxxx/Max LTV 70%/Max DTI 50%. Loan qualified/approved with LTV 75%. A formal exception is in file. - xx/xx/xxxx

 Per guidelines-Investment purchase: Min FICOxxxxxx/Max LTV 70%/Max DTI 50%. Loan qualified/approved with LTV 75%. A formal exception is in file. - xx/xx/xxxx

 2026-07-06 20:25 Waived 2 2 3 2
4000137601 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10265158 3 of 3 xx/xx/xxxx Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines. Borrower is FTxxxxxx xxxxxxException Form provided
Per xxxxxx guidelines-First Time Investors are allowed on exception basis provided that DSCR is >1.0 and credit score is >xxxxxx.
 

2026-07-15 22:00 Waived 2 2 2 2
4000136175 xx/xx/xxxx xxxxx xxxxx NY Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 10245175 3 of 3 xx/xx/xxxx Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines. xxxxxxGuidelines do not allow FTxxxxxx. They are allowed on xxxxxx DSCR Plus Guidelines, Exception provided for seller guideline violation. 





2026-07-30 17:22 Waived 2 2 2 2
4000101749 xxxxx xxxxx xx/xx/xxxx xxxxx xxxxx HI Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 6835859 1 of 3 xx/xx/xxxx Property Condo - Warrantability Condominium project is not warrantable, or documentation not provided to determine warrantability An exception has been requested to allow a Non-Warrantable Condo on a New Condo Project that is 100% complete as ofxxxxxxbut the HOA is still in control untilxx/xx/xxxx.

A formal exception is in the file. 





2025-12-30 19:25 Waived 2 2 3 2