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 |
| 2167238 | C | A | A | A | C | A | A | A | Closed | XXXX | 2026-05-14 07:35 | 2026-05-20 11:44 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-***Received COC - Due Diligence Vendor-05/20/2026 Resolved- - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. COC - Seller-05/20/2026 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-05/14/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 |
Ready for Review-Document Uploaded. COC - Seller-05/20/2026 |
Resolved-***Received COC - Due Diligence Vendor-05/20/2026 |
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 - 20.92 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 - 23.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 2167238 | C | A | A | A | C | A | A | A | Closed | XXXX | 2026-05-14 07:35 | 2026-05-20 11:44 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-***Received COC - Due Diligence Vendor-05/20/2026 Resolved- - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. - Seller-05/20/2026 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-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 |
Ready for Review-Document Uploaded. - Seller-05/20/2026 |
Resolved-***Received COC - Due Diligence Vendor-05/20/2026 |
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 - 20.92 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 - 23.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 2167238 | C | A | A | A | C | A | A | A | Closed | XXXX | 2026-05-14 07:35 | 2026-05-20 11:44 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-***Received COC - Due Diligence Vendor-05/20/2026 Resolved- - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. - Seller-05/20/2026 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-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 |
Ready for Review-Document Uploaded. - Seller-05/20/2026 |
Resolved-***Received COC - Due Diligence Vendor-05/20/2026 |
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 - 20.92 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 - 23.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 2193298 | C | B | B | B | A | A | C | B | Closed | XXXX | 2026-06-12 04:01 | 2026-06-29 13:20 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-06/29/2026 Resolved-Updated appraisal provided with as-is value. Property is fine within zoning. - Due Diligence Vendor-06/29/2026 Ready for Review-Document Uploaded. The revised appraisal report indicates that the property is in as-is condition and confirms that it is a multifamily property that is legally permissible under the current zoning. I attached the email communication and the revised appraisal - Seller-06/29/2026 Counter-Document Uploaded. Per appraisal: Subject too - Subject to verification by the local code enforcement authority that the additional unit is legal and/or properly permitted, as the assessor’s records currently reflect only two units - Due Diligence Vendor-06/26/2026 Ready for Review-The appraisal states as is. We do not have any work to be completed please provide more information. - Seller-06/25/2026 Counter-Page xxx of PDF(page xxx OCR) package says subject to local code enforcement providing information. No 1004D found. Please provide 1004D saying completed. - Due Diligence Vendor-06/24/2026 Ready for Review-Page xxx This appraisal is made "as is, - Seller-06/23/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present - Due Diligence Vendor-06/12/2026 |
Ready for Review-Document Uploaded. The revised appraisal report indicates that the property is in as-is condition and confirms that it is a multifamily property that is legally permissible under the current zoning. I attached the email communication and the revised appraisal - Seller-06/29/2026 Ready for Review-The appraisal states as is. We do not have any work to be completed please provide more information. - Seller-06/25/2026 Ready for Review-Page 3 This appraisal is made "as is, - Seller-06/23/2026 |
Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-06/29/2026 Resolved-Updated appraisal provided with as-is value. Property is fine within zoning. - Due Diligence Vendor-06/29/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 143.96 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 2193298 | C | B | B | B | A | A | C | B | Closed | XXXX | 2026-06-12 05:16 | 2026-06-16 10:11 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Property Characteristics Do Not Meet Guideline Requirements | Waived-2 OUT OF 3 UNITS HAVE A GLA OF LESS THAN xxx. (xxx) - Due Diligence Vendor-06/16/2026 Open-2 OUT OF 3 UNITS HAVE A GLA OF LESS THAN xxx. (xxx) - Due Diligence Vendor-06/16/2026 |
Waived-2 OUT OF 3 UNITS HAVE A GLA OF LESS THAN xxx. (xxx) - Due Diligence Vendor-06/16/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 143.96 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
Comp Factors: 1. DSCR 1.38 2. FICO IS xxx 3. POST CLOSING RESERVE IS 143.93 MONTHS, PROGRAM, REQUIRES 2 MONTHS. |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx | ||||
| 2193298 | C | B | B | B | A | A | C | B | Closed | XXXX | 2026-06-12 05:18 | 2026-06-16 10:10 | Waived | 2 - Non-Material | B | B | Property | Property Issue | Property Condition Rating Does Not Meet Program Requirements | Waived-EXCEPTION FOR CONDITION RATING OF C4. PER xxx GUIDELINES, NOT ELIGIBLE FOR FINANCING - Due Diligence Vendor-06/16/2026 Open-EXCEPTION FOR CONDITION RATING OF C4. PER xxx GUIDELINES, NOT ELIGIBLE FOR FINANCING - Due Diligence Vendor-06/16/2026 |
Waived-EXCEPTION FOR CONDITION RATING OF C4. PER xxx GUIDELINES, NOT ELIGIBLE FOR FINANCING - Due Diligence Vendor-06/16/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 143.96 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
Comp Factors: 1. DSCR 1.38 2. FICO IS xxx 3. POST CLOSING RESERVE IS 143.93 MONTHS, PROGRAM, REQUIRES 2 MONTHS |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx | ||||
| 2179049 | A | A | A | A | A | A | A | A | XXXX | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 2194159 | C | A | A | A | A | A | C | A | Closed | XXXX | 2026-06-25 10:48 | 2026-07-16 07:49 | 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-07/16/2026 Ready for Review-Document Uploaded. - Seller-07/14/2026 Counter-You could get a lender exception for the smoke detectors, though it is a safety issue or update from appraiser. - Due Diligence Vendor-07/02/2026 Ready for Review-Will xxx accept a LOE cert from the xxx to certify that these have been installed? Thanks! - Seller-07/01/2026 Counter-Any additional 1004D information apart from just pictures of smoke detectors would be appreciated. - Due Diligence Vendor-07/01/2026 Ready for Review-Document Uploaded. - Seller-06/30/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present - Due Diligence Vendor-06/25/2026 |
Ready for Review-Document Uploaded. - Seller-07/14/2026 Ready for Review-Will you/XXXX accept a LOE cert from the xxx to certify that these have been installed? Thanks! - Seller-07/01/2026 Ready for Review-Document Uploaded. - Seller-06/30/2026 |
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-07/16/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.67 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.15% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.16 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 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 - 36.64 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 - 36.63 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 | |||
| 2187022 | A | A | A | A | A | A | A | A | XXXX | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 2187026 | A | A | A | A | A | A | A | A | XXXX | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 2187021 | A | A | A | A | A | A | A | A | XXXX | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | |||||||||||||||||||
| 2187023 | C | A | A | A | A | A | C | A | Closed | XXXX | 2026-07-07 06:28 | 2026-07-16 13:19 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Appraisal updated to no conditions, as Is and photos provided showing double strapped. - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. Please see the attached updated Appraisal. No corrections needed. - Seller-07/15/2026 Counter-Document Uploaded. The Original Appraisal states: confirm electrical connection is code for water heater. The double strapped water heater still reflects the electrical connection has not been fixed. - Due Diligence Vendor-07/15/2026 Ready for Review-Document Uploaded. Updated Appraisal Report - Seller-07/13/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present - Due Diligence Vendor-07/07/2026 |
Ready for Review-Document Uploaded. Please see the attached updated Appraisal. No corrections needed. - Seller-07/15/2026 Ready for Review-Document Uploaded. Updated Appraisal Report - Seller-07/13/2026 |
Resolved-Appraisal updated to no conditions, as Is and photos provided showing double strapped. - Due Diligence Vendor-07/16/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 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 - 9.40 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.92 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
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 | |||
| 2195971 | D | A | D | A | A | A | A | A | Closed | XXXX | 2026-07-13 04:51 | 2026-07-16 15:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. - Buyer-07/15/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-07/13/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/16/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.12 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 2187024 | A | A | A | A | A | A | A | A | XXXX | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 2187025 | A | A | A | A | A | A | A | A | XXXX | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 2194055 | A | A | A | A | A | A | A | A | XXXX | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 2194053 | A | A | A | A | A | A | A | A | XXXX | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 2198249 | D | A | A | A | D | A | A | A | Closed | XXXX | 2026-07-16 10:34 | 2026-07-28 18:20 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Incomplete | Resolved-LOI is present. - Due Diligence Vendor-07/28/2026 Ready for Review-Document Uploaded. - Buyer-07/28/2026 Counter-Missing page 1 re-record declaration or cover sheet stating the reason for the re-record and Email or other documentation from xxx confirming they will re-execute/re-record. - Due Diligence Vendor-07/27/2026 Ready for Review-Document Uploaded. - Buyer-07/24/2026 Open-Property Address reflected on DOT & All Riders are missing the word "xxx" per documentation in the loan file (tax cert & Title) - Due Diligence Vendor-07/16/2026 |
Resolved-LOI is present. - Due Diligence Vendor-07/28/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 25.53% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.1 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 2198249 | D | A | A | A | D | A | A | A | Closed | XXXX | 2026-07-16 10:33 | 2026-07-24 08:31 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. - Buyer-07/23/2026 Open-The Note is Incomplete Property Address reflected on Note is missing the word "xxx" per documentation in the loan file (tax cert & Title) - Due Diligence Vendor-07/16/2026 |
Resolved-The Note is Present - Due Diligence Vendor-07/24/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 25.53% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.1 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 2189614 | A | A | A | A | A | A | A | A | XXXX | 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 | |||||||||||||||||||
| 2194054 | A | A | A | A | A | A | A | A | XXXX | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 2189613 | A | A | A | A | A | A | A | A | XXXX | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 2194162 | B | B | B | B | A | A | A | A | Closed | XXXX | 2026-07-21 06:45 | 2026-07-22 11:36 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx Loan amount under $xxx - Due Diligence Vendor-07/21/2026 | Waived-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx Loan amount under $xxx - Due Diligence Vendor-07/21/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 104.34 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.42 Years |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty Borrower At Current Residence For Five Months Reserves Are Greater Than The Guideline Minimum By Six |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx | ||||
| 2194160 | D | A | D | A | A | A | A | A | Closed | XXXX | 2026-07-22 03:47 | 2026-07-28 09:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-07/28/2026 Ready for Review-Document Uploaded. - Seller-07/27/2026 Open-Third Party Fraud Report Partially Provided - Due Diligence Vendor-07/22/2026 |
Ready for Review-Document Uploaded. - Seller-07/27/2026 |
Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-07/28/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 89.82 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 2194163 | A | A | A | A | A | A | A | A | XXXX | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 2196011 | A | A | A | A | A | A | A | A | XXXX | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | |||||||||||||||||||
| 2196812 | D | A | D | A | A | A | A | A | Closed | XXXX | 2026-07-28 08:50 | 2026-08-04 15:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 xxx Letter Resolved - Due Diligence Vendor-08/04/2026 Ready for Review-Document Uploaded. See the corrected Income worksheet, xxx letter showing 40% and the new 1008 with the adjusted income. - Seller-08/03/2026 Counter-The xxx letter does not address what the Expense Factor is. - Due Diligence Vendor-07/31/2026 Ready for Review-Document Uploaded. - Seller-07/30/2026 Open-Borrower 1 xxx Letter Missing However, the xxx Letter does not provide any information regarding the Expense Ratio. The lender indicated that, according to the xxx, the Expense Ratio was considered to be 40%. Please review and provide supporting documentation or clarification for the Expense Ratio determination. - Due Diligence Vendor-07/28/2026 |
Ready for Review-Document Uploaded. See the corrected Income worksheet, xxx letter showing 40% and the new 1008 with the adjusted income. - Seller-08/03/2026 Ready for Review-Document Uploaded. - Seller-07/30/2026 |
Resolved-Borrower 1 xxx Letter Resolved - Due Diligence Vendor-08/04/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points 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 - 5.85 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.87 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.51% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | |||
| 2194164 | A | A | A | A | A | A | A | A | XXXX | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 2196813 | C | A | C | A | A | A | A | A | Closed | XXXX | 2026-07-29 08:50 | 2026-08-05 12:24 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Updated balance - Due Diligence Vendor-08/05/2026 Ready for Review-Document Uploaded. attached corrected 1008 showing the assets $xxx - Seller-08/04/2026 Counter-CTC xxx - verified Assets total $xxx vs Lenders 1008 xxx - Reserves are short by -$xxx. - Due Diligence Vendor-08/04/2026 Ready for Review-Document Uploaded. See the attached B of A Stmt showing $xxx balance. xxx Open-Required reserves $xxx- insufficient assets to cover reserves - Due Diligence Vendor-07/31/2026 Open-Audited Reserves of are less than Guideline Required Reserves of 6 - Due Diligence Vendor-07/29/2026 |
Ready for Review-Document Uploaded. attached corrected 1008 showing the assets $ xxx - Seller-08/04/2026 Ready for Review-Document Uploaded. See the attached B of A Stmt showing xxx balance. xxx - Seller-08/03/2026 |
Resolved-Updated balance - Due Diligence Vendor-08/05/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.25 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points 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 - 21.00 Years 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 | Purchase | NA | N/A | N/A | xxx | |||
| 2196813 | C | A | C | A | A | A | A | A | Closed | XXXX | 2026-07-29 11:20 | 2026-08-05 12:24 | 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-08/04/2026 Ready for Review-Document Uploaded. See the attached B of A Stmt showing $xxx balance. xxx Open-Total Liquid Assets Available for Close of $xxx is less than Total Cash to Close $xxx. Total Liquid Assets Available for Close of $xxx is less than Total Cash to Close $xxx. - Due Diligence Vendor-07/29/2026 |
Ready for Review-Document Uploaded. See the attached B of A Stmt showing $xxx balance. xxx - Seller-08/03/2026 |
Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-08/04/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.25 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points 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 - 21.00 Years 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 | Purchase | NA | N/A | N/A | xxx | |||
| 2196813 | C | A | C | A | A | A | A | A | Closed | XXXX | 2026-07-29 08:16 | 2026-08-04 11:28 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-08/04/2026 Ready for Review-Document Uploaded. - Seller-08/03/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of $xxx is less than the minimum required coverage amount of $xxx - Due Diligence Vendor-07/29/2026 |
Ready for Review-Document Uploaded. - Seller-08/03/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-08/04/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.25 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points 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 - 21.00 Years 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 | Purchase | NA | N/A | N/A | xxx | |||
| 2198250 | C | B | C | B | A | A | A | A | Closed | XXXX | 2026-07-29 07:29 | 2026-07-31 12:41 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Lender exception for loan amount < $xxx - Due Diligence Vendor-07/31/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-07/31/2026 Counter-Document Uploaded. xxx states Min Loan amount is $xxx - Due Diligence Vendor-07/30/2026 Ready for Review-Document Uploaded. - Buyer-07/30/2026 Open-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx - Due Diligence Vendor-07/29/2026 |
Waived-Lender exception for loan amount < $xxx - Due Diligence Vendor-07/31/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.03% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.42 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 0.0 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.75 Years |
More than 6 months reserves FICO xxx No lates on credit report Lot DTI |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxx | |||
| 2198254 | A | A | A | A | A | A | A | A | XXXX | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 2198253 | C | A | A | A | A | A | C | A | Closed | XXXX | 2026-07-29 14:59 | 2026-08-05 10:06 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | Valuation review product does not support the original appraisal within -10.0% | Resolved-CDA within 5.86% of value used to determine LTV which is lower than initial appraisal value. - Due Diligence Vendor-08/05/2026 Ready for Review-We had a recert of value added to the file due to providing the appraiser better comps. The CDA was before the recert of value. The recert of value came in higher than the value we are actually using. The value we are using is xxx due to the borrower having this listed for sale within the last 6 months for this price. - Buyer-08/04/2026 Open-The desk review provided does not support the original appraised value and is greater than the -10.0% tolerance (-10.11%). Provide a valuation review product that supports the primary appraised value. - Due Diligence Vendor-07/29/2026 |
Resolved-CDA within 5.86% of value used to determine LTV which is lower than initial appraisal value. - Due Diligence Vendor-08/05/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.12% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.93 Are Greater Than The Guideline Minimum Of 3 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 0.17 |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||||
| 2194161 | A | A | A | A | A | A | A | A | XXXX | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | |||||||||||||||||||
| 2196820 | D | A | D | A | C | A | A | A | Closed | XXXX | 2026-08-04 13:11 | 2026-08-06 10:40 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 90% is less than or equal to Guideline LTV of 90% - Due Diligence Vendor-08/06/2026 Ready for Review-Document Uploaded. See attached Matrix showing we can go to 90% LTV. - Seller-08/05/2026 Open-Audited LTV of 90% exceeds Guideline LTV of 80% - Due Diligence Vendor-08/04/2026 |
Ready for Review-Document Uploaded. See attached Matrix showing we can go to 90% LTV. - Seller-08/05/2026 |
Resolved-Audited LTV of 90% is less than or equal to Guideline LTV of 90% - Due Diligence Vendor-08/06/2026 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 2196820 | D | A | D | A | C | A | A | A | Closed | XXXX | 2026-07-30 18:47 | 2026-08-05 13:30 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Complete FCD received, thank you - Due Diligence Vendor-08/05/2026 Ready for Review-Document Uploaded. - Seller-08/04/2026 Open-****** Final Closing Disclosure, Page 4, Loan Disclosures LOAN DISCLOSURES section, is incomplete. - Due Diligence Vendor-07/30/2026 |
Ready for Review-Document Uploaded. - Seller-08/04/2026 |
Resolved-Complete FCD received, thank you - Due Diligence Vendor-08/05/2026 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||||
| 2196815 | A | A | A | A | A | A | A | A | XXXX | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 2196814 | D | A | D | A | A | A | A | A | Closed | XXXX | 2026-08-03 02:36 | 2026-08-05 13:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-08/05/2026 Resolved- - Due Diligence Vendor-08/05/2026 Ready for Review-Document Uploaded. - Seller-08/04/2026 Open-Third Party Fraud Report Partially Provided The Third-Party Fraud Report was only partially provided. Please provide the complete report. - Due Diligence Vendor-08/03/2026 |
Ready for Review-Document Uploaded. - Seller-08/04/2026 |
Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-08/05/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - VALIDATED Months Reserves Of 108.56 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 2196821 | 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 | ||||||||||||||||||||
| 2198247 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 2198252 | 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 | ||||||||||||||||||||
| 2196817 | 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 | ||||||||||||||||||||
| 2196818 | 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 | ||||||||||||||||||||
| 2196816 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 2198251 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 2198248 | 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 |