Exhibit 99.03 - Schedule 3
| Loan ID | Seller Loan ID | Investor Loan ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| 2179414 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 2179961 | D | A | D | A | D | A | A | A | Closed | FCOM1227 | 2026-05-04 02:10 | 2026-08-18 15:12 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-08/18/2026 Resolved-Re-recorded DOT with Signed PUD rider provided - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. - Buyer-06/15/2026 Counter-Appraisal shows in xxx and FCD also shows HOA fees. xxx also mentions HOA. PUD rider is needed. - Due Diligence Vendor-05/07/2026 Ready for Review-this is not a PUD - Seller-05/06/2026 Open-PUD Rider is Missing . xxx is not built into the Deed. - Due Diligence Vendor-05/04/2026 |
Ready for Review-this is not a PUD - Seller-05/06/2026 |
Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-08/18/2026 Resolved-Re-recorded DOT with Signed PUD rider provided - Due Diligence Vendor-06/16/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.33 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 2179961 | D | A | D | A | D | A | A | A | Closed | FCOM1266 | 2026-05-05 06:28 | 2026-05-12 10:38 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-***Received missing disclosures - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. - Buyer-05/11/2026 Counter-***Although loan is xxx, it is not exempt from TRID rule/requirements. Lender to provide missing documents. - Due Diligence Vendor-05/07/2026 Ready for Review- - Due Diligence Vendor-05/07/2026 Ready for Review-not a TRID loan - Buyer-05/06/2026 Open-Homeownership Counseling Disclosure Is Missing ***** Homeownership Counseling Disclosure Is Missing ******* Please provide entire initial disclosure package for review - Due Diligence Vendor-05/05/2026 |
Resolved-***Received missing disclosures - Due Diligence Vendor-05/12/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.33 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 2179961 | D | A | D | A | D | A | A | A | Closed | FCOM4227 | 2026-05-05 06:31 | 2026-05-12 10:38 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-***Received missing disclosures - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. - Buyer-05/11/2026 Counter-***Although loan is xxx, it is not exempt from TRID rule/requirements. Lender to provide missing documents. - Due Diligence Vendor-05/07/2026 Ready for Review-This is not a TRID loan, this is NON QM - Seller-05/06/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-05/05/2026 |
Ready for Review-This is not a TRID loan, this is NON QM - Seller-05/06/2026 |
Resolved-***Received missing disclosures - Due Diligence Vendor-05/12/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.33 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 2179961 | D | A | D | A | D | A | A | A | Closed | FCOM3957 | 2026-05-05 06:34 | 2026-05-12 10:38 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-***Received missing disclosures - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. - Seller-05/11/2026 Counter-***Although loan is non-qm, it is not exempt from TRID rule/requirements. Lender to provide missing documents. - Due Diligence Vendor-05/07/2026 Ready for Review-not a TRID loan, this is non QM - Seller-05/06/2026 Open-"******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." ******* Please provide entire initial disclosure package for review - Due Diligence Vendor-05/05/2026 |
Ready for Review-Document Uploaded. - Seller-05/11/2026 Ready for Review-not a TRID loan, this is non QM - Seller-05/06/2026 |
Resolved-***Received missing disclosures - Due Diligence Vendor-05/12/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.33 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 2179961 | D | A | D | A | D | A | A | A | Closed | FCOM1797 | 2026-05-05 06:36 | 2026-05-12 10:38 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-***Received missing disclosures - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. - Seller-05/11/2026 Counter-***Although loan is non-qm, it is not exempt from TRID rule/requirements. Lender to provide missing documents. - Due Diligence Vendor-05/07/2026 Ready for Review-not a TRID loan - Seller-05/06/2026 Open-****** Application Date is xxx, Service Provider List is not provided within 3 business days of application. ******* Please provide entire initial disclosure package for review - Due Diligence Vendor-05/05/2026 |
Ready for Review-Document Uploaded. - Seller-05/11/2026 Ready for Review-not a TRID loan - Seller-05/06/2026 |
Resolved-***Received missing disclosures - Due Diligence Vendor-05/12/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.33 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 2179961 | D | A | D | A | D | A | A | A | Closed | finding-3612 | 2026-05-06 12:28 | 2026-05-12 10:34 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Initial Closing Disclosure Date and Date Creditor Received Application Validation Test | Resolved-***Received missing disclosures - Due Diligence Vendor-05/12/2026 Counter-***Although loan is non-qm, it is not exempt from TRID rule/requirements. Lender to provide missing documents. - Due Diligence Vendor-05/07/2026 Ready for Review-not a TRID loan - Seller-05/06/2026 Open-****** Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-05/06/2026 Open- - Due Diligence Vendor-05/06/2026 |
Ready for Review-not a TRID loan - Seller-05/06/2026 |
Resolved-***Received missing disclosures - Due Diligence Vendor-05/12/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.33 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 2179961 | D | A | D | A | D | A | A | A | Closed | FCRE1183 | 2026-05-05 11:31 | 2026-05-12 08:36 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. 1003 uploaded - Seller-05/11/2026 Counter-Borrower 2 income still needs adjustment to amount seen on final 1003. - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. - Seller-05/06/2026 Open-1008/Underwriting Summary Partially Provided . Provide corrected 1008 with income for Borrower 2 as seen on the final 1003 of $xxx. Income showing on the final 1008 does not match and is not supported. Subject to review. - Due Diligence Vendor-05/05/2026 |
Ready for Review-Document Uploaded. 1003 uploaded - Seller-05/11/2026 Ready for Review-Document Uploaded. - Seller-05/06/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/12/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.33 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 2179961 | D | A | D | A | D | A | A | A | Closed | FCRE5782 | 2026-05-04 03:01 | 2026-05-07 12:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. - Seller-05/06/2026 Open-Borrower 1 Gap Credit Report is Missing . Provide letter of explanation from the borrower for inquires listed on the report within 9- days of the report date. And new debts must be supplied with documentation and included in the DTI ratios. Subject to review and possible additional conditions. - Due Diligence Vendor-05/04/2026 |
Ready for Review-Document Uploaded. - Seller-05/06/2026 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/07/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.33 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 2179961 | D | A | D | A | D | A | A | A | Closed | FCRE5783 | 2026-05-04 03:01 | 2026-05-07 12:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/07/2026 Ready for Review-joint report uploaded - Buyer-05/06/2026 Open-Borrower 2 Gap Credit Report is Missing . Provide letter of explanation from the borrower for inquires listed on the report within 9- days of the report date. And new debts must be supplied with documentation and included in the DTI ratios. Subject to review and possible additional conditions. - Due Diligence Vendor-05/04/2026 |
Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/07/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.33 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||||
| 2173122 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 2173121 | D | A | D | A | A | A | A | A | Closed | FCRE7805 | 2026-05-22 01:09 | 2026-05-27 09:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-xxx B/S provided - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Attached xxx B/S. Thanks! - Seller-05/26/2026 Open-xxx Bank Statement is missing in loan Document. - Due Diligence Vendor-05/22/2026 |
Ready for Review-Document Uploaded. Attached xxx B/S. Thanks! - Seller-05/26/2026 |
Resolved-xxx B/S provided - Due Diligence Vendor-05/27/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 2173120 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 2173126 | C | A | C | A | C | A | A | A | Closed | FCRE1159 | 2026-05-28 05:57 | 2026-06-02 13:50 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/02/2026 Ready for Review-Document Uploaded. - Seller-06/01/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-05/28/2026 |
Ready for Review-Document Uploaded. - Seller-06/01/2026 |
Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/02/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.55 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.75 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 2173124 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 2177287 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 2179048 | D | B | A | A | C | B | D | A | Closed | finding-3631 | 2026-06-05 11:15 | 2026-06-23 13:29 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Cured-***Received cure package - Due Diligence Vendor-06/23/2026 Resolved-***Received cure package - Due Diligence Vendor-06/23/2026 Resolved- - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. - Seller-06/22/2026 Counter-**Received PCCD, LOE, and Shipping label. Cure package is incomplete, we are missing a copy of the refund check. - Due Diligence Vendor-06/22/2026 Ready for Review-Document Uploaded. - Seller-06/19/2026 Counter-***Received explanation. However, invoice in the original file for the Credit Report is dated xxx which is prior to the initial loan estimate being issued of xxx. - Due Diligence Vendor-06/18/2026 Ready for Review-To clarify, the credit report fee was initially disclosed based on an estimate using the best information reasonably available at the time, including standard industry pricing. After receiving the actual credit report invoice from the broker, it was determined that the vendor's charge exceeded the amount originally estimated and disclosed. Accordingly, the fee was updated to reflect the actual cost incurred for the credit report. - Seller-06/17/2026 Counter-Section 1026.19(e)(3)(iv)(A)(2) applies when information specific to the borrower or transaction was inaccurate or later changed. Your explanation points to an error by the xxx, not a change in the borrower, property, loan terms, or any other transaction-specific fact. A xxx providing an incorrect fee amount is not, by itself, a valid changed circumstance. If the fee increase resulted from an inaccurate fee quote rather than a subsequent change to the transaction, then the charge remains subject to tolerance limits and appears to require cure under §1026.19(e)(3)(i) and §1026.19(f)(2)(v). - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. - Seller-06/15/2026 Counter-The simple fact that the credit charge came in higher than disclosed is not a valid changed circumstance pursuant to § 1026.19(e)(3)(iv). 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/11/2026 Ready for Review-CD COC - Seller-06/10/2026 Open-The following charges have been either added or increased: Credit Report resulting in a 0% tolerance cure in the amount of $xxx . Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/10/2026 Open- - Due Diligence Vendor-06/10/2026 Open- - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 |
Ready for Review-Document Uploaded. - Seller-06/22/2026 Ready for Review-Document Uploaded. - Seller-06/19/2026 Ready for Review-To clarify, the credit report fee was initially disclosed based on an estimate using the best information reasonably available at the time, including standard industry pricing. After receiving the actual credit report invoice from the broker, it was determined that the vendor's charge exceeded the amount originally estimated and disclosed. Accordingly, the fee was updated to reflect the actual cost incurred for the credit report. - Seller-06/17/2026 Ready for Review-Document Uploaded. - Seller-06/15/2026 Ready for Review-CD COC - Seller-06/10/2026 |
Cured-***Received cure package - Due Diligence Vendor-06/23/2026 Resolved-***Received cure package - Due Diligence Vendor-06/23/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.42 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 2179048 | D | B | A | A | C | B | D | A | Closed | finding-3634 | 2026-06-05 11:15 | 2026-06-23 13:29 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-***Received cure package - Due Diligence Vendor-06/23/2026 Resolved-***Received cure package - Due Diligence Vendor-06/23/2026 Resolved- - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. - Seller-06/22/2026 Counter-**Received PCCD, LOE, and Shipping label. Cure package is incomplete, we are missing a copy of the refund check. - Due Diligence Vendor-06/22/2026 Ready for Review-Document Uploaded. - Seller-06/19/2026 Counter-***Received explanation. However, invoice in the original file for the Credit Report is dated xxx which is prior to the initial loan estimate being issued of xxx. - Due Diligence Vendor-06/18/2026 Ready for Review-To clarify, the credit report fee was initially disclosed based on an estimate using the best information reasonably available at the time, including standard industry pricing. After receiving the actual credit report invoice from the broker, it was determined that the vendor's charge exceeded the amount originally estimated and disclosed. Accordingly, the fee was updated to reflect the actual cost incurred for the credit report. - Seller-06/17/2026 Counter-Section 1026.19(e)(3)(iv)(A)(2) applies when information specific to the borrower or transaction was inaccurate or later changed. Your explanation points to an error by the broker, not a change in the borrower, property, loan terms, or any other transaction-specific fact. A broker providing an incorrect fee amount is not, by itself, a valid changed circumstance. If the fee increase resulted from an inaccurate fee quote rather than a subsequent change to the transaction, then the charge remains subject to tolerance limits and appears to require cure under §1026.19(e)(3)(i) and §1026.19(f)(2)(v). - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. - Seller-06/15/2026 Counter-The simple fact that the credit charge came in higher than disclosed is not a valid changed circumstance pursuant to § 1026.19(e)(3)(iv). 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. CD COC - Seller-06/10/2026 Open-The following charges have been either added or increased: Credit Report resulting in a 0% tolerance cure in the amount of $xxx . Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/10/2026 Open- - Due Diligence Vendor-06/10/2026 Open- - Due Diligence Vendor-06/05/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The following Credit Report Fee charges have been increased: $xxx resulting in a 0% tolerance cure in the amount of $xxx Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 |
Ready for Review-Document Uploaded. - Seller-06/22/2026 Ready for Review-Document Uploaded. - Seller-06/19/2026 Ready for Review-To clarify, the credit report fee was initially disclosed based on an estimate using the best information reasonably available at the time, including standard industry pricing. After receiving the actual credit report invoice from the broker, it was determined that the vendor's charge exceeded the amount originally estimated and disclosed. Accordingly, the fee was updated to reflect the actual cost incurred for the credit report. - Seller-06/17/2026 Ready for Review-Document Uploaded. - Seller-06/15/2026 Ready for Review-Document Uploaded. CD COC - Seller-06/10/2026 |
Cured-***Received cure package - Due Diligence Vendor-06/23/2026 Resolved-***Received cure package - Due Diligence Vendor-06/23/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.42 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 2179048 | D | B | A | A | C | B | D | A | Closed | finding-3632 | 2026-06-05 11:15 | 2026-06-23 13:29 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-***Received cure package - Due Diligence Vendor-06/23/2026 Resolved- - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. - Seller-06/22/2026 Counter-**Received PCCD, LOE, and Shipping label. Cure package is incomplete, we are missing a copy of the refund check. - Due Diligence Vendor-06/22/2026 Ready for Review-Document Uploaded. - Seller-06/19/2026 Counter-***Received explanation. However, invoice in the original file for the Credit Report is dated xxx which is prior to the initial loan estimate being issued of xxx. - Due Diligence Vendor-06/18/2026 Ready for Review-To clarify, the credit report fee was initially disclosed based on an estimate using the best information reasonably available at the time, including standard industry pricing. After receiving the actual credit report invoice from the broker, it was determined that the vendor's charge exceeded the amount originally estimated and disclosed. Accordingly, the fee was updated to reflect the actual cost incurred for the credit report. - Seller-06/17/2026 Counter-Section 1026.19(e)(3)(iv)(A)(2) applies when information specific to the borrower or transaction was inaccurate or later changed. Your explanation points to an error by the broker, not a change in the borrower, property, loan terms, or any other transaction-specific fact. A broker providing an incorrect fee amount is not, by itself, a valid changed circumstance. If the fee increase resulted from an inaccurate fee quote rather than a subsequent change to the transaction, then the charge remains subject to tolerance limits and appears to require cure under §1026.19(e)(3)(i) and §1026.19(f)(2)(v). - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. - Seller-06/15/2026 Counter-The simple fact that the credit charge came in higher than disclosed is not a valid changed circumstance pursuant to § 1026.19(e)(3)(iv). 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. CD COC - Seller-06/10/2026 Open-The following charges have been either added or increased: Credit Report resulting in a 0% tolerance cure in the amount of $xxx . Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/10/2026 Open- - Due Diligence Vendor-06/10/2026 Open- - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 |
Ready for Review-Document Uploaded. - Seller-06/22/2026 Ready for Review-Document Uploaded. - Seller-06/19/2026 Ready for Review-To clarify, the credit report fee was initially disclosed based on an estimate using the best information reasonably available at the time, including standard industry pricing. After receiving the actual credit report invoice from the broker, it was determined that the vendor's charge exceeded the amount originally estimated and disclosed. Accordingly, the fee was updated to reflect the actual cost incurred for the credit report. - Seller-06/17/2026 Ready for Review-Document Uploaded. - Seller-06/15/2026 Ready for Review-Document Uploaded. CD COC - Seller-06/10/2026 |
Resolved-***Received cure package - Due Diligence Vendor-06/23/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.42 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 2179048 | D | B | A | A | C | B | D | A | Closed | FPRO1244 | 2026-06-09 15:08 | 2026-06-11 14:31 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-xxx and xxx provided - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. - Seller-06/10/2026 Open- - xxx/xxx with score of 2.5 or less. - Due Diligence Vendor-06/09/2026 |
Ready for Review-Document Uploaded. - Seller-06/10/2026 |
Resolved-xxx and xxx provided - Due Diligence Vendor-06/11/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.42 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 2184707 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 2179047 | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2026-06-11 06:21 | 2026-06-18 09:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. - Seller-06/16/2026 Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-06/11/2026 |
Ready for Review-Document Uploaded. - Seller-06/16/2026 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-06/18/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.36% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 2184450 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 2185091 | C | A | A | A | C | A | A | A | Closed | finding-3625 | 2026-06-25 13:21 | 2026-06-30 10:58 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-**Received explanation and supporting documentation - Due Diligence Vendor-06/30/2026 Resolved- - Due Diligence Vendor-06/30/2026 Ready for Review-Document Uploaded. - Seller-06/26/2026 Counter-Document Uploaded. - Due Diligence Vendor-06/25/2026 Counter-**Received missing disclosures. Updated compliance testing resulting in additional finding. Section B has the Administrative fee and the Investor Delivery Fee paid to the lender. Fees paid to the lender do not typically belong in section B. Lender to confirm fee was a pass-through fee paid to the lender for the benefit of a third party and provide supporting documentation or a corrected PCCD with the fee in the correct section. - Due Diligence Vendor-06/25/2026 Counter-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. **Received missing disclosures. Updated compliance testing resulting in additional finding. Section B has the Administrative fee and the Investor Delivery Fee paid to the lender. Fees paid to the lender do not typically belong in section B. Lender to confirm fee was a pass-through fee paid to the lender for the benefit of a third party and provide supporting documentation or a corrected PCCD with the fee in the correct section. - Due Diligence Vendor-06/25/2026 Open- - Due Diligence Vendor-06/25/2026 |
Ready for Review-Document Uploaded. - Seller-06/26/2026 |
Resolved-**Received explanation and supporting documentation - Due Diligence Vendor-06/30/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.83 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.45 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.46 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 2185091 | C | A | A | A | C | A | A | A | Closed | FCOM4227 | 2026-06-19 01:47 | 2026-06-25 13:27 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Received missing disclosures - Due Diligence Vendor-06/25/2026 Ready for Review-Document Uploaded. - Buyer-06/23/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-06/19/2026 |
Resolved-Received missing disclosures - Due Diligence Vendor-06/25/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.83 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.45 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.46 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 2185091 | C | A | A | A | C | A | A | A | Closed | FCOM4656 | 2026-06-19 01:48 | 2026-06-25 13:27 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application. | Resolved-Received missing disclosures - Due Diligence Vendor-06/25/2026 Ready for Review-Document Uploaded. - Seller-06/23/2026 Open-"******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-06/19/2026 |
Ready for Review-Document Uploaded. - Seller-06/23/2026 |
Resolved-Received missing disclosures - Due Diligence Vendor-06/25/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.83 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.45 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.46 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 2185091 | C | A | A | A | C | A | A | A | Closed | finding-3532 | 2026-06-22 13:24 | 2026-06-25 13:16 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received missing disclosures - Due Diligence Vendor-06/25/2026 Resolved- - Due Diligence Vendor-06/25/2026 Open- - Due Diligence Vendor-06/25/2026 Ready for Review-Document Uploaded. - Seller-06/23/2026 Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"xxx" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except xxx and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except xxx and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except xxx and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. **** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-06/22/2026 Open- - Due Diligence Vendor-06/22/2026 Open- - Due Diligence Vendor-06/22/2026 |
Ready for Review-Document Uploaded. - Seller-06/23/2026 |
Resolved-Received missing disclosures - Due Diligence Vendor-06/25/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.83 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.45 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.46 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 2185091 | C | A | A | A | C | A | A | A | Closed | finding-3939 | 2026-06-22 13:24 | 2026-06-25 13:10 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Received missing disclosures - Due Diligence Vendor-06/25/2026 Ready for Review-Document Uploaded. - Buyer-06/23/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. Locked TRID disclosure is missing. - Due Diligence Vendor-06/22/2026 Open- - Due Diligence Vendor-06/22/2026 Open- - Due Diligence Vendor-06/22/2026 |
Resolved-Received missing disclosures - Due Diligence Vendor-06/25/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.83 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.45 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.46 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 2185091 | C | A | A | A | C | A | A | A | Closed | FCOM1797 | 2026-06-19 01:46 | 2026-06-25 11:58 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-***Received - Due Diligence Vendor-06/25/2026 Ready for Review-Document Uploaded. - Buyer-06/23/2026 Open-Service Provider List is Missing - Due Diligence Vendor-06/19/2026 |
Resolved-***Received - Due Diligence Vendor-06/25/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.83 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.45 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.46 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 2185091 | C | A | A | A | C | A | A | A | Closed | FCOM1266 | 2026-06-19 01:42 | 2026-06-25 11:44 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable **Received - Due Diligence Vendor-06/25/2026 Ready for Review-Document Uploaded. uploaded - Buyer-06/23/2026 Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-06/19/2026 |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable **Received - Due Diligence Vendor-06/25/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.83 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.45 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.46 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 2182211 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 2179046 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 2184708 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 2182210 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 2182208 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 2182209 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 2183813 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 2188694 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 2183812 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 2183814 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 2183815 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 2183816 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 2185092 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 2183817 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 2185094 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 2185093 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 2188695 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |