| 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 |
| 987471 | C | A | C | A | A | A | A | A | Closed | FCRE7000 | 2026-03-18 10:10 | 2026-03-27 12:30 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-03/27/2026 Open-Total Liquid Assets Available for Close of $xxx is less than Total Cash to Close $xxx. - Due Diligence Vendor-03/18/2026 |
Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-03/27/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.08 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 0.19 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.82% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 2.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
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 | |||||
| 467944 | 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 | ||||||||||||||||||||
| 564084 | C | B | A | A | C | B | A | A | Closed | finding-3634 | 2026-03-18 18:37 | 2026-03-25 16:07 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-**Received cure package. - Due Diligence Vendor-03/25/2026 Resolved-**Received cure package. - Due Diligence Vendor-03/25/2026 Resolved- - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. - Seller-03/20/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ***A revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. Subject to Appraisal charge amount was known on _Appraiser date of xxx_ but not disclosed to the borrower until xxx, 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-03/18/2026 Open- - Due Diligence Vendor-03/18/2026 |
Ready for Review-Document Uploaded. - Seller-03/20/2026 |
Cured-**Received cure package. - Due Diligence Vendor-03/25/2026 Resolved-**Received cure package. - Due Diligence Vendor-03/25/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.91 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 564084 | C | B | A | A | C | B | A | A | Closed | finding-3631 | 2026-03-18 18:37 | 2026-03-25 16:06 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Cured-**Received cure package. - Due Diligence Vendor-03/25/2026 Resolved-**Received cure package. - Due Diligence Vendor-03/25/2026 Resolved- - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. - Seller-03/20/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. ***A revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. Subject to Appraisal charge amount was known on _Appraiser date of xxx_ but not disclosed to the borrower until xxx, 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-03/18/2026 Open- - Due Diligence Vendor-03/18/2026 |
Ready for Review-Document Uploaded. - Seller-03/20/2026 |
Cured-**Received cure package. - Due Diligence Vendor-03/25/2026 Resolved-**Received cure package. - Due Diligence Vendor-03/25/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.91 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 564084 | C | B | A | A | C | B | A | A | Closed | finding-3632 | 2026-03-18 18:37 | 2026-03-25 16:06 | 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-03/25/2026 Resolved- - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. - Seller-03/20/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. ***A revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. Subject to Appraisal charge amount was known on _Appraiser date of xxx_ but not disclosed to the borrower until xxx, 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-03/18/2026 Open- - Due Diligence Vendor-03/18/2026 |
Ready for Review-Document Uploaded. - Seller-03/20/2026 |
Resolved-**Received cure package. - Due Diligence Vendor-03/25/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.91 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 298864 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 837702 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-03-19 10:45 | 2026-03-25 09:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved- - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. - Seller-03/24/2026 Counter-Missing xxx - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. - Seller-03/20/2026 Open-Missing verification of property tax statement for xxx - Due Diligence Vendor-03/19/2026 |
Ready for Review-Document Uploaded. - Seller-03/24/2026 Ready for Review-Document Uploaded. - Seller-03/20/2026 |
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 - 14.01 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 13.97% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 110.27 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 282757 | C | A | A | A | C | A | A | A | Closed | finding-3634 | 2026-03-25 10:39 | 2026-04-01 08:03 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-**Received COC - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. see COC and highlighted - fee of xxx then decreased to final charge - Seller-03/30/2026 Open- - Due Diligence Vendor-03/25/2026 Open- - Due Diligence Vendor-03/25/2026 Open- - Due Diligence Vendor-03/25/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-03/25/2026 Open- - Due Diligence Vendor-03/25/2026 |
Ready for Review-Document Uploaded. see COC and highlighted - fee of xxx then decreased to final charge - Seller-03/30/2026 |
Resolved-**Received COC - Due Diligence Vendor-04/01/2026 |
Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.01 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.75 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.01 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 282757 | C | A | A | A | C | A | A | A | Closed | finding-3631 | 2026-03-25 10:39 | 2026-04-01 08:03 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-**Received COC - Due Diligence Vendor-04/01/2026 Ready for Review-sorry im confused whats missing to do this >? - Seller-03/31/2026 Open- - Due Diligence Vendor-03/25/2026 Open- - Due Diligence Vendor-03/25/2026 Open- - Due Diligence Vendor-03/25/2026 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-03/25/2026 Open- - Due Diligence Vendor-03/25/2026 |
Ready for Review-sorry im confused whats missing to do this >? - Seller-03/31/2026 |
Resolved-**Received COC - Due Diligence Vendor-04/01/2026 |
Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.01 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.75 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.01 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | ||||
| 282757 | C | A | A | A | C | A | A | A | Closed | finding-3632 | 2026-03-25 10:39 | 2026-04-01 08:03 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-**Received COC - Due Diligence Vendor-04/01/2026 Open- - Due Diligence Vendor-03/25/2026 Open- - Due Diligence Vendor-03/25/2026 Open- - Due Diligence Vendor-03/25/2026 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-03/25/2026 Open- - Due Diligence Vendor-03/25/2026 |
Resolved-**Received COC - Due Diligence Vendor-04/01/2026 |
Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.01 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.75 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.01 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||||
| 463849 | D | A | D | A | A | A | A | A | Closed | FCRE1814 | 2026-03-25 15:22 | 2026-03-31 13:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Entity doc provided. - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. entity docs - Seller-03/30/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN - Due Diligence Vendor-03/25/2026 |
Ready for Review-Document Uploaded. entity docs - Seller-03/30/2026 |
Resolved-Entity doc provided. - Due Diligence Vendor-03/31/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.25 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 220712 | D | A | D | A | A | A | A | A | Closed | FCRE1440 | 2026-03-25 11:14 | 2026-04-07 12:22 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Mortgage statements provided - Due Diligence Vendor-04/07/2026 Ready for Review-Document Uploaded. housing history to tie out to credit report and 1003 address history - also ties out to fraud - Seller-04/06/2026 Counter-The documents provided are for a xxx, however the Bwr's names on the Loan is xxx is the only Bwr on this loan and the Primary Residence per the 1003 is xxx Guidelines state housing history is required to be established for the primary residence. Provide mortgage statement for borrower’s primary residence, to evidence one of the mortgages on the credit report, belongs to the borrower’s primary residence address - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. brwr has a private mtg on home - deed of trust is in xxx name - Seller-03/30/2026 Open-Housing History Does Not Meet Guideline Requirements . Provide mortgage statement for borrower’s primary residence, to evidence one of the mortgages on the credit report, belongs to the borrower’s primary residence address. Guidelines state housing history is required to be established for the primary residence. - Due Diligence Vendor-03/25/2026 |
Ready for Review-Document Uploaded. housing history to tie out to credit report and 1003 address history - also ties out to fraud - Seller-04/06/2026 Ready for Review-Document Uploaded. brwr has a private mtg on home - deed of trust is in xxx name - Seller-03/30/2026 |
Resolved-Mortgage statements provided - Due Diligence Vendor-04/07/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 220712 | D | A | D | A | A | A | A | A | Closed | FCRE1814 | 2026-03-25 07:36 | 2026-03-31 13:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Entity documents provided - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. entity docs - Seller-03/30/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN for xxx as seen on the closing documentation. No Entity documentation was provided at the time of review. - Due Diligence Vendor-03/25/2026 |
Ready for Review-Document Uploaded. entity docs - Seller-03/30/2026 |
Resolved-Entity documents provided - Due Diligence Vendor-03/31/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 537470 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 627836 | D | A | D | A | A | A | A | A | Closed | FCRE1467 | 2026-04-01 02:36 | 2026-04-07 11:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-04/07/2026 Ready for Review-Document Uploaded. - Seller-04/06/2026 Open-Asset 1 Missing:xxx. - Due Diligence Vendor-04/01/2026 |
Ready for Review-Document Uploaded. - Seller-04/06/2026 |
Resolved-Asset 1 Provided - Due Diligence Vendor-04/07/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.93% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.83 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 151.33 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 627836 | D | A | D | A | A | A | A | A | Closed | FCRE5770 | 2026-04-01 02:31 | 2026-04-07 11:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-04/07/2026 Ready for Review-Document Uploaded. - Seller-04/06/2026 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-04/01/2026 |
Ready for Review-Document Uploaded. - Seller-04/06/2026 |
Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-04/07/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.93% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.83 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 151.33 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 882985 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 951968 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 302014 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 963053 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 781357 | C | A | A | A | A | A | C | A | Closed | FPRO1136 | 2026-04-01 06:28 | 2026-04-07 14:44 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-04/07/2026 Ready for Review-Document Uploaded. final inspection - Seller-04/06/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present - Due Diligence Vendor-04/01/2026 |
Ready for Review-Document Uploaded. final inspection - Seller-04/06/2026 |
Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-04/07/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 391.43 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 557207 | D | A | D | A | A | A | A | A | Closed | FCRE1467 | 2026-04-07 14:23 | 2026-04-08 13:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-04/08/2026 Ready for Review-subject transcation cash out is reserves - Seller-04/07/2026 Open-Asset 1 Missing Missing proceeds from Refi $xxx - Due Diligence Vendor-04/07/2026 |
Ready for Review-subject transcation cash out is reserves - Seller-04/07/2026 |
Resolved-Asset 1 Provided - Due Diligence Vendor-04/08/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.46 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.43% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 332222 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |